vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
This account is reported as a repossession, which is inaccurate. This was an unsecured consumer loan through Affirm with no collateral attached. A repossession can not occur on an unsecured loan because there is no asset to repossess. Please correct this reporting to reflect the accurate status or remove the inaccurate remark entirely. The furnisher has verified inaccurate information. Please provide the method of verification and documentation supporting how a repossession occurred on an unsecured loan. If this can not be validated, this item must be corrected or removed under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a {$4000.00} payment to my {$11000.00} Wells Fargo credit card, hoping to help my credit score. This would show this card is no longer at 100 % maxed but roughly 60-70 %. Without warning about my limit changing they lowered it to {$8100.00}. Still reporting to the credit companies Im maxed out. If I would have been warned I may have payed another credit card that wouldnt be lowering my limit, resulting in my credit score increasing. I asked for reconsideration but multiple customer support agents say there is nothing anyone can do. They offered to reverse the payment but would show me being over my limit by {$4000.00}. I do not believe they should get to decide when and how much they can limit the credit card limit after years of payments with any being missed. I understand the risk they have to take with someones credit like my own ( XXXX ) but that is why my interest is so high on my credit card which I did agree too. All I ask is for my limit to be brought back to what it was so I can improve my credit score. Again I have not missed a payment since XXXX when I received my card. That is around 180 payments that I have never missed.

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App or Block , Inc I am submitting this formal complaint against Cash App regarding the closure of my account and the ongoing lack of a clear and specific explanation since approximately XXXX Despite multiple attempts to resolve this matter through customer support and appeals, I have only received generic responses stating that my account allegedly violated the Terms of Service, without any detailed explanation or supporting information. I would also like to clarify an important point regarding my case. My account issue originally began in XXXX using my primary email address and phone number, which I have consistently used. Later, I attempted to create or access an account using a different email, but the same decision and restriction applied again. This leads me to believe that the issue is not related to my email address or phone number, but potentially tied directly to my identity or name. If this is the case, I request clear and transparent confirmation of this, as it directly affects my ability to understand and resolve the situation. This matter has remained unresolved for several years, which is extremely concerning. I have not been given any meaningful opportunity to correct any issue, nor have I been provided with sufficient information to understand the basis of the decision. I am formally requesting the following : A detailed and specific explanation of the alleged violation or reason for account closure Confirmation of whether the restriction is linked to my identity/name, email, or phone number A full manual review of my case by a qualified representative An explanation for the lack of resolution since XXXX If this matter is not addressed properly, I am prepared to escalate this complaint further to protect my rights as a consumer. Thank you for your time and attention. I look forward to a prompt and clear response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
On XX/XX/XXXX, I opened and subsequently funded a Marcus Online Savings Account ( OSA ) in response to the offer of a cash bonus in addition to a referral APR bonus. Goldman Sachs ( Goldman ) was less than forthcoming in its XXXX response to the CFPB, stating that I did not enroll the XXXX in the promotion during the offer period. See CFPB Case # XXXX ) In response to Goldmans bait-and-switch tactic, I decided to withdraw all my funds from Marcus and initiated the transfer of {$100000.00} to my new account with XXXX XXXX which offers a higher APR, on or around XX/XX/year>. On or around XX/XX/year>, I called back after a representative from Marcus ( Phone number XXXX ) left me a voicemail. Around the same time, I noticed that I got locked out of my Marcus XXXX. I was advised that someone would reach out to me within one ( 1 ) business day with the next step. Today, on XX/XX/XXXX, XXXXee ( 3 ) business days laterI was, once again, advised that someone would reach out to me with the resolution in one ( 1 ) business day. Today, I also learned that I got locked out of XXXX XXXX I was advised by XXXX that I allegedly disputed a debit with Marcus for {$100000.00}, which I did not. Please explain as to why my funds are on hold for more than a week. Please explain how I allegedly " disputed a debit with Marcus for {$100000.00}, '' when in fact, I initiated a transfer of the entire balance out of Marcus with the intention to close my account with Marcus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX is attempting to collect a debt of XXXX on behalf of American Express. I mailed a formal debt validation letter via certified mail with return receipt on XX/XX/year> demanding complete validation including the original signed agreement, complete account history, proof of authorization to collect, and chain of ownership documentation. As a debt collector XXXX must comply with all FDCPA provisions including 15 USC 1692g which requires them to provide complete debt validation upon request. XXXX has not provided any validation documentation. This account originated in New York and NY GBL 601 consumer protections apply. I demand complete debt validation or immediate cessation of all collection activity and removal from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I returned the vehicle back to the dealership due to a lot of maintenance issues with vehicle. I had to put more money in to repairs then the vehicles were actually worth. I volunteered to return the vehicle to the dealer why should I continue to be charged for something returned damaged vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am filing this complaint due to ongoing inaccurate and unverified reporting of a repossession account by Credit Acceptance Corporation. This account is being reported with a balance of approximately $ XXXX following a vehicle repossession. I have disputed this account multiple times with the credit bureaus as well as directly with the company, requesting proper validation of the balance and reporting. Despite these efforts, the account continues to be marked as verified without any supporting documentation being provided. Specifically, I have not been provided with any documentation showing how the remaining balance was calculated after the repossession. This includes, but is not limited to, no proof of sale of the vehicle, no auction or resale documentation, no breakdown of proceeds applied to the account, and no explanation of how the deficiency balance was determined. In addition, the account is reporting inconsistently across the credit bureaus, including conflicting account statuses, payment history, and activity dates. This raises serious concerns regarding the accuracy and reliability of the information being furnished. More recently, there was an attempt to serve legal papers related to this alleged debt. The documents contained incorrect address information, which indicates that the company XXXX be attempting to pursue legal action while still failing to properly verify and accurately report the account. I have made multiple good faith efforts to resolve this issue by requesting validation and disputing the inaccuracies, but the company continues to report the account without providing the required documentation to support it. This situation has caused ongoing harm to my credit profile and is preventing me from moving forward with major financial decisions. I am requesting that the company either provide full and complete documentation validating the account and balance or remove the account from my credit reports due to failure to verify and inaccurate reporting.

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 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Was looking at my bank account on XX/XX/XXXX when I noticed a Credit Report, which shouldn't be there since I have no credit or loans open, Upon investigation I find a capital one card in my name which I know I didn't open but it has been issued and was apparently opened on the XXXX of XXXX of XXXX. The card has {$610.00} in credit taken out with a limit of {$1000.00}. I called Capital One and talked to customer support. After giving them my information they said they couldn't find a card belonging to my Social Security number. They said there was no card nor request made for a card in my name and nothing could be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I initiated a balance transfer on my Barclays credit card account in order to reduce interest on my existing balance. At the time, I had XXXX promotional balances : an existing balance that was nearing the end of its promotional period, and a new balance transfer. When I made a payment, it was applied to the balance transfer rather than to the existing balance that was about to begin accruing interest. As a result, the existing balance was left unpaid and began accruing interest at approximately 22 %, resulting in about {$61.00} in interest charges. This caused avoidable interest and defeats the purpose of initiating the balance transfer. This outcome was not clearly disclosed at the time of the transaction. I also received inconsistent and inaccurate explanations from customer service, including being told the interest was due to my card being expired, which is not relevant to how interest is calculated. I am requesting a reversal of the interest charges and a clear explanation of how my payment was applied across balances.

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 2026-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and unfair credit reporting on my student loan account serviced by Aidvantage. A late payment was reported on my account ; however, this delinquency was not intentional. At the time, I believed my account was enrolled in automatic payments and had no reason to believe a payment had been missed. I was later informed that phone calls had been attempted regarding the account. After learning this, I proactively contacted Aidvantage to obtain details about those outreach attempts, including the timing, content, and any missed payment notifications. However, I was not provided with clear or sufficient information explaining these communications or what actions I could have taken to prevent the delinquency. Additionally, I did not receive clear, actionable notice that autopay was not active or that a payment had failed. As soon as I became aware of the issue, I immediately paid the overdue balance and brought the account current. I made a good-faith effort to resolve this directly with Aidvantage and requested a review of the reporting, but my request was denied without a meaningful investigation into the circumstances. Given the lack of clear communication, the confusion surrounding autopay, and my immediate effort to correct the issue, I believe the reporting of this late payment does not accurately reflect my payment behavior. I am requesting that Aidvantage conduct a full review of this matter and correct the credit reporting with all credit bureaus accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX charged {$420.00} to my Visa card ( account XXXX ) as an unauthorized auto-renewal. I had cancelled all XXXX services prior to this charge. I disputed the charge with Bank of America ( Claim XXXX ) and contacted XXXX directly. XXXX acknowledged the charge was improper and issued a full refund of {$420.00} on XX/XX/XXXX ( Receipt # XXXX ). Despite the merchant 's refund, Bank of America reversed my dispute on XX/XX/XXXX and returned {$420.00} to XXXX effectively taking money that had already been refunded to me. I am now {$420.00} out of pocket with no valid basis. Bank of America 's stated reasons for denying my claim are factually incorrect : ( 1 ) The transaction was processed with billing ZIP XXXX my former address. My address on file with Bank of America since XX/XX/XXXX is ZIP XXXX. This mismatch is a standard fraud signal that Bank of America failed to flag. ( XXXX ) The chargeback evidence submitted by XXXX included a checkout screenshot from an internal XXXX test account ( " XXXX XXXX XXXX '', email XXXX ) not my account, not my transaction. Bank of America accepted this fabricated evidence without verification. ( 3 ) Bank of America cited past payment history as authorization for a cancelled subscription. I cancelled all services. Past payments do not authorize future charges. ( 4 ) Bank of America returned {$420.00} to a merchant who had already refunded that same amount resulting in double collection by the merchant at my expense. I have submitted a formal written appeal by USPS Certified Mail to Bank of America Claims Resolution ( XXXX XXXX XXXX, XXXX TX XXXX ) on XX/XX/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 monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gatestone & Co. International Inc.
State: FL

