vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I currently have a car lease for financing a used vehicle through Credit Acceptance. I have just recently learned that they have predatory practices and that they do not inform us, the consumers about the hidden clauses and inflated interest rates. I am extremely upset that my calluses car loan payment is a lot higher than what I would be paying for a newer car, and I would like to renegotiate the terms of my contract or get out of it altogether.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAG - XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, I opened a new XXXX account and added {$740.00} from my XXXX XXXX with the intention of transferring the funds to my XXXX to help pay our rent. Immediately after attempting the transfer, XXXX froze my account and blocked all transactions. XXXX informed me that identity verification was required. I promptly submitted my driver 's license as requested through their support email process. Despite submitting the required identification, my account remains frozen and I can not access or transfer the {$740.00} currently held in the account. I have attempted to resolve this issue directly with XXXX by responding to their email instructions and providing the requested documentation. However, I have received no resolution, no timeline for review, and there is no option to speak with a XXXX XXXX. The XXXX app continues to state that transactions can not be completed because the account is frozen. These funds are urgently needed to pay my rent. I am requesting that XXXX immediately review the identity verification documents I submitted and restore access to my account so I can transfer my funds. If the account can not be restored promptly, I request that the {$740.00} be returned to the original funding source.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX M & T Bank garnished without my consent or knowledge {$36000.00} for XXXX taxes I do not owe. They also retrived {$810.00} from checking also on XX/XX/XXXX. My spouse is severly XXXX and the only income is social security and XXXX which are protected funds under 42 U.S.C. 407. I have had no letter communication that this was going to happen

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 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cash App closed my account and stated it may have been due to activity that could violate their Terms of Service, such as suspected fraud or gambling. However they didnt provide any specific details or evidence about what activity caused the closure simply because i know i dont use cash app for any fraudulent activity When I contacted customer support, they only provided a generic explanation and refused to clarify the reason. I am requesting a clear explanation for the account closure and confirmation that my personal information and any funds are handled appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I deposited a check written out to me at Wells Fargo ATM on XX/XX/year>. Ive been banking with them for XXXX months. When I deposited my check, the ATM took it but wasnt showing on my account. I called Wells Fargo XXXX XXXX and they put a claim in. Regulation E says theyre supposed to give me provisional credit once its Day XXXX into investigation. Today makes Day XXXX, still no provisional credit, and the claim still says open but not in progress. What happened to my check and where are my funds?

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 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
In XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX from a dealership in Alabama and the financing was assigned to Regional Acceptance Corporation. During the transaction I was told that the vehicle could be purchased with a {$500.00} down payment. After I arrived at the dealership and began completing the financing paperwork, I was told that a larger down payment would be required in order for the loan to be funded. I ultimately paid {$700.00} and was told that the remaining {$300.00} would be handled later. After leaving the dealership with the vehicle, dealership personnel instructed me to call the lender and state that the full {$1000.00} down payment had been paid so that the transaction could be funded. The message I received stated : Tell them that you paid the whole {$1000.00} down. We need this done to fund the deal. At the time this instruction was given, the full {$1000.00} down payment had not actually been paid. I believe the dealership directed me to provide inaccurate information to the lender in order to finalize the financing. I later raised this concern directly with Regional Acceptance Corporation and requested that they review the loan origination and funding process. I also provided documentation showing the communication from dealership personnel instructing me to represent that the full down payment had been made. Regional Acceptance Corporation responded that they stand behind the contract and declined to reopen the investigation or address the concerns about the loan origination process. I am requesting that the lender review the circumstances under which the loan was approved and funded, including whether inaccurate information about the down payment was relied upon during underwriting or funding. I am also requesting that the matter be reviewed for potential unfair or deceptive practices related to the origination of the loan.

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 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened an XXXX XXXX account in XXXX to finance a cosmetic laser procedure. The clinic assisted with opening the account and advised me to set up automatic payments, which I did. I understood that the automatic payments would help pay off the promotional financing during the promotional period. During the first promotional plan, I made an additional purchase at the same clinic. The clinic staff told me that the new charge would simply be adjusted within the same credit card account and that it would not affect my payments or the promotional plan since I was continuing to make payments on the account. I relied on that explanation when agreeing to the additional charge. Because my statements were delivered online and I had automatic payments active, I did not regularly review each monthly statement. When I asked the clinic about my account, I was told everything was fine and that my payments were being handled appropriately. I recently reviewed my most recent statement, which was printed on XX/XX/XXXX, and discovered that the promotional plans had expired and more than {$3000.00} in deferred interest was added to my balance. I contacted customer service today to request a review and adjustment of the deferred interest, but I was told that no review or adjustment was possible after a promotional plan expires. I have made consistent payments and maintained automatic payments because I believed the balance was being handled correctly. I was not aware that there were two separate promotional plans with different expiration dates or that the automatic payment amount would only cover the minimum payment and would not satisfy the promotional payoff amount. I am requesting that Comenity Bank review my account and consider a goodwill adjustment or removal of the deferred interest due to the confusion around the promotional plans, the way the financing was explained by the clinic, and the fact that automatic payments were active throughout the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I signed up with AMEX XXXX Credit Card in XX/XX/year>. During the sign up process I requested to use my existing XXXX account. In addition I had a follow phone call conversation with AMEX to clarify the account number that should be set up with the card. Despite these clarifications, AMEX set up the benefits to a new XXXX account number. After this, I spent weeks trying to get the AMEX to map over to my existing XXXX accounts. I was concerned that the benefits would not map over but was told not to worry. The account was successfully linked to my existing XXXX account. I have several follow up conversations with AMEX asking why my benefits ( XXXX XXXX XXXX ) had not yet posted to my account. They kept asking me to wait a few more weeks. It has now been over 80 days since the account was opened. The agreement clearly stipulates the benefits would be offered within 60 days. I have highlighted this to AMEX and they have been unsuccessful at helping. This has involved multiple phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
I notified XXXX of a dispute of a charge that was for a purchase to my XXXX XXXX card back in XXXX of XXXX. I never got the merchandise so I file a dispute with XXXX on XX/XX/XXXX. The agent said it could take up to XXXX days to hear back from someone on their fraud team so I started to do more research. I found the site to be bogus and was in XXXX XXXX tried to reach the fictious XXXX 's with no one to answer the calls. I called XXXX back with this information. I got a notice dated XX/XX/XXXX from XXXX saying that they received my dispute and are reviewing it. Then I got another notice from XXXX dated XX/XX/XXXX stating the {$46.00} and any applicable fees and interest has bee provisionally credited back to your XXXX XXXX XXXX. On XX/XX/XXXX, I received {$3.00} refund for interest from XXXX on my card but still as of today, have never received the {$46.00} refund. Now they owe me more interest on that amount. I have made attempt after attempts to talk with Supervisors at Target credit card services and keep getting told that they have had system issues, lost data and they will work to get this resolved. The last conversation was on XX/XX/XXXX with XXXX and she said give it XXXX business days and I will see the refund. Still nothing. Very frustrating and against XXXX industry standards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Validation of Debt Request - SPRING OAKS CAPITAL - XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: MA

Complaint narrative:
In XX/XX/year>, I was in a difficult financial situation and desperately needed {$1000.00} to cover bills. I found Uprova Credit , LLC online and applied for a loan. I was approved quickly and the money was deposited into my account. At the time, I knew the interest rate was high but I believed I would be able to make the payments and pay it off. Once I received the loan documents and started looking at the actual numbers, I realized the full extent of what I had agreed to. The loan carries an APR of XXXX %. For borrowing {$1000.00}, I am expected to pay back {$3500.00} a finance charge of {$2500.00}. That is more than XXXX the original loan amount just in interest and fees. The repayment schedule requires XXXX bi-weekly payments of approximately {$190.00}. I am a resident of Massachusetts. I have since learned that lending at these rates is illegal in my state. Massachusetts caps small loan interest rates at XXXX % APR and effectively prohibits payday-style lending. Uprova operates as an arm of the XXXX XXXX XXXX XXXX XXXX XXXX and claims XXXX XXXX XXXX exempts them from Massachusetts law. Their loan agreement states that only XXXX law and federal law apply. I can not afford to make these payments. The bi-weekly payment amount combined with the interest rate makes it virtually impossible for me to pay this loan off without severe financial hardship. I took the loan out because I was desperate, and I believe Uprova targets people in exactly that situation people who need money urgently and dont fully understand the total cost until its too late. I have revoked my XXXX authorization in writing via email, and Uprova confirmed they processed that revocation. I am filing this complaint because I believe no lender should be able to charge a Massachusetts resident XXXX % interest regardless of tribal affiliation, and I am asking the CFPB to investigate Uprova Credit, LLCs lending practices.

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 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have been attempting to access PenFed 's hardship assistance program for over a year due to a significant income decline. I am a XXXX XXXX XXXX not a XXXX employee and my primary contract income declined by approximately 44 % between XXXX and XXXX. I have documented this with federal tax returns, XXXX forms XXXX bank statements, and a signed profit and loss statement. PenFed 's hardship application process repeatedly requests documentation that does not exist for self-employed borrowers, including pay stubs and employer verification. When I submit the equivalent self-employment documentation, my applications are rejected or deemed incomplete without clear explanation. I have contacted PenFed multiple times and submitted multiple complete applications. The process appears designed exclusively for XXXX employees and provides no viable pathway for XXXX contractors experiencing genuine financial hardship. I am requesting that PenFed review my hardship application using appropriate documentation for self-employed borrowers, and that the CFPB investigate whether PenFed 's hardship assistance program unlawfully discriminates against self-employed borrowers by making hardship relief effectively inaccessible to this class of borrowers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
Validation of Debt Request - RADIUS GLOBAL SOLUTI - XXXX * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I received a call from the USAA fraud prevention number. The caller told me my account had been accessed by someone in Illinois and that the were transferring funds from another USAA user into my account and was attempting to move it into the scammers account. When I checked my account there was an additional XXXX in my account. The operator instructed me to send the money to an FDIC debit card and this repeats again the next day ( XX/XX/year> ) same number same person. I check my account on the XXXX and my savings account is down XXXX and when I call the USAA fraud prevention number myself they tell me they havent made any calls to me on those dates. After this I filed a police report and waited for USAAs response. On XX/XX/XXXX they said that they couldnt recover my funds and it was up to me to retrieve them from the scammer. I asked to appeal this and on XX/XX/XXXX they gave me the same response.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TSI/XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research TSIXXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: ID

Complaint narrative:
This account was marked as current or paid due to being disputed. The company then fraudulently marked the account as delinquent and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation