vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I was coerced to signing an auto loan to buy a car from XXXX XXXX. Desperate I offered my personal information and documentation via media messages between myself and salesman by the name of XXXX XXXX. By the salesman offering a ride share to compliment my experience. XXXX told my down payment out the door & having vehicle that was not California compliant when inspected by the XXXX XXXX XXXX XXXX after signing the contract he refused to mediate and I sought after punitive damages in civil court for the repairs and tort but was dismissed. My car was stolen once by the dealer. XXXX the owner of the dealership, threatened my family member to do so while insinuating to cancel my contract at the beginning of my contract via text message. XXXX had me convinced I was to pay {$500.00} to his dealership due to job reference being inaccurate after I personally spoke with the bank they denied the need and spoke with the dealer. I believe the bank has assisted in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/year> Ally Financial issued a repossession order on my vehicle. The towing/recovery company acting on Allys behalf arrived at my location in XXXX XXXX XXXX Florida and attempted to take the vehicle. 

During this attempt, the repossession agent intentionally blocked my vehicle in so that we could not leave. We were confined for approximately XXXX ( XXXX ) minutes. The agent stated that we would not be allowed to leave unless we handed over our keys. We remained inside the vehicle. The vehicle was not taken only because we refused to exit under these coercive conditions. 

The agents actions caused fear and distress and placed our safety at risk. We were prevented from leaving, intimidated, and confined. This conduct constitutes a breach of the peace during repossession and false imprisonment. 

The towing company was acting under Ally Financials repossession order and authority. Ally Financial is responsible for the conduct of its agent. 


I have video, I cant attach it because it too big.But I was able to do a screenshot of use blocked in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Second Alliance, Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding an alleged debt. This letter is not an acknowledgment or admission of any debt. 

Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I request validation of the alleged debt. Please provide the following : 1. The amount of the alleged debt, including an itemization of any interest, fees, or other charges 2. The name and address of the original creditor 3. Copies of any documents demonstrating that I am legally obligated to pay this debt 4. Proof that you are the current owner of the debt or are authorized to collect on behalf of the owner 5. Documentation showing the complete chain of assignment or transfer of the debt, if applicable 6. Verification that the statute of limitations for this debt has not expired Until such validation is provided, you must cease all collection activity, including reporting or verifying this account with any consumer reporting agency.

If you are unable to provide proper validation, please confirm in writing that this matter is closed and that any negative credit reporting associated with this account has been removed. 

All future communication regarding this matter must be in writing only. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
me and XXXX  had a conversation last year about an old account. i kept getting emails and that lead to their IT department getting involved. i was told the account was closed and have the email to prove it. yesterday i called again because someone is trying to change my password. i was told the account was not closed because process wasn't completed. also informed the account is frozen and couldn't get an explanation why. i need help because seems to me they are failing to close the account and allowing someone to try and access the account,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Research Inc
State: TX

Complaint narrative:
I discovered that two federal student loan accounts were being reported under my name by Central Research Inc. ( CRI ). I have never attended XXXX New Hampshire University and have never applied for or received federal student loans. 
I disputed the accounts with XXXX, stating that the loans did not belong to me. The dispute was later marked resolved outcome unknown, without any explanation of what verification was performed or how ownership of the accounts was determined. 
Because the issue remained unresolved, I filed a complaint with the CFPB and requested that CRI explain how these loans were attributed to me and what information was used to verify my identity. I requested documentation or an explanation of the matching process used to associate the loans with me.

CRI did not provide verification or documentation. Instead, they responded with a summary listing my name, current address, and loan amounts, stating that the information was provided by the Department of Education. They did not explain how my identity was matched to the loan records, whether enrollment records were reviewed, or whether XXXX New Hampshire University was contacted. 
CRI suggested the issue might be identity theft and directed me to complete their fraud process, despite having already received my information through the CFPB complaint. No explanation was provided as to why verification had not already occurred or why the dispute had previously been marked resolved. 
After receiving only vague information identifying XXXX New Hampshire University as the originating school, I contacted the university directly to verify whether I had ever been enrolled. XXXX New Hampshire University was unable to verify any enrollment under my information and escalated the matter to their fraud review procedures due to inconsistencies. 
At the same time, XXXX  indicated that additional time was required to reinvestigate, while CRI treated the matter as closed. The same loans later appeared on additional credit bureaus despite ongoing disputes and a credit freeze. 
As a result of CRIs failure to reasonably verify the accounts, I was forced to place fraud alerts, freeze my credit, contact multiple credit bureaus, contact the originating school, file a police report, and pursue additional regulatory complaints. My credit score has been negatively impacted, and I have experienced significant time loss and disruption to my work.

Based on the available evidence, the issue appears to be a misattribution of student loan data rather than confirmed identity theft. CRI has not demonstrated that a reasonable investigation was conducted or that enrollment records were properly verified.

I am requesting that CRI be required to fully verify these accounts with the originating institution or cease reporting them and that inaccurate information be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
An account was open without my knowledge and it's stopping me from opening an account and also they have me in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been a long time customer of Capital one I had a XXXX dollar  credit limit for years with them then yesterday they cut my credit limit to XXXX  dollars I have a small balance of XXXX dollars on this account and was a few days late I received no warning of this will tank my credit score because of there actions I call them and they told me they could send me an email about this account but couldnt discuss it with me this is not right how can they legally get away with this action Capital one thank they can get away with this type of action just because there a large company its time something is done about this action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA ... I woke up one morning to find my account emptied by a XXXX transaction ( not mine ). I Immediately, called the bank. This was the week of XXXX XXXX. 

They put in the dispute and the bank refunded my money. However, since then I have had issues using my account. They refuse to give me answers as to what happened and Will not allow me to close the accounts? My paycheck is being deposited into another account with them and I'm unable to make withdrawals and limited transactions?

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 2026-01-08 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: MI

Complaint narrative:
My debit cards and my phone was lost on the XX/XX/year>, i called chime on XX/XX/XXXX and my other cards to re order my cards and to see if my cards was used. I come to find out my chime card was used XX/XX/XXXX. XXXX transactions totaling {$1600.00} on draftkings sports betting. Come to find out somebody that picked my phone up was using inside of phone using my cards and accounts. Immediately told them to cancel my cards and file a dispute. Once i filed the dispute they denied, said the merchant wouldnt give the money back but didnt send me the reason why. Then i refilled a dispute again and filed a police report on XX/XX/XXXX. Once again they denied my dispute and they still havent gave me a reason why. They just keep asking me for more information to refile a dispute again. Im out of {$1600.00} and they keep denying my dispute and not giving me a valid reason why

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I immediately contacted Cash App for a refund. I was instructed via a message to try to cancel the transaction and if not, to request my money back ( reversal ). The person declined as this was a scam. I received no assistance from Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
Hello, I am a borrower on the promissory note and mortgage with PennyMac Loan # XXXX but was excluded from the deed without my informed consent. I am financially liable for the loan but do not hold legal ownership interest in the property. 

I was never advised that my name would be excluded from the deed, nor did I sign a quitclaim or waiver of ownership. This resulted in significant financial harm and risk. I believe this constitutes an unfair, deceptive, and abusive lending and closing practice. 

I am requesting a full investigation, correction of the deed, and relief from financial liability if ownership is not restored. I am a borrower on the promissory note and mortgage but was excluded from the deed without my informed consent. I am financially liable for the loan but do not hold legal ownership interest in the property. 

I was never advised that my name would be excluded from the deed, nor did I sign a quitclaim or waiver of ownership. This resulted in significant financial harm and risk. I believe this constitutes an unfair, deceptive, and abusive lending and closing practice. 

I am requesting a full investigation, correction of the deed, and relief from financial liability if ownership is not restored. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting this complaint against TransUnion LLC for inaccurately reporting late-payment information that is internally inconsistent and unverifiable. TransUnion is reporting late payments for XXXX XXXX  ( Account XXXX ) for multiple months in XXXX and XXXX, XXXX XXXX  ( Account XXXX ) for XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX ( Account XXXX ) for XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX, and the XXXX XXXX  XXXX XXXX XXXX Account ending XXXX ) for XX/XX/XXXX through XX/XX/XXXX. These late-payment notations conflict with other reported account data, including payment and balance history, making the information unreliable and unverifiable. TransUnion has continued to report these inaccuracies without demonstrating a valid method of verification.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Multiple bank accounts and/or financial activities were opened and reported under my name without my knowledge, authorization, or consent. These fraudulent accounts have caused ongoing harm and continue to negatively impact my ability to conduct legitimate banking and financial business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CO

Complaint narrative:
FEDERAL STUDENT LOAN FCRA / HEA FORMAL DISPUTE CEASE AND DESIST NOTICE Via Certified Mail Return Receipt Requested - ( 2 ) letter sent - 30 days apart my EdFinancial Services XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone - ( XXXX ) XXXX RE : FORMAL DISPUTE, CEASE AND DESIST NOTICE, NOTICE OF NON-COMPLIANCE, AND DEMAND FOR CORRECTION Borrower : XXXX XXXX XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter serves as formal notice of dispute regarding the above-referenced federal student loan accounts currently being furnished by EdFinancial Services . 

These accounts are being reported as 120180 days delinquent without documentation or evidence that the required federal borrower protections and repayment options were properly offered prior to the reporting of derogatory status.

Applicable Law and Regulatory Violations Your reporting and servicing actions constitute violations of, but are not limited to, the following : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate 34 C.F.R. 682.405 Failure to properly offer loan rehabilitation prior to default 20 U.S.C. 1080a Failure to ensure accurate federal loan reporting XXXX XXXX Credit Reporting Guidelines Inaccurate and unverified delinquency reporting on federally backed loans.

Documented Violations Failure to document or prove that Income-Driven Repayment ( IDR ) options were offered Failure to properly offer Federal Loan Rehabilitation prior to default status Furnishing inaccurate and derogatory information to consumer reporting agencies Reporting delinquency without proper verification or borrower notification CEASE AND DESIST DEMAND You are hereby directed to CEASE AND DESIST from any further inaccurate, misleading, or derogatory credit reporting related to the above-referenced accounts until full compliance with federal law is established. 

DEMAND FOR IMMEDIATE CORRECTIVE ACTION Accordingly, I demand the following actions : 1. Immediate enrollment in the Federal Loan Rehabilitation program 2. Immediate suspension of all negative or derogatory credit reporting 3. Written documentation proving compliance with all federal servicing and disclosure requirements 4. Deletion of all late payment history upon successful completion of rehabilitation, as required under federal guidelines Failure to comply with this notice will constitute willful non-compliance under the Fair Credit Reporting Act and applicable federal regulations, subjecting EdFinancial Services to potential legal liability.

This matter requires your prompt attention. Please respond in writing within 30 days of receipt of this notice. 

Respectfully, /s/ : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ClarityPay, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I requested a loan cancelation with clarity pay because the XXXX XXXX XXXX ( tutoring center ) that we were attending closed after about a week of going there. The owner of the XXXX XXXX told us she would reopen but she was being misleading about the issues she was having. She told us her wifi was down but she was being closed out of business. I reached out to clarity pay and they stated that the cancelation process would take XXXX days. I never heard back from clarity pay at all about the cancellation of the loan. Now the XXXX  owner does not return my calls, and other XXXX  say they can not help with the refund, clarity pay asks me to speak with XXXX  and XXXX asks me to speak with clarity pay. Meanwhile clarity pay set up payments to be removed from my account on their own without my permission, and refuse to help me. I have recorded calls showing that they hang up on me after a while. I have emailed them and mailed them a letter asking for the cancelation and I have received no response from them. 

My issue here is that the XXXX XXXX XXXX I signed up with for tutoring has closed. My daughter attended about XXXX weeks, then XXXX  was acquired by another company. After the acquisition the XXXX  we were going with were having wifi issues, then technical issues, this is what we were being told. 

Then all of a sudden they closed and we were told that the director of the XXXX  we were attending was not allowed to speak with us anymore. 

When I spoke with clarity pay ( the place that gave me the loan for the tutoring ) on XX/XX/year> they told me it would take 20 days to cancel the loan. They gave me the run around that they would email the new owners of XXXX  to get the loan canceled. They never called me back. When I would call them they would tell me to wait to get a call back. 

When would call the people who acquired XXXX  they would tell me that I could not be helped because they did not handle that part of the business and I would need to call the XXXX XXXX XXXX XXXX and work with her, which told us she was advised to stop speaking with the parents. 

Now clarity pay is charging my account with no approval. I called today to cancel the recurring payments that they set up. My account was charged last week without my consent. I called my bank to see if I could get the money back and they said they would dispute it but I could end up without my money. I called clarity pay and they told me XXXX, which is closed and I cant get a hold of anyone that could help, would have to refund me directly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or around XX/XX/year>, I contacted JP Morgan Chase to request my PMI be removed from my mortgage based on a significant increase in property value. After I paid the {$150.00} fee, my second time paying such a fee, Chase put me in touch with XXXX XXXX. 

On XX/XX/year>, XXXX introduced himself as a real estate agent hired by JP Morgan Chase to conduct a XXXX. On XX/XX/year>, XXXX came by and conducted the appraisal. 

In the following weeks, Chase worked on the XXXX, and after a few weeks, I called Chase to receive the news that my XXXX came in at {$640000.00}, which was shy of the amount I needed to have the PMI automatically removed. 

I contacted XXXX, ( I attached screenshots of these text messages to my complaints with Chase, which they reference in the attached letter ), and asked him for advice. He explained to me that {$640000.00} is not what he appraised the unit at, but rather {$720000.00}, which is exactly what I would need to have my PMI automatically removed. 

This led me to file a dispute with Chase. Chase 's response makes no sense and honestly feels quite predatory given their obvious incentive to keep me paying PMI even though I've never missed a payment, and their own independent appraiser, which THEY hired, stated the unit was valued at {$720000.00}.

I've never had trouble in the past removing my PMI, or being forced to pay for appraisals, but Chase has made it horribly difficult.

Company response to consumer: Closed with explanation