Complaint narrative:
Gatestone and Co International is attempting to collect a debt of XXXX on behalf of XXXX XXXX. I mailed a formal debt validation letter via certified mail with return receipt on XX/XX/year> demanding complete validation including the original signed agreement, complete account history, proof of authorization to collect, and chain of ownership documentation. As a debt collector Gatestone must comply with all FDCPA provisions including 15 USC 1692g which requires them to provide complete debt validation upon request. Gatestone has not provided any validation documentation. This account originated in New York and NY GBL 601 consumer protections apply. I demand complete debt validation or immediate cessation of all collection activity and removal from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am a victim of identity theft and have repeatedly notified Experian that a XXXXXXXX XXXX account on my credit report is fraudulent. I provided an FTC Identity Theft Report, police report, and supporting documentation. Despite this, Experian has failed to apply the required identity theft block under FCRA 605B and has instead allowed this account to be reinserted multiple times. As of XX/XX/XXXX, this is approximately the XXXX reinsertion. Experian is reporting that the account was opened on XX/XX/XXXX, yet its own reporting shows payment history ( OK status ) before that date, which is impossible and demonstrates inaccurate and unreliable data. Additionally, I obtained confirmation from XXXX XXXX that the only account associated with me was a checking account opened in XX/XX/XXXX and closed on XX/XX/XXXX, with no other accounts found. This directly contradicts the alleged timeline and legitimacy of the XXXXXXXX XXXX account. The application tied to this account contains clear fraud indicators, including incomplete information, incorrect name variations, missing employer details, and no valid e-signature consent. Experian has failed to explain how it verified this account despite these defects. Experian has also failed to provide any documentation showing how it validated the XXXX address allegedly associated with the application, which does not match my location or device history. Instead of conducting a reasonable investigation, Experian continues to rely solely on XXXX XXXX statements, without providing reinsertion certification or supporting documentation as required under FCRA 611 ( a ) ( 5 ) ( B ). This has caused ongoing harm to my credit profile and financial opportunities.

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 2026-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLIANT CREDIT UNION
State: SC

Complaint narrative:
To Whom It May Concern, I am an XXXXXXXX XXXX XXXX XXXX XXXXXXXX. In XX/XX/XXXX, I purchased a home in California and was required to assume the seller 's solar loan. The loan was transferred to me at that time. In XX/XX/XXXX, I received XXXX XXXX from the XXXX XXXX XXXXXXXX to relocate from California to South Carolina. Due to this mandatory relocation, I am selling my primary residence. I have received an offer from a buyer who intends to assume the existing solar loan. However, the lender has refused to process the transfer, stating they no longer allow loan transfers and require the loan to be paid off in full. I respectfully request that the CFPB intervene to ensure the lender follows reasonable assistance guidelines for service members. My realtor and I have already attempted to resolve this directly with the lenders customer service and were told I did not have an account with them and to resolve the issue with the financing servicer XXXX XXXX. However, XXXX XXXX states they are just following the policy set by Alliant Credit Union, and so we have been given the runaround. To Whom It May Concern, I am an XXXX XXXXXXXX XXXX XXXX XXXX In XX/XX/XXXX, I purchased a home in California and assumed a solar loan from the seller. The loan was transferred to me at that time. In XX/XX/XXXX, I received XXXX XXXX XXXX XXXX XXXX XXXX ) orders from the XXXX XXXX XXXXXXXX to relocate from California to South Carolina. Due to this mandatory relocation, I am selling my primary residence. I have received an offer from a buyer who intends to assume the existing solar loan. However, the lender has refused to process the transfer, stating that they no longer allow loan transfers and require the loan to be paid off in full. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that the lender adheres to reasonable assistance guidelines for service members. My realtor and I have already attempted to resolve this issue directly with the lenders customer service. Still, I was told I did not have an account with them and was directed to resolve the matter with the financing servicer, XXXX XXXX However, XXXX XXXX states that it is only following the policy set by Alliant Credit Union, so we have been given the runaround. I have copies of my XXXX orders and the original loan assumption contract available for reference. Thank you for your attention to this matter. I have copies of my XXXX orders and the original loan assumption contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I'm a XXXX XXXXXXXX XXXX XXXX XXXX I cancel my XXXX XXXX to the XXXX XXXX XXXX XX/XX/year>, XXXX sent me a letter of cancellation. Filed a dispute with the Discover card, and they refused to reverse the charges after I sent Discover card, the letter of cancellation from XXXX. Not only is this XXXX abuse, but also deceptive marketing schemes to get another year subscription from customers who are not aware of their tactics. Basically I borrowed the money using Discover card to originally pay for the subscription for a year ago. So this year 's subscription was money borrowed when they charged it in XX/XX/year>, since the money was borrowing, it falls under the truth and lending laws, I did not want the service so I canceled, and should get a refund under the truth and lending law ( example ), if I bought a shirt, a pair of pants or shoes at a retail store, etc.. I can return it in 30 days but not so with XXXX, XXXX and DISCOVER. you will be charged for LIFE.

Company response to consumer: Closed with explanation