vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have an overdraft issue on my account. A company was able to overdraft my account even though I spoke with someone at CHIME and they told me that no one was going to be able to overdraft the card again. Not even a hour later after paying the first overdraft fee that I didnt even make another company was able to overdraft my card again! When I called chime to speak with a supervisor they would not transfer me over and the hung up on me. I recorded all conversations as proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
A XXXX  XXXX education benefits were deposited into my Truist account prior to closure for suspected fraud. 
The funds were not returned to the VA or Treasury. 
The VA traced the payment and attempted to contact Truist with no response. 
Truist is withholding federally protected benefit funds. 
I am requesting immediate release of funds or remittance to Treasury

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
FCO is falsely reporting on my credit. I have never had any accounts with them. Per my research FCO 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 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: 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint regarding PayPals handling of a disputed credit card transaction involving contractor fraud and an illegal service in California. 

On XX/XX/year>, I paid a contractor, XXXX XXXX ( doing business as XXXX XXXX XXXXXXXX ), a payment of {$4600.00} USD through PayPal, funded by my credit card, for drywall and related construction work at my property in California. The contractor represented that he was properly licensed and bonded and provided a license/bond number to induce payment. 

After work began, I discovered multiple serious issues : - The license/bond number provided by the contractor could not be verified through the California Contractors State License Board .

- The contractor was not licensed to perform contracting work in California.

- The contractor failed to meet promised completion dates that were used to secure the job. 
- The workmanship was defective and incomplete, requiring remediation by a licensed contractor.

Upon discovering the misrepresentation and defective work, I stopped the project and requested a refund. The contractor refused.

I filed a dispute with PayPal, providing evidence of the unverifiable license/bond number, defective workmanship, missed completion deadlines, and the fact that the contractor was not legally authorized to perform or collect payment for contracting services in California. 

PayPal denied my claim on the basis that the item was materially similar to the sellers description. This decision incorrectly treated the dispute as a product quality issue rather than a case of fraud and illegal service. Under California Business & Professions Code 7031, unlicensed contractors may not legally perform contracting work or retain payment, and contracts entered into through misrepresentation are void. 

PayPal facilitated and upheld payment for an illegal transaction and failed to properly evaluate the dispute under fraud, misrepresentation, or services not rendered categories, despite the evidence submitted. 

I am requesting that PayPal be required to properly review this transaction as a fraudulent and illegal service, rather than as a product dispute, and to reverse the charge accordingly.

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 — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Braviant Holdings, LLC
State: FL

Complaint narrative:
I have requested that they correct my report ; my debt is fully paid, and they refuse to correct my credit rating I have requested that they correct my report ; my debt is fully paid, and they refuse to correct my credit rating. I made the payment as part of a full settlement agreement, after months of trying to reach a resolution with them. I've written to them and called them, but they won't provide a solution

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: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My phone was stolen and the thief made unauthorized transactions on my XXXX  account to himself. I have never met this person or sent money to him before. I reported the issue to XXXX, then froze my bank account and filed a police report. My bank correctly refused the payment due to fraud. XXXX  is demanding reimbursement for fraudulent charges and froze my account. They have harassed me with phone calls as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 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: SERVICEMAC, LLC
State: CA

Complaint narrative:
I am filing this complaint against ServiceMac , LLC for mortgage servicing violations involving failure to properly recognize and treat a confirmed successor in interest, improper correspondence, and improper conditioning of loss mitigation. 

I am a confirmed successor in interest on this mortgage loan. ServiceMac received and accepted my signed and notarized XXXX in XXXX XXXX XXXX, along with the borrowers death certificate and all required identifying documentation. These documents have been confirmed by ServiceMac as received and archived in their system. 

From the beginning of the loss mitigation process, I disclosed that the hardship was temporary. I rent individual rooms within the home only, not the entire residence, and I retain ownership, possession, and intent to occupy the property as my primary residence. I have been temporarily residing off-site due to my recent marriage, with a clear intent to return and re-occupy the property in XX/XX/XXXX. The electric utility account for the property remains in my name. 

Prior to XX/XX/XXXX, ServiceMac issued correspondence addressed to both myself and the deceased borrower. After ServiceMac received my marriage certificate reflecting my legal name change in XX/XX/XXXX, ServiceMac removed my name from correspondence and began issuing servicing and loss mitigation communications exclusively in the name of the deceased borrower, despite documented knowledge of his death and my successor-in-interest status. 

ServiceMac issued an Underwriters Notice of Incomplete Application for Loss Mitigation dated XX/XX/XXXX, addressed solely to the deceased borrower. That notice improperly conditioned further review on reclassifying the property as non-owner occupied and submission of a loan assumption package. A confirmed successor in interest can not be required to assume the loan as a condition of servicing or loss mitigation review, and the property remains owner-occupied. 

ServiceMac has also issued emails claiming required documents were missing, despite its own XXXX XXXX reflecting that all requirements were submitted and marked complete. This misrepresents the status of my application and interferes with loss mitigation. 

These actions constitute violations of RESPA and Regulation X, including failure to treat a confirmed successor in interest as a borrower for servicing purposes and improper handling of required notices.

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Carvana Group, LLC
State: MD

Complaint narrative:
The company Carvana debited my account for {$5900.00} on XX/XX/year>XXXX  and now is having a problem with sending me money back. They asked for additional monies to payoff my trade and I cancelled the deal. XXXX their advocate said I should see the money return to my account immediately. XXXX, online advocate advised I won't see my money for 10 to 15 days. This stops me from shopping for a vehicle with a down payment by the due date of my approval by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AL

Complaint narrative:
I received borrow Defense discharged for my federal student loans. I was told to request a misconduct application from Mohela and/or XXXX. I have asked a few different times and keep getting denied the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Don't have date. The amount is {$760.00} to XXXX XXXX XXXX XXXX. I called the collection agency Credence Resource Management , LLC and they want me to report it .. They send me the creditor name and creditor account number, ID number and the balance. Now I know, that the collection agency is from XXXX, Texas. Never been to Texas?

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: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
CashApp illegally retaliated against me for filing a CFPB complaint against them. I needed a new card because mine was damaged, although it was still working. CashApp 's app is broken and says my house address in not valid. I have used the same address to receive my card before and it is set as my address on my account. When I asked for support they refused to provide support which I have call recordings and chats recorded that prove their refusal to provide customer service. When I filed a CFPB complaint for the committing fraud and consumer rights violations, CashApp then retaliated against me by changing limits on my account and canceling my current card. Retaliation is against the law just like the fraud and consumer rights violations CashApp committed prior. CashApp tends to say they don't consent to being recorded now, but Texas is a one party consent state for wire tapping and so all the call recordings are admissible for investigations and in court.

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: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Wage Garnishment form a credit that i did not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I purchased my vehicle 2022. I had to use Ally Bank for financing. My payment per month is {$690.00} per month, I pay {$800.00} per month. There is a {$100.00} overage per month, which I requested to be applied to the principal only. That goal was not accomplished. I did a spot check on my account XXXX XXXX at XXXX XXXX  I called Ally and spoke with XXXX, she tried to explain this my request could not be honored. So I asked to speak to a manager and the call somehow got disconnected. I called back and spoke with XXXX a XXXX and requested a manager. After being on hold for close to an hour, I ended up speaking with XXXX a account XXXX. XXXX assured me she would fix the issue and would and guaranteed I would receive a call from her the next day XXXX XXXX. She even gave me a case number XXXX. Today is XXXX XXXX at XXXX. I'm on XXXX and I need help to have this corrected.

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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Debt Validation Request Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide the following documentation : XXXX. The total amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges. 
XXXX. The name and address of the original creditor. 
XXXX. A copy of the original signed contract or agreement bearing my signature. 
XXXX. Proof that LVNV Funding LLC has the legal right to collect this debt, including documentation of assignment or ownership. 
XXXX. Verification that this debt is within the applicable statute of limitations.

Until such validation is provided, I dispute the validity of this debt and request that all collection activity cease. Please be advised that reporting this debt to any consumer reporting agency without proper validation may constitute a violation of federal law.

This letter is not an acknowledgment of liability nor a promise to pay. It is a request for verification only. 

Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
RADIUS GLOBAL SOLUTION is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS GLOBAL SOLUTION 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 XXXX - XXXX of investigation consumer report ; you are in violation.

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Subject : CFPB Complaint Materially Misleading Credit Reporting by Ally Financial I am submitting this complaint regarding the continued credit reporting practices of Ally Financial related to a XXXX XXXX XXXX. 

To be clear, I am not disputing that a voluntary repossession occurred, nor am I disputing that the account currently reflects a {$0.00} balance. Those facts appear to be technically accurate. My complaint concerns the * * materially misleading nature of the reporting due to critical omissions * *, which misrepresent the true circumstances of the repossession and the ultimate resolution of the account. 

The vehicle was surrendered in XXXX after suffering a catastrophic engine failure associated with the well-documented XXXX engine XXXX litigation, including * In re XXXX and XXXX Engine XXXX * XXXX No XXXX XXXX, and * XXXX v. XXXX XXXX XXXX XXXX XXXX al. *, No. XXXX ( C.D. XXXX. ). XXXX refused to replace the defective engine, rendering the vehicle inoperable and unaffordable to repair. This defect-related failure directly precipitated the surrender of the vehicle and the resulting default. 

Several months after the repossession, Ally Financial unexpectedly satisfied the remaining balance on the loan. I have obtained a post-sale document from Ally Financial confirming that the balance is {$0.00} and that no amount is owed. Ally therefore has no remaining financial interest in the account. 

Despite this, Ally Financial continues to report the tradeline simply as a voluntary repossession with a {$0.00} balance, without any reference to the defect-driven loss of vehicle operability, the creditors post-sale payoff, or the unusual circumstances surrounding the default. While technically accurate in isolation, this reporting is materially misleading, as it conveys to future creditors that the consumer voluntarily surrendered a functioning vehicle and defaulted for ordinary credit reasons, which is not the case. 

A prior dispute was submitted through the credit bureaus, and Ally Financial responded with a generic verified as accurate determination. That verification failed to address the completeness of the reporting or the omission of material facts that substantially alter the interpretation of credit risk. 

I am requesting that the CFPB require Ally Financial to conduct a * * meaningful investigation into the accuracy and completeness of this tradeline * *, and to either : * Correct the reporting to accurately reflect the post-sale payoff and defect-related circumstances, or * Remove the tradeline if it can not be reported in a manner that is complete and not materially misleading. 

Documentation confirming the {$0.00} post-sale balance is attached. 

Thank you for your assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: AE

Complaint narrative:
I am submitting a formal complaint regarding Freedom XXXX  handling of a VA loan assumption for my property in Washington XXXX. 
XXXX XXXX XXXX XXXX wa XXXX The assumption process began approximately XXXX months ago. All required documentation was submitted, yet the process has been repeatedly delayed due to poor communication, shifting requirements, and Freedom XXXX  failure to release necessary closing documents. We have postponed the closing multiple times solely due to delays on the lenders side. 

Despite being told that all requirements were complete and instructed to make the XXXX mortgage payment to proceed to closing, Freedom Mortgage later refused to release the closing documents, citing title issues that the title company had already addressed and clearly communicated from the beginning. Since then, it has become nearly impossible to obtain clear answers or reach management for resolution. 

These delays have caused financial and contractual harm and demonstrate a lack of accountability and transparency in the servicing of a VA loan assumption. 

I am requesting assistance, oversight, and intervention to ensure this matter is handled promptly and in compliance with applicable regulations. 

Thank you for your time and attention.

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