vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau : I am filing this complaint against Toyota Motor Credit Corporation ( dba Lexus Financial Services ) and the dealership XXXX of XXXX XXXX regarding predatory lending, falsified loan applications, and failure to properly account for insurance proceeds. 
1. Predatory Lending & Fraudulent Origination I am currently in Chapter 7 Bankruptcy ( Case filed XX/XX/year>, XXXX XXXX XXXX XXXX  ). These loans were originated through fraud by the dealership. 
Falsified Application : The dealership ( XXXX of XXXX XXXX ) falsified my income and employment information on the credit applications to secure approval for XXXX luxury vehicles ( XXXX XXXX XXXX ) which I could not afford. 
Hidden Down Payment : I allege there were hidden down payments and financial manipulations in the contract ( e.g., a {$4000.00} discrepancy ) that were not disclosed to me. 
Unverified Ability to Pay : XXXX XXXX accepted these loans without proper due diligence, facilitating the dealerships predatory behavior. 
2. Improper Debt Collection & Insurance Mishandling Lexus Financial is attempting to collect deficiency balances ( approx. {$23000.00} on one account and over {$48000.00} on the other ) without explaining how these amounts were calculated. 
XXXX XXXX : The vehicles were fully insured. Specifically, the vehicle with XXXX ending in XXXX was insured by XXXX XXXX ( Policy # XXXX ). 
Failure to Apply Funds : I have not received an accounting of whether insurance claims were filed or paid out. If the vehicles were repossessed or totaled, insurance proceeds and XXXX coverage should have offset these balances. 
Credit Reporting : They are reporting derogatory information to XXXX ( disputed on XX/XX/year> ) while failing to validate the debt or provide the original contracts with my wet-ink signature. 
XXXX. Accounts Involved : Account Ending : XXXX ( VIN Ending : XXXX ) Account Ending : XXXX ( VIN Ending : XXXX ) Desired Resolution : I request a full investigation into the origination of these loans. I demand that Lexus Financial provide a full ledger of all insurance payouts and auction proceeds. If fraud is confirmed, I request the loans be deemed void and the negative trade lines removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: TN

Complaint narrative:
Credit Control sent a debt letter on XX/XX/XXXX I sent a certified letter requesting validation of said debt they gave me until XX/XX/XXXX to reply my certified letter is dated and returned. Amount XXXX. Certified letter number signed and returned on XX/XX/XXXX XXXX Its been nearly four years and they are sending the same letters! I want this to stop! I am contacting an attorney tomorrow! 
Acct XXXX XXXX XXXX amt XXXX No proof was sent not a response! Stop contacting me this is a violation of my rights!

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 2026-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I trusted Capital one to protect my credit building experience. I moved my auto loan from GM to Capital One which has automatic withdrawal. Payment never late. I have a XXXX capital one card never late. I have a Capital One Bass Pro card Never Late. I have a checking Account good standing. I have a Savings account good Standing. So I was using my credit cards to finance my work Schedule and making all payments. So I applied for an XXXX XXXX XXXX XXXX for my XXXX online Business. Capital One Intentionally Dropped one of my cards down from XXXX to XXXX without any notice of action. After this intentional act my credit score went from good credit to fair credit and my debt ratio changed from 33 % to 55 % which proved they were trying to hold me in their gripes. Time are hard these days with high costs. You really put your own trust that the credit card company will protect you. Wrong this has damaged my my credit and my abilities to protect my credit for no reason what so ever. Beware my friends it could also happen to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Left the dealership on XX/XX/year> and have been getting numerous inquiries from other companies for the same car without any variable or written explanation. I have been told to send bank statements after bank statements and having my personal information used constantly since I left the dealership. It was supposed to be one bank I was told but ever since I left the dealership I have been getting emails of loan applications sentpulling my credit score.

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 2026-01-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated
State: PA

Complaint narrative:
This card doesn't allow payments for utilities at times. Even if I have double the amount in my account. It gets declined at stores. The ATM doesn't allow me to withdraw cash. I tried signing up online. I get all the way through. Card number, name, passwords, etc only to be asked at the very end to select an image, name it, then, network error! I try again, same thing. I tried to sign up on this app a year ago. I had the issues then. I thought I'd try it again today but of course, no access. You charge if you make more than XXXX calls a month to hear an automated account balance but no other way to access my account online. 
Worst card ever!!!

Im stopping by Domestics this week to start a direct deposit into my bank and rid of this card. I can't deal with this anymore. I feel bad for anyone else who has you for a banking card. I read through all of your complaints on XXXX. I've had the same issues a year ago and apparently many many others. I can't believe nothing has been done to resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I am submitting a complaint regarding my auto loan with Exeter Finance ( Account # XXXX ). The contract and dealer paperwork falsely list a trade-in vehicle that I never provided, which materially increased my likelihood of loan approval. I did not trade in a vehicle and never authorized this representation. 

I notified Exeter Finance in writing on XX/XX/XXXX, and have sent a follow-up letter on XX/XX/XXXX but the lender has failed to respond. As a result, I have suspended payments in good faith due to the fraudulent contract. 

This issue constitutes a violation of the FTC Holder Rule because the lender funded a contract induced by false representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Credit card company are denying due to fraudulent information and not being able to identify my social security

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX, XXXX charged my Capital One card {$1400.00} for an unauthorized payment. My monthly auto policy is {$260.00}. I immediately checked my XXXX policy after seeing the charge in my Capital One account, and the {$1400.00} did not appear on my policy. I contacted XXXX the same day to report the charge as unauthorized. I then contacted Capital One to dispute the charge and requested a record showing where the funds were sent. Capital One did not provide this information. 
Later in XXXX, XXXX charged my card again for {$560.00}, also unauthorized. I reported this charge as fraud to Capital One that same week. Capital One removed the {$560.00} charge from my account, so there is now no record of the unauthorized charge appearing on my statement. My actual auto policy payment is {$260.00}, so this {$560.00} charge is clearly incorrect and fraudulent. 
I contacted both XXXX and Capital One, and both confirmed that these charges were unauthorized. Capital One has not provided documentation or evidence showing where the {$560.00} was applied. I have not received any letters, emails, or notices explaining this charge or their findings. 
As of XX/XX/XXXX, Capital One is requiring me to pay the {$560.00} unauthorized charge with no evidence or explanation. I have called Capital One twice on XX/XX/XXXX, and both departments were unable to resolve the issue, stating only that a note would be sent to the fraud department. I am being held responsible for a clearly unauthorized charge on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I originally had XXXX XXXX  to process the refinancing, because they took several months, originally was to close BEFORE XXXX of XXXX. They repeatedly kept stalling ( intentionally delays ). 

I rescinded from XXXX  and went with Rocket -- > with Rocket, because I had all dockets they needed from XXXX XXXX ( STATE ) Home Owner 's Insurance - top to bottom inspection ( full ) and the Appraisal ( Dated XX/XX/XXXX ). Rocket had all dockets. 

Everything was going quite well, until I was literally BODY SLAMMED to the wall... was supposed to close with Rocket almost 3 weeks ago, delayed, then was to close on Monday, XX/XX/XXXX .. as the lock in rate expires on XX/XX/XXXX. 

The past three weeks - NO ONE will give me an explanation WHY they can not take the Appraisal. First they argue that " IT'S EXPIRED '' ... FHA Rules and Regulations holds such appraisal valid for 180 days ( 6 months ).

NO, the appraisal has NOT expired, it's not even 2 months old yet.

They repeatedly inform me " it's expired '' ... but that's NOT THE TRUTH... and yet, I'm also being told it's an " ALL STOP '' - but yet, they will NOT disclose exactly wrong with the appraisal. 

YES, I AM FULLY AWARE that in my area/region -the COMPS and VALUE goes up and down like a Yo-Yo! Not a joke. One day it's worth XXXX  XXXX, the next day it's only worth XXXX XXXX, then the next day it's worth less, worth more, up and down drastically. 

NO ONE can control this. Hence one reason why XXXX said " they have no reliance on the appraisals for that reason '' - excessive marketing fluctuation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IN

Complaint narrative:
In XXXX of XXXX I had decided to voluntarily close my checking account with US Bank. At the time of closure there was no money owed to US Bank on my behalf. The amount of {$270.00} became the total amount due and i paid that amount in full. US Bank reported account abuse to my check systems profile. In XXXX I contacted US Bank to require about why they reported account abuse to check systems. I was told I did not owe US Bank any money and that they would remove this account from check systems. As of XX/XX/XXXX US Bank is still listed on my check systems profile as account abuse. This is completely wrong and malicious.

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 2026-01-28 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: NY

Complaint narrative:
Dear Sir or Madam, I am writing in response to your communication regarding the alleged debt referenced above. This letter is not an admission of liability.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this alleged debt. Please provide the following : 1. The amount of the alleged debt and an itemized breakdown.

2. The name and address of the original creditor.

3. Copies of any contract, agreement, or documents bearing my signature.

4. Proof that you are legally authorized to collect this debt.

5. Proof that this debt has not exceeded the statute of limitations.

Until such validation is provided, you are required to cease all collection activities and reporting to any credit reporting agency.

If you can not provide proper validation, please remove this account from my credit report and notify me in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KS

Complaint narrative:
I tried to dispute fraudulent charges on my account and my bank denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NC

Complaint narrative:
My friend sent me {$20.00} over cash app on XX/XX/2025 and it was put immediately under review. I reached out multiple times over the following month where they would insist that they would resolve the issue in XXXX days and id get an email which i never got. I made sure multiple times to give them a correct email but I still never recieved an email and yes I even checked the junk folder. I also asked them multiple times why it was under review where they could not give me a specific answer except to make sure it didn't violate guidelines. I was also told after XXXX weeks the transaction would cancel which it didn't. So yesterday I messaged again to check on why this has not been resolved in XXXX XXXX XXXX XXXXXXXX XXXX  to which they asked for my email again and said they filed another complaint and today I woke up with my account suspended and they wont tell me why other than I can appeal it. I have also still not recieved the money I was supposed to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Very Poor Customer service. I spoke with atleast 8 reps in 24 hours only 3 were helpful, patient and kind. There should be 2 emails reflectecting my concerns and how I was treated badly through a hard and stressful time. No compassion, little to no knowledge with attitude for a customer who is simply trying to resolve an issue. There's no reason I should be rushed off the phone, hung up on, argued with. At no time did I conduct my tone in a manner in which the repossession department representatives should be so distasteful. I am truely hurt and disappointed as I have been with navy federal for almost 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
PayPal keeps trying to charge me {$110.00} when I didn't get what I received from XXXX. PayPal keeps siding with the merchant instead of me, and keep saying they didn't get proof, when I gave them proof multiple times. 

I ordered 5 pink shirts that are supposed to be XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Instead I got 5 white shirts all small. 

I keep contacting PayPal but they don't do anything. I even have contacted XXXX and they never get back with me.

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 2026-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
This company XXXX XXXX discriminates against me and my income as I do work and receive social security should be considered a income also he said I was approved 3 times scheduled closing after treating me and my husband very disrespectful we dont understand why a Mortgage company would do this to someone we paid Insurance company tittle all that for telling me today because of the circumstances I am denied this is unacceptable and I hope I get get the legal representation I am looking for. Thank you Sincerely Ms XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
My credit card statement from the XXXX US Bank showed XXXX  fraudulent charges made from XXXX XXXX XXXX  of XXXX  totaling {$2200.00} When I called to alert the card company they said they will investigate. These charges were made in North Carolina and I live in California. 
My next statement in XX/XX/XXXXXXXX  shows those XXXX charges put back on my credit card statement. When I called to ask what is going on the company said the charges were made through " XXXX XXXX " which I do not have any credit card on XXXX XXXX. I don't use XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
I am submitting this complaint regarding excessive overdraft fees assessed by Northwest Bank on my checking account. 
A total of XXXX overdraft fees posted to my account within a short period of time, resulting in hundreds of dollars in fees that compounded rapidly. The overdrafts were unintentional and occurred during a short-term financial hardship. I did not realize how quickly the fees would stack. 
I contacted customer service and was directed to my local branch. I requested a one-time courtesy or goodwill adjustment, even partial, to address the excessive nature of the fees. I was told the branch manager reviewed the account and declined any adjustment. Despite requesting to speak directly with the manager, I was not given that opportunity and the decision was relayed through branch staff. 
I have since brought the account back to a positive balance and had active direct deposits during this period. I am not requesting ongoing assistance only a one-time courtesy refund of some or all of the overdraft fees due to the unusual and compounded nature of the charges. 
I believe the fees assessed were disproportionate and that my request for a reasonable courtesy review was not meaningfully considered. I am requesting that Northwest Bank re-review this matter and provide a goodwill refund of the overdraft fees.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: TX

Complaint narrative:
I am filing this complaint against TEK Collect regarding unlawful debt collection practices and inaccurate credit reporting related to the following account : TEK Collect Acct. XXXX Collection {$1500.00} The first violation is that I never received any written notice of this alleged debt before it was placed on my credit report. TEK Collect did not send me a collection notice, validation notice, or any written communication informing me of the debt, the amount owed, or my rights under the Fair Debt Collection Practices Act ( FDCPA ). I only became aware of this alleged debt after it appeared as a collection account on my credit report. Reporting a collection account without first providing the required written notice is unlawful and deprived me of my right to dispute or validate the debt before it was published to third parties. 
The second violation is that I formally requested validation of this debt well over 30 days ago, and no validation has been provided. TEK Collect has failed to send any documentation establishing the validity of the debt, including but not limited to a contract, itemized billing statements, account history, or proof that the debt is legally owed by me. Despite failing to validate the debt, TEK Collect continues to report this collection account, which constitutes continued collection activity without validation. 
I have also filed an FTC complaint against TEK Collect, which is attached to this submission. Their continued reporting without notice or validation demonstrates a clear pattern of noncompliance with federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation