vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
I am pursuing Public Service Loan Forgiveness ( XX/XX/XXXX ) and currently have XXXX qualifying payment months credited out of XXXX required. MyXX/XX/XXXXpayment tracker on StudentAid.gov is missing XX/XX/XXXXmonths that do not appear at all not even as ineligible payments. The missing months are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was employed full-time at a qualifying public service employer during all of these periods and have certified those employment periods. All of these missing months occurred on pre-consolidation loans and should have been credited toward my XXXX qualifying payment count under the XX/XX/XXXXtime XXXX Account Adjustment. I filed a reconsideration request with XXXX XXXX XXXX, which was denied ( Case XXXX ) without explanation. I also contacted my servicer EdFinancial and received no resolution or documentation explaining why these months are absent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding a credit account fraudulently opened in my name with Upgrade. I did not authorize or open this account. I only became aware of its existence when it appeared as a delinquent account on my credit report. Upon discovering this, I immediately contacted Upgrade to resolve the issue. During the call, I was informed that the account could be deleted from my credit report if I paid the balance in full, despite it being opened without my permission. Acting in good faith, I paid the account off as requested and was assured that it would be removed. Despite fulfilling my part of this agreement, the account remains on my credit report, and no deletion has occurred. This continuing inaction is both unfair and damaging to my credit history. I am requesting immediate correction of this matter by deleting the fraudulent Upgrade account from all credit reporting agencies. Please provide written confirmation once the deletion is processed. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
I disputed this account with the credit bureau regarding a {$3300.00} collection reported by National Credit Systems. The account was verified without providing any documentation. I requested validation including a full payment history, itemized balance breakdown, and proof of authority to collect, including any signed agreement. This information was not provided. The account is being reported with incomplete and inaccurate information. I am requesting a proper investigation and removal if the debt can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I am filing this complaint regarding my auto loan with Honda Financial Services. On XX/XX/year>, I sent a formal written request via certified mail requesting validation of my account and a complete payment history. Tracking confirms that Honda Financial Services received this letter on XX/XX/year>. To date, I have not received any response. Despite my repeated requests, Honda Financial Services has refused to provide : * A complete payment history * A breakdown of the remaining balance they claim I owe ( approximately {$7700.00} ) as of XX/XX/year> * Any documentation explaining how this balance was calculated I am not refusing to pay any legitimate debt. However, I am unable to verify the accuracy of the amount being demanded without proper documentation. Additionally, this account stopped reporting on my credit report approximately two years into the loan, and no explanation has been provided for this. Honda Financial Services has informed me that my loan has reached its maturity date and is now demanding the full balance. At the same time, they are threatening repossession of my vehicle if the balance is not paid in full. However, they are refusing to provide any documentation supporting the amount they claim is owed. I have made multiple attempts to resolve this matter directly with Honda Financial Services, but I continue to be denied basic account information. I am requesting that Honda Financial Services : 1. Provide a complete payment history from the beginning of the loan to present 2. Provide a full breakdown of the remaining balance, including principal, interest, and any fees 3. Clarify the current status of the account 4. Explain why the account stopped being reported to the credit bureaus I am also requesting that all collection activity, including repossession efforts, be paused until this matter is properly investigated and the balance is validated. This situation has caused significant stress, as I am being threatened with repossession while being denied the information necessary to verify the debt. I am seeking a fair resolution and full transparency regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am submitting this complaint about Cash Apps handling of a dispute for a {$1200.00} transaction made on XX/XX/XXXX to XXXX for a photo booth product. The item was delivered on XX/XX/XXXX, but it was incomplete and missing required components, making it not as described and unusable as intended. I reported the issue to the merchant and later requested a return. I filed a dispute with Cash App on XX/XX/XXXX. Since then, I have repeatedly contacted Cash App for updates and clarification. I requested the status of the dispute, whether the merchant had responded, whether any additional information was needed from me, and how my claim was being categorized. Cash App did not provide a meaningful status update or resolution. Cash App later confirmed in writing that my dispute was being investigated under the Goods or Services Not Received category, even though the product was in fact delivered but missing parts. This is the wrong category. My dispute should be reviewed as an item that was delivered but not as described. The merchant acknowledged missing parts and attempted to send replacements, but also refused to cover return shipping despite its written policy stating that shipping would be covered for faulty items. Cash App has still not resolved the dispute or corrected the claim category. More than XXXX days have passed, and I have received inconsistent and unclear responses from support. I am asking for Cash App to properly review this dispute under the correct category of item not as described, provide a timely final decision, and explain why this matter has remained unresolved for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: TX

Complaint narrative:
This complaint is in regards to a letter I sent to Discover dated XX/XX/XXXX. I thought I had already sent this complaint to the CFPB but my files did not show that I did. So, if this complaint is redundant, please accept my apologies. My bad situation of credit card fraud has been very time consuming and, at times, somewhat complicated and confusing in addition to Discover being extremely difficult to deal with. Regardless of these factors, this complaint is included in a copy of the letter with its XXXX Enclosures that I sent to Discover dated XX/XX/XXXX, and references : My Account Number Ending in XXXX ; My Responses to the Discover Letter dated XX/XX/XXXX ; and, Additional Information to be included with CFPB Complaint XXXX : XXXX ; XXXX ; and, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: NC

Complaint narrative:
I have the following account on my credit bureau accounts with XXXX XXXX XXXX XXXX XXXX Global Lending Services-XXXX # XXXX This account is listed on my reports as either " involuntary repossession, '' or " repossession. '' This account was a voluntary repossession due to a failed engine that was reported to the lender. Communication was made aware frequently with this lender via phone,, and a certified letter was also sent to the lender regarding the status and full verication of this account. There has no response to the misleading and inaccurate information on this account regarding the inaccurate reporting of this account .. A full verification of my account.I am requesting that it be deleted from my credit files. it has previously been reported to the credit bureaus and remains misreported under the Fair Credit Reporting Act. Details of repossession were requested : whether it was voluntary or involuntary, as well as proof of notice of right to cure ( Pre-Repossession Notice ) : Proof was requested that the lender gave me a chance to bring the account current due to the failed engine and falty features of this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: VA

Complaint narrative:
Capio Partners ( also operating as XXXX XXXX and XXXX XXXX XXXX ) continues to contact me regarding an alleged debt that I believe is invalid. This matter stems from an emergency room visit for my son at XXXX XXXX Hospital on XX/XX/XXXX. I received a bill from the hospital dated XX/XX/XXXX, which I paid in full online on XX/XX/XXXX. Subsequently, my insurance company received a XX/XX/XXXX bill on XX/XX/XXXX, from XXXX XXXX XXXX XXXX. I later received this bill on XX/XX/XXXX, for the amount that is now being claimed as the alleged debt. I made XXXX separate phone requests to XXXXXX/XX/XXXX and XXXX XXXX Hospital seeking clarification about this XX/XX/XXXXbill, specifically how it differed from the original bill I had already paid. I did not receive any meaningful responseonly repeated statements of the amount allegedly owed. Instead of providing clarification, XXXX XXXX XXXX XXXX sold the alleged debt to XXXX XXXX XXXX. I then requested an itemized bill from XXXX XXXX XXXX multiple times to verify the validity of the debt. The only validation I have received is a generic line-item description identical to what I previously received, with no explanation of the services rendered or how they differ from the original, already-paid bill. After I formally disputed the debt with XXXX XXXX XXXX ( operating as Capio Partners LLC ), they failed to respond to my validation requests. Instead, I was contacted again regarding the same alleged debt under a different name, XXXX XXXX. XXXX XXXX XXXX and its associated entities have repeatedly ignored my requests for proper debt validation and continue to contact me about this matter. I consider this conduct to be harassment. I request that they either : ( XXXX ) Provide proper verification of the debt, including a detailed, itemized bill explaining the charges and how they differ from the bill I already paid, or ( XXXX ) Cease all collection efforts and stop contacting me regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> I visited a Truist Bank branch located at XXXXXX/XX/XXXXXXXX XXXX in Washington DC to deposit a check that had been properly signed over to me by my husband. I have successfully completed this same type of transaction multiple times at this same branch in the past without any issues. During this visit, the employee refused to process my transaction. No explanation was provided, and the employee did not review my account at all. Another employe who had previously assisted me with the same transaction was present but did not help, and it appeared she was instructed not to proceed. As a result, I was forced to leave the branch, and I went to another Truist Branch location the same day. At the second location, my transaction was completed without any issue. This inconsistent treatment, lack of explanation, and refusal to even review my account caused me stress, inconvenience, and concern as a long-time customer. I am particularly troubled that I was denied a routine service that I have completed multiple times before, without any justification. Regards, XXXX 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 2026-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Affidavit of Truth Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : - Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; - Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Experian is in violation of 15 USC 1681 ( A ) ( 2 ) ( B ). Furthermore, under investigative consumer reports : When a consumer report creates an investigative consumer report theyre not supposed to include factual information and theyre also supposed to interview your neighbors, friends, or associates. If any information from the investigation resulted as factual, it has to be excluded from the consumer report. Additionally within exclusions : Any specific extension of credit, or authorization from a credit card or similar device must be excluded. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do require subrogation of the bond to settle the charge.

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 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/2026, I received a notification via usaa app asking of if I'm the one requested card replacement for my checking and saving accs. I didn't so I clicked no. next thing I know, my checking and savings both got restricted status. talked to representatives via chat and the phone, both stating my accounts closed, no explanation why, and that I can not access my funds currently and if they deem necessary they will send me any remaining funds as a check in a month or so. they won't let me open another checking account cos they decided they don't want to do business with me after 20 years, and they won't let me transfer my funds to another bank. I was given no prior warning my accs would get closed so I could make arrangements, nor an explanation why did this happen. now it's the begining of the month, I have literally no money I can use to pay bills, buy groceries or gas, as I can not access my funds. thanks usaa.

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 2026-04-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ME

Complaint narrative:
I am filing a complaint regarding my private student loans, originally serviced by XXXX and later transferred to MOHELA. These loans were originated between XXXX and XXXX, with an original balance of approximately {$55000.00}. Over the past 15 years, I have made consistent payments totaling over {$40000.00}. Despite this, my current balance remains approximately {$53000.00}, which raises serious concerns about how my payments have been applied and how interest has accrued over time. Throughout the life of these loans, I was enrolled in various repayment and rate reduction programs offered by the servicer. These programs were presented to me as beneficial options that would lower my interest rate and help me manage and ultimately reduce my debt. However, I now believe these programs may have been misrepresented or inadequately explained. Specifically : I was not clearly informed how these programs would affect the long-term cost of my loan It appears that a significant portion of my payments went toward interest rather than principal The structure of these programs may have prolonged repayment and prevented meaningful reduction of the loan balance I was not provided with transparent amortization details or projections showing the long-term impact of enrolling in these programs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TN

Complaint narrative:
This company is breaking the law by failing to provide the proper validation detail as required under 12CFR 1006.34 ( b ) ( 5 ). Despite this, theyve added a collection to your credit report.

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 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Subject : Complaint Regarding Misleading Targeted Promotion Venmo Credit Card ( Issued by Synchrony Bank ) Dear Sir or Madam, I am writing to file a complaint regarding a targeted promotional offer for the Venmo Credit Card, which is issued by Synchrony Bank, that was not honored. I received a promotional email stating that I had been selected for a triple cash back offer ( up to 9 % ). Based on this representation, I applied for and was approved for the Venmo Credit Card using the same Venmo account and phone number associated with the offer. I also applied directly through the provided link in the promotional email. However, after using the card for eligible purchases ( including grocery transactions ), my account only reflects the standard rewards rate ( 3 % ), and the promotional offer has not been applied. Given that : I was explicitly targeted and informed that I had been selected for this promotion, I used the same Venmo account tied to the offer, and I applied directly through the official promotional link, this discrepancy appears to stem from a breakdown between the marketing representation ( via Venmo/PayPal ) and the rewards implementation under Synchrony Bank . This lack of alignment is not transparent to consumers. The promotion directly influenced my decision to apply for the card, and the failure to honor it has resulted in financial harm. A reasonable consumer would expect that a targeted and explicit promotional offer would be applied as presented. This raises concerns regarding potentially misleading marketing practices in connection with a consumer financial product. I have supporting documentation, including screenshots of the targeted offer. Requested Resolution : Honor the advertised promotional offer ( triple cash back up to 9 % ), or Provide appropriate remediation for the discrepancy Thank you for your attention to this matter. I look forward to your response and resolution. Sincerely, 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 monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Apply for a business credit card was approved couple days later they froze flag for my accounts, including the new business credit card that I was approved for said its some fraud stuff asked for me to upload some bank statements did that they wasnt satisfied with the XXXX XXXX statements so they asked me again as soon some more did that again

Company response to consumer: Closed with non-monetary relief