vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 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: Deinde Online Services, LLC
State: AR

Complaint narrative:
I am an XXXX  resident who entered into a consumer installment loan in the amount of {$2400.00} on XX/XX/year>. The loan is serviced by Integra Credit XXXX XXXX XXXX, XXXX ) and identifies XXXX XXXX XXXX  XXXX XXXX ( Utah ) as the lender. 

The loan carries an Annual Percentage Rate of 150.6698 %, with a total repayment of {$7000.00}, meaning I am required to pay {$4600.00} in finance charges alone on a {$2400.00} loan. Payments are made biweekly over XXXX installments. These terms are reflected in the XXXX XXXX XXXXXXXX disclosures provided to me XXXX  has a constitutional interest rate cap of 17 % APR, and payday-style lending is prohibited. This loan would be illegal under XXXX  law if made by a non-bank lender. Although the contract claims XXXX XXXX XXXX  is the lender and that XXXX  XXXX applies, Integra Credit markets, services, and collects on the loan, raising serious concerns that this is a rent-a-bank / true lender arrangement designed to evade XXXX  XXXX XXXX. 

Additionally, the loan documentation references compliance with XXXX CFR Part XXXX ( XXXX XXXX XXXX ), indicating that this loan is treated as a covered high-cost loan despite being labeled an installment loan. This further supports that the transaction is functionally a payday loan prohibited in XXXX. 

I believe this loan may violate : -State usury laws and public policy -Federal consumer protection laws -Truth in Lending Act principles regarding unfair, deceptive, or abusive acts or practices -CFPB rules governing high-cost and payday lending XXXX XXXX requesting that the CFPB : -Investigate whether Capital Community Bank is the true lender or merely a nominal lender -Review whether XXXX XXXX  practices constitute unlawful evasion of state usury XXXX XXXXDetermine whether the interest rate, disclosures, and servicing practices are unfair, deceptive, or abusive Require appropriate relief, including reduction or voiding of unlawful interest and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MN

Complaint narrative:
Issue : Credit card rewards Company : U.S. Bank Product : U.S. Bank Credit Card Rewards Program Complaint : I am submitting this complaint regarding U.S. Banks credit card rewards redemption practices, which I believe are unfair, misleading, and insufficiently disclosed to cardholders.

U.S. Bank advertises credit card reward points as having a certain dollar value ; however, when cardholders attempt to redeem points for common options such as statement credits or merchant gift cards, U.S. Bank requires more points per dollar, effectively devaluing rewards that have already been earned. This functions as a hidden penalty and significantly reduces the practical value of the points.

Additionally, U.S. Bank allows cardholders to redeem points at a XXXX point = {$1.00} value only if the cash back is deposited into a U.S. Bank checking or savings account. Cardholders are not permitted to redeem cash back at this value to accounts held at other banks. This restriction is not clearly disclosed at the time rewards are earned and pressures customers to open or maintain a U.S. Bank deposit account in order to receive the full value of their rewards. 

For comparison, I am also a XXXX credit card holder, and XXXX allows reward points to be redeemed as cash back to any bank account, regardless of institution, or applied directly to the credit card statement at full value down to the last cent. There is no penalty, restriction, or devaluation based on the redemption method chosen. This demonstrates that U.S. Banks practices are not an industry necessity and are materially less consumer-friendly.

Together, these practices : Misrepresent the true value of reward points Penalize standard redemption methods such as statement credits and gift cards Restrict full-value cash-back redemptions exclusively to U.S. Bank deposit accounts Lack clear, prominent disclosure before or at the time points are earned I believe reasonable consumers would expect reward points to maintain consistent value regardless of whether they are redeemed as statement credits, gift cards, or cash back, and would expect any material restrictions or devaluations to be clearly disclosed upfront.

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 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
XXXX to XX/XX/XXXX reached out due to job loss with request to readjust payment plan and make less payments, denied Reached out again in the fall XXXX, gave run around Made large payment XX/XX/XXXX Continued to attempt to make contact attempts through XX/XX/XXXX, met with transfers to closed for business lines, and rude employees XX/XX/XXXX, tried to make payment after release from Hospital. Locked out of account and given runaround when called by phone. 

attempted to call XX/XX/XXXX to make a good faith effort to resolve unpaid debt. Was told my account was charged off because it was XXXX  days past due and a certified letter was sent to me. My last payment was XX/XX/XXXX and I never received a certified letter and they would not provide proof of it allegedly being signed for, yet was told all their letters are sent certified mail. 

