vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MN

Complaint narrative:
I contacted cash app XX/XX/XXXX and XXXX XXXX about unauthorized use of my debit card and cash app account. XXXX people hacked my account i did not authorize. I showed proof, I appealed it. Still nothing was done. So I filled a police report and now also a civil suit in the amount of {$20000.00}. That's pain and suffering because my job, bills, income, loss of my XXXX XXXX XXXX son 's money. I was clearly in the proof I'm sending in either states at the time it happened. I was working.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uprova Credit, LLC
State: AL

Complaint narrative:
I was approved for a {$900.00} loan through XXXX deposit via Uprova on XX/XX/year>. On Thursday at approximately XXXXXXXX XXXX XXXXXXXX, I attempted to pay off the full balance. My bank, XXXX XXXX XXXX, confirmed the payment was approved, but XXXX website displayed an error and instructed me to try again after XXXX hours. I waited until today, Sunday, XX/XX/year> at XXXXXXXX XXXX XXXXXXXX, and attempted once again to repay the loan in full using my debit card. At this point, the loan had already accrued {$27.00} in interestan amount that appears to have been intentionally allowed to accumulate. Once again, my XXXX XXXX confirmed the payment was approved, yet Uprova denied the payment on their end, clearly stalling and allowing additional interest to build. I work in finance, so I fully understand how predatory these interest rates can be if the loan is not paid off immediately. That is exactly why I attempted to pay the balance in full right away. My funds are available, and Uprova is refusing to accept my payment without any legitimate reason. This is unacceptable and, in my view, unlawful. I have contacted the company and expect a prompt resolution. I will not sit on a loan simply so Uprova can continue collecting interest. This behavior is unethical and predatory. I have full documentation and screenshots to support my claim. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management is reporting inaccurate information on my XXXX credit report regarding a cell phone bill with XXXX XXXX XXXX XXXX. The account is being reported with an opening date of XX/XX/year>, which is not accurate and does not reflect the original date of delinquency associated with this alleged debt. Reporting an incorrect opening date can make the account appear newer than it actually is and may improperly extend the time the collection remains on my credit report. I have requested that the company investigate the accuracy of the information being reported and provide documentation verifying the correct date of first delinquency and the account history. If the information can not be verified as accurate, the account should be corrected or removed from my credit reports to ensure compliance with the Fair Credit Reporting Act, which requires credit reporting to be accurate and not misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Found out today that express credit card by comenity Bank switched online statements never notifying me and charged me the following charges as a result of never receiving a check payment mailed XX/XX/year>. I've been having troubles with post office mail. I've always paid my express bill on time. They never notified me about changing my account to digital only statement which I never authorized. They never informed me they didn't receive the payment so they could charge interest and late payments totaling {$77.00}. Saying I made a charge {$77.00} and {$7.00} which totals {$84.00}. they refuse to refund the fees and told me today to avoid more fees I have to pay {$120.00}. I reluctantly paid the {$120.00} to avoid another late fee or interest which I believe based on the facts is fraud and deception. I request a refund and cancellation of all fees paid other then the {$84.00} in purchases. XX/XX/year> late fee {$41.00} XXXX interest {$3.00}, XX/XX/year> late fee {$30.00}, XX/XX/year> late fee {$2.00}. I never authorized digital only statement and believe they did it without my consent so I wouldn't pay and they could charge late fees and interest as I've never paid late ever

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-15 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: TX

Complaint narrative:
XX/XX/XXXX @ approximately XXXX {$4200.00} Filed XXXX separate disputes with Chime and all have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, unauthorized transactions were made on my PayPal account without my knowledge or consent. PayPal sent me an official email confirming : 'We 've determined the activities in question on your account are unauthorized. ' XXXX XXXX was closed and resolved in my favor with a {$500.00} pending refund. Subsequently, without my permission, PayPal agents changed the dispute reason from Unauthorized to Item Not Received, and the {$500.00} refund disappeared. Multiple agents contradicted PayPal 's own official written determination and refused to process the refund. I am requesting the {$500.00} refund be processed as originally determined

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/year>, I scheduled a payment for {$61.00} through my online account. When I clicked Submit, the system displayed a confirmation message indicating that the payment had been successfully scheduled. I reasonably relied on that confirmation. However, the company later claimed they had no record of the payment. This has resulted in a {$30.00} late fee. It is technically possible for a website to display a confirmation message even when the server fails to save the transaction due to a timeout, database error, session expiration, or other backend failure. In such cases, the user sees a successful confirmation, but the companys system does not retain the record. I am requesting that the company review their internal logs to verify that I was logged into my account on XX/XX/year> and initiated the payment submission. Even if the payment did not save correctly, companies typically retain login logs, session activity logs, and event logs showing that a submit payment action was triggered. I am also requesting that the company credit or waive the {$30.00} late fee, as I acted in good faith and relied on the confirmation message their system displayed. This issue has occurred in the past as well. At the time, I assumed it might have been my mistake, but this repeated failure suggests a possible system problem. I am unable to access my full payment history on their website right now, but I believe this has happened once or twice before. It is possible other customers have experienced similar issues. I am asking the CFPB to require the company to investigate this recurring problem, review their system logs for XX/XX/year>, and correct the late fee on my account.

