vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX of XXXX, I temporarily paused my automatic payments on my XXXX credit card account and made a payment manually. Later that month I renewed my automatic payments on my account. It appeared to be successful at the time. However, apparently the automatic payments did not restart, unbenownst to me. I do not know why their system indicated to me that the renewal of automatic payments was successful when it was not. They did not restart the automatic payments despite my setting it up on their system. I always have had my account preferences set for me to be contacted by XXXX via email, text, or phone for things like late payments not by mail. However, I received no notification from XXXX by email, text, phone, or mail that my account was delinquent ; and there were no emails from XXXX in my spam folder. I learned about the late payment only when a credit agency notified me in XXXX of XXXX that a late payment had posted to my credit records. I immediately called XXXX and paid all past-due amounts. I asked the XXXX agent at that time to please remove the derogatory record, but he said that he could not do so. This was very disturbing to me because I have never had a late payment with XXXX or on any of my other accounts until now. And this single late payment dropped my credit score by XXXX points. Had I received any notification from XXXX that my payment was late, I certainly would have paid it immediately. On XX/XX/XXXX, I sent a letter to XXXX describing the situation and again requesting that they remove the derogatory record from my account history. They replied on XX/XX/XXXX, stating that they could not change their credit reporting, and that they reported my account to the credit reporting agencies as a disputed account. I have disputed this missed payment with all three credit reporting agencies, and they all responded that XXXX confirmed the information, and that they would not remove the missed payment from my records. I have since closed my account with XXXX due to this situation. I would appreciate any help that could be provided to remove this single missed payment from my credit reports since this is the only blemish on my credit reports after decades of perfect payments, it was not my fault, and XXXX failed to inform me that a payment was overdue by any of the methods that I had setup on my account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
It was noticed that my credit card was used on an explicit site without my knowledge, it was also used for more than what I authorized it to be used for on XXXX. I acknowledge my authorized charges line by line with Chase but pointed out charges that were not authorized by me. Chase decided to claim all as authorized charges when they are not. I reported the fraud within 30 days and all charges that were brought to my attention after not knowing they were made. This card was only used for XXXX with end of year use on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding my auto loan account with Toyota Motor Credit. Account Information : Creditor : Toyota Motor Credit Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/year> Status : Charged Off {$16000.00} Balance This account reflects a repossession and charge-off ; however, I have serious concerns regarding the handling of the repossession and subsequent sale of the vehicle. I did not receive proper notice of the repossession sale. Specifically : I was not informed of the location of the vehicle after repossession I did not receive a Notice of Sale prior to the vehicle being sold I was not notified whether the sale was public or private I did not receive a post-sale accounting showing the sale price or how the remaining balance of {$16000.00} was calculated Because of this, I have reason to believe that required repossession procedures were not followed. Request for Documentation I am requesting that Toyota Motor Credit provide the following : Proof that a Notice of Sale was sent and delivered, including date and method of delivery The location of the vehicle after repossession The date of sale and whether the sale was public or private The sale amount of the vehicle A complete post-sale accounting showing how the deficiency balance of {$16000.00} was calculated Documentation demonstrating compliance with all applicable repossession laws Credit Reporting Concern Despite the lack of proper notice and documentation, this account is currently being reported as a charged-off balance on my credit report. Under the Fair Credit Reporting Act, all reported information must be accurate and verifiable. If Toyota Motor Credit is unable to provide the requested documentation, I am requesting that this account be : Removed from my credit report entirely I am seeking : Full validation of this account and repossession process Correction or removal of inaccurate or unverifiable reporting Confirmation that all legal requirements were followed I expect a thorough investigation and response within the timeframe required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a large check from my divorce settlement on XX/XX/year> in the amount of {$25000.00} to Bank of America XXXX XXXX XXXX in XXXX TX and they told me there would be a hold due to being a new customer. Today I go to check my mobile app to see status of my account, they closed my account without warning because of Hold notice {$25000.00} We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned. Without warning or any information they cancelled my account, and I dont have access to my very legal and legitimate money from a settlement.

