vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Company : Credit Acceptance Corporation Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX Complaint Type : Problem with a loan or lease Complaint Details : I am submitting this complaint because Credit Acceptance Corporation engaged in unfair, deceptive, and abusive practices regarding my auto loan and the deficiency balance after my vehicle was repossessed and sold. Issues : 1. Incorrect Deficiency Balance : Vehicle repossessed on XX/XX/year> at XXXXXXXX XXXX XXXX XXXX, XXXX, LA. Sale proceeds : {$8000.00} ; company claims total deficiency of {$10000.00}. They failed to properly apply my payments and XXXX insurance coverage, resulting in an inflated balance. XXXX. Abusive Collection Practices : Threats of disabling my vehicle via GPS and starter interruption devices. Demanding additional collection fees and attorney costs ( up to 25 % of the loan ). XXXX. Deceptive Contract Terms : Arbitration and other clauses limit my legal rights while imposing financial obligations. XXXX Credit Reporting Errors : Reporting incorrect deficiency balances to XXXX XXXX XXXX, and XXXX despite my payments and XXXX balance proof. Resolution Requested : Investigate and correct the deficiency balance. Properly apply payments and XXXX insurance credits. Ensure collection practices are lawful and do not include abusive fees or threats. Correct any inaccurate credit reporting. Provide confirmation that Credit Acceptance will not enforce invalid charges. Attachments ( optional but recommended ) : Contract and arbitration clauses Deficiency notice Payment records and XXXX coverage proof Correspondence with Credit Acceptance Signature : 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 2026-04-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MO

Complaint narrative:
I have been having an issue with Cash App since XX/XX/year> and it is still ongoing, related to XXXX purchases where authorization holds are not being fully released after the final transaction amount is settled. At the time of purchase, Cash App places an authorization hold for a higher amount than the final XXXX charge. When the order is completed, the final charge is lower, but the remaining difference from the original authorization is not being returned or clearly reflected in my available balance or transaction history. I believe Cash App is holding the remaining authorized funds after the final charge is processed instead of properly releasing them back to my account. I have screenshots showing : the original authorization amount at the time of purchase ( with date and time ) the final XXXX settled amount the transaction timeline showing the change from pending to final I am requesting a full review of these transactions to confirm that all authorization hold differences are properly released back to my Cash App balance and not retained after the final charge is processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I called both XXXX XXXX and XXXX XXXX on XX/XX/XXXX, to make a payment on each account. Entered my account information, was informed that {$0.00} payment was due on each account, so I noted this in my bill journal and hung up. Checking my emails, I have XXXX payment confirmations from Synchrony : XXXX XXXX ( Account ending in XXXX ) Payment for the amount of {$30.00} On XX/XX/XXXX, Confirmation number XXXX. XXXX XXXX ( Account ending in XXXX ) Payment for the amount of {$83.00} on XX/XX/XXXX, Confirmation number XXXX. I did not authorize these payments, when I was informed {$0.00} payment was due, I hung up after I called XXXX XXXX and XXXX XXXX. In addition, the summary of my Synchrony Accounts have the following information on each account : XXXX XXXX ( Account Ending in XXXX ), Total minimum Payment due {$0.00}, due date XXXX XXXX. XXXX XXXX ( Account Ending in XXXX ), Total minimum Payment due {$0.00}, due date XX/XX/XXXX. I have hard copies emails and my bank account where unauthorized payment was deducted from my bank account. Thank you for your time, 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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
This company contacted me via phone and left a message, I visited their website, they asked for a copy of the FTC Identity Theft Report which I provided electronically. I asked for the mailing address to send a formal dispute letter and they refused multiple times at which point I asked them to cease communicates by phone and all correspondence should be via XXXX mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
The date of XX/XX/year>. Received an email stating my account was closed and no longer in service. So I reached out to PAYPAL for an explanation and they wouldnt provide one. Ive been a customer of theirs for over 12 years and havent done anything differently in this time. I feel its discrimination and at least give an explanation why it was closed and also the evidence I did something wrong. Its an inconvenience for something I didnt violate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Tilt Finance, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX XXXX XXXX I spoke with Tilt representative XXXX XXXX regarding the collection account placed with XXXX. XXXX verbally stated that once I pay the balance to XXXX, Tilt would delete the entire collection from all three credit bureaus ( XXXX XXXX XXXX XXXX ). She also confirmed she would send me a written email confirmation stating this pay-for-delete agreement. I have not received any email or written confirmation despite her promise. Previously, both XXXX and Tilt were unable to properly validate the debt or confirm ownership when I requested verification. I am requesting that the collection be deleted from my credit reports as promised, or that the account be marked as disputed and unverifiable, and that no further collection activity occur without proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Your Name : XXXX XXXX Address : [ XXXX XXXX XXXX XXXX de XXXX ] Date : [ XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : FORMAL DISPUTE - REQUEST FOR INVESTIGATION & DELETION To Whom It May Concern, I am formally disputing several inaccurate, incomplete, and unverifiable items reporting on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to ss 168le ( b ), 168li, and 1681c. You are reporting accounts that contain inconsistencies, missing required data, and/or lack proper validation. I demand a reasonable investigation and deletion of any information that can not be verified. The following accounts are disputed : XXXX XXXX XXXX {$180.00} XXXX ( XXXX XXXX ) - {$3100.00} LVNV FUNDING LLC ( XXXX XXXX XXXX ) - {$870.00} LVNV FUNDING LLC ( XXXX XXXX XXXX - {$430.00} XXXX XXXX XXXX XXXX XXXX ) XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX - Charge-Off {$430.00} XXXX XXXX XXXX - Charge-Off {$870.00} These accounts appear to be : Unverified and/or not properly validated Reporting inconsistent dates and/or balances Missing complete payment history and required documentation Potentially re-aged or inaccurately reported Under FCRA 168li, you are required to conduct a reasonable investigation within 30 days. If you can not verify these accounts with original documentation, they must be permanently deleted. Additionally, if any furnisher fails to comply with FCRA {$620.00} obligations, continued reporting constitutes willful noncompliance. I request : Immediate investigation of all disputed accounts Verification with original signed contracts and full account history Permanent deletion of any unverifiable accounts Updated credit report reflecting corrections Failure to comply may result in complaints filed with the CFPB, FTC, and Attorney General. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Company : Ally Financial Inc . Account type : Auto loan / credit application Issue category : Applying for credit / Getting credit -- - Complaint narrative : In approximately XX/XX/year>, I applied for auto financing through a dealership whose application was submitted to Ally Financial for a credit decision. Ally Financial made an adverse action on my application ( credit was denied or terms were changed unfavorably ). Under the Equal Credit Opportunity Act ( ECOA ) 701 and Regulation B ( 12 CFR 1002.9 ), any creditor who participates in a credit decision is required to provide the applicant with an adverse action notice within 30 days, and to retain that notice for 25 months. I contacted Ally Financial directly at XXXX and requested a copy of the adverse action notice. Ally refused, stating I was " not their customer. '' I then contacted the dealership, who also stated they were unable to obtain the document from Ally. Ally Financial 's refusal to provide this notice is a violation of ECOA 701 and Regulation B 1002.9. I am requesting that the CFPB compel Ally Financial to produce the adverse action notice and investigate their compliance with federal adverse action notice requirements.

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 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I am filing a complaint regarding an unauthorized debit card transaction in the amount of {$1500.00} from XXXX E-Commerce dated XX/XX/XXXX. I did not authorize this transaction and have no account, agreement, or relationship with XXXX. I did not provide my debit card information to this merchant and did not receive any goods or services. I contacted XXXX directly, and they confirmed that there is no account or order under my name associated with this charge. Additionally, other transactions from the same timeframe were investigated by Chime and determined to be fraudulent, and those charges were refunded. However, this XXXX transaction was denied without a sufficient explanation, with Chime simply stating that no error occurred. Chime has not provided any documentation or evidence showing that I authorized this transaction, despite my requests. This is inconsistent with their handling of other confirmed fraudulent charges on my account during the same time period. I also attempted to escalate this matter by phone and was disconnected/hung up on abruptly while speaking with a supervisor. Under Regulation E, I am requesting that Chime properly investigate this unauthorized electronic fund transfer and provide reimbursement for the {$1500.00} charge. I am requesting : Reimbursement of the unauthorized transaction Documentation of any alleged authorization A proper and consistent fraud investigation This charge is fraudulent, and I should not be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Product : Student Loan Issue : Problem with loan forgiveness / repayment plan processing Company : Aidvantage ( Federal Student Loan Servicer ) -- - Complaint : I am filing this complaint regarding a failure to process my Income-Driven Repayment ( IDR ) forgiveness despite confirmed eligibility. My loan servicer, Aidvantage, has confirmed in writing that I have met the required number of qualifying payments for IDR forgiveness. However, my loans have not been discharged because the Department of Education has not issued approval. Federal Student Aid data reflects that I have over 300 qualifying payments under IDR adjustment programs ( including IBRXXXX and SAVE ), which exceeds the threshold required for forgiveness. However, my current repayment plan ( IBR ) incorrectly reflects 0 qualifying payments. This discrepancy is preventing my loan discharge and appears to be the result of a failure to properly apply IDR adjustment payment counts across repayment plans. This is not an eligibility issue. It is a processing failure between the Department of Education and my loan servicer. Despite multiple inquiries, I have been told only to wait, while interest continues to accrue and my account remains in limbo. -- - Requested Resolution : I am requesting : 1. Immediate review of my account at the Department of Education level 2. Correction and alignment of qualifying payment counts across all IDR plans 3. Immediate processing of my loan discharge based on confirmed eligibility 4. Removal or correction of any adverse account status resulting from this delay -- - Additional Information : I have attached documentation confirming : * Servicer acknowledgment of eligibility for IDR forgiveness * Federal Student Aid data showing over 300 qualifying payments * Ongoing discrepancy in qualifying payment counts under my current plan This issue reflects a systemic processing failure and requires escalation beyond standard customer service channels. -- - Consumer Consent : I consent to the CFPB forwarding this complaint and attachments to the company for response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Complaint : I am filing a formal complaint regarding inaccurate and unverified reporting on my credit file. The account listed as Jefferson Capital Systems with a balance of {$340.00} is being reported without proper verification and violates : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct proper reinvestigation Additionally, if this account resulted from identity theft, it must be blocked under 15 U.S.C. 1681c-2. I have disputed this account directly with the credit bureaus, yet it continues to be reported without sufficient documentation. Resolution Requested : Immediate deletion of this account Written confirmation of removal Full documentation supporting verification if not deleted Failure to comply will result in escalation including legal action. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I had submitted dispute for unauthorized charges to my chime account. My claim was denied for all disputed transactions with no standing or explanation. Furthermore Chime went ahead and closed my account I believe as retailailation for me raising concern of unauthorized charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I received a refund from a service to my Robinhood account, giving me a negative balance. I requested Robinhood to send the balance to my bank, which they claimed required approval to do so. I sent a message on XX/XX/XXXX, and they had not sent a follow up. I then called support on XX/XX/XXXX requesting details such as ETA to receive the negative balance in my bank account. They were unable to provide such details, but said that they were working on it within an email with case id XXXX. I have not received any update since then, and have over $ XXXX stuck on the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
I submitted a complete loss mitigation application on XX/XX/year>, which is more than 37 days prior to scheduled foreclosure sale. Despite this, the servicer has continued foreclosure proceedings, including notices of acceleration. This appears to be a violation of federal mortgage servicing rules prohibiting dual tracking under Regulation X.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: NY

