vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I opened my credit account with XXXX on XX/XX/XXXX, and I generally had no issues until, XX/XX/XXXX, when I enrolled and was immediately charged {$99.00} with XXXX a self-described credit building subscription service, as I monitored the subscription at the end of the month, I noticed that the services as advertised were not applied accordingly. I did contact XXXX to dispute these charges. As a result of my dispute and even though I send documentation that substantiated my account. In my opinion XXXX categorized me as a high-risk customer and as such closed my account. 

When XXXX closed my account they soon after began mandating a {$100.00} minimum payment on my account without my consent or agreement to any type of new payment plan. Even if I was offered such terms, it would have made it difficult and close to impossible to meet such a high unreasonable minimum payment. As a result in XX/XX/XXXX, I was reported as 30 days late, in XXXX XXXX 60 days late and XXXX  90 days late and XXXX  90 days late and XXXX XXXX 30 days late. My payment history was on time every month from XX/XX/XXXX until XX/XX/XXXX. When XXXX increased the minimum payment it made it very difficult. 

In fact, my last statement had a {$100.00} balance, and the minimum was {$100.00} and given that it is a revolving debt it is very disturbing that a financial institution can manipulate and abuse a consumer in this manner. As a XXXX veteran with a fixed and limited income, I am among the low-income Americans that disproportionally and historically has been burdened with the costs and exploitation. Consequently, my credit score has suffered a devasting reduction in rating and score and has hindered my ability from everything from refinancing my vehicle to renting an apartment. 

I have never experienced anything similar to this situation when at one point with the XX/XX/XXXX statement there was a balance of {$1500.00} and a minimum payment of {$430.00} which was effectively almost 30 % of the balance. I repeatedly call XXXX to address the situation but was unable to reach a reasonable remedy that would be what the credit card standard of 1 % to 4 % of the remaining balance but this injustice was allowed to persist and to reiterate it has caused me enormous XXXX  and financial costs due to subsequent poor credit rating. Finally, I have attached a copy of relevant credit card statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA

Complaint narrative:
I opened a secured credit card account and provided a security deposit of approximately {$500.00}, which was intended to be held as collateral for the credit line on the account. 

After using the account, I noticed that my balance did not appear to reflect the security deposit that I had provided. Despite giving a {$500.00} deposit to secure the account, I was later informed that I owed an additional amount beyond the deposit. 

I requested that the company provide documentation related to this account, including the original application with my signature and records showing how much was provided as the security deposit. I also requested a full account-level report showing how the balance was calculated and how the deposit was applied. 

The company did not provide the requested documentation or any detailed report explaining the account activity or the application of the security deposit. I am disputing the account balance and the companys failure to provide documentation supporting how the deposit was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Complaint Against : Aidvantage ( Department of Education federal student loan servicer ) Issue Type : Incorrect credit reporting / failure to correct account during federal discharge processing Account : Dept of Ed/Aidvantage consolidation opened XX/XX/XXXX ( original amount {$36000.00} ) I am filing a complaint because Aidvantage is reporting an inaccurate student loan balance to XXXX  while my federal Borrower Defense discharge is pending/processing.

TransUnion is currently reporting a balance of approximately {$33000.00} for my Dept of Ed/Aidvantage student loan account opened XX/XX/XXXX ( original amount {$36000.00} ). Aidvantage representatives have confirmed in writing that my account is under Borrower Defense Loan Forgiveness and is in forbearance with no payment due while the discharge is being processed, including confirmation that a discharge was requested on XX/XX/XXXX. 
Despite this, Aidvantage continues to report an active collectible balance to the credit bureaus and has failed to complete the discharge posting and/or correct the tradeline. This inaccurate reporting is harming my credit and is not an accurate reflection of my federal loan status. 
I am requesting that Aidvantage : Immediately complete the discharge posting and any required consolidation adjustments.

Correct all credit bureau reporting to reflect the accurate balance and status during Borrower Defense processing ( including removing the incorrect {$33000.00} balance ). 
Provide a written explanation of what specific consolidation adjustments or data they claim is missing, and what steps they have taken to obtain it. 
I have already attempted to resolve this directly with Aidvantage and through XXXX feedback, but the balance continues to be reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc
State: AK

Complaint narrative:
paypal permanently suspended my account. i tried to open a new account and it was blocked again for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute fraudulent accounts that appears on my credit report. These accounts was not opened by me, I did not authorize it, and it is the result of fraud and/or identity theft.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am exercising my right to dispute inaccurate and fraudulent information being reported in my consumer file. 
Account Information in Dispute : Creditor Name : XXXX  Account Number : XXXX Amount {$390.00} Account Information in Dispute : Creditor Name : XXXX XXXX Account Number : XXXX Amount {$990.00} These accounts arenot mine, and I have never entered into any agreement or contractual relationship with the above-named creditor. Any claim that I am responsible for this account is inaccurate and unverifiable.