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am a person with a XXXX ( AuDHD ) that makes telephone communication a significant barrier. I have repeatedly requested to negotiate a debt hardship program via the Secure Message Center or email as a reasonable accommodation. XXXX has flatly refused, stating their procedure 'does not include follow-up ' and insisting I must use the phone or have a third party call for me. This is a denial of equal access to financial services. I am requesting that XXXX be required to engage in these negotiations in writing. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as SYNCB/PPC - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that SYNCB/PPC has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

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 2026-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Improper Seizure of Property / Fraudulent Debt Collection Practices Description : XXXX XXXX performed an unauthorized seizure of my vehicle [ VIN ] on [ Date ]. I was financed through Bridgecrest. I have confirmed with the bank that my loan was in good standing and no repossession was authorized by the lender. XXXX acted independently to seize the vehicle based on a " valuation mistake '' they claim to have made I had in fact called Bridgecrest, and they confirmed they did NOT authorize a repossession. Therefore, the car was taken without legal authority. '' There's no call made to the police either for the fact of it being a civil matter. There is no signed contract reflecting the debt XXXX claims I owe. Furthermore, the seizure was performed without any " Notice of Default '' or " Right to Cure '' as required by law. By taking the vehicle without the lender 's consent, XXXX has interfered with a legal finance contract and deprived me of my primary transportation without due process. Desired Resolution : I am seeking a full monetary settlement in lieu of the vehicles return. Because XXXX seized the vehicle without a legal contract or lender authorization, they have effectively stripped me of the equity I traded in from my first vehicle. My requirements for resolution are : Full Equity Reimbursement : A cash payment equal to the total value of my original trade-in and any payments made toward the second vehicle. Compensation for Wrongful Seizure : Monetary damages for the distress caused by an unauthorized XXXX XXXX seizure on my private property and the subsequent loss of use. A Formal Written Apology : A signed statement from XXXX management admitting to the clerical error and the unauthorized nature of the recovery. Assurance of Credit Protection : A written guarantee that XXXX will not report this internal " valuation dispute '' to any credit bureaus in the future. I have attached my original and ONLY contract. As mentioned, there was no formal contract for the Additional cost they were requesting. To prove my point, emails attached as our correspondence. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I used cashapp. My phone broke i didn't use it for about a week. I got a new phone on XX/XX/year>. I signed into cashapp. I tried to sign out of all other devices cashapp would not let me it kept saying it couldn't be done at this time. I sent my daughter XXXX XXXX XXXX for food and went about my day around XXXX I looked at my phone and seen a notification that my transaction went through even though I hadn't made any transactions. I immediately signed into my cashapp and seen there were XXXX transactions totaling XXXX. XXXX to XXXX XXXX for XXXX XXXX to XXXX XXXX for XXXX and XXXX to XXXX XXXXXXXX for XXXX a piece these all went through from XXXX to XXXX. I immediately deleted all my linked accounts off cashapp and called them to dispute the charges because I did not make them. After I filed the disputes I contacted XXXX police department and filed a police report. I tried to upload my police report for the next XXXX or XXXX days and was told cashapp did not need it and they would reach out if they needed anything. They then s enied my disputes saying that I made the transactions when in factbi did not. I then filed an appeal with my police report as well as all of the screenshots of the messages where I tried to upload the police report to them. I also reported the users and blocked them. Cashapp then deleted my account and said I fraudulently filed disputes which I did not denied my appeal and so I requested the documentation they used in their investigation to come to this decision. They have provided me with a list of the transactions that I disputed. That is it I have included that as well as the screenshotted messages between customer service and myself my police report and all the documents cashapp has sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I am disputing unauthorized XXXX charges on my Barclays AAdvantage credit card. There were multiple charges, including duplicate charges for the exact same amount, which I did not authorize and did not use. I reported the transactions promptly after noticing them. Barclays initially issued a provisional credit, but later reversed it and stated that the charges were valid based on documentation provided by the merchant. However, no actual evidence has been provided to me to support that conclusion. Specifically : I have not been provided any booking confirmation in my name I have not been provided any evidence that I used or benefited from the service ( such as check-in or travel records ) I have not been provided any evidence tying the transaction to me ( such as IP address, device, or login activity ) I have not been provided any proof that I authorized the charges beyond the merchants claim I have not used this XXXX account in years. After contacting Barclays, I was advised to close the XXXX account, which I have done. I have made multiple attempts to contact Barclays to understand the basis of their decision, but I have been unable to reach anyone who can provide details. I have experienced repeated callbacks and have not received a clear explanation or supporting documentation. Despite this, Barclays is holding me responsible for these charges. I am requesting that Barclays : Provide the actual documentation used to determine the charges are valid Explain how duplicate charges for the same amount were determined to be legitimate Reopen the investigation and remove liability for any charges that can not be substantiated as authorized by me I am formally disputing responsibility for these charges and requesting a thorough, evidence-based review as the conclusion provided does not appear to be supported by verifiable evidence.

