vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: IN

Complaint narrative:
Dear XXXX XXXX XXXX XXXXXXXX XXXX, I am submitting a formal complaint regarding Uprova Credit , LLC, which I believe may be engaging in unfair or potentially unlicensed lending practices in Indiana. 

I borrowed {$1900.00} from Uprova and have already paid a total of {$2800.00}. Despite this, my account still shows a balance of {$1600.00}. While I agreed to the loan, the interest and fees applied have made the payments unmanageable, and I am experiencing financial hardship. 
On XX/XX/year>, I sent a formal email to Uprova requesting an immediate stop to automatic payments and a full itemized accounting of my payments, interest, and fees. 
Uprova responded on XX/XX/year>, acknowledging the revocation of automatic payments. 
However, their response confirmed that : Payments are still due as defined by the payment schedule. 
Interest on my account continues to accrue. 
I am concerned that : The interest and fees charged may not comply with Indiana state law.

Uprova may not be properly licensed to operate in Indiana. 
My account balance has become unmanageable despite having paid significantly more than the original loan amount. 
I request that the Indiana XXXX investigate Uprova Credit , LLC, including verifying their licensing, reviewing the legitimacy of the loan and charges, and taking any necessary action to protect consumers. 
Attached are : My formal email to Uprova requesting the stop of automatic payments.

Uprovas response acknowledging the revocation of automatic payments. 
My payment records showing total amounts paid. 
Thank you for your prompt attention to this matter. I am available to provide any additional information or documentation needed.

-I tried to send via email with attachments and it bounced 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 explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, an unknown person gained unauthorized access to my Bank of America checking account through mobile banking and sent {$1000.00} via XXXX to a person I do not know. I did not authorize this transfer and did not benefit from it. 

I reported the transaction immediately and filed a fraud claim with Bank of America. The bank denied my claim, stating the transaction was authenticated using my device and biometric login. I requested a review and the claim was reopened, but Bank of America denied the claim again for the same reason. 

I have filed an FTC Identity Theft affidavit and a police report. This was an account takeover resulting in an unauthorized electronic funds transfer. Authentication alone does not equal authorization under Regulation E, and I did not authorize this payment.

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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Hello, I am submitting this complaint regarding the closure of my Discover credit card account, which I believe was done incorrectly and without proper consideration of prior notice I provided to Discover. 

In XXXXXXXX XXXX XXXX XXXX, during the first or second week of the month, I moved XXXX  to XXXX, XXXX, for school. Prior to leaving the XXXX XXXX  I proactively contacted all of my credit card issuers, including Discover, XXXX XXXX, XXXX, and XXXX, to notify them of my international travel and expected period of reduced or no activity on certain accounts. The purpose of these calls was to inform issuers of potential inactivity and, where applicable, to place travel notices for international usage. 

During my call with Discover, I clearly explained that I would be living abroad for an extended period and that there could be inactivity on the account until my return. Discover acknowledged and agreed to this notification. 

Upon returning and reviewing my accounts last week, I discovered that all of my credit card accounts remained open and functional except for my Discover account, which is my oldest credit account. When I contacted Discover to inquire, I was informed that my account had been closed due to inactivity, allegedly by an automated system. 

I immediately escalated the issue and spoke with a supervisor. During that conversation, I was told that Discover had sent a notice of closure to my former XXXX home address and that, for this reason, the account could not be reopened. I explained that this made no sense given that I had proactively notified Discover of my international relocation and extended absence, and that no request was made at that time to update my mailing address. I was also told that Discover only sends such notices to physical addresses. 

The supervisor stated that he understood my situation and acknowledged that, based on the notice I had provided prior to leaving the country, Discover should have kept the account open. However, I was told that nothing further could be done to reopen the account. I requested that the closure letter and full account details be resent to me. 

My primary concern is that Discover cites inactivity as the reason for closure, despite having been notified in advance and having agreed to that inactivity. This closure has caused significant harm to my credit profile, as this account was my oldest credit line, carried a high credit limit, and materially contributed to my length of credit history and overall utilization. The closure has negatively impacted my credit score through no fault of my own. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone opened a XXXXXXXX XXXX XXXX  under my name using a different address, maxed out the card, and then defaulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
i have been attempting to try to pay this debt since XXXX of XXXX its now about to be XX/XX/XXXX XXXX XXXX paid and issued payment out They are stating they dont have payment i was provided with statement saying they cashed payment they have been rude aggressive and actively trying to collect on a payment that has been payed and will not update credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
Hello In XXXX my phone was stolen making me lose access to my cashapp, I have a little over {$600.00} in that account but cant access it due to my account being closed. I tried to create a new account so The Cashapp customer service team can transfer my funds from the old account to the new one, But when I try to make a new account it closes immediately because the new Cashapp is connected to the old one through my Social security number and other personal information. It is impossible for me to gain my money through this way. Ive been trying since XXXX but Cashapp did not have a reliable Customer service team, They only had live chats with no humans involved. Cashapp said I violated the terms and policies of the app but everytime I ask what did I specifically violate the Representatives say they cant see anything further then me just violating terms and policies. But I did not violate terms or policies because most of the money that I sent or received had a note attached to it letting the app and person know what the money was for. In XXXX I got a email from the CFPB about a potential payout from Cashapp due to you guys having a lawsuit against them, But I responded to late as the lawsuit had already passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
" I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a debt of approximately {$2300.00} originating from a XXXXXXXX XXXX XXXX 
In XX/XX/year>, I moved out of my apartment. I had a verbal agreement with the property manager to adjust the final rent amount. Recently, I began receiving phone calls from the collection agency. During these calls, the representative used aggressive and deceptive tactics, specifically threatening me with 'willful evasion of debt ' and claiming they would take legal action within 48 hours if payment was not made.

Under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a collector to misrepresent the legal status of a debt or threaten actions they can not or do not intend to take. 'Willful evasion ' is not a criminal charge for consumer debt. Furthermore, I have never received a written validation notice as required by 15 U.S. Code 1692g.

I am disputing the validity of this debt and the amount charged. I request that the company : Cease all telephone communication immediately.

Provide a full, itemized ledger of the {$2300.00} balance.

Provide a copy of the original lease agreement.

Cease all deceptive threats regarding criminal charges or 'willful evasion '. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am disputing an account that was opened through identity theft. I never applied for or authorized this account. I have already disputed this matter with the credit bureaus and provided proof of identity theft, yet the account remains on my report without proper validation. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Financial Institution : BMO RE Account : XXXX  XXXX Account Number : XXXX To Whom It May Concern, I am submitting this complaint on behalf of XXXX XXXX regarding improper restrictions placed on our BMO business account ( # XXXX ) following a dispute related to a single incoming wire transfer of approximately {$7000.00}. XXXX XXXX has maintained a legitimate, year-long business relationship with an overseas payment processor, XXXX XXXX XXXX XXXX XXXX ( XXXX ) , during which we regularly received wire transfers representing customer sales proceeds. The recent wire in question is consistent with this established transaction history and is not fraudulent. XXXX XXXX has not authorized any recall or return of these funds. XXXX Payment has attempted to characterize a private commercial dispute as fraud, there is no evidence of unauthorized access, account compromise, or fraudulent activity involving XXXX XXXX. Any dispute regarding that wire is a matter between the parties and does not justify broader banking restrictions. Critically, BMO has restricted access to all accounts both business and personal with over {$100000.00} of XXXX XXXX  funds that are entirely unrelated to the {$7000.00} wire. Even if an investigation were appropriate, BMO can not legally or fairly restrict unrelated funds or freeze the account as a whole absent a valid court order or proven unauthorized transaction. Such action exceeds reasonable investigative measures and has caused material harm to our business operations, including disrupted payments and lost opportunities. XXXX XXXX does not object to a good-faith investigation of the specific wire. However, restricting access to unrelated funds constitutes an improper account freeze and is inconsistent with applicable banking standards and UCC Article 4A principles. XXXX XXXX XXXX XXXX XXXX XXXX will take all necessary actions to protect its business interests, including pursuing legal remedies for damages and associated attorneys fees caused by the improper restriction of funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I deposited funds in my PNC account in XXXX XXXX Florida. Within the next two hours, my account was completely frozen, and I was not able to use my debit card nor access my funds when I went into the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a XXXX  on XX/XX/XXXX for the amount of {$120.00}. I contacted them to cancel it as I changed my mind, they cancelled it and refunded me to the XXXX account in XXXX credits, I informed them I want to be refunded to my original payment method [ credit card ]. So they did this. The next day I saw another transaction for the same amount {$120.00} from XXXX  on my credit card transaction history. XX/XX/XXXX. I contacted the bank and reported it as fraud, the bank credited me for the amount. Today XX/XX/XXXX the bank took that money back from me and I have a balance on my account of {$120.00} from XXXX again, I keep calling the bank to resolve this but they are denying there is two charges. I have proof on my XXXX  account that I was charged twice and on my bank statement. They are refusing to fix this and making me feel XXXX  and paying for something which I did not receive!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: DISCOVER BANK
State: CA

Complaint narrative:
This complaint is a continuation of CFPB Complaint # XXXX. 