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a reasonable reinvestigation of this dispute. Additionally, under 15 U.S.C. 1681e ( b ), you must ensure maximum possible accuracy of the information reported.

If the furnisher of this account can not provide competent, verifiable evidence that I am legally responsiblesuch as a signed contract, application, or proof of authorizationthis account must be deleted immediately from my credit file.

Please provide me with : Written confirmation of your investigation results The method of verification used, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) An updated copy of my credit report reflecting the deletion of these fraudulent accounts Failure to delete unverifiable or fraudulent information may constitute noncompliance with federal law.

Thank you for your prompt attention to this matter. I expect resolution within the time frame required by law. 
Sincerely, XXXX XXXX Date of Birth : XXXX Last 4 of SSN : XXXX Address : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, ZIP : XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I opened a XXXX XXXX  XXXX credit card and have been using it since then. However, I still do not have an Experian credit score or access to my Experian credit file.

When I attempted to check my credit report through Experian , I discovered that my date of birth is incorrect in their system. My correct date of birth is XX/XX/XXXX, but Experian appears to have it listed as XX/XX/XXXX. 

Because of this incorrect personal information, I am unable to create an Experian online account or access my credit report. Experians website and automated phone system repeatedly direct me to call a phone number listed on the credit report, but I can not access the credit report in the first place since I do not have an account. 

I contacted XXXX XXXX  XXXX, and they confirmed that all of my personal information ( including my correct date of birth ) is accurate in their records. XXXX XXXX  XXXX advised me to contact Experian directly to correct the issue, but Experian does not provide a reachable way to speak with a live agent or resolve this identity information error. 

As a result, I have been unable to access my credit report, verify the accuracy of my credit file, or establish my credit history properly, even though I have only one credit card and have been trying to build credit responsibly.

I am requesting that Experian correct my date of birth, allow me to access my credit report/account, and ensure my XXXX XXXX  XXXX XXXX account XXXX properly reported under my correct identity. 

This issue has effectively prevented me from exercising my legal right to access my consumer 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 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I paid this debt they agreed to delete of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Took out a personal loan with a lien against our car. Was unable to repay entire loan. The company then " sold the loan and all rights and interest to it ''. They did not remove the lien. The debt collector the creditor sold the loan to took us to court. We argued that because they sold the loan the lien shouldn't exist either. The judge agreed and ordered that we could sell or transfer the title and that the original lien was no longer valid. We called the original creditor to ask them to remove the lien. They told us no. That they legally owed the lien until the debt collector reported 95 % of the debt repayed. There is nothing in the sale contract that states that they still have the right to hold a lien. This is a clear violation of law and they're using it to strong arm consumers. We informed them that they sold the debt, title and ALL interest in the contract and that a judge stated the lien was not valid. They had us email the court paperwork to their legal department. They have ignored us since. We assumed they removed the lien. However, we are learning now that they have not removed the lean. They have not owned this debt for more then two years, yet are still holding a lien against it. We only found out because we traded the vehicle in and now the dealer is telling us there is still a lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Block, Inc.
State: NV

Complaint narrative:
Cash app is playing games with me and now they're playing games with y'all because I spoke with one person on the 12th who told me that I would be getting my money within the next 24 hours and that my {$150.00} was refunded by the merchant. and then the next person I spoke with told me that my money had not been released from the merchant and I need to take it up with XXXX XXXX XXXX but as you see in the document I submitted that my account was credited {$150.00} on XX/XX/year>. so cash app, I believe is just holding my money for interest purposes. Also it doesn't take 60 days to return my money to my account, when they have the means to do it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am filing an escalation because PayPal failed to process an authorized recurring payment on XX/XX/XXXX, despite my PayPal Balance having sufficient funds, and despite PayPal being under an active CFPB complaint for unauthorized activity and an account limitation that prevents me from logging in. 
On XX/XX/XXXX, I authorized a recurring XXXX installment for XXXX  XXXXr : Legacy through XXXX. This installment is {$25.00} and is scheduled to process on the XXXX of each month through XX/XX/XXXX. This is the only recurring payment I have authorized on my PayPal account. 
On XX/XX/XXXX, XXXX attempted to collect the authorized installment. The payment failed due to PayPal. XXXX sent me a failure notice stating that the payment method was PayPal and that the installment could not be collected. My PayPal Balance at the time was {$89.00}, so the failure was not caused by insufficient funds. PayPal did not notify me of the failure, did not correct the issue, and did not take any action to prevent this harm. 
This failure occurred after I had already filed a CFPB complaint regarding unauthorized activity on my PayPal account, including the depletion of my PayPal Balance, unauthorized transactions, and an account limitation that blocks me from logging in. PayPal has not restored my balance, has not corrected the limitation, and has not provided the investigation records or device/provisioning logs I requested. I submitted my valid ID and bank documents through the CFPB portal because PayPals system will not allow me to upload them.

Because PayPal failed to process the only authorized recurring payment on my account, despite having sufficient funds available, and because PayPal took no action to notify me or resolve the issue, I am experiencing ongoing financial harm. XXXX will retry the payment, but the failure was caused entirely by PayPals mishandling of my account.

I am requesting that PayPal : Restore my PayPal Balance Reverse all unauthorized transactions Correct the account limitation Provide the investigation records and device/provisioning logs I requested Ensure that my authorized recurring payment continues to process on the 16th of each month Confirm in writing that I will not be held responsible for any unauthorized activity or resulting failures PayPal has not taken the necessary steps to resolve the issues or prevent further harm.

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 2026-02-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX  so I dont owe any money. They need to fix my credit report Plus I applied for XXXX discharge four times and they have not discharged in ten years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: ID

Complaint narrative:
I had a single 30-day late payment reported in XXXXXXXX XXXX XXXX While I understand the payment was technically late, my payment history before and after this has been perfect, and the account is currently paid and in good standing. 

I contacted Concora and escalated to a supervisor to request a one-time goodwill adjustment due to my otherwise perfect history, but the request was denied without meaningful review. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
- XXXX : Bank issued debit card was lost/stolen. 
- XXXX : Unauthorized transactions were seen on card for {$4100.00} and {$4300.00}. 
- XXXX : Bank was notified of unauthorized transactions and fraud. Fraud claim opened. Debit card was shut off. 
- XXXX : Unauthorized transactions posted on bank statement for {$4100.00} and {$4300.00}. 
- XXXX : Claim closed, denied. Reason unknown. 
- XXXX : Multiple phone calls made requesting reason for denial. Requested documentation for reason for denial, no documentation arrived. Requested documentation again, wrong documentation arrived. Denial for unauthorized transactions still unknown.

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 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
Subject : Unreasonable delay and lack of resolution in international remittance Abound ( Tracking IDs XXXX & XXXX ) Details : I am filing this complaint regarding a significant delay in processing my remittance transactions with Abound, totaling USD XXXX, initiated on XX/XX/year>. These funds were intended for my parents in XXXX to repay an urgent loan of XXXX XXXX XXXX at XXXX % interest. 

At the time of initiating the transfer, Abound communicated a processing timeframe of XXXX business days. However, despite multiple follow-ups, the funds have still not been credited as of today. 

On XX/XX/XXXX, Abound XXXX ( XXXX XXXX ) informed me the funds would be delivered within XXXX hours. 
On XX/XX/XXXX, another representative ( XXXX XXXX ) stated the delay had been escalated to their banking partner and the settlement was expected within XXXX business days. 

As of XX/XX/XXXX XXXX CST, the funds remain undelivered, and Abound has not provided a definitive completion date or accountability for the delay. 

This prolonged delay has caused serious financial harm to my family, as the remittance was essential to avoid accumulating interest on the outstanding loan. I have repeatedly requested confirmation that the funds are safe, the identity of the intermediary bank, and a concrete settlement timelinenone of which have been provided.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
This is with synchrony bank for the care credit card. I made my first payment and they immediately stole money out of my second bank account so they took double payments and then they lied about it and they have turned off my card. I provided them with a cease and desist. I have turned their mail. They are calling me 3 to 5 times per day. They are sending a mail once a week. They are also emailing me every single day. 
I have blocked their number and they still called and got through. 

After a cease and desist, and I told them several times, they still continue to harass me. They received their payment and shut off my card and then they expect more money. Theyre not getting anything. The harassment I know my laws because I used to work in debt collection and this is a violation. After a cease and desist, whether verbal or in a letter, ( which theyve had both ), they are required by a lot to stop all contact. 

They harass me every single day and it does not stop

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