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 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
BMO Bank is very deceptive in its communications regarding overpayments on my installment loan. I find their overpayment process to be predatory. When an overpayment is made, they state that " your next payment due date has advanced '' because the overpayment satisfies future principal portions of future payments. However, it does NOT satisfy the interest portion of those future payments. For example, if a payment is {$1000.00} ( with {$300.00} going to principal and {$700.00} to interest ), and I make a {$1300.00} payment, they will say my next payment is due in two months. However, the next three payments end up being interest-only payments. Because they apply the overpayment to future payments, the interest continues to accrue on the full balance, not a reduced principal balance. When you message them to mark the overpayment as principle only, the respond " oh it already is '' but ITS not, Its a future payment and does not reduce the amount of interest paid on 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 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting and debt collection practices. I was contacted regarding a debt originally with XXXX that has been assigned or sold to TrueAccord. When I spoke directly with XXXX, they confirmed that the balance owed on the account is approximately {$130.00}. However, the amount being reported on my credit report by TrueAccord is {$160.00}. This discrepancy has not been properly explained or validated. I have not been provided with an itemized breakdown showing how the balance increased from the original creditors amount to the amount currently being reported. I believe this may be a violation of the Fair Credit Reporting Act, as the balance being reported does not appear to be accurate or consistent with the original creditors records. I am requesting that TrueAccord : 1. Provide a full itemized validation of the debt, including any fees or adjustments 2. Correct the reported balance to reflect the accurate amount 3. Ensure that all credit reporting to XXXX, XXXX, and XXXX is accurate and consistent Additionally, I attempted to resolve this matter by discussing a settlement ; however, I want to ensure that any reporting is accurate and fair before making payment. I am requesting a prompt investigation and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My father opened up these cards in my name without my consent!! He illegally signed for them. He was attaching his bank account to them and then paying a little bit charging recklessly. He went to prison for FRAUD!! And they wont cancel the accounts or close them and are demanding I pay but I didnt make the purchases! I never even had physical credit cards or could see them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am filing a complaint regarding deferred interest charges applied by Synchrony Bank on a promotional financing purchase. The purchase was made through XXXX XXXX XXXX for furniture on XX/XX/XXXX that was not delivered as originally expected. The order was fulfilled in multiple stages over several months, with partial delivery occurring around XX/XX/XXXX and the remaining items delivered around XXXXXXXX XXXX XXXXXXXX. While the full purchase amount may have been billed upfront, the merchandise was not delivered in full at that time. This created a disconnect between the billing timeline and the actual fulfillment of the purchase. At the time of purchase, I was informed by the retailer that the promotional financing period, including any applicable interest, would begin after the full delivery of the merchandise. Based on this information, I acted in good faith and structured my payments accordingly. However, Synchrony Bank applied deferred interest starting from XX/XX/XXXX, prior to the completion of the full delivery. This resulted in significant and unexpected interest charges that do not reflect the actual delivery timeline or the information provided at the time of purchase. I do not have access to exact delivery records, and the retailer has since permanently closed, making it impossible to retrieve documentation or verify the information provided at the time of sale. I made multiple attempts to resolve this issue directly with Synchrony Bank, including escalation to a supervisor, but my request for adjustment was denied. This situation involves delayed fulfillment of goods and reliance on incorrect or incomplete information provided at the point of sale, which directly impacted my ability to comply with the promotional financing terms. I acted in good faith based on the understanding given to me at the time. Given these circumstances, I am requesting the full removal of all deferred interest charges applied to my account as a fair and reasonable resolution.

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 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from Experian inviting me to apply for an auto loan refi. I did so. It was through a company called " XXXX '' I was assigned a loan officer named XXXX who had an email address with the domain " XXXX ''. The next day, I received a text from XXXX saying, " Good news! We've got an approval for your refi! '' and she wanted to call me. I said I first wanted to review the documentation of the loan terms I was approved for. I would have been happy to have a call AFTER I knew the offered terms and therefore whether it would be viable for me to take off of work to have a phone call. She said they only discuss terms verbally and don't provide written documentation. I clarified with her several times, saying I'd be happy to accept documentation via XXXX but she still refused. I then emailed the company who confirmed they would not provide written documentation of my loan terms. I have screenshots of all of this.

Company response to consumer: Closed with explanation