vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
So XXXX was traded in XXXX I canceled the gap and was owed a refund of almost {$900.00}. The dealership did an ACH payment to pay the full balance off and get the title account was closed and paid in full with a confirmation number. I have been trying to get my gap refund since XXXX and we are almost in XXXX now to find out that they reopened the account and somehow put a balance of XXXX and some odd dollars on there and decided to remove that from my gap refund that I was owed without discussing this with me or telling me this what concerns me is the car was paid in full long was closed on my credit report and Im not sure how it is legal to just take a sum of money from a gap refund check to pay a balance that should not even exist because the car was paid off in full and we have the confirmation of the ACH and the number given by Hyundai motor finance that the car was in fact paid off. I have made several calls to the tune of about XXXX over the course of the last few weeks and was just told this week that I would not be getting my gap refund check because they took it to pay the balance that they are trying to say that was owed however, Im confused on how there was a balance when the car was paid off in full by the dealership that I traded it to because they called with me on the phone to get a full payoff and paid it off that day we have the confirmation number and the XXXX number and all of that I have made several calls and get multiple stories and I do not understand how this is legal to keep money for something that was paid off and I am requesting on my full amount of my gab refund that I canceled XX/XX/XXXX. I have a confirmation paperwork and how much I was supposed to get back, I have also contacted the attorney general about this matter.

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 2026-03-26 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving a long-standing credit card dispute regarding a {$1300.00} charge from a hotel reservation made through XXXX in XX/XX/XXXX. I have been a loyal XXXX Bank customer since XXXX, holding a mortgage and XXXX other accounts in addition to my credit card, and I am reaching out because my previous attempts to resolve this with the claims department have been unsuccessful. The dispute is based on the following facts : - Misrepresentation : The hotels physical address and appearance differed significantly from what was advertised on XXXX. - XXXX of XXXX : The reservation did not state it was non-refundable at the time of booking. - Extenuating Circumstances : I experienced a death in the family and was unable to attend. Both the hotel and XXXX refused to adjust the dates or offer a refund. Most importantly, I received a letter from XXXX Bank on XX/XX/XXXX, stating that I would not be held liable for the charge if an agreement was not reached within XXXX billing cycles. Despite this, I received a letter on XX/XX/XXXX, stating that I am now responsible for the {$1300.00} balance. I have contacted the claims department XXXX times. While several supervisors have indicated over the phone that the charge should be written off, the department is now claiming no further escalations can be made. As a loyal customer of over XXXX years with a perfect payment history, I am asking XXXX Bank to honor the terms of the XX/XX/XXXX letter and remove this {$1300.00} charge from my account. I do not have the means to pay this disputed amount and am at my wits ' end regarding how to proceed. I appreciate your time and look forward to a prompt resolution to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
Validation of Debt Request - HARRIS & HARRIS LTD - XXXX * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
Every time I go to use this trashy card, the following happens : XXXX ) Purchase declines XXXX ) The bank puts a fraud block on the card. XXXX ) I call the bank and they ask me XXXX questions which I answer. XXXX ) They remove the fraud lock. XXXX ) Customer service rep tells me that everything has been cleared and I'll have no trouble using the card in the future XXXX ) Go to XXXX ) above. Again this has happened about XXXX times and several different stores. These are all card present, chip present transactions in a XXXX mile radius of my home zip code and registered address.

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 2026-03-26 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: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: Perpay, Inc.
State: CA

Complaint narrative:
An account was opened with Perpay without my knowledge or authorization. I did not apply for or create this account and do not have access to it. I became aware of the issue when I received a physical credit card in the mail. I have since been contacted repeatedly by the company regarding this account. I have contacted Perpay multiple times to inform them that I am not the account holder and to request closure of the account and removal of my information. Instead of addressing this as an unauthorized account, they have instructed me to log in and close the account myself or provide personal and banking information to process a refund before closing it. They have stated that they owe me {$75.00}, despite me never having done business with them or provided any payment information. I have refused to provide any personal documents or financial information for an account I did not open. Despite my repeated requests, the company has not closed the account, has not explained how it was opened, and continues to associate my identity with it. They have also repeatedly requested sensitive personal information, including banking details and identity documentation, which I am not willing to provide under these circumstances. I am concerned about potential liability and misuse of my personal information. I am requesting that this account be investigated as unauthorized, closed immediately, and that my information be removed. I also request written confirmation that I have no liability associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: LA

