vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Loan number Capitol One Auto Finance currently do not have this information because I have been locked out of the account. I am filing this emergency complaint because Capitol One Auto finance has intentionally blocked my access to my account and refuses all communications with me. Complete lockout Capitol Once restricted my online access when I filed bankruptcy in XX/XX/XXXX to stop a non judicial foreclosure of my inherited property. Resulting in extreme financially difficulties to continue the case. At the end of XX/XX/XXXX, the bankruptcy case was dismissed due to procedural defects. However two federal cases are pending which has continued a financial hardship. I have missed two payments, but have made a Good faith attempt to pay something to Capitol One. REFUSAL to communicate -- Capitol One has severed all communication and deny of documentation and is moving to repossession of my XXXX XXXX XXXX XXXX. I do not have the account numbers because I have been locked out of on line information. Attached is documents of Good Faith payments made despite being in a financial hardship. However, I have not received anything in writing to provide accounting information. Bad Faith Tactics by locking me out and refusing to give me actual accounting information, Capitol One is intentionally preventing me from exercising my legal rights to cure defaults or off any possible program to cure. Which is Denying my legal rights to seek loss migration during federal litigation. Since I am litigating two federal cases in Federal court involving fraud and theft of my inherited property, and a defective HECM loan, I am asking for a cease and desist on all repossession activity. I am currently filing an emergency motion for a Temporary Restraining Order ( TRO ) to stop the wrongful repossession while my fraud cases are pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Robinson Economic Development Corporation
State: CA

Complaint narrative:
I am a California resident and earlier this month I took a {$1000.00} loan from XXXX XXXX XXXX, which is unlicensed in my state. The APR is 699.52 %, which is predatory and unconscionable. I have revoked my ACH authorization to prevent an illegal monthly withdrawal of {$550.00}. I have offered to repay the {$1000.00} principal at 0 % interest, but the lender 's contract is void under California law. I am requesting the CFPB to ensure this lender does not attempt unauthorized withdrawals or damage my credit while I seek to repay only the legal principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
I deposited a refund check for a {$2400.00} credit balance owed me from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX On XX/XX/year> XXXX mobile deposited this into my account at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Their system informed me the funds would not be available until XX/XX/XXXX. I scheduled an ACH payment of {$2000.00} to Bank XXXX XXXX, for the XXXX of XXXX, via the bill pay service. On XX/XX/XXXX I attempted to view the status of my account with internet banking. I was locked out and provided a number to call. I called the number indicated and was I formed my account was being reviewed. I then called XXXX XXXX, the person who helped me open the checking account. He informed me that the account was forwarded to their fraud department because the funds were denied, by XXXX 's bank, as unauthorized. I had a lengthy discussion with XXXX trying g to explain this was an actual check sent to me from XXXX XXXX. I was told that I had to wait for the final decision from the fraud department. No actual information was sent as to the reason for the fraud escalation, not the actual reason for their final decision. Because I believed this to be a valid check, and a banking error, I then mobile deposited the check into my account at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The funds appeared to be immediately available. Then next day the same unauthorized check was posted to my account and XXXX from the bank called to i form me of the issue. This did not cause me any problems with this bank. I received notice from US Bank that the {$2000.00} check had actually been sent to XXXX, on the XXXX of XX/XX/year>, causing an interest charge of {$240.00} for my older purchases. I have able to avoid these charges in the past by paying these balances off before I would be charged finance charges. As I was locked out of my account I was unable to delete this electronic payment, they had no right to send this payment since the account was closed by them. They sent me a letter stating I had been reported to the consumer reporting agencies and that in the future I would not longer be able to open bank accounts. I have been fighting with XXXX XXXX, XXXX XXXX administration assistant, in an attempt to get them to do the rightf thing and correct their error through their bank. She informed me that their bank showed the check was cashed and a replacement check would not be sent. I have been working g on this since XX/XX/year>, There has been no satisfactory resolution to this issue. i even requested a letter stating that the check was not fraudulent and that this was bank to bank issue. This has yet to be forthcoming.

