vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 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: IL

Complaint narrative:
In XXXXXXXX XXXX XXXX I contacted cash app about transactions I did not make and funds that werent returned from XXXX and cash app told me they were but when on phone with XXXX they said they hadn't even sent back my refund yet so seems kinda weird cash app says I received it but XXXX says they haven't released it yet, and once I caught cash app lieing in this issue they locked me outta my account refused to give me my funds, will send me emails telling me I need to log in and contact them but refuse to let me log in and and when I can't log in they tell me I'm basically screwed outta my money cause I didn't contact them but they refuse to let me have access to contact them, I feel like my banking rights and civil rights are being violated. I need help with this issue I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
From XXXX i have mentioned to them that my money wasnt going down that it kept going up even with me paying {$400.00} to {$450.00} above my original payment of {$350.00}, and instead of it going down it kept going up and i wasnt laye and when i would ask them why XXXX girl would tell me its a daily fee that was added no matter if i am on time or not. My loan was for XXXX yrs and not every month those fees were added. For XXXX months my loan was dropping and on the fourth month my payments once again went up. Nothing they were saying was even made since. I was making higher payments and crazy fees just kept making my payments go higher. I was never told that my loan was gon na cost me almost & XXXX. I borrowed {$7000.00} and they added another {$1000.00} to my loan. I am almost done paying it and not once has gona up again which is wierd.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Independent Dealers' Advantage, LLC
State: GA

Complaint narrative:
This is an aggressive follow-up to my complaint regarding the repossession of my vehicle. I have not received a meaningful response or any serious effort to address or resolve this matter. This lack of action is unacceptable. The repossession is formally disputed due to improper notice and failure to comply with required legal procedures. Your continued delay and inadequate response raise serious concerns about compliance and good faith handling of this matter. I am demanding an immediate and thorough response explaining the basis for the repossession and the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My interest rate from saving capital one is lower rate from last interest I received

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections
State: AZ

Complaint narrative:
On XX/XX/XXXX, I sent Bonneville Collections a written dispute and validation demand ( via certified mail-return receipt ) regarding a utility collection account. I disputed the existence, amount, delinquency status, and accuracy of the debt and requested an itemized ledger, proof of mailing or transmission for the final bill and FINAL NOTICE, the basis for the reported Date of First Delinquency, the written validation notice required by 15 U.S.C. 1692g, and Bonnevilles Arizona collection-agency license information or claimed exemption. Bonneville did not provide those records. Instead, Bonneville provided documents that contradict the information it verified to consumer reporting agencies. The records show a XXXX closing bill for {$270.00} due XX/XX/XXXX, a separate FINAL NOTICE for {$280.00} marked past due, and Bonnevilles own validation balance of {$340.00}. After my dispute, XXXX and XXXX updated the tradeline to {$350.00}. The same records show a Date of First Delinquency of XX/XX/XXXX, which predates the XX/XX/XXXX due date on the closing bill. Bonneville therefore attempted to collect and verified an amount that is inconsistent with its own records and verified a delinquency date that conflicts with the bill it produced. The debt collector also failed to provide the records I requested to support the amount, mailing history, delinquency date, the written validation notice required by 15 U.S.C. 1692g, and Bonnevilles Arizona collection authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am disputing a {$3400.00} deferred interest charge ( Interest Charge on Purchases ) that appeared on my XX/XX/XXXX XXXX/Comenity Bank statement . In XXXX, I financed a {$4700.00} purchase under a promotional financing plan. Throughout the entire promotional period, I made every required payment on time through AutoPay and never missed or delayed a payment. I relied on AutoPay with the understanding that it would help ensure compliance with the promotional terms and prevent any negative consequences. As the promotion neared expiration, I continued making payments and significantly reduced the balance. When the promotional period ended, the remaining balance was approximately {$2000.00}. Today, XX/XX/XXXX I have paid FULL remaining principal {$2100.00}. Despite my consistent payment history and good faith efforts to pay down the balance, Comenity added a deferred interest charge that is larger than the remaining principal itself. This charge was unexpected and disproportionate, and at no point during the promotional period did I receive clear or prominent warnings that such a large retroactive interest amount would be applied if even a small balance remained. I contacted Comenity Bank to request a review and adjustment, explaining my perfect payment record and the lack of clear disclosures. My request was denied without meaningful consideration of the circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Absolute Resolutions Corp.
State: OH

Complaint narrative:
I was notified by a " law office '' that I was gon na be sued for a credit card that my husband 's girlfriend opened years ago. In a state the debt was not signed for that I just currently moved too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am not liable for this debt of XXXX with XXXX XXXX XXXX acct # XXXX I do not have a contract with Jefferson capital systems they did not provide the original contract as requested with my wet signature and ID verification According to the 15 USC 1681 law there should not be any damages on my report it is a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
On XX/XX/year>, I made a mortgage payment of {$2600.00} to XXXX Mortgage to cover the XX/XX/year> payment. Due to an escrow adjustment of approximately {$210.00} that occurred, XXXX incorrectly classified my payment as principal-only and held it in a suspense account rather than applying it as regular XX/XX/year> payment. This processing error caused my XXXX payment to appear as missed and XXXX submitted a negative comment on my credit report about XX/XX/XXXX. As a result, my XXXX XXXX dropped approximately XXXX points. I have maintained a perfect payment history for over XXXX years with no missed payments. On XX/XX/year>, I resolved the shortfall and asked to remove the negative comment due to the processing error by XXXX. On XX/XX/XXXX, XXXX reclassified my XXXX payment correctly. However, they have refused to request the removal of the negative mark from my credit report. On XX/XX/year>, I disputed this inaccuracy with XXXX. XXXX sided with XXXX and maintained the false negative comment on my report despite my five-year clean history and proof that the missed payment was caused entirely by XXXXXXXX XXXX XXXX of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: TN

Complaint narrative:
I am formally disputing a charge related to a hotel reservation made through XXXX ( Booking ID : XXXX, XXXX XXXX, XXXX, XXXX ) and billed to my Citi credit card. On XX/XX/year>, I completed a booking through XXXX. At the time of booking, the main booking page prominently displayed in large, highlighted text that the reservation was fully refundable until XX/XX/XXXX. No specific cutoff time ( e.g., XXXX XXXX ) was clearly or conspicuously disclosed on that page. Based on this representation, I reasonably understood that canceling at any point on XX/XX/XXXX would still qualify for a full refund. On XX/XX/XXXX, I proceeded to cancel the reservation. The system processed the cancellation immediately and did not present any warning that the free cancellation period had already expired or that I would be charged the full amount. At no point during the cancellation process was I clearly informed that I would forfeit the entire booking value. The cancellation confirmation email showed the original charge of {$320.00}, but it did not explicitly state that this amount would not be refunded. I only learned that no refund would be issued after reaching out to customer service for clarification. Had I been properly informed either at the time of booking or during the cancellation process that canceling on XX/XX/XXXX would result in a full charge, I would not have proceeded with the cancellation. I acted in good faith based on the information presented on the booking page and the lack of any clear warning during the cancellation flow. My credit card dispute has since been denied, and the merchant continues to rely on an interpretation of the cancellation deadline that was not clearly disclosed at the time of booking. I believe this constitutes a misleading representation and an unfair business practice under consumer protection standards.

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 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am submitting a formal complaint regarding multiple inaccurate, unverifiable, and unauthorized items reporting on my credit files with Experian , Equifax, and TransUnion, which remain on my reports despite repeated disputes and prior notifications. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately reported as Late Closed with a {$0.00} balance on Experian ( XXXX ), Equifax ( XXXX ), and TransUnion ( XXXX ), in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and 607 ( b ) 15 U.S.C. 1681e ( b ), which require accurate reporting and reasonable reinvestigation. The collection accounts XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting balances of {$860.00} on Experian and {$860.00} on Equifax and TransUnion are inaccurate, unverifiable, and unsupported by documentation, violating FDCPA 808 15 U.S.C. 1692f, 807 15 U.S.C. 1692e, as well as FCRA 623 ( a ) ( 1 ) ( A ), 611, 609 ( a ) ( 1 ), and 604 ( a ) ( 3 ). Multiple unauthorized inquiries remain on my reports without my consent, including XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on Experian , XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX on Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX on TransUnion, which were obtained without my authorization and lack a permissible purpose, violating FCRA 619 15 U.S.C. 1681q, 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ). I am exercising my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act to demand the complete removal of all these Late Closed accounts, collection accounts, and unauthorized inquiries from my credit files, as they misrepresent my financial history and cause demonstrable harm to my creditworthiness.

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 2026-03-17 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: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I am an XXXX driver, and I am reporting a serious incident involving theft and financial fraud. On XX/XX/year>, at approximately XXXX XXXX, my phone was stolen. Within minutes of the theft, my active Robinhood credit card was accessed and used through XXXX XXXX without my authorization. A series of high-value transactions were rapidly executed at XXXX, totaling {$21000.00}, including : {$7700.00} {$2300.00} {$5200.00} {$2900.00} {$3400.00} These transactions occurred within a very short timeframe, before I was able to secure my mobile number at the XXXX XXXX XXXX XXXX XXXX store XXXX I had no control over my device and did not approve any of these purchases. The fact that such significant transactions were completed without any identity verification raises serious concerns about the security systems of both XXXX XXXX and the Robinhood credit card. I have filed a police report, and the matter is currently under active investigation. Despite reporting the fraud, I have not received a clear explanation or resolution from the company. This situation highlights a critical vulnerability that could affect other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Credit Fresh Holdings Inc
State: NJ

Complaint narrative:
I opened a line of credit with CreditFresh, account number XXXX, on XX/XX/year> with a credit limit of {$4000.00}. What was not made clear to me at the time of origination was that the effective annual percentage rate on this account would exceed 100 %. I am a New Jersey resident, and New Jersey caps consumer loan interest at 30 % APR for non-bank lenders. CreditFresh is using XXXX Bank, a XXXX bank, as a vehicle to charge interest rates that would otherwise be illegal in my state. This is commonly referred to as a rent-a-bank arrangement, and it is my position that CreditFresh is the true lender on this account, not XXXX Bank XXXX CreditFresh markets the product, originates the application, services the loan, and retains the economic interest. XXXX Bank exists in this transaction solely to provide a workaround to state usury laws. I believe this arrangement violates New Jersey consumer protection statutes and constitutes an unfair, deceptive, and abusive lending practice under the Consumer Financial Protection Act. I am requesting that the CFPB investigate CreditFreshs lending model, its partnership with XXXX Bank, and whether the interest charged on my account is lawful under applicable state law. I am also requesting a full accounting of all interest charged to my account since origination and a determination of what my actual balance would be if the legally allowable interest rate had been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XX/XX/XXXX. Midland credit management is not reporting the correct amount on my credit report. The purchased the debt for pennies on the dollar, and the must report what is accurate, complete, and fair. Which they are not doing. I tried to settle with them for a lesser amount since they didn't pay {$650.00}. XXXX bank charged off this debt in XXXX, which they wrote off on their taxes but yet they sold account to make more money. But, I never received a 1099-c after charge off.this itself is tax fraud. Could you please look into this and help me I am getting nowhere between these 2 companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi XXXX credit card has illiterate and uneducated and unprofessional workers and has committed identity theft. Citi XXXX credit card has obtained another persons SSN and name and mixed it with my name and social security number. I need citi XXXX credit card to re-establish my credit csrd and increase my credit spending limit to {$100000.00}! My coty card ends in number 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 explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AP

Complaint narrative:
I received forwarded mail from my previous place of residency today XXXX XX/XX/XXXX from XXXX by Capital One with two credit cards. The mail was addressed to me at an old residency I have not lived at since XXXX and contained one credit card with my name on it which I have never applied for and one with a family members name on it. My family member and I have never shared bank accounts nor have we applied for credit cards together.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: IL

Complaint narrative:
TRUEACCORD C is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD C 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 2026-03-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Auto loan and other charged off and closed accounts needs to be removed and disputed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding the late payments currently being reported on my account. The information you are reporting is inaccurate, incomplete, and not in compliance with the Fair Credit Reporting Act ( FCRA ). ISSUE Late payments have been reported that I do not recognize, do not match my records, or appear to be incorrectly dated, improperly verified, or posted in violation of federal reporting requirements. These alleged late payments are causing direct and measurable harm to my credit standing. MY POSITION I dispute the accuracy of all reported late payments in full. Under the FCRA and federal guidelines, any data you report must be : 100 % accurate Fully verifiable with documented proof Reported within proper time limits Free from clerical, systemic, or procedural errors At this time, you have not provided any legally sufficient proof that these late payments occurred, nor have you demonstrated compliance with verification 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 non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Revolut Technologies Inc.
State: IL

Complaint narrative:
I was charged {$50.00} on XX/XX/XXXX. While I was urging the agents to expedite the review and return my hold of around {$9000.00}, I was charged another {$50.00} as a monthly plan fee on XX/XX/XXXX. I suspect this second charge was intentional, possibly as a reaction to my persistence, almost as if to show they have the power to make things difficult for me.

Company response to consumer: Closed with explanation