Complaint narrative:
Validation of Debt Request - POSSIBLE FINANCIAL I - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/year> I rented a car from XXXX in XXXX for {$7000.00} pesos for a duration of XXXX days. After experiencing the unsafe and dangerous driving conditions of XXXX, I made the decision to return the car early on XX/XX/year>, XXXX days later. I should have received a refund of {$3500.00} pesos. XXXX never provided the refund and refused. I went to my bank, XXXX, and disputed the full charge, stating I am owed a partial refund that had not been received. XXXX received my request, asked for more documentation, which I provided only to be met with a response from XXXX bank that the documentation was never received. I have tried XXXX times to collect my refund and am being denied by the incompetency of the Bank. I am seeking out a refund of {$3500.00} pesos from XXXX Bank for XXXX XXXX rental fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: IL

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported by Capital One Auto Finance on my credit report. I submitted a direct dispute to Capital One Auto Finance under FCRA XXXX ( a ) ( XXXX ), disputing the accuracy and validity of an auto loan account that I do not recognize and did not authorize. In my dispute, I requested that the company conduct a reasonable investigation and provide documentation demonstrating that I am responsible for this loan. Despite this request, Capital One Auto Finance has continued to report the account without providing any documentation showing that I authorized or agreed to this loan. I have not received a copy of a signed retail installment contract, loan agreement, or any documentation establishing my liability for this obligation. This matter involves identity theft. I did not apply for, authorize, or benefit from this loan. The continued reporting of this account without proper investigation raises serious concerns about the accuracy of the information being furnished. Under FCRA XXXX ( b ), Capital One Auto Finance is required to conduct a reasonable investigation and review all relevant information provided. Verifying the account through internal systems or loan records without providing documentation demonstrating that I executed the loan agreement does not meet this requirement. The continued reporting of this account without proper validation is inaccurate and is negatively impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
I previously filed CFPB complaint # XXXX regarding inaccurate reporting of my Kia Motor Finance auto loan following my Chapter XXXX discharge in XX/XX/XXXX, and XXXX responded XXXX XX/XX/XXXX stating, an update has been sent to the credit bureaus to ensure the reporting accurately reflects his payment history and account status. Please allow the credit bureaus up to forty-five days to make any changes to their records. That timeframe has now passed, and the account is still being reported inaccurately on XXXX as having a {$0.00} balance and being included in Chapter XXXX with bankruptcy completed, which is factually incorrect ; this loan was reaffirmed, remains active, and has never been late, and I have consistently made all payments early due to my fixed monthly pay schedule, with approximately XXXX year remaining on the loan. XXXX failure to correct this after acknowledging the issue is unacceptable and is causing direct financial harm, including a significant drop in my credit score and interference with my ability to obtain time-sensitive financing for necessary home repairs. I am demanding immediate correction of the tradeline to reflect current/pays as agreed with accurate balance and full payment history, complete removal of all bankruptcy-related coding associated with this account, and an immediate off-cycle update to all credit bureaus rather than waiting for another reporting cycle, as this situation has already exceeded the agreed correction timeframe and is entirely due to XXXX failure to report accurately.

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 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year> I received a text message stating there have been some activity in my Cash App account to log in. Immediately when I logged in I noticed several transactions of withdrawals coming out my account before my eyes. I immediately called XXXX where my funds was in my checking account. XXXX informed me that the XXXX came out the my Cash App which Cash App card has been linked to. I then called Cash App who informed me that they have noticed the unauthorized transactions and also made me aware that scammer also took out a Cash App loan that I did not approve of as well. Scammers stole over XXXX out of my account. Cash App informed me that they are filing a fraud report and an appeal on my behalf. On last week received an email from Cash App that my appeal was denied, but my investigation was still open. Its been XXXX weeks now with no word from Cash App. Tried reaching out several times since then with no word given on my case status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I was shopping around for a home mortgage loan and XXXX of the lenders was Rocket Mortgage. I am a first time homebuyer and wasnt walked through any of the documents that they wanted me to e-sign. I paid {$250.00} for an appraisal that never happened and I withdrew the loan proposal before that. The event disclosure form that they provided shows that they are charging me {$360.00} total for credit reports and {$180.00} per person so XXXX me and my wife. My wife, nor I have any hard pools on our credit reports, and my wife never signed the advanced disclosure form anyway no one told me while shopping for this loan with Rocket Mortgage that the appraisal fee, which is being re-labeled as credit reporting fees were nonrefundable or else I wouldnt have gone through with paying for the appraisal. Im a retired XXXX combat veteran and this is my first home. XXXX of the main reasons why I didnt go with Rocket Mortgage was because they didnt give me the customer support that I was looking for with purchasing my first home and this is a shining example of that. If anything, they should charge me XXXX for my credit report because my wife NEVER signed their disclosure form. {$180.00} dollars is insane to just pull a credit report too when I couldve sent that info to them beforehand. Arent there RESPA laws that protect consumers in situations like these? I told them I was shopping around too during the beginning stages too so there shouldnt have been any intent to proceed with their loan anyway. We signed XXXX intent to proceed, paid the appraisal fee of XXXX dollars then received another different loan estimate package after that but never signed the intent to proceed for that specific package either

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: KS

Complaint narrative:
XXXX is reporting a XXXX late payment in XX/XX/XXXX that is inaccurate. My account was enrolled in XXXX XXXX XXXX, and my claim was approved beginning XX/XX/XXXX. During this time, payments were being made on my behalf and my account reflected no payment due. Despite this, the company reported my account as XXXX days late in XX/XX/XXXX. This is incorrect because the account was covered under active credit protection and payments were being applied. I have documentation showing : Credit protection claim was approved Payments were made through the program My account showed no payment due during this period I provided this documentation, including the approval letter and account statements, to all credit bureaus during my disputes. After review, XXXX has already removed the late payment, while XXXX and XXXX continue to report it based on the creditors verification. This inconsistency further demonstrates the reporting is inaccurate. I also contacted the company directly by email and did not receive a response. I am requesting removal of the XX/XX/XXXX late payment from all credit bureaus and correction of my payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX NOTICE OF NON-COMPLIANCE/Requesting Authorization Of Treasury Release XXXX XXXX XXXX Slate. The XXXX XXXX XXXX. The Restoration Is Mandatory To : Office Of The XXXX Of XXXX Treasury XXXX XXXX Attn : XXXX XXXX XXXX Bank Of America XXXX XXXX Tx XXXX and XXXX Leadership ) ( From : XXXX XXXX XXXX ) \ Date : XX/XX/year> ( XXXX P.M. ) RE : Immediate XXXX Restoration- Direct Death XXXX XXXX FORMAL NOTICE OF DIRECT FINANCIAL INTERFERENCE : XXXX. THE STATUS : this account holds a DIRECT DEATH BENEFIT. This is sacred money and is not subject to administrative pacing or discretionary delays. XXXX. THE AUDIT : The Forensic Audit identifying the XXXX and the {$950.00} Gap is undisputed. XXXX. THE INTERFERENCE : As of XXXX P.M. XXXX Treasury Cutoff, XXXX and the XXXX XXXX have failed to restore the {>= $1,000,000} donations raised for my Family Ceremony Death Benefit. This constitutes XXXX financial Interference with a XXXX XXXX. XXXX. THE MANDATE : The XX/XX/XXXX Sentinel ( Mandatory Bill ) is XXXX hours away. Any further delay is a Formal Declaration Of Bad Faith, carrying a $ XXXX Liability for all Officers involved.

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