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 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
After I met all the promotional purchase that were require of {$1000.00} in the within the first 3 months. They did not show on my account. After talking to Citi XXXX XXXX AAdvantage customer service asking about my miles promotion ( approx 3 weeks ago ) they told me that I was not eligible because I had a card within the last couple years. I told them that the gate agent told me as long as it had not been within the last six months. I feel I have been greatly miss lead to get this card. I feel it is a bait and switch tactic being used by the company to miss lead consumers since in the fine print it says something different. I feel the agents must get incentives for getting people to sign up and and are miss leading consumers such as myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I put down {$28000.00} on a 2018 XXXX XXXX XXXX. After doing some research I discovered that I couldve bought the vehicle for a cash amount instead of taking out a loan and making monthly payments. I was preyed upon and I was targeted. Targeted due to previous credit stipulations and so forth. They repossessed the truck after I couldnt afford the XXXX XXXX monthly payments. They all knew I wasnt capable of making such high payments and I expressed that to the dealership. I questioned them on numerous occasions about the payments being so high with such a substantial amount down payment. They kept talking about what my credit reflected. I feel like I was lured and taken advantage of. Im making a complaint and would like to be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Interest rate
Company: Unlock Technologies, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ... entered into a dubious agreement while going through some medical hardship, XXXX XXXX XXXX XXXX XXXX while taking prescribed XXXX drugs.... I was looking for a heloc, then came in contact with UNLOCK TECHNOGIES INC , I was approved for loan of {$41000.00} and, net of {$38000.00} without monthly payments payable up to 10 years.and a 4.90 % origination fee of ( {$3700.00} ) and a very selective, creative math to maximize their profit... equity share 21.99 %, ,shares of 41.99 %... On XX/XX/year> I decided to pay off the loan with an other loan ... {$490000.00} with a {$570.00} fee ... realizing a net profit of {$12000.00}.... net profit {$8100.00} XXXX within only 1year.... whereas a heloc of 6 % interest would have cost {$2500.00}.... This is pure robbery, a XXXX LOAN at its best amounting to an interest of over 25 %.... Unlock and others such as Point are praying on poor people and seniors for easy loans with dramatic consequences at payments where many can't afford the payments only to be forced to repay the loans by selling their homes.... This has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
XX/XX/year> Deposit made XX/XX/year> for {$2400.00} Most banks can call and verify funds making it available sooner. I get paid every XXXX weeks so a rely on my paycheck when it arrives. They told me there is a security risk and it will be available on the XXXX. This is a problem seeing I rely on my funds to live on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year>, I paid {$290.00} for a meal at XXXX XXXX XXXX House ( Transaction ID : XXXX ). Shortly after the meal, I suffered XXXX XXXX XXXX XXXX XXXX XXXX XXXX with symptoms lasting over three days, requiring medication. I filed a dispute ( XXXX XXXX XXXX XXXX but PayPal denied it based on a fundamentally flawed premise. PayPal claimed that because I " picked up '' the items in person, I had the right to " inspect '' them. This logic is deceptive as XXXX XXXX XXXX XXXX XXXX are latent defects invisible to the naked eye. It is scientifically impossible for a consumer to inspect for contamination during service. Furthermore, PayPal 's appeal denial incorrectly categorized this as a " food quality '' issue. This is not a subjective preference ; it is a serious health hazard and a violation of public safety. I have reported this to the XXXX XXXX XXXX XXXX, which has opened a formal investigation under Case Number XXXX. Despite providing this official government reference, PayPal continues to deny protection. This constitutes a failure of their " Purchase Protection '' program for a service that was " Significantly Not as Described ''. specifically, a meal that was unfit for human consumption. I am requesting the CFPB to intervene as PayPal is misrepresenting its consumer protection policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
It was recently confirmed by the CFPB in correspondence dated, XX/XX/XXXX, that I was an affected consumer in the XXXX lawsuit brought by the CFPB against XXXX XXXX for illegally steering borrowers into forbearance, instead of income-driven repayment plans. Prior to correspondence from the CFPB, I had received no notification from the U.S. Department of Education that my loans had been affected by this lawsuit. Because there has been a lack of communication from the Department of Education, I was also unaware of the XXXX administrations IDR Account Adjustment for borrowers who were wrongly steered into forbearance. The payment count adjustment was applied to Perkins and FFEL Program loanssuch as mine -- that were consolidated on or before XX/XX/XXXX, and disbursed before XXXX XXXX, XXXX. After contacting Student Financial Aid, I was told that only MOHELA, my servicer, would have the updated count. On XX/XX/XXXX, I contacted MOHELA and asked to have a copy of two emails from XXXX, dated XX/XX/XXXX, and XX/XX/XXXX ( for which there is still a listing in my old Navient inbox but it is without the emails ), as well as an IDR account adjustment that had taken place as a result of the XXXX administrations Income Driven Repayment ( IDR ) account adjustment for borrowers who were wrongly steered into forbearance. The representative I spoke with said that there are no records of the emails and the IDR account adjustment. I would appreciate the CFPBs assistance in locating a copy of the XX/XX/XXXX, and XX/XX/XXXX emails from XXXX, as well as finding the correct IDR account adjustment for my loans that took place as a result of the XXXX administrations Income Driven Repayment ( IDR ) account adjustment for borrowers who were wrongly steered into forbearance.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
