vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Figure Technologies, Inc
State: NV

Complaint narrative:
My original loan was for the amount of {$50000.00} but I did not use the whole amount. So, the loan was for the amount of {$20000.00} plus {$1400.00} fees. The loan was made around XX/XX/XXXX, 30 years with 11.55 %. Payment of {$240.00}. On XX/XX/XXXX, I called the loan company to find out what was my current balance. To my surprise I was told my balance was {$21000.00}. Wow after making payments since XX/XX/XXXX I now owed more than my origan loan. I called the company and also sent them an email, and a certified letter asking for my records. On XXXX XXXX I received an email stating that my current balance was now {$24000.00}. I now owed {$3100.00} more than when I called them a month before. That does not sound right to me, how can I own more than my original loan after making all my payments on time. Please I do not have the resources to fight this on my own, I need help, clarifying whats going on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I would like to file a formal complaint against Coinbase. I opened an account and make several small deposits and there was always a hold so I contacted the customer support and was told that it was because it was an ACH from my bank and to avoid delays, I could wire the funds and they would be available immediately. In accordance with their instructions, I wired the funds and converted them to XXXX at a cost of {$560.00}. I joined their membership program which was supposed to provide concierge services. I then attempted to transfer the funds to one of my personal wallets, and they attempted to place a 5 day hold on the transaction. Based upon this, I scheduled a call with my concierge who informed me that he would attempt to get it cleared. Ultimately not only did he not get it cleared but the LOCKED my account and told me I could not transfer XXXX and if I wanted to get my funds, I would need to convert it back to cash and then I could send it back to my bank. This was an additional cost of {$550.00}. In total I was charged {$1100.00} not because I changed my mind, but because Coinbase refused my transfer and any transfer of XXXX. This is absolutely unacceptable and when I reached out to my concierge, he basically told me that their fees were disclosed in their agreement. I understand that IF I had been able to complete my transaction that those fees would have been charged, but the transaction was not completed because of COINBASE not because of any action by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: KS

Complaint narrative:
Purchases from XXXX XXXX, an aftermarket firearms parts manufacturer automatically results in the closing of gift cards purchased from Vanilla Gift Cards, managed by XXXX Payments in direct violation of Executive Order ( E.O. XXXX ), " Guaranteeing Fair Banking For All Americans. '' Cards are put " On Hold '' and when cardholders call to have the hold removed, they are informed that the hold can not be removed from existing card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Dispute of Inaccurate Credit Information To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report. After reviewing my credit file, I found an item that I believe is incorrect and should be investigated. Account Name : [ Creditor/Collection Agency Name ] Account Number : [ Last 4 digits or full account number ] Reason for Dispute : [ Explain clearly e.g., This account is not mine, This debt has already been paid, Incorrect balance, etc. ] I request that you conduct a thorough investigation of this matter in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Please provide verification of this account, including any documentation that supports its accuracy. If you are unable to verify this information, I request that it be removed from my credit report immediately. Additionally, please send me a copy of my updated credit report once your investigation is complete. Thank you for your prompt attention to this matter. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX To whom it may concern, On XX/XX/2025 my company was hacked- frauded out of money from my Citibank corporate account. They stole through ACH WIRE TRANSFERS FUNDS totaling {$420000.00}. On XX/XX/2025 Citibank returned {$74000.00}. My company is still short {$340000.00} plus fees and interest. I need help. Citibank will not return any of my phone calls or e mails. Best, XXXX XXXX XXXX XXXX XXXX cell XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
I am filing a complaint regarding debt collection practices by XXXX XXXX XXXX, XXXX. and Mandarich Law Group , LLP. Prior to any litigation, I sent multiple written requests for validation of the alleged debt via certified mail on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. These requests included demands for the original agreement, full accounting of the balance, and documentation establishing the right to collect. These requests were received, but no meaningful response or validation was provided. Despite this, a lawsuit was filed against me seeking to collect the alleged debt under an account stated theory, which assumes no dispute exists. This is inaccurate, as I had already disputed the debt multiple times in writing. I believe this conduct is improper because the debt remains unverified, yet legal action was initiated to collect it. I am requesting that the companies provide full validation of the alleged debt, including : The agreement governing the account A complete accounting of the balance Documentation establishing their right to collect I also request an explanation as to why litigation was initiated despite multiple unresolved written disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: VA

Complaint narrative:
On XX/XX/year>, I paid my taxes to XXXX XXXX Va, in the amount of {$67.00} with my Cash App debit card. At some point that evening someone created a Cash App account, using the name XXXX XXXX, and transfers out of my Cash App balance {$67.00} twice. That same evening this person created another account, called XXXX XXXX, and transferred {$75.00} from my Cash App balance. The next day I called Cash App, to dispute the charges. The agent took my statement and informed me that the investigation process takes about 10 days. About 10 days later, I received an email denying my claim, stating that my " device '' ( my XXXX ) was in my possession and that I must of authorized the transactions. So, I filed an appeal, stating that its pretty obvious that XXXX. Someone was impersonating a government entity when creating an account called " XXXX XXXX '' XXXX. Why was the accounts of " XXXX XXXX '' & " XXXX XXXX '' not contacted? XXXX. When I started a Cash App account, I had to verify my identity. How did someone verify their identity as being a government agency. XXXX. Why can I not get a copy of whatever " investigation '' you did? XXXX. I think the fact that the transfers being made to accounts with such generic names, throws up a red flag. Also ( if checked ) I am willing to bet the accounts were created the day of the transfers, the money was immediately withdrawn, and probably closed soon after! About 10 days after I filed the appeal, I received another email, with the same response as the first. The transactions were not done from my device and I would like Cash App to prove this by a check of the IP address of the device used to make the transfers. Additionally, I need to know who these people or companies are that I transferred money to? I would like to know if these account holders were contacted to prove their identity. I believe my account was compromised and ( if a proper investigation was done ) that Cash App would find these accounts to be fraudulent! After asking around amongst friends, I have found this to be a very common practice done by Cash App and believe this is a continuation of the fraud committed by the original perpetrators. If a full investigation is not done, then you are just allowing the fraudsters to continue their theft of your customers money. All I have wanted is a full investigation done and at that point, I know Cash App would find this all to be fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing a complaint regarding a denied fraud claim by Regions Bank involving an unauthorized electronic fund transfer. On XX/XX/year>, while in XXXX XXXX XXXX, I used transportation services and was quoted a fare of approximately XXXX pesos. I initially requested the ride through XXXX, but the driver stated the ride was cancelled in the app but he could still take us the destination for the same amount. However, I was later charged a significantly higher amount that I did not authorize. The driver charged my card for XXXX pesos which is XXXX $ in USD saying that I tipped him XXXX $ on a XXXX $ fare which is inaccurate. I was misled regarding the actual amount being processed. I submitted a dispute and provided documentation, including a receipt. Regions Bank denied my claim, stating that because the receipt matches what the driver submitted, the merchant is entitled to the funds, and I must resolve the issue with the driver. I am disputing this conclusion. I talked to the Regions representative, and she stated that the receipt was in Spanish so they could identify which was the fare and which was not the fare amount which means that they did not thoroughly evaluate the receipt I even mentioned on my copy I highlighted the fare and the tip difference which also indicates they did not even read my information .. My claim is not about whether a receipt exists, but whether I authorized the final amount charged to my account. I did not authorize the higher amount. I was misled into approving a transaction under false pretenses. Under Regulation E, consumers are protected against unauthorized electronic fund transfers, including situations where the consumer did not knowingly approve the actual amount charged. Regions Bank appears to have based its decision solely on the existence of a receipt, without properly evaluating whether the transaction amount was authorized. Additionally, I do not have a reasonable way to resolve this matter directly with the driver, and the banks instruction to do so is not appropriate given the circumstances of the transaction. I am requesting that Regions Bank : 1. Reopen and reinvestigate my claim under Regulation E 2. Provide documentation showing how they determined that I authorized the specific amount charged 3. Issue a refund for the unauthorized portion of the transaction This situation involves a deceptive transaction, and I am requesting proper consumer protection under federal law.

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 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
Issue : High-cost loan / predatory lending Company : Advance Financial / XXXX I opened a line of credit with Advance Financial in 2019 for approximately {$100.00}. The account carries an extremely high APR ( approximately 360 % ). Since opening the account, I have made consistent biweekly payments for several years. Based on my records, I have paid several XXXX dollars toward this account. Despite these payments, my current balance remains approximately {$93.00}, and recent statements show that my payments are being applied entirely to interest, with no reduction in principal. This creates a situation where payments do not reduce the balance and effectively function as ongoing interest-only charges. I am concerned that this loan structure is predatory and results in perpetual repayment without meaningful progress toward payoff. I am requesting a full review of this account, including : A complete accounting of all payments, interest, and fees Consideration of a refund of excessive interest paid Waiver of the remaining balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I asked Capital One to tell me the specific account numbers, dates, and status of the delinquent past or present obligations they are using to deny my credit card application. Customer service and the recovery department both stated they can not see or access the information being used by underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
I am submitting this complaint as a XXXX XXXX XXXX XXXX, financial fraud, and a coordinated scam that resulted in a personal loan being opened in my name without my authorization. In XX/XX/year>, I was contacted by individuals representing what they described as a legitimate government-backed debt forgiveness program. I was told this program was legal, widely used, and required urgent participation due to limited funding. Based on these representations, I believed the process was lawful. Without my knowledge or authorization, a personal installment loan in the amount of {$50000.00} was opened in my name on or about XX/XX/year>. I did not complete any loan application, did not sign any documents physically or electronically, and did not communicate directly with BEST EGG prior to loan approval. The loan documentation contains materially false information, including employment and income details that are not mine and were never verified with me. After the funds were deposited into my bank account, I was instructed under false pretenses to transfer a portion of the proceeds as part of the supposed program requirements. On or about XX/XX/year>, I wired approximately {$36000.00} to third parties. I was told these funds would be used to make initial loan payments and qualify for forgiveness. An initial XXXX payment was made in XX/XX/year>, which reinforced my belief that this program was legitimate. However, the individuals involved became unreachable, and the XX/XX/year> payment was not made on my behalf. At that point, I realized I had been the victim of a scam. In XX/XX/year>, with a completion in XXXX, I reported the fraud to BEST EGG, and also filed an FTC Identity Theft Report ( Report # XXXX ). I also filed a police report and provided a notarized written statement documenting this crime. I formally submitted a written Notice of XXXX and Demand for Rescission and requested that this loan be treated as fraudulent, that all collection activity be halted, and that communication be conducted in writing only. Despite this, I continue to receive repeated collection calls and text messages, and my credit report continues to be negatively impacted. I have not received written confirmation of the fraud investigation status or any meaningful response addressing the identity theft. This is not a case of inability to pay. This is a documented case of identity theft involving false underwriting information, lack of authorization, and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Innovative Recovery, account # XXXX has been reported on my credit report claiming a debt I do not owe. I provided the leasing company, XXXXXXXX XXXX XXXX XXXX, a notice that I was moving out within the time allowed. The management group in accounting said the notice was not adequate per the lease, so I called the leasing office to resolve it and they stated they would handle it with accounting. I never got a call back or any other invoices until the collection notice 198 days after my face to face with the leasing office. I paid my early termination as instructed by the leasing office of {$1000.00} dollars and my final invoice of {$61.00} no additional charges when I left and gave them my keys. I called the leasing office 2 times after that and they never returned my call. It is my understanding that the management group and the manager that authorized my move out left the company. I assumed it was resolved. I got a number of emails confirming from the apartment acknowledging my move out from the complex. I have attempted numerous times to dispute the account and even disputed it directly with the collection company. XXXX removed the account as it could not be verified, however XXXX and XXXX XXXX have ignored my attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland debt collection agency has been attempting to collect a debt that I do not owe them. This is an account I did not open. When I seen this on my credit report, I disputed it immediately! This company has ILLEGALLY obtained a judgement against me in court. They failed to serve me a court date, not allowing me to show up and maintain that this is not my account. They NEVER PROVIDED ANY PROOF ( identification, signature ) that this is my account! My name should be in with the many lawsuits against them for doing the exact same thing to other innocent, honest people like myself

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
The medical bills that have accumalated, but no services werent provided as it stated per discharge papers..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: DriveTime
State: TX

Complaint narrative:
Purchased vehicle from Drivetime XXXX Tx in XX/XX/year>. From the beginning the vehicle had issues- check engine light came on less than 10hrs after purchase. I was told that there was a rush In refurbishment due to shortage of vehicles but I could leverage maintenance contract and deductible to fix. XXXXXXXX XXXX XXXX diagnosed the issue with transmission but were unable to repair. Soon after, less than 30 days delinquent XXXX repossessed vehicle and states that loan is terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
XXXX recalled the debt in XXXX of 2025. Southwest Credit Systems LP is still reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One is reporting a charged-off account on my credit report. I disputed this reporting through the credit bureaus. The bureaus claim the account was verified as accurate. Capital One has not provided me with a copy of the original signed agreement, complete payment history, or documentation supporting the reported balance and charge-off status. I am requesting that Capital One provide documentation supporting the reporting or request deletion from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
They reported that I owed them XXXX $ for a account that I dont have and also Ive requested proof that the information was correct and in my name I got no response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: NE

Complaint narrative:
XX/XX/scrub>XXXX someone opened a checking account in my name with the correct identification and address information ; I filed a police report for this to be investigated. Police Report number on file with US Bank

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