I was also blamed for struggling with my financial hardship and XXXX. Requested a XXXX coordinator for assistance communicating as I struggle with verbal conversations and understanding things if not in writing. Was denied and said they dont communicate in writing, which is fishy and leads to he said/she said issues if no written documents in place backing claims of communication attempts. 

Overall, they have created multiple barriers for those with XXXX to be able to effectively communicate and manage their accounts. They have also been uncooperative with providing aid and lied stating I never contacted them in the Summer when my Phone history shows otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I received my XXXX  notice from National Credit Systems , Inc. regarding an alleged rental debt related to an apartment in Arizona. Prior to this notice, I had never been contacted by the original creditor regarding nonpayment, lease termination, the tenant 's death, or any final accounting. 
After receiving the notice, I timely disputed the debt directly with National Credit Systems and requested debt validation, including documentation establishing my legal responsibility. No validation or documentation was provided to me. 
despite the lack of validation, National Credit Systems reported the account to consumer reporting agencies and later verified it as accurate after my dispute. The account is reported as a joint obligation with a deceased individual. I have never been provided proof that the tenant 's estate was pursued, that damages were mitigated, or that I am legally responsible for the amount claimed. 
I believe National Credit Systems is attempting to collect and report a debt without establishing liability and has furnished inaccurate or incomplete information to consumer reporting agencies. I am requesting that the company either provide full documentation establishing my legal responsibility or remove and correct the credit reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UPGRADE, INC.
State: CA

Complaint narrative:
My loan was opened back on XX/XX/XXXX of XXXX. At the time I was told that I could make bi weekly payments and also do pay in advance. About a week later my account was fully setup and I started to make payments. I made payments in the month of XXXX to cover not only the XXXX  payment due on XX/XX/XXXX but also to be applied to the XXXX  payment. When I noticed that the payments were not be applied to XXXX 's due amount, I called and was told they had to manually be added. The agent assisted with this and told me that I would need to call or contact XXXX every time I wanted this done. About a month later I was told they would not apply the payments to XX/XX/XXXXXXXX XXXX bill until the XXXX cycle closed. This was very upsetting to me and at this point I had made multiple complaints to customer service that they were not applying my payments as intended. They did offer to refund my payments and I could make them in the correct billing cycle. My reply to this was that this did not solve my issue and the neglects the reason to pay early which is to reduce the interest building on the loan and therefore shortening the term. I also at this time asked if they could see based on paying in advance how many payments were shaven off. I was told this was not possible. This went on for roughly another month. It was then on XX/XX/XXXX I attempted to call XXXX but was not able to get hold of anyone. Instead I emailed them requesting my payments I had made in XXXX ( {$190.00}, {$250.00}, and {$68.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively ) to be applied to my XXXX bill. I got an email reply saying that was impossible due to those payments satiating XXXXXXXX XXXX bill. I replied immediately stating that the payments of {$350.00}, {$55.00}, and {$100.00} made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively were already reallocated to that XXXX bill. I got a reply that this was correct and the reallocation for my XXXX bill was being requested. I was told to wait the normal XXXX business days for my account to reflect the changed. I waited until the XXXX and when I did not see any changes I replied to the email asking for an update. I got no reply and so today ( the XXXX ) I followed up again, I as noticed the changes had not been applied and that my most recent payments ( meant for future months ) were being applied to my XXXX and that the XXXX payments do not show they have been reallocated. I continue to not be able to speak to a live person on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: SD

Complaint narrative:
Asked for debt validation all they sent were old statements of what i allegedly owed XXXX XXXX. Didn't send anything proof that they now own this debt and that i am liable to pay it. Also only sent me XXXX of XXXX pages of statement why didn't they sent me them all? 
They seem to try and exploit loop holes threw mail they will now claim they sent me more then they actually did. And Again they sent this to my family members house XXXX XXXX and this company have been told and given a current address but seems the refuse to use it out of spite and continue to involve my mother in something that has nothing to do with her.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: FL

Complaint narrative:
CFPB, please review this complaint along with the attached OFR correspondence. 

Columbia Debt Recovery LLC d/b/a Genesis, acting on behalf of XXXX XXXX XXXX XXXX XXXXXXXX XXXX contacted me in XX/XX/XXXX and claimed I owed {$650.00}. This alleged debt was presented as rent debt / tenant debt, even though : - I never lived at XXXXXXXX XXXX XXXX- I never signed a lease agreement, as confirmed in writing by XXXX own attorney - XXXX  internal records contradict the existence of any tenancy Despite this, XXXX XXXX  XXXX generated fabricated MoveOut documents, including invented : - movein date - moveout date - apartment number - lease term - NSF fees- administrative charges None of these events ever occurred. 