* My vehicle was repossessed from a XXXX parking lot without my knowledge. * Personal items in the car were stolen by the recovery company, XXXX XXXX XXXX. * It took me about a week and a half to locate the vehicle. * I was homeless at the time, making the loss of the car and my belongings especially difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint regarding a collection account being reported by LVNV Funding LLC on my credit reports. I have disputed this account multiple times with the credit reporting agencies and directly with the company. Each time the account has been marked as verified, however I have never been provided documentation proving that I legally owe this debt or that LVNV Funding has the legal authority to collect it. The account being reported is : LVNV Funding LLC Original Creditor : XXXX / XXXX XXXX Balance approximately {$780.00} Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt collector must provide proper validation of a disputed debt. To date, LVNV Funding has not provided : A copy of the original signed credit agreement Documentation proving I am legally responsible for the debt Documentation showing LVNV Funding legally owns or was assigned this debt A complete chain of assignment from the original creditor to LVNV Funding A full accounting of the balance being reported Instead, the account continues to be reported to the credit bureaus as verified without proper documentation being provided. Because this account has not been properly validated, I believe it is being inaccurately reported and is causing significant damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have been sued by Portfolio Recovery Associates who buys old debt and they are trying to collect {$1600.00} for original debt to XXXX XXXX in which the statute of limitations has lapsed. They filed the complaint in XXXX XXXX Alabama Small Claims Court and I filed an Answer denying I owe the money and the affirmative action that the Statute of Limitations has passed. The case is pending. Also, they keep reporting a negative report to all 3 credit agencies which I want removed. Also, since they filed the lawsuit they still keep calling me. I filed my answer to the court on XX/XX/year> and the letter dated is XX/XX/year> and they just called me AGAIN XX/XX/year> which are both past the day they sued me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I purchased airfare ticket through commercial website called ( Justify ) in XX/XX/year> for {$360.00} and few days I tried to reached out to agency to inquiry about changing the ticket to different time/date and I was aware that I was chatting with AI and not a real agent, the AI changed my ticket to different one without permission from to charge my catd with any extra charge,, I checked my card in same day and there was no any charge but 2 days later, my card was charged by same agency ( Justfly ) for two charges {$75.00} and {$220.00} without my permission, I immediately reached out to agency and requested those charges but they refused and they absolutely refused to cooperate, than I filed chargedback with my credit card company and after more than 90 days, my credit card denied chargeback although I received no service for this charge and I was deceived by communicating with AI rather than real person which was extremely misleading and confusion, I end up buying different ticket which ia more expensive, despite of all this lost and misleading, my credit card company is still refusing to accept my appeal when it supposed to protect me from such internet scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am submitting this complaint regarding Capital Ones refusal to consider a goodwill adjustment related to negative credit reporting from XXXX During XXXX I experienced a financial hardship that impacted my ability to make timely payments. I contacted Capital One to request hardship consideration and later requested a goodwill adjustment for the late payment reporting associated with that period. Despite my otherwise positive payment history and the temporary nature of the hardship, Capital One denied my request without meaningful review or consideration. As a result, the negative reporting from XXXX continues to impact my credit profile. I am not disputing the accuracy of the payment history ; rather, I am requesting goodwill consideration given the circumstances, my prior account history, and the fact that the hardship has since been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On or about XX/XX/year>, I sent a letter via XXXX requesting a formal dispute and validation of the alleged debt to XXXX XXXX at the following mailing address, which is listed on my consumer reports as the contact address for this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX On XX/XX/year>, I received the letter back via XXXX marked as " Return to Sender - NOT DELIVERABLE AS ADDRESSED UNABLE TO FORWARD. ''

Company response to consumer: Closed with non-monetary relief