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 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX an unauthorized XXXX transaction occurred on my Cash App account. At the time of the transaction, my phone was in my possession and had not been lost or stolen. Prior to this incident, I noticed that the email associated with my Cash App account had been changed without my permission. I immediately changed the email back to my correct email address and I have proof showing that this change occurred. At the time of the unauthorized transaction, I had {$3200.00} in my Cash App savings account because I had just received my income tax refund. Someone used my account to purchase XXXX and then withdrew it without my authorization. I have never used XXXX on Cash App and I did not approve this transaction. I reported this issue to Cash App and filed a dispute as soon as I noticed the unauthorized activity. However, my claim was denied with the explanation that the transaction was authorized by me or someone I allowed to use my credentials. This is incorrect. I did not authorize this transaction and did not give anyone permission to access my account. Given that my email was changed without my permission before the transaction and that the funds were removed through XXXX without my approval, I believe my account was compromised. I am requesting a full reinvestigation of this unauthorized transaction and reimbursement of the {$3200.00} that was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am calling on the CFPB, the FTC, and the State Attorney General to conduct a full investigation into LVNV Funding LLC for repeatedly failing to properly validate alleged debts and continuing to report unverified information on consumer credit reports. The first violation is that I never received any written notice of this alleged debt before it was placed on my credit report, which is required under FDCPA 809 ( a ). I only discovered this account after reviewing my credit report, and after discovering it I requested proper validation of this alleged debt multiple times, yet to this day no proper validation has been provided. It is now XXXX, and consumers understand their rights under federal law. I am aware of what proper validation of a debt requires, and I am also aware that LVNV Funding has been accused numerous times online and in legal actions of failing to provide proper documentation when consumers request validation, often sending only an invoice or account summary which does not qualify as proper validation of a debt. This account is being reported as LVNV Funding LLC ( Original Creditor : XXXX XXXX XXXX ) Account No. XXXX Balance {$1300.00}, yet LVNV Funding has failed to provide the documentation required to legally validate this alleged debt. Proper validation of a debt must include the name and address of the original creditor, a complete itemized accounting of the balance, documentation proving I am legally responsible for the debt, a copy of the original credit agreement or contract, the date of first delinquency, proof the debt was legally assigned or sold to LVNV Funding, and documentation verifying the balance is accurate and collectible. Simply sending an invoice or balance statement does not constitute proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I received a letter from the company on XX/XX/year> with a billing statement as verification of the alleged debt and I asked for competent documentation verifying the accuracy of the information that the company is reporting on my credit report ( contract bearing my signature, documentation linking my social security number, etc ). And a mere copy of a billing statement or account summary does not constitute legal verification that I am contractually liable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am not disputing that I rented from XXXX XXXX XXXX. I am not asserting identity theft or fraud. I am disputing the accuracy, completeness, and substantiation of the {$1000.00} rental debt that XXXX XXXX XXXX is attempting to collect and furnish on behalf of XXXX XXXX XXXX XXXX. I have documentary proof of five cashiers checks paid directly to XXXX XXXX XXXX totaling {$3100.00} : check XXXX for {$1100.00} dated XX/XX/XXXX, check XXXX for {$300.00} dated XX/XX/XXXX, check XXXX for {$170.00} dated XX/XX/XXXX, check XXXX for {$1100.00} dated XX/XX/XXXX, and check XXXX for {$350.00} dated XX/XX/XXXX. Three of the XX/XX/XXXX check numbers match the ledger payment references exactly : XXXX, XXXX, and XXXX. The ledger used to support the debt contains facial arithmetic defects. A balance of {$2800.00} plus a {$300.00} late charge should equal {$3100.00}, but the ledger shows {$3000.00}. Then {$3000.00} minus {$170.00} should equal {$2800.00}, but the ledger shows {$2700.00}. Then {$2700.00} minus {$1100.00} should equal {$1500.00}, but the ledger shows {$1800.00}. These are not minor clerical issues. They are objective running-balance errors that make the accounting unreliable on its face. The ledger also includes charges requiring exact support, including a {$300.00} late charge, {$310.00} XXXX late fees, {$50.00} XXXX late fee, and legal charges of {$38.00} and {$200.00}. The lease may allow certain categories of charges, but that does not prove these specific amounts were correctly calculated, properly applied, and accurately reported. The company must show the exact calculation, date basis, and contractual authority for each charge. The lease also reflects a {$1100.00} security deposit. If any part of the claimed balance depends on move-out charges, damage charges, cleaning charges, offsets, credits, or deposit application, then a full itemized accounting and supporting records should be produced. I also did not receive any initial written validation notice from XXXX XXXX XXXX before first learning of this alleged debt through my credit report. If notice was sent, the company should provide the date sent, address used, and a copy of the actual notice. Because the claimed {$1000.00} balance relies on an internally inconsistent ledger and incomplete substantiation, it is not reasonably verifiable as reported.

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 2026-03-15 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: Avant Holding Company, Inc.
State: MI

Complaint narrative:
I am filing this formal complaint regarding Avants unacceptable handling of my account, the hold placed on my funds, and your repeated failure to allow me to speak with a supervisor. I contacted Avant because I have an emergent financial situation and needed assistance with funds being held on my account. The money has already cleared my bank account, yet Avant continues to withhold access to those funds. I have not been given a satisfactory explanation for why my money is still being held after it has already cleared my financial institution. This has caused unnecessary hardship, stress, and inconvenience. I have also called multiple times requesting to speak with a supervisor and have been denied each time. Most recently, I called again today and was told by XXXX that no supervisor was available, yet again. This repeated refusal to provide escalation is unacceptable. A financial company should not hold a consumers funds while also blocking access to management. I should not have to repeatedly call, explain the same issue, and still receive no resolution, no accountability, and no escalation. This experience has caused me to lose all confidence in Avants customer service and business practices. I am demanding the following immediately : Release of any funds being held on my account. A written explanation for why my funds remain on hold after clearing my bank account. Contact from a supervisor or manager with authority to resolve this issue. Closure of my Avant credit card account. If this matter is not resolved promptly, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau, XXXX XXXX XXXX, and other appropriate regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: YSA ARM LLC DBA Oxygen XL
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. I am requesting validation of this alleged debt. Under my rights as a consumer under the Fair Debt Collection Practices Act, please provide the following information : The name and address of the original creditor The account number associated with the alleged debt The total amount of the alleged debt, including any interest, fees, or additional charges Documentation showing that I am legally obligated to pay this debt Proof that your company has the legal authority to collect this debt Until proper validation is provided, I request that all collection activities regarding this account cease. Please send all requested documentation to my mailing address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My loan was with Navient prior to XXXX and I was never notified nor received any compensation from the lawsuit. Id like to know how I can file a complaint or receive the funds that I should be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
A loan was opened to fraudulently on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
captal on on XXXX told me witch i have chat logs hold payments, wich i did about last mouth in XXXX ky the towe tuck company had be following me block bouth sides street and ponden on glass i had XXXX XXXX baby in car XXXX XXXX XXXX and XXXX add i just was thinking i needed proteck my kids they force me out the car i got kids out i did not understand why car was taken i was told hold payments, that captal one said there was contrack probem, that they trying solve i contacked XXXX after a investgations they addmited they was wrong but i would not get car back to note i found that captal one offten sold cars in privet sailes and then try go back after the person for huge diffrence that most these cars are never auction off in the week i trying work this out but they refuse to give me back the car, police report on file what towe tuck company did was ilealge they cant block a plubic street and walk up on car and threan a person more so when they have kids, i was no nervous so shaken up i wasent thinking my dad told me call the police i did not lissen till day after or so, i did not understand ky laws and laws gov takeing of cars to note if i had been armed this could went down very bad in ky and ohio i can carry gun with out lic in a car, law states car like a home that once i am in it i have the abuilty to proteck it as if it was my home, cpatal one was lucky, to note, also this no diffrent then handing a gun to a person that captal one hired this company and told them how take it, there 3 probems created the ileagle takeing of my car i have all chat logs prove it two captal one will most likely there will come after me in year or two they wont do it right now as proof agest them to high but they will come for the money last probem how car was taken by towe tuck company how i was force out the car given threats flet i had no choice these guys was all most 3 times my sizes, i did file a police report, police stated they would give information to atoneny gen they admit that what they did was ileagle

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding a collection account reported by Voss & Klein LLC on behalf of XXXX XXXX XXXX. In XX/XX/year>, XXXX XXXX installed an air-conditioning system that was defective and repeatedly leaked water. Multiple service visits were made but the issue was never resolved. I later discovered that the model installed ( XXXX ) does not match the model listed in the estimate provided to me ( XXXX ). Because the equipment was defective and not what was agreed upon, I disputed the charge with my bank ( XXXX ). After reviewing the documentation, the bank reversed the {$6100.00} charge in my favor under the Fair Credit Billing Act. Despite this decision, the collection agency Voss & Klein LLC is attempting to collect an alleged balance of {$8700.00} and has reported the account to credit bureaus. I requested validation of the debt, including proof of the contract, proof of correct installation, repair records, and an accounting of the additional fees beyond the original amount. This documentation has not been provided. The collection agency is reporting information that is inaccurate and unverified, which is harming my credit report. I am requesting that the account be fully validated or removed from my credit reports and that all collection activity cease if the debt can not be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I had a Money Network EIP card with leftover money on it. When I attempted to use it, I couldnt. I first tried to withdraw from in network ATMs, it wouldnt allow me I checked the account online, and said the balance was there and usable. I tried to transfer the balance online, it wouldnt allow me. I tried to change the pin, but I still couldnt use the card. So I tried to call multiple times, which they make extremely difficult to access help, and there is no option to speak to a person. So I tried to transfer the balance via phone it said there was an unexpected issue. I finally requested a replacement via phone, and after putting in all of my information the call dropped. I called multiple times, the same thing happened.

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 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
ON XX/XX/year> I WENT TO XXXX TO PAY MY BILL OF XXXX AND TURNED IN THE EQUIPMENT THAT I HAD FOR THIS ACCOUNT AND TOLD THE PERSON BEHIND THE DESK THAT I WAS TERMINATING MY SERVICE.THE PERSON BEHIND THE DESK TOOK THE EQUIPMENT, BUT SAID SHE WAS LEAVING THE SERVICES ON JUST IN CASE I CHANGED MY MINE AND DECIDED TO COME BACK. I TOLD HER THAT I HAD MADE UP MY MINE AND WAS NOT COMING BACK. THE SERVICES STAYED ON FOR SERVERAL MONTHS AFTER THAT AND THIS ACCOUNT SHOWED UP ON MY CREDIT REPORT. I CALLED THEM AND HAD IT REMOVED, AND IT WAS, BUT SOMEHOW CREDENCE RESOURCE MANAGEMENT PICKED UP THE ACCOUNT AND SAID I OWE XXXX DOLLARS ON AN ACCOUUNT THAT I CLOSED IN XXXXXXXX XXXX THIS IS NOT RIGHT AND I NEED THIS REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief