vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX. The Agreement On XX/XX/year>, a Capital One 360 Performance Savings account was opened utilizing promotional code XXXX. The express terms of this promotion guaranteed a {$300.00} bonus contingent upon the deposit of at least {$20000.00} in " new money from external sources '' within a XXXX Initial Funding Period. XXXX. Execution and Chain of Custody On XX/XX/year>, an external deposit of {$20000.00} originating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX cleared into an existing Capital One 360 Checking account. Because the newly opened savings account lacked immediate external transfer verification, the checking account was utilized solely as a pass-through vehicle to ensure compliance with the XXXX funding deadline. On XX/XX/XXXX, XXXX XXXX of the XXXX Initial Funding Periodthe exact sum of {$20000.00} was transferred from the checking account to the XXXX XXXX XXXX account. Notably, between XX/XX/XXXX and XX/XX/XXXX, XXXX additional transactions ( credits or debits ) occurred in the checking account. This lack of commingling establishes an unbroken chain of custody, proving the funds transferred on XX/XX/XXXX were the identical external funds originating from XXXX XXXX. The required balance was subsequently maintained for the stipulated XXXX retention period. XXXX. The Dispute and Contradictory Admissions Capital One has denied the {$300.00} promotional bonus based on inconsistent reasoning provided by its own representatives. Initially, a customer service representative incorrectly asserted the funds did not qualify as " external. '' Upon escalation, a second representative formally acknowledged that the funds were indeed external " new money. '' However, this second representative still denied the bonus, citing an undisclosed, internal " XXXX bridge '' policy. The representative stated that because the funds remained in the checking account forXX/XX/XXXX days, the bank would not grant an exemption. This arbitrary internal guideline materially contradicts the explicit XXXX Initial Funding Period advertised in the public terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: GA

Complaint narrative:
First Credit Services has violated 15 USC 1692g by not providing debt validation. I called and spoke with this company 2 days after receiving notice via mail and disputed this XXXX fitness debt which was well within the 45 day. I spoke with XXXX and crunch fitness and was told it was sent in error and it would be corrected. Also I requested First Credit Services provide title of ownership of this account and they have still fail to provide it which is another violation of the FCRA. This company has no right of harassing me over a debt I don't owe. I will contacting an attorney for guidance and filing a lawsuit which will be more than a XXXX on something dollars. This company has intentionally reported this account to my credit profile to intentionally hurt me credit score and credit. I don't have a contract with this company and they still had provided contract with signature nor have they provide title of ownership to even collect on this account. For that exact reason I will fbe filing a lawsuit for violation, intentionally harm and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by Credit Systems International for {$560.00} under account number XXXX ( CR SYST INTR ). I dispute this account and do not recall receiving the required written notice before it was placed on my credit report. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a consumer must receive written notice of a debt and their validation rights shortly after the initial communication. I have requested proper validation of this alleged debt at least three separate times, and it has now been well over 60 days without receiving the documentation required to verify the debt. Instead of providing proper validation, the company sent an invoice, which does not constitute validation of a debt. It is 2026, and consumers have access to the law and publicly available information about what proper validation requires. Proper validation of a debt generally includes documentation identifying the original creditor, the amount of the alleged debt with an itemized accounting of the balance, documentation showing the debt was legally assigned or transferred to the collector, evidence that the collector has the legal authority to collect the debt, and documentation connecting the alleged debt to the consumer. If Credit Systems International claims that validation was previously mailed or provided, I request that the documentation be attached and submitted directly through this CFPB complaint so it is available for review as part of the official record. Reporting and attempting to collect a debt without proper verification raises concerns regarding compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy in credit reporting, 15 U.S.C. 1681s-2, which requires furnishers to provide accurate information to credit reporting agencies, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692g ), which prohibit misleading representations and require debt validation. Industry reporting standards under Metro 2 also require that furnishers report accurate and verifiable information to credit reporting agencies. I have also filed complaints regarding this matter with the Federal Trade Commission and my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I disputed the reporting of late payments on my vehicle loan account. The company responded stating that statements were provided through electronic billing and that late payments were accurately reported. However, they failed to provide documentation proving that periodic billing statements were delivered in compliance with federal law, specifically 15 U.S.C. 1666b and 1637 ( b ), which require billing statements to be delivered at least 21 days before the payment due date.The company did not provide the original billing statements or proof of delivery showing that the required disclosures were provided before the alleged late payments. Despite this lack of documentation, the account continues to be reported to the credit bureaus, which may constitute inaccurate or unverifiable reporting under the Fair Credit Reporting Act.

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 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: UT

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX around XX/XX/XXXX. The vehicle was financed through Santander Consumer USA. I have been paying an average of {$520.00} per month and just realized a bulk of it goes to interest. This was never explained to me by the XXXX finance manager or the representative at Santander. I have requested for a XXXX percent interest rate from Santander or to be included in Bankruptcy in a few weeks. The rep at Santander indicated that she could not disclose how much interest would be paid over the life of the loan when I called on XX/XX/XXXX. I believe that I was coerced in signing the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
This account is no longer my Account belong to a family member in my family can you please be removed off my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: Atlanticus Services Corporation
State: OH

Complaint narrative:
Attempted to get help with both transactions show below on multiple occasions at this point in time. TRANS DATE POST DATE DESCRIPTION OF TRANSACTION AMOUNT XX/XX/XXXX XX/XX/XXXX SP XXXX XXXX {$420.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$490.00} They refuse to respond to emails after asking for information or call me/answer calls when called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Klarna AB
State: GA

Complaint narrative:
A XXXX flight was purchased XX/XX/year> through the Klarna app. I realized I never received a flight confirmation from XXXX so I called to inquire about the transaction. XXXX stated they never received the funds from Klarna which is why I didnt receive the confirmation. According to Klarna, the purchase was confirmed and the payments started coming out of my checking account. I reached out to Klarna to provide me with the transaction information so I could provide it to XXXX, but they never did. This has been going on for months and they turned the transaction over to debt collection stating I havent made any payments. I have reached out to Klarnas customer service multiple times about this matter as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: ID

Complaint narrative:
I am filing a complaint regarding my mortgage servicer following the transition from XXXX XXXX to Rocket Mortgage. After being redirected from the XXXX XXXX website to Rocket Mortgage due to a forced login migration, I was unable to access my mortgage account. My loan information does not appear in the Rocket Mortgage system, leaving me without access to essential account documents. Most concerning is that I can not retrieve my Form XXXX mortgage interest statement, which I need in order to complete my tax filing. This issue is occurring during tax season, when timely access to this document is critical. I attempted to resolve the issue through customer support but experienced hold times exceeding one hour without reaching a representative. This effectively prevents me from accessing documents that are necessary for meeting federal tax filing requirements. Mortgage servicers have an obligation to provide borrowers with reasonable access to their account information and required tax documentation. A forced platform migration that removes account access without providing reliable customer support creates a significant burden for borrowers. I am requesting that the company restore access to my mortgage account and provide my Form XXXX immediately, as well as ensure that borrowers are not locked out of required financial documents during system transitions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems regarding a collection account reported on my credit report for {$2500.00} under account number XXXX ( JEFFCAPSYS ). I previously requested full validation of this alleged debt and have not received proper documentation verifying the debt or Jefferson Capitals legal authority to collect it. It has now been over XXXX days, and the account continues to be reported. Additionally, I do not recall receiving the required written notice prior to this account being placed on my credit report. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a consumer must receive written notice of the debt and their validation rights within five days of the initial communication. I have also filed complaints with the Federal Trade Commission and my State Attorney General regarding this matter. Under federal law, proper validation of a debt should include documentation showing : The name and address of the original creditor The amount of the alleged debt and an itemized accounting of the balance Documentation showing the debt was legally assigned or transferred to the collector Evidence that the collector has the authority to collect the debt Documentation connecting the alleged debt to the consumer If Jefferson Capital claims that validation was previously mailed, they should provide copies of that documentation and submit it through this CFPB complaint so it is part of the official record. Reporting and attempting to collect a debt without proper verification raises concerns regarding compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy in credit reporting, as well as 15 U.S.C. 1681s-2, which requires furnishers to report accurate information to credit reporting agencies. It may also raise concerns under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692g ), which prohibit misleading representations and require validation of debts. Metro 2 industry reporting standards also require that furnishers provide accurate and verifiable information when reporting accounts to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Self Financial Inc.
State: NC

Complaint narrative:
I would like to open up my XXXX account and continue making the payments. The account is closed, but I would like to open it and finish making my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This complaint concerns Synchrony Banks failure to fully resolve unauthorized recurring charges despite formal written notice under the Fair Credit Billing Act. On XX/XX/XXXX a {$55.00} charge from XXXX XXXX ' posted to my account and was disputed immediately. I was told the dispute was approved and the merchant permanently blocked. Despite this, the same {$55.00} charge continued posting monthly. On XX/XX/XXXX I mailed a formal written dispute with documentation. On XX/XX/XXXX I mailed a formal demand and notice of billing error. In late XX/XX/XXXX Synchrony issued partial credits reversing ten {$55.00} charges and {$750.00} in interest. However eight unauthorized charges remain outstanding totaling {$440.00}. As of XX/XX/XXXX the remaining interest at 26.4 % APR is approximately {$57.00}, bringing the remaining disputed balance to approximately {$490.00}. Additionally, another {$55.00} charge posted during the same billing cycle in which credits were issued, showing the merchant block has not been effectively enforced. On XX/XX/XXXX I also received another request for documentation from Synchrony that did not acknowledge the credits already issued, suggesting poor coordination between their dispute handling offices.

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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
Formal Complaint Statement I have been a responsible Affirm customer for several years and have used the service with multiple merchants, including XXXX, XXXX, XXXX XXXX, and XXXX XXXX. All purchases made through Affirm were paid on time and in full with no late payments or delinquencies. My Affirm account has now been locked, and I am unable to access it. Because my account is locked, I can not review my purchase history or obtain the exact dates and amounts of my prior transactions. I have made multiple attempts to resolve this issue directly with Affirm customer service. During these calls, their representatives have been able to verify my identity without issue. I also complied with their request to submit identification through their secure verification link. My most recent attempt to resolve this matter occurred on XX/XX/XXXX, under case number XXXX. On XX/XX/XXXX, I received an email stating that my account would remain locked because they were unable to verify my identity. This explanation contradicts my experience with their customer service representatives, who have repeatedly confirmed my identity when I call. Additionally, I received a notice indicating that Affirm had detected suspicious activity on my account. However, despite numerous calls and my efforts to provide identification and cooperate with their verification process, I have not been provided with any meaningful explanation or resolution. As a result, I have been locked out of my account without clear justification, without transparency regarding the alleged suspicious activity, and without a reasonable path to resolve the issue. I am requesting that Affirm : Conduct a manual review of my account and identity verification. Restore my access to my account. Provide a clear explanation regarding the alleged suspicious activity and the basis for the account lock. Confirm that my account standing and credit history with Affirm have not been negatively affected. I have made good-faith efforts to resolve this directly with Affirm for months, but the matter remains unresolved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There is a voluntary repossession on my credit file from XX/XX/XXXX. Upon checking my credit report, it was to be removed in XX/XX/XXXX. I submitted a dispute for the information to be removed in XX/XX/XXXX. The account was updated to remain on my credit and now theres no date stating when it should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I had recently received money through Zelle. I received an email saying I have to enroll which I found odd as Ive had Zelle for multiple years already. I go to log in and I receive and email saying my phone number and my email were deleted from my Zelle account and that I am unable to access Zelle. I call XXXX and Zelle customer service representatives and they both tell me I have to contact the consumer finance bureau because it is federal as to why my account was restricted and if I believe I was wrongfully restricted to contact the consumer finance bureau hence why I am contacting the cfpb. I believe I was wrongfully restricted on Zelle when I barely use the service to begin with and have not done anything against the law through Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. A CarMax Auto Finance account ( ending in XXXX ) appears on my credit reports that I did not open, authorize, or use. Despite extensive efforts including a police report, an XX/XX/XXXXdemand letter sent via certified mail, an FTC Identity Theft Report, and multiple prior CFPB complaints CarMax continues to report this fraudulent account and has failed to produce a single document proving I opened or authorized this loan. Documentation submitted to CarMax and the credit reporting agencies includes : FTC Identity Theft Report Police report filed with local law enforcement Government-issued identification Proof of current address Written statements identifying the account as fraudulentXX/XX/XXXXdemand letter sent via certified mail requesting account records under FCRA XXXX XXXX XXXX ) Pursuant to FCRA XXXX ( XXXX ), I requested that CarMax produce the following business records : Original credit application Signed financing agreement Government-issued ID used at account origination IP logs or e-signature verification Proof of vehicle delivery CarMax has failed to respond to the certified attorney letter and has not produced any of the requested documentation. In response to a prior CFPB complaint, CarMax claimed the account was valid based solely on the fact that a phone number associated with me had been used to inquire about refinancing. A phone inquiry does not establish that I opened, signed, or authorized a loan. No signed application, no financing contract, and no origination ID has been produced because I did not open this account. XX/XX/XXXXalso reported the account as " verified '' after contacting CarMax, but no underlying documentation was provided to support that verification. A furnisher 's unsubstantiated assertion is not a reasonable investigation. CarMax 's conduct appears to violate : FCRA XXXX ( XXXX ) failure to provide business records to an identity theft victim upon written request FCRA XXXX ( a ) ( XXXX ) furnishing inaccurate information to consumer reporting agencies FCRA XXXX ( b ) failure to conduct a reasonable investigation of a consumer dispute I am requesting that the CFPB : XXXX. Investigate CarMax 's failure to respond to a certified attorney demand letter and its refusal to produce origination documents XXXX. XXXX CarMax to immediately produce the requested records or cease reporting this account to all consumer reporting agencies XXXX. Assess whether CarMax 's investigation practices satisfy the reasonable investigation standard under the FCRA I have filed a police report, retained an attorney, submitted an FTC report, and filed prior regulatory complaints. CarMax has not produced XXXX document showing I opened this loan. This account is causing direct, ongoing harm to my credit and financial standing.

Company response to consumer: Closed with explanation