vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Back in XXXX my car was brand new that I leased with dry rotted tires .. caused two flats the 3week after leased, prior to that my window malfunction for me to wait two days to get fixed, after second flat roadside assistance, had me stranded for seven hours, causing my car to be impounded and additional charges added customer care pay for the impound to be out just to bring to XXXX XXXX motors to add on {$6000.00} worth of charges that had nothing to do with me all within the first month of me getting in the car try to put blame on me showed a lot of negligence so settled for me paying deductible of {$1000.00} from the insurance however, my first car note was going to be due so I called on behalf of postponed in the payment for me to pay my deductible since the incident kinda was on the end, it took me two months for me to come up well for them to come up with a solution. I was navigated to somebody as higher than customer care and they offered me a XXXX check back in XXXX however, they repossessed the car. I never gotten my car back since the incident and all Im just asking is for them to remove it from my credit plus the Goodwill check notice. I never received the Goodwill check yet it was just offered to be given.

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: IL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've been trying to cancel my XXXX XXXXXXXX membership for several months I have reached out to both parties, Capital One, for a dispute of the transactions. XXXX XXXX states it's in my contract. I never received a copy of my contract and was fully unaware of the refund or cancellation policies. This seems to be a predatory practice especially since they refused to share the cancellation process and paperwork with me until just a couple of weeks ago. Capital one seems to be on the side of the merchant and failed to do their due dilgence even though I have been a loyal customer for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been dealing with identity theft for many years I have contacted the companies as well as Experian Experian has received from me ftc identity theft packet drivers licenses social security card and has still only give me an automated message stating investigation was complete and items remain

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 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
On XX/XX/year>, I contacted the company, onemainfinancial, to request general information about possible refinance options and estimated monthly payments. This was strictly an informational inquiry, and I did not submit a credit application or authorize a credit check at any point. Afterward, I discovered that a credit inquiry had been placed on my credit report. I did not provide consent for this inquiry, nor was I informed that my credit would be accessed. I am requesting that this unauthorized inquiry be removed from my credit report and that the company provide an explanation for why my credit was accessed without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: WA

Complaint narrative:
I am disputing a credit card charge of {$280.00} from a merchant in XXXX XXXX, XXXX. On XX/XX/year>, I purchased a bottle of tequila and was told it would cost approximately {$50.00} USD. During the transaction, the merchant took my credit card out of my sight to process the payment. When my card was returned, I was told the receipt machine was not working and I was given a handwritten receipt that did not include any total or amount. I was not shown or informed of the final charge amount at any point and was not given the opportunity to authorize the amount that was charged. I discovered the {$280.00} charge later that same night when I returned to my hotel and checked my account. At that point, I had already left the island where the purchase occurred, and there was no contact information on the receipt to reach the merchant. I initially reported the issue that same day ( XX/XX/year> ) and provided all available information to the credit card company by XX/XX/year>. I received the first denial notice dated XX/XX/year>. I followed up multiple times to correct the classification of the dispute and request proper review on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. During these calls, I clarified that the issue was not an incorrect amount, but that the amount was never disclosed and therefore not authorized. Despite these repeated attempts, the dispute was consistently categorized as an incorrect amount claim and denied for lack of proof of a different price. However, this is not a pricing dispute. The issue is that the amount charged was never disclosed and there is no documentation showing that I authorized a {$280.00} charge. I also requested clarification on how the charge was considered authorized and whether documentation exists showing my approval of the amount, but this was not clearly provided. The only documentation from the merchant is a handwritten receipt with no total listed, which supports that the amount was not disclosed at the time of purchase.

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 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year> we paid off the complete balance of my Citibank XXXX XXXXXXXX card. This payment left our balance at XXXX. The payment made that day was for {$3200.00}, it cleared our bank account the next day, and the balance of our card showed that there was a XXXX balance. On XX/XX/year> my husband got his paycheck and his paystub which reflected a " Salary Offset ''. They took almost {$1200.00} from ONE paycheck. The offset was not labeled, and after going through a long process we found out that the offset was Citibank starting to take money for our balance owed, Which as mentioned was XXXX. Apparently payments " crossed '' which I am not sure how, since we had paid over a month before taking our money. They also were SUPPOSED to send us a letter warning us that there would be an offset, which we never received,. We had no warning that this amount of money was going to be deducted from one paycheck. They also are only supposed to take a max 15 % percent of my pay, which this amount was for way more than that. When we called Citibank after a long hold time, we were informed that there was now an {$80.00} balance that NEEDED to be paid before they could stop any offsets. We paid that balance immediately, only to have {$600.00} once again taken from my XX/XX/XXXX paycheck. I have called the company multiple times as BOTH of these payments have been taken from my paycheck, yet still DO NOT reflect on my statements. It does not show any of the {$1800.00} that was taken from me, and we are now weeks in. Customer service told us, that we would MAYBE have to wait 30 days to see any payment posted, but that they were not sure when. And that after the 30 days we could request a refund. But that, they would continue to garish my pay until they got the full {$4000.00}. Which makes no sense to me. Another person there told me that the payments posted in 10 days, which has not happened. A manager told me that the payments would post in the first full week of the month, which also has not happened. Every person I speak to there has a different answer, none of which are helpful to me. My family and I are out almost {$2000.00} just this month, and had to rely on an XXXX XXXX XXXX loan to pay our bills, as I am the primary provider. I am getting NO straight answers, and my money is still being taken, and these double payments are not being posted. How much longer is this going to keep happening. I have bills to pay, and children to feed. XXXX sent the first payment over to Citibank on XX/XX/XXXX, it is XX/XX/XXXX and it is not reflected. Yet the payment I made of the {$80.00} was posted immediately. They have all of this money, yet it is not posted. And, I can get no answers as to when I will get any of MY money back.

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 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: CA

Complaint narrative:
When I contacted XXXXACS to advise that the account with XXXX XXXX is fraudulent. The lady said even if I submitted a FTC, police report stating Identity theft, if the person who open the account fraudulently hasnt been arrested, than I am still responsible to pay the debt. This is a violation of the FDCRA and FTCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: CO

Complaint narrative:
Continuation of dispute XXXX. Still have not received any written communication regarding the supposed debt and continue receiving excuses via text why I have not received and to just pay instead.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I received a text message appearing to be from USAA regarding suspected fraud on my account. Shortly thereafter, I received a phone call from a number that matched USAAs official contact number saved in my phone. The caller identified himself as a USAA representative and referenced XXXX XXXX and international transactions. During the call, I was asked to provide a one-time security code sent to my phone. Believing I was communicating with a legitimate USAA fraud representative, I provided the code. I later learned this individual was an imposter using caller ID spoofing to gain access to my account. On XX/XX/year>, the following unauthorized transactions posted to my account : XXXX XXXX XXXX XXXX {$2900.00} XXXX {$2800.00} Total : {$5800.00} I did not initiate, authorize, or intend to authorize any transfers to XXXX XXXX or any international recipient. I did not create any such accounts and received no benefit from these funds. I reported the fraud to USAA on XX/XX/year>, immediately after discovering the transactions. Temporary credits were issued during the investigation. These transfers occurred only after my account credentials were compromised through deception and impersonation of a USAA representative. Providing a one-time security code under false pretenses does not constitute authorization of any transfer. Under the Electronic Fund Transfer Act ( Regulation E ), transfers resulting from fraud, impersonation, and account takeover are considered unauthorized electronic fund transfers. Despite my prompt reporting and cooperation, USAA determined the transactions were authorized and reversed the temporary credits. The reversal of these funds occurred at the end of the month immediately following my payroll and XXXX XXXXXXXX deposits, causing significant financial hardship and disruption to my ability to meet essential obligations, including two mortgage payments and other scheduled expenses. I have been a USAA member for nearly 20 years, and my accounts have consistently been maintained in good standing. I am requesting reimbursement of the unauthorized funds and a proper review of this fraud claim.

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 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DLC, LLC
State: AR

Complaint narrative:
I receive, am eligible for, or have within 6 months received, aid to families with dependent children, relief funded by a relief block grant under XXXX XXXXXXXX, relief provided by counties under section 59.53 ( 21 ) of the Wisconsin Statutes, medical assistance, supplemental security income, food stamps, or veterans benefits based on need under 38 USC 1501 to 1562 or section 45.351 ( 1 ) of the Wisconsin Statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint regarding the closure and restriction of my accounts by XXXX XXXX and Capital One after I was the victim of a scam. I was sent approximately {$1400.00} and was instructed, under false pretenses, to send {$700.00} through Bitcoin via XXXX XXXX. I believed I was following legitimate instructions at the time and was unaware that this was part of a scam. I did not knowingly participate in any fraudulent activity and did not intend to violate any policies. I did not benefit from these transactions and was acting based on misinformation provided by the individual involved. Once I realized the situation was not legitimate, I attempted to address and report the issue. However, my accounts were restricted and ultimately closed under suspicion of fraud. As a result of this situation, my account balance is now approximately negative {$650.00}. I believe this occurred due to the scam-related transactions rather than any intentional wrongdoing on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Date : XXXX XXXX TRANSWORLD SYSTEMS INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : CEASE & DESIST / DEBT VALIDATION DEMAND - VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ). I am formally demanding the following documentation within 15 calendar days from the date of this letter : The original signed contract or application bearing my signature showing liability for this debt. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges. Your debt collector license number and the state ( s ) in which you are licensed to collect. Your surety bond information, as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Be advised that continued failure to validate, coupled with continued furnishing of false information to credit bureaus, constitutes willful noncompliance under 15 U.S.C. 1681n and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs. I am documenting all violations and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general 's office, and seek relief through litigation if necessary. Let this serve as your final warning. Failure to comply within 15 calendar days will result in further legal action. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal complaint against Transunion credit reporting agency I have tried to dispute in accuracy reporting by XXXX XXXX XXXX regarding my credit card Transunion has acted dismissive towards the subject saying that the account with XXXX XXXX XXXX doesn't exist which in fact it does cause I receive credit alerts. The issue is that XXXX XXXX has reported improper balances on my credit card in which there is a low balance and is being reported as a high balance which is incorrect. I have tried calling Transunion for assistance but they refuse to help saying that the XXXX XXXXXXXX bank credit card account does not exist. I would like for the CFPB to intervene. I have tried disputing the amount being reported which has made my credit score drop I have been successfull in disputing with the other credit reporting agencies I would also like to see c TRANSUNION penalized in this matter for the misbehavior of their agents

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I disputed a hotel charge with Bank of America after the merchant ( XXXX XXXX ) issued a folio showing a {$420.00} credit and {$0.00} balance, indicating a refund for unused nights after early checkout due to serious room and safety issues. However, no refund was ever processed back to my card. I provided full documentation, including the booking confirmation ( showing my Bank of America card was used ), the folio with matching confirmation number, and account statements proving no refund was received. The merchant also refused to provide an XXXX or any proof of where the refund was sent. Despite this, Bank of America denied my claim, incorrectly treating the folio as proof of a completed refund. A folio credit does not confirm that a refund transaction was processed. I am requesting a proper investigation and reversal of this decision, as well as the XXXX and the last 4 digits of the card number they claimed to have sent the refund.

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