During the XX/XX/XXXX call, the XXXX representative told me that unless I paid immediately, the alleged debt would be reported to all credit bureaus and would permanently damage my credit. 
This was said after I informed them the debt was disputed and had not been validated. 
I paid {$520.00} under duress. 

OFR Findings ( XX/XX/XXXX ) In response to my OFR complaint, XXXX admitted : - XXXX  transferred this debt to them on XX/XX/XXXX - The calls are under internal review- They are conducting departmentwide retraining- They determined to issue a full refund - They closed the account - They confirmed no credit reporting would occur - They confirmed I would receive no further communications These statements demonstrate that the debt was invalid, the collection conduct was improper, and the harm was real. 

Outstanding Issues Despite XXXX statements to OFR : - I have not received any refund- I have not received any communication from XXXX- The coercive collection attempt and fabricated documents remain unaddressed - The conduct appears to violate multiple consumer protection statutes This matter has been ongoing for XXXX years, and the harm was only acknowledged after regulatory intervention. 
I am requesting CFPB review because the conduct appears systemic, not isolated, and may affect other consumers who have not yet been able to obtain relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: FL

Complaint narrative:
TRUEACCORD is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD 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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX., I was with an individual I believed to be a friend. Later that morning, I returned home and went to sleep. 
When I woke up, I checked my bank account due to an upcoming bill and discovered unauthorized transactions totaling {$740.00}, which were still pending. 
The transactions consisted of XXXX separate XXXX XXXX transfers in the amounts of {$200.00}, {$160.00}, {$250.00}, and {$130.00}. I did not authorize any of these transactions. 
I immediately reviewed my message history and XXXX XXXX activity and could not find any record indicating that I initiated or approved these transfers. It had been deleted from my phone. 
I contacted my bank, TD Bank, ( XXXX ) immediately after discovering the unauthorized transactions, while they were still pending. I informed the bank that my phone had been accessed without authorization and that fraudulent XXXX XXXX transfers were in progress. 
The bank declined to take immediate action, stating that it was too late in the day to come into a branch and directed me to contact XXXX instead. No account freeze, fraud hold, or mitigation was initiated at that time, despite the bank having the ability to take such action over the phone. 
The transactions later completed. XXXX subsequently denied my fraud claim. ( I called XXXX at XXXX. It was a XXXX min call. ) After the call with XXXX I went to my town police department, XXXX police department - and made a police report. 
I am filing this complaint because I reported unauthorized electronic fund transfers while they were still pending, and my bank failed to take prompt action to prevent or mitigate the loss, as required under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
CREDIT COLLECTION is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: NV

Complaint narrative:
I am disputing XXXX collection accounts that are being reported on my credit file which I do not recognize and never authorized. Waking up to debts that are unverified and do not belong to me has been both frustrating and overwhelming. I have been repeatedly contacted across multiple platforms and subjected to aggressive collection tactics, including threats of legal action. This treatment is completely unacceptable and constitutes a blatant violation of my rights as a consumer. The ongoing stress has significantly affected my peace of mind and sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX XXXX was contracted in XX/XX/XXXX to remodel my bathroom ; however, contractor did not obtain necessary permits as required by Maryland Law. I initiated a dispute with XXXX XXXX XXXX in XXXX for XXXX amounts on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Citi resolved only XXXX ( of XXXX ) disputes ( XXXX ) in my favor, but Citi sided with contractor on the two other disputes ( XXXX and XXXX ) ; however, all of the dispute facts, details and documentation submitted are exactly the same across all three disputes for the same project. The only difference is that the payment dates are different. The contractor, XXXX XXXX breached the contract by not obtaining plumbing permit as required by XXXX XXXX. The contract provided was also not in compliance with Maryland Law. Citi has advised me that I'm now responsible for the charges, although the merchant hasn't performed the remodel based on Maryland home improvement law requirements.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, we payed our dog sitter {$230.00} through cash app. ( our bank is XXXX XXXX XXXX ). On XX/XX/XXXX we payed her another {$90.00}. It wasn't until XX/XX/XXXX, that we found out she was unable to get the money through a technical issue on her end. So when we investigated, we found the money was withdrawn from our account through Cash app, was on the Cash app platform was supposed to be refunded to us on XX/XX/XXXX and XX/XX/XXXX respectively. Those funds are now nowhere to be found. They are not on our bank statements and they are not in the Cash app itself. We contacted Cash app and they refuse to help, so as of now we are out {$320.00}. Can we get some relief with this or do I need to file a small claims case?

Company response to consumer: Closed with explanation