vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XXXXXXXX XXXX XXXX {$2300.00} was taken out of my account ( XXXX XXXX XXXX ). Once I got home that evening from eating at XXXX XXXX XXXX in XXXX IL I had checked my emails and saw there were 2 emails from 5/3 Bank. One stating that information was changed ( address to New Jersey ) and the second being suspicious activity. I called the number provided but it was an automated thing so I decided to go to the bank the next morning to report the fraud transaction that took place. The bank in XXXX was able to update my information and we opened a claim. On XXXX XXXX the amount was deposited into my account and withdrawn again on XX/XX/XXXX! I again went into the branch and we got the claim reopened. I was told they had 30 days to make a decision. That decision was supposed to have been made by today XX/XX/XXXX but there is nothing updated in my account. I made another trip into the bank in XXXX and we also made another claim tying the two cases together. I had made a purchase online on XX/XX/XXXX and was charged XXXX and a XXXX international fee. I never recieved the product and still havent to this day! I sent all of the emails and a police report to the fraud/disputes team as they requested. I feel these people are the ones that hacked my account and drained my account. I have requested information from 5/3 but havent gotten anything in the mail and theres nothing in the documents section of the 5/3 app. The supervisors that I have spoken with XXXX and XXXX were very rude and not helpful in this process at all. I am beyond disgusted with this bank and how poor their fraud department handles their customers! Even the local branch had the experience of listening to how ive been talked to each time by the supervisors on the phone and they were even upset with how the fraud/disputes team customer service was.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Veros Credit, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/year> SUBJECT : DISPUTE AND REQUEST FOR VALIDATION OF TRANSFERRED AUTO LOAN ACCOUNT ACCT XXXX XXXXXXXX TO WHOM IT MAY CONCERN I AM WRITINGTO FORMALLY DISPUTE THE VALIDITY AND ACCURACY OF AN AUTO LOAN ACCOUNT THAT WAS TRANSFERRED TO YOUR INSTIUTION. I WAS NOTIFIED THAT THIS LOAN WAS TRANSFERRED FROM THE ORIGINAL LENDER TO YOUR INSTITUTION HOW EVER I HAVE NOT RECEIVED SUFFICENT DOCUMENTATION VERIFYING THE LEGITIMACY OF THIS TRANSFER OR CONFIRMING THE DETAILS OF THE ACCOUNT UNDER MY RIGHTS PURSUANT TO THE FAIR CREDIT REPORTING ACT ( FCRA ) AND OTHER APPLICABLE CONSUMER PROTECTION LAWS IM REQUESTING THE FOLLOWING 1, WRITTEN VERIFICATION THAT YOUR INSTITUTION IS THE LAWFUL OWNER OR SERVICER OF THIS LOAN 2.DOCUMENTATION SHOWING THE TRANSFER OR ASSIGNMENT OF THE LOAN FROM THE ORIGINAL LENDER TO YOUR INSTITUTION. 3.A COMPLETE PAYMENT HISTORY OF THE ACCOUNT 4.THE ORIGINAL SIGNED LOAN AGREEMENT 5.THE CURRENT BALANCE AND HOW IT WAS CALCULATED. UNTIL THIS MATTER IS FULLY VERIFIED AND VALIDATED, I REQUEST THAT ANY NEGATIVE REPORTING RELATED TO THIS ACCOUNT BE SUSPENDED OR CORRECTED WITH THE CREDIT REPORTING AGENCIES. IF YOUR INSTITUTION CAN NOT PROVIDE THE REQUESTED VERIFICATION I REQUEST THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT FILE. PLEASE RESPOND TO THIS REQUEST WITHIN 30 DAYS OF RECEIPT OF THIS LETTER. THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. SINCERELY XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: CT

Complaint narrative:
Issue : Failure to reissue settlement funds/ Incorrectly reporting check as cashed I am filing this complaint regarding a {$10000.00} settlement check issued to me by Blackhawk Network. The check was mailed directly to my home address. The back of the check clearly states No Third Party Endorsement. On XX/XX/year>, the check was physically deposited at XXXX XXXX XXXX Bank. The bank rejected the check due to the No Third Party Endorsement restriction and did not release any funds. I have obtained a copy of the front and back of the check. The reverse side shows signatures only and does not show a bank of first deposit stamp, clearing stamp, or proof of negotiation. Despite this, Blackhawk representatives have stated that the check has already been cashed and have refused to reissue payment. I have not received any of the {$10000.00} funds. No bank has disbursed funds to me. I am requesting that Blackhawk either : 1. Provide proof that the check was legally negotiated, including : A copy of the negotiated check showing endorsement The bank of first deposit Date of payment Proof of funds disbursement OR 2. Immediately reissue the {$10000.00} payment. At this time, I believe the check was rejected and returned unpaid through the banking system, and Blackhawks records may not have been updated. However, they are refusing to investigate or provide documentation. I am requesting regulatory assistance in resolving this matter and ensuring proper handling of my settlement funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Complaint Against : Mr. Cooper ( Nationstar Mortgage LLC ) I am filing this complaint regarding excessive delay by my mortgage servicer, Mr. Cooper ( Nationstar Mortgage LLC ), in releasing original loan collateral required to complete a XXXX transaction. A XXXX was requested in XX/XX/2025. Since that time, the servicer has repeatedly stated that it is waiting on collateral from the custodian and can not provide an estimated timeline. In XX/XX/2025, we were informed that collateral retrieval typically takes XXXX days. It has now been more than five months. Despite repeated follow-ups, the servicer has : Failed to produce the original collateral file. Failed to provide a specific explanation for the delay. Failed to provide a projected release date. Refused to provide direct custodian contact information. Not offered any alternative resolution or expedited retrieval. Because the servicer did not release the collateral within the expected timeframe, our 90-day rate lock on our new mortgage expired. As a result, we lost our locked interest rate and have suffered financial harm. This delay was entirely outside of our control and attributable solely to the servicers inability to retrieve its own collateral. We are requesting : 1. Immediate executive-level escalation to locate and release the collateral. 2. A written explanation detailing the exact location of the collateral, the date it was requested from the custodian, and the reason retrieval has exceeded 150 days. 3. A firm timeline for release. 4. Review of compensation or remediation related to financial harm caused by the expired rate lock. The expiration of our 90-day rate lock has resulted in a materially higher current market rate. This increase represents significant long-term financial harm caused directly by the servicers failure to timely produce collateral. This matter has been pending since XX/XX/2025 and far exceeds the originally represented XXXX day timeframe. The ongoing delay has prevented completion of our refinance transaction and has caused measurable financial loss. We are requesting urgent regulatory review and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I am filing this complaint regarding deceptive and harmful student loan servicing practices that occurred while my loans were serviced by XXXX. My loans have since been transferred to Aidvantage, which is now my current loan servicer. During the period in which XXXX serviced my loans, I repeatedly sought guidance regarding affordable repayment options due to financial hardship. However, XXXX representatives failed to properly inform me about income-driven repayment ( IDR ) plans that could have made my payments manageable and placed me on a path toward loan forgiveness. Instead, I was consistently advised to enter forbearance or deferment, even when I expressed concerns about my ability to afford payments. These repeated forbearances caused interest to capitalize onto my principal balance, significantly increasing my overall loan balance beyond the amount I originally borrowed. I have since learned that XXXX has been the subject of lawsuits and enforcement actions brought by multiple states and the Consumer Financial Protection Bureau ( CFPB ) for systematically steering borrowers into costly forbearances rather than informing them of affordable repayment plans. My experience reflects the same pattern of misconduct described in these cases. Additionally, there have been instances where my loan payment status was incorrectly reported to credit reporting agencies, which negatively impacted my credit score and financial standing. Although my loans are now serviced by Aidvantage, the financial harm caused during the time XXXX serviced my loans continues to affect my account balance and credit profile today. As a result of these servicing failures, I have experienced : Significant and unnecessary loan balance growth due to capitalized interest Damage to my credit profile Financial hardship caused by misleading repayment guidance Emotional distress resulting from the burden of this inflated debt Supporting Evidence My experience closely reflects the misconduct described in enforcement actions brought by multiple state attorneys general and the Consumer Financial Protection Bureau against XXXX. During the time XXXX serviced my loans, I repeatedly contacted the company seeking affordable repayment options but was steered into repeated forbearances instead of being properly informed about income-driven repayment plans. These repeated forbearances resulted in the capitalization of interest and caused my loan balance to grow significantly beyond the amount I originally borrowed. The guidance provided by XXXX directly influenced my repayment decisions and caused long-term financial harm, including an inflated loan balance and damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a XXXX XXXX credit card online in early XX/XX/XXXX. I uploaded and provided all information requested. Social Security number, income, expenses, ID, utility bill. Capital One forwarded a credit card to me and my wife. I then received a letter dated XX/XX/XXXX requesting that I mail a copy of my government issued ID because the one I uploaded wasnt useful. I mailed the information the next day. I then proceeded to use the credit card and then paid for two months of charges on the card via autopay through my checking account. I paid each statement in full for a total of {$12000.00} for the two months statements. I then received a suspicious activity text from Capital One on XX/XX/XXXX, where it was indicated that they had already restricted my credit card and any transactions in my account including the XXXX points accumulated. When I called, Capital One indicated that they wasnt suspicious activity. That Capital One now needed more information in order to re-open my account. They wanted three bank statements, a utility bill, and a Govt issued ID. I explained that I had already provided most of the information with my application and asked why they issued a credit card to me if they had not checked my credit score and other information provided. They then started reading from their scripted statements and said they had to have this new information or would close the account. I said I wanted a refund for the {$390.00} membership fees and I wanted to use the XXXX points ( valued at {$2500.00} per their web site ) I had accumulated before they realized they lost my information. I also asked for the information previously submitted and they indicated that they had somehow lost it. I then indicated that I was reluctant to send any new information to a company that issued me a credit card and then admitted to losing my information. I have no mortgage, my retirement income comes from various plans I have from 55 years of hard work. My bank statements wouldnt reveal any of that. I dont want to give this company my private information again. I need your assistance in recovering my membership fees and my earned points. Capital One has breached their contract with me because they cant manage their application process of my information. They also arent considering my payments in full each month as proof of my ability to meet my credit card obligations. I want to recover my membership fees and utilize my accumulated points. I have paid my statements and should be a member in good standing. I feel that these business practices are unfair and uncalled for. I met my obligations, Capital One did not meet theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank decided to just close my credit card because I haven't used it in a long time. In any other case they send you a letter requesting for you to use the card so they can keep it active, but they failed to do that and just informed me that they decided to close my credit card account. This is a massive negative hit negatively to my credit score and was completely avoidable. They are nothing but unreasonable bullies and need to be taught a lesson. My attorney will be contacting them as well for said damages to my credit.

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I HAVE REACHED OUT TO AL 3 CREDIT BUREAUS AND FILED DISPUTES WITH EACH ONE. RESULTS KEEP COMING BACK STATING EITHER ACCOUNT IS CORRECT OR THEY HAVE ASKED CRA TO CORRECT CREDIT REPORT. I ALSO RECEIVED DEBIT CARD IN THE MAIL AND RECEIVED EMAIL THAT I NEED TO ACTIVATE THE CARD. MY ACCOUNT IS CLOSED. ALSO I SENT A LETTER OFFERING ME CAR INSURANCE???? I DO NOT DRIVE. I ATTEMPTED TO FILE DISPUTE ON CAPITAL ONE 'S WEBSITE BUT THEY'VE LOCKED THE ACCOUNT STATING TOO MANY INVALID ATTEMPTS. THIS WAS MY FIRST TIME IN MONTHS ATTEMPTING TO LOG INTO THE WEBSITE. I'VE ALSO REACHED OUT TO THE CEO AND THE XXXX TEAM BUT TO NO AVAIL. UNACCEPTABLE CUSTOMER SERVICE. I'VE REACHED OUT TO EVERYONE I COULD SO I JUST KEEP FILING DISPUTES MY TELEPHONE NUMBER IS INCORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: NY

Complaint narrative:
I am filing a complaint against Conduent/Way2Go regarding unauthorized electronic fund transfers totaling approximately {$4700.00} from my government-issued prepaid card. The fraudulent transactions occurred between XXXX and XX/XX/year> and were primarily online XXXX-related charges in states where I have never been.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint Against XXXX Improper Judgment, Lack of Service, FDCPA Violations I am filing this complaint against XXXX regarding a judgment entered against me in 2014 that I only recently discovered while applying for a mortgage. I was never served with any summons or complaint related to this alleged debt. I did not receive personal service, substitute service, certified mail, or any lawful notice of a lawsuit. Because I was never served, I was denied my constitutional right to due process and the opportunity to appear in court and dispute the claim. I also never received the written validation notice required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. XXXX failed to provide : The name and address of the original creditor The amount of the debt with itemization Any account number associated with the debt Notice of my 30-day right to dispute If XXXX obtained XXXX judgment without proper service, this raises serious concerns under 15 U.S.C. 1692e ( false, deceptive, or misleading representations ) and 1692f ( unfair or unconscionable means to collect a debt ). Without my knowledge, XXXX obtained a judgment in 2014 and placed a lien on my home. I only discovered this while seeking mortgage financing, which has now caused financial harm. I am formally disputing the debt and demanding that XXXX : XXXX. Provide documented proof of lawful service of process from 2014 2. Provide full debt validation as required by 15 U.S.C. 1692g 3. Remove the lien immediately if proper service can not be proven 4. Correct any related credit reporting If they can not provide proof of lawful service and proper validation, this judgment should be vacated and the lien released immediately. I request CFPB assistance in ensuring this matter is investigated and corrected.

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 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I disputed the LVNV Funding LLC collection account and requested verification of both of my account records and proof of ownership back in 2025. The account was marked as verified, but I have not received documentation proving the accuracy of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sklar Law LLC
State: NJ

Complaint narrative:
A law firm called Skylar Law in XXXX XXXX acting as a debt collection company is garnishing my paycheck for a XXXX year old debt for an apartment I left with a balance. The XXXX XXXX apartment community is no longer in business, I never received any documentation regarding an attempt to collect this debt nor does it reflect on my credit report. There has never been any attempt before now over the past XXXX years to collect from any of my other jobs I have worked for numerous years before now. And moreover, this debt by law in XXXX XXXX is has exceeded the time limit to collect by more than XXXX years. I would like resolve in the matter in a counter law suite if possible but at the very least a fine for their tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation