vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Global Lending Services LLC
State: CT

Complaint narrative:
Subject : Summary of Ongoing Credit Reporting, Billing, and Disclosure Violations Global Lending Services Consumer Financial Protection Bureau Consumer Response Center Dear CFPB Representative, I am submitting this letter as a concise summary of the enclosed documentation concerning ongoing and unresolved consumer protection violations by Global Lending Services LLC related to Auto Loan Account No. XXXX, jointly held by XXXX XXXX and XXXX XXXX. 

Since XX/XX/year>, we have sent multiple written disputesby certified mail and XXXX Global Lending Services Credit Disputes Department, Executive Office, and Legal/Compliance departments. These disputes raised repeated concerns under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), Fair Debt Collection Practices Act ( FDCPA ), and applicable Connecticut consumer protection laws. Despite extensive notice and supporting documentation, Global Lending Services has failed to adequately investigate, correct, or respond. 

The primary issues include, but are not limited to : * Inaccurate and inconsistent credit reporting across all three credit bureaus, including misrepresentation of payment status, late payments reported during deferred periods, inconsistent loan terms, improper balance increases, and continued dispute notations after resolution. 
* Failure to conduct reasonable investigations or correct disputed information as required by the FCRA.

* Billing and disclosure violations, including delayed or insufficient billing statements contributing to alleged late payments.

* Improper financing, disclosure, and handling of GAP insurance, including misrepresentation of its mandatory nature and failure to issue required refunds.

* Potential TILA and Connecticut RISFA violations rendering the contract voidable due to defective disclosures and improper itemization.

* Ongoing collection activity and unprofessional conduct while the account remains in active legal dispute.

We have acted in good faith for over a year to resolve these matters directly. Global Lending Services continued inaction, inconsistent reporting, and failure to comply with federal and state law has caused ongoing financial and credit harm.

We respectfully request that the CFPB investigate this matter, require Global Lending Services to comply with applicable consumer protection laws, correct all inaccurate credit reporting, cease improper collection activity, and provide appropriate restitution and relief.

Thank you for your attention to this complaint. Please contact us if additional information is required. 

Respectfully, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CT XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/year> I had deposited XXXX on my savings account. I have not used that Navy Federal account for more than 7 months due to financial issues. 1 week earlier on about XX/XX/year> I had reopened the savings account, and had deposited XXXX in XX/XX/year>. On XX/XX/year> it had posted on my savings account and it showed as XXXX, the balance beafore it was withdrawn unauthorized was XXXX and I was going to deposit XXXX so I can open a credit card with a XXXX limit. I called the Navy Fed fraud department and I was told they could not reverse the transaction because it was done by me. I had told me I can show them any evidence they would like that I did not authorize that transaction. 30 minutes later the supervisor of the fraud employee told me it was the joint owner and I would not be able to get my money back so I chose to remove the joint owner from my account and re open a new savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and unfair debt collection and reporting practices by Affirm, XXXX, and XXXX XXXX XXXX XXXX XXXX. 

For approximately three years, I have been receiving emails from XXXX. I initially believed these messages were spam or junk mail and did not respond. In XXXX, I received an email advising me to report fraud because I had never done business with the company. Unfortunately, I am no longer able to locate that message. 

On XX/XX/XXXX, I received an email stating that the servicing and ownership of an alleged loan had changed. The email indicated that XXXX XXXX XXXX XXXX XXXX had taken over an unpaid loan balance of {$210.00}, originally associated with Affirm. 

On XX/XX/XXXX, I received an email from Affirm stating that they had completed an investigation regarding this matter. The email referenced a loan from XXXX with Loan ID : XXXX. However, Affirm has never provided me with any signed contract, application, account statements, or documentation showing that I authorized or opened this account. 

I do not recognize this account and have never knowingly opened, authorized, or agreed to any loan or credit account with Affirm, XXXX, XXXX XXXX, or XXXX. 

Despite my repeated concerns and lack of verification, these companies continue to assert that I owe {$210.00}. No proper validation or proof of obligation has been provided to me. 

I believe this alleged debt is the result of fraud, identity theft, or inaccurate reporting. The continued attempts to collect this unverified debt have caused emotional XXXX, financial concern, and potential harm to my consumer reports. 

I respectfully request that the Consumer Financial Protection Bureau : Investigate the practices of Affirm, XXXX, and XXXX XXXX XXXX XXXX XXXX Require full and proper documentation validating this alleged debt Ensure removal of any inaccurate, unverifiable, or fraudulent information Enforce compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act Prevent further collection activity unless proper legal verification is provided I am prepared to submit copies of all related emails and correspondence upon request. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
This is a FOLLOW UP complaint to CFPB because my case was closed despite Money Network not resolving the issue. 

I am unable to access the funds in this account, because they do not let me transfer to my XXXX XXXX. 

Please do not close the case until they resolve a very basic function for any financial institution.

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 2026-02-10 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: PA

Complaint narrative:
PayPal permanently limited my account and is holding {$94.00} for 180 days. I accept the account limitation and am not requesting reinstatement. 

There are no disputes, chargebacks, or claims associated with this balance. Despite repeated requests, PayPal has refused to escalate my request for early release to the XXXX team or provide a risk-based explanation specific to my account. 

The amount is under {$100.00} and the hold is causing financial hardship. I am requesting early release of the funds or written confirmation that the XXXX team has reviewed and justified this hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am filing this formal complaint against Discover Card for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, regarding the reporting of inaccurate and unfair negative information on my credit profile.

Discover Card has reported 34 late payments on my account # XXXX. However, Discover Card failed to provide me with a Notice of Negative Information, as required by Section 623 ( a ) ( 7 ) of the FCRA. This federal law mandates that financial institutions must notify a consumer either before, or no later than 30 days after, furnishing negative information to a nationwide consumer reporting agency.

Furthermore, I contend that the reporting of these late payments is inaccurate because I was not properly notified of the alleged delinquency or the bank 's intent to report such status to the bureaus. This lack of notice deprived me of my right to resolve any potential discrepancies before damage was done to my credit standing.

As a direct result of this failure to follow federal notice requirements, my credit score has been severely impacted, affecting my ability to secure financing and manage my personal finances effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I disputed a credit card charge in the amount of {$340.00} that posted to my Apple Card ( issued by Goldman Sachs ) on XX/XX/year>. This charge was incorrect because the transaction had already been paid using XXXX. 

I provided documentation showing that the merchant received and accepted the XXXX payment, including emails from the merchant confirming receipt of the XXXX payment and screenshots showing the funds being withdrawn from my bank account. In those emails, the merchant explicitly states that they did not charge my Apple Card.

I have attempted to resolve this issue through multiple dispute submissions. During these attempts, Apple Card representatives changed the dispute reason multiple times in an effort to obtain approval, but the dispute continued to be denied.

I also spoke by phone with a billing dispute supervisor to request clarification and review. Despite these efforts, I did not receive a consistent or satisfactory explanation addressing the evidence I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. On or around XX/XX/year>, I deposited a U.S. Treasury tax refund check belonging to my sister, XXXX XXXX, into my Chase checking account ( Ending in # XXXX ). My sister endorsed the check to me, and I deposited it in good faith.

Immediately following this deposit, Chase frozen my entire account. It has now been nearly one year, and Chase continues to withhold all funds without resolution.

I am filing this complaint to demand action on two specific issues : My Personal Funds : Chase is wrongfully holding approximately {$3400.00} of my own money that was in the account prior to the tax check deposit. These funds are mine and have no relation to the check in question. Chase has refused to release them. 

My Sister 's Tax Refund : We need a clear resolution regarding the tax check. Chase has not clarified if they cashed it or returned it. My sister, XXXX XXXX, has been unable to recover her tax refund because Chase provides no information on the status of these funds. 

Despite visiting the branch at XXXX XXXX and XXXX in XXXX with my sister present and with valid ID, the bank refuses to help unless she opens a new phone contract, which is an unreasonable barrier to retrieving our own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
On today XX/XX/year> I deposited a check for XXXX in my account with Chime account number XXXX. Chime said the check couldn't be verified. I took the check to XXXXXX/XX/XXXX who issued the check for a class action lawsuit against XX/XX/XXXX I was advised by XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX that the check was verifiable and Chime never verified. This was my third attempt to deposit the check because I really needed the funds for food. XXXX couldn't cash it because I had already signed it and signed Mobil Deposit for Chime. This has really been an inconvenience. I believe this is retaliation because I complained on Chime just a few weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MT

Complaint narrative:
MOHELA improperly placed my federal student loans into In School Deferment status from XX/XX/XXXX through XX/XX/XXXX without my authorization, request, or consent. MOHELA asserts that this status was automatically applied through enrollment reporting via NSLDS and refuses to correct it, stating that it can not backdate the removal.

During this entire timeframe, I was employed full-time with a qualifying Public Service Loan Forgiveness ( PSLF ) employer, and my certified employment documentation is already on file. These months should qualify toward PSLF. MOHELAs inaccurate status reporting directly prevented PSLF credit, delayed my forgiveness timeline by years, and caused substantial unnecessary interest to accrue. 

MOHELA has failed to provide any documentation showing that I requested or consented to in-school deferment and has failed to cite any federal regulation prohibiting the correction of erroneous deferment statuses. The Department of Education has confirmed that MOHELA, as my loan servicer during the applicable timeframe, is responsible for making this correction. 

I am requesting that MOHELA immediately : Correct my loan status from In School Deferment to Repayment for XX/XX/XXXX through XX/XX/XXXX Update all reporting systems to reflect accurate PSLF qualifying months Provide written confirmation and updated loan status history MOHELAs refusal to correct inaccurate loan status reporting constitutes improper servicing and has caused direct financial harm. I am requesting CFPB assistance to require MOHELA to correct the error and remediate the resulting harm.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing this complaint to protest a bad-faith billing practice and a total lack of customer service from Bank of America , a company I have been a loyal customer of for over 15 years. 
On XX/XX/year>, I made a massive payment of {$1100.00} to settle my balance. Prior to making this payment, I called Bank of America specifically to confirm the exact amount needed to bring the account to a {$0.00} balance. I paid exactly what I was told. 
Despite this, Bank of America hit me with a {$23.00} 'Standard Interest ' charge. I requested a waiver, explaining that I had followed the instructions of their own representatives. On XX/XX/year>, I received a cold, automated response stating my request was 'Declined ' and that the decision is 'final. ' It is appalling and disgusting that after 15 years of loyalty and a good-faith payment of over {$1100.00}, Bank of America is choosing to penalize me for their own inability to provide an accurate payoff quote. I refuse to pay 'interest on interest ' for a balance that should not exist. ''

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 2026-02-10 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: Possible Financial Inc
State: TX

Complaint narrative:
I am filing this formal complaint against POSSIBLE FINANCIAL INC for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, regarding the reporting of inaccurate and unfair negative information on my credit profile.

POSSIBLE FINANCIAL INC has reported 65 late payments on my account CYSFTNXXXXXX. However, POSSIBLE FINANCIAL INC failed to provide me with a Notice of Negative Information, as required by Section 623 ( a ) ( 7 ) of the FCRA. This federal law mandates that financial institutions must notify a consumer either before, or no later than 30 days after, furnishing negative information to a nationwide consumer reporting agency. 

Furthermore, I contend that the reporting of these late payments is inaccurate because I was not properly notified of the alleged delinquency or the bank 's intent to report such status to the bureaus. This lack of notice deprived me of my right to resolve any potential discrepancies before damage was done to my credit standing. 

As a direct result of this failure to follow federal notice requirements, my credit score has been severely impacted, affecting my ability to secure financing and manage my personal finances effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX disputed amount {$2600.00}. Merchant agreed to refund. Refund receipt attached from XXXX. Communicated with XXXX XXXX though XXXX  and emails asking for status of refund multiple times. It is now XXXX and Capital One Credit Card sided with the merchant despite my constant communication with the Merchant ( XXXX XXXX ) asking for refund status and a receipt for refund. Capital One provided no evidence from the Merchant and constantly lied to get me off the phones. Only to send me a denial letter minutes as soon as I got off the phones with them. I called them approximately 7 times that day and was supposely transfer to multiple supervisors/managers who tried to get me off the phone as quickly as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I am submitting a formal complaint against IC System, a collection agency, which is incorrectly reporting an account on my credit report that does not belong to me. This account is listed as open, and I have never had any affiliation or financial obligation related to this account. I request that the CFPB conduct an immediate investigation and ensure the removal of this account from my credit report. 

Issue Summary : Incorrectly Reported Account by IC System : Collection Agency : IC System Account Status : Open This account is being reported as open, but I have never had any financial relationship with the creditor or the collection agency. This account does not belong to me and is a clear reporting error. 

Unauthorized Reporting : I have no record of this debt, nor have I received any notice or communication from the original creditor or IC System regarding this alleged account. No agreement or transaction exists that could be connected to this collection account. Therefore, it is likely the result of an identity mix-up, or it may even be a case of fraud or incorrect reporting.

Impact on My Credit : The continued reporting of this account as open on my credit report is severely damaging my credit score and financial reputation. I am unable to obtain credit, and this false entry is harming my ability to make financial decisions and pursue 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 2026-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XX/XX/year>, the primary account holder of my childrens XXXX account passed away. In XX/XX/year>, I tried to process a change of successor guardian for that account and to this day the change has not been processed.

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 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: TX

Complaint narrative:
My online banking was disabled on XX/XX/2025, since then I called a couple of times to the callcenter and they just said " go to your branch '' without any information or details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I want to remove it off my credit, it is a bad loan that accrues interest daily and I had it for a year and the original balance is the same as it was when I first purchase the vehicle and im having issues with the transmission is going out since XXXX of last year.

Company response to consumer: Closed with explanation