vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRONTO FINANCE INC.
State: IL

Complaint narrative:
I am filing this complaint regarding abusive, threatening, and potentially unlawful conduct by my auto finance company. Since obtaining this loan in XX/XX/2025, I have never missed a payment. At most, payments have been up to 21 days late, yet I have been subjected to harassment, threats of vehicle disablement, and inappropriate workplace contact. 

I was not informed at the time of purchase that a starter-interrupt / vehicle kill switch would be installed on my car. I only became aware of this device days after the vehicle was already in my possession, when representatives of the finance company came to my place of employment and placed a switch on my vehicle. 

There was no clear prior written disclosure, explanation, or consent provided regarding : The existence of the device The conditions under which it could be activated Any grace period or required notices I believe this is deceptive and may violate state and federal consumer protection laws.

Despite having no missed payments, a collection representative has : Spoken to me in a rude, aggressive, and demeaning manner Threatened to shut my vehicle off Used intimidation tactics that caused distress and fear of losing transportation to work Threatening to disable a vehicle when payments have been consistently made and without proper notice is unreasonable and potentially unlawful. 
The finance company came to my job and made contact regarding my vehicle and account. This was humiliating, inappropriate, and disruptive. 
This conduct has caused unnecessary stress, fear of loss of transportation, and disruption to my employment. I believe I have been treated unfairly despite acting in good faith and maintaining my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In early XXXX, I requested a business credit card from Capital One. They refused to approve me for months until I finally told them I was no longer interested in doing business with them. 

They made false claims repeatedly stating that I was unresponsive to communications, submitted documentation that was not approved and went as far as closing my case number without notifying me. 
The documentation submitted to Capital One had little direction ( they would ask for documents such as proof of residence and bank statements, yet never stated what kind of documents were approved ). When I submitted documents, Capital One would evaluate them and failed repeatedly to get back to me with a resolution or whether or not my documents were approved. 
Agents were not knowledgeable of the situation I would describe to them and were arrogant when questioned on their claims. 

I urge everyone to stir away from Capital One and use XXXX XXXX as a business partner rather.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
Early XXXX I submitted unintentionally submitted 3 total payments for my loan with XXXX XXXX. I reached out through their portal to request a refund, and a representing confirmed that the refund request has been initiated and I should see the refund with XXXX weeks. 

Early XXXX, I noticed no refund had been issued, and in fact my account with XXXX XXXX  was no longer active. I called customer support and they confirmed that my account had been sold to Truist. I asked if they sent a transfer notice, and they said I should see it in a few weeks. 

I called Truist, where they confirmed my loan was purchased by them, and that I would be reviewing a Welcome Kit within a few weeks. 

I periodically checked my mail and email and never received a notice from either bank. Early XXXX, my credit showed no payments for XXXX, XXXX, and XXXX. Nothing missing, but nothing paid. 

Late XXXX, I received a letter from Truist informing me that my account is delinquent and my loan is at risk. My credit report showed payment for XXXX and XXXX even though I never submitted a payment to anyone. XXXX now shows a missing payment. 

I contacted XXXX XXXX- they said a physical letter was sent out late XXXX. I confirmed my address, email, and phone are correct with their records. The representative assured me that they only mail letters of loan transfers, and they will not call or email you regarding these matters. 

I contacted Truist- they said a physical letter was sent out XX/XX/XXXX. I confirmed my address, email, and phone are correct with their records. The representative too said that the only form of notice they give for this is a physical letter. No email, no phone calls. 

I never recieved a letter from either company. While waiting for some type of communication, I received late payment notice with half of my account information and a mark on my credit. This servicer error is totally out of my control, and currently I am still unable to pay. 

While speaking with XXXX from Truist, she affirmed me that the late fees and credit mark are only temporary until my account is set up. I can't imagine she has this power, but maybe you do.

I have no attachments. Other than the physical delinquency notice, I have yet to revieve anything for setting up my account with Truist.

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 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/XXXX my PayPal buyer/seller account was terminated for no cause other than an email notification thatmy account was deactivated. I've tried calling customer service as well as messaging with the platform and no one can tell me anything other than my account was disabled and deactivated for breaching security. I am a legit/buyer seller that leverages the PayPal platform and incurs fees that PayPal takes out of every transaction. All sales and purchases are tracked via my registered account that is tiedto my Social Security Number for the purposes of paying taxes. I've been a PayPal customer since XXXX ( XXXX  years ) by customer service, my account should be reinstated or given the opportunity to appeal this decision as a customerfor XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
I asked the company for the original debt and asked about my military orders being turned in and they just asked for the money. I was XXXX XXXX first and was about to deploy and then my XXXX XXXX release kicked in. I had to move out to leave for XXXX XXXX in 2022

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I called Wells Fargo twice regarding a deposited check. During both calls, the bank representative confirmed that the funds were cleared, belonged to me, and were safe to use. I was explicitly told that the check would not be returned, that everything was real and in order, and that the funds would not be withdrawn from my account. 

Relying on this confirmation, I acted in good faith. After that, Wells Fargo reversed the funds, causing financial loss. 

The amount involved was {$4300.00} USD. The check number deposited into my account was XXXX. 

This complaint is not about standard funds availability timelines. It is about misrepresentation by a bank employee, reliance on incorrect confirmation, and the subsequent reversal of funds after I was assured they were final. I am requesting a formal investigation, review of call recordings and internal notes from XX/XX/year>, and reimbursement of the withdrawn amount.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to formally dispute the closure of my Wells Fargo accounts and the continued withholding of my funds. 

On or about XX/XX/XXXX, Wells Fargo deducted {$590.00} from my account in connection with a XXXX dispute initiated by a customer. The XXXX payment in question, along with other XXXX transactions from the same customer, was for a legitimate business transaction. I provided documentation and explanation confirming that the transaction was valid and authorized. 

Despite this, Wells Fargo proceeded to close my account without conducting any fact-finding investigation, relying solely on the XXXX dispute initiated by the sender. I was not provided an opportunity to respond meaningfully, nor was any evidence presented showing wrongdoing on my part. 

As a result, Wells Fargo is now holding more than {$13000.00} of my funds across my checking and savings accounts and has refused to release them. This action is causing immediate and significant financial hardship. My rent and other essential obligations are due on XX/XX/XXXX and the timing coincides with the holiday period, further limiting my ability to access alternative resources. 

I respectfully assert that : The XXXX transaction was a valid business payment. 
No fraud, misrepresentation, or policy violation occurred. 
The account closure was executed without proper investigation or due process. 
The continued withholding of my funds is unreasonable and unjustified. 

I am requesting the immediate release of my funds or, at minimum, a written explanation detailing the legal and contractual basis for withholding them, including a clear timeline for resolution. 

I look forward to your urgent attention and a timely resolution. 

Best, XXXX XXXX Wells Fargo Business Account

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
As of XX/XX/year>. Cash app support states account is locked for identity verification / protection. Stated issue would be resolved with in 24-48 hours. Still has not been resolved. My account is locked/ frozen with my funds not being accessible, nor has any of my bill payments been able to get payed. Need access to funds in account asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: MD

Complaint narrative:
They called stating my full name and that they are from Penn Credit. I asked what are the calling about, I do not have an account with Penn Credit and they are not reflected on my credit report.

The response is they are calling about a business matter and I need to provide my personal information before they can proceed. This seems to be a scam since I dont have any credit relationship with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: GA

Complaint narrative:
CREDIT COLLECTION SERV Date : XX/XX/XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX 

To Whom It May Concern, This