Complaint narrative:
I noticed an unauthorized transaction on my Capital One credit card account in XX/XX/year> and immediately reported it as fraud. I did not make, authorize, or benefit from this transaction. Capital One investigated the claim and denied it, stating that the card was physically used. However, this does not prove that I authorized the transaction. The card being in my possession does not mean I made that purchase. I contacted Capital One multiple times to dispute the decision and requested a reinvestigation. I also asked for documentation showing how they determined that I benefited from the transaction, but I was not provided with clear evidence. I have since filed an official FTC Identity Theft Report and submitted it to Capital One as supporting documentation. Despite this, I was not given proper assistance and my concerns were not adequately addressed. I am requesting that this matter be fully reinvestigated and that the fraudulent charge be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This debt in the amount of {$2400.00} was placed on my credit report and it is mine. XXXX reached out to the company and still didnt receive account validation of the account.

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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am reporting serious security failures and mishandling of fraud on my Fidelity Rewards Visa account serviced by Elan Financial Services. I was alerted that a replacement credit card had been activated, even though I did not request a replacement card. Shortly after, multiple fraudulent charges totaling approximately {$16000.00} were attempted in XXXX, California. I immediately contacted Elan Financial Services and reported the fraud. While I was on the phone with their representative, a fraudster was also able to call in, impersonate me, and interact with the company regarding my account. The following day, I received an alert that my address had been changed to XXXX, XXXX the fact that I had already reported fraud and account compromise. This indicates a severe failure in identity verification and account protection procedures. I explicitly requested that additional authentication measures ( such as multi-factor authentication for phone interactions ) be added to my account. However, subsequent testing has shown that Elan Financial Services is not consistently enforcing these protections. I have had this account for years, maintain a {$25000.00} credit line, and use it regularly. I would prefer to keep the account, but I have lost confidence in the companys ability to secure my account and protect my identity. Requested resolution : Immediate implementation and enforcement of strong multi-factor authentication on my account Written explanation of how unauthorized parties were able to access and modify my account after fraud was reported Confirmation that my account is fully secured and that no further unauthorized changes can occur Assurance that I will not be held liable for any fraudulent activity Review and correction of any internal failures that allowed this breach This situation represents a serious security risk and failure to protect customer information.

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