I previously filed a complaint regarding Discover Banks failure to properly investigate a fraudulent credit card charge of {$13000.00}. After that complaint process concluded, I sent Discover a written notice giving them 10 business days to resolve the dispute. 

Discover received that notice on XX/XX/year>. 

After receiving my documentation, I spoke with a Discover representative who confirmed the materials were received and reviewed. I was told that after only a quick review, Discovers position would not change and the fraudulent charge would not be removed. 

The deadline I provided has now expired, and Discover has refused to correct the fraudulent charge despite documentation, a police report, and formal written notice.

This constitutes a continued failure to conduct a reasonable investigation under the Fair Credit Billing Act and ongoing unfair billing practices.

I am requesting CFPB assistance in requiring Discover to : Remove the fraudulent charge Correct any related negative reporting Provide written confirmation of compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX from XXXX to XXXX. I had XXXX XXXX private loans that went to Mohela. I now owe XXXX XXXX Balance : {$100000.00}. My Federal loans for the same school were discharged due to misconduct by the school. I have explained this to Mohela, sent them my discharge application and they denied it, though they never provided a letter stating why it was denied. I have called them many times and left them voicemails and they still have not proivded any information as to why my application was denied. 

I have recenlty sent them a package in XXXX which they have not replied to and Just now sent them one by uploading it to their website as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC
State: TX

Complaint narrative:
I received a notice by mail on XX/XX/XXXX indicating that as of XX/XX/XXXX my money or property had been frozen or seized ( garnished ) because XXXX XXXX, XXXX has filed a garnishment proceeding to get money for debt that is owed. I have made several attempts to get a hold of this company to request additional information and resolve the matter as quickly as possible but this company does not call me back, email or send additional correspondence to come to a resolution. There have been numerous attempts to get an answer and the lack of response has left me in XXXX  both financially as well as mentally. My account has been depleted more than {$8200.00} till this day! I have tried to reach out to them by phone, email and correspondence with no luck. 
Attached you will find the two letters that have been sent out to them with the most recent one with date of XX/XX/XXXX sent by certified mail. If additional information is required please do not hesitate to contact me by phone XXXX or email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: MI

Complaint narrative:
I filed a dispute with PayPal regarding an international purchase after the seller requested that I return the items. PayPal required that I return the items and pay for international return shipping at my own expense in order to proceed with the dispute. 

I fully complied with PayPals return requirements by shipping the items to the sellers provided return address and submitting XXXX tracking number XXXX along with photographic proof of the return. 

XXXX tracking shows that the item is being processed by customs in XXXX. There is no indication of seizure, confiscation, or enforcement action.

Despite this, PayPal incorrectly stated in writing that I claimed the item was confiscated by customs, which I never said. Based on this false internal classification, PayPal demanded documentation from a government agency that is not available to consumers and then closed my case as ineligible for Purchase Protection. 

I repeatedly requested manual review and supervisor escalation up until XX/XX/year>. I spoke with a PayPal representative named XXXX, who assured me that a supervisor would contact me before the dispute closed. No supervisor ever contacted me, and the case was closed without proper review. 

I fully complied with all PayPal return requirements and relied on PayPals instructions and assurances. PayPal 's policy says buyer 's must : " provide proof of return shipment to the seller 's address which I have valid proof ( see attached photo 's ) The dispute was resolved based on false information and misclassification. I am requesting that PayPal reopen and properly review this case and issue the appropriate refund under Buyer Protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
Renewal Credit card was stolen in mail and used to make purchases that I did not make or authorize at places Ive never been credit card company said they verified charges with all merchants I asked them if they verified it was me who made charges they did not give me an answer on phone said charges were verified for XXXX dollars and change they did not provide monthly statement availability to me from XXXX thru XXXX I can only see XXXX statement this month of XXXX  and my XXXX XXXX has gone down for being over the limit on account that I was not able to see in when I called several times and that was never resolved either it was a Mastercard that was supposed to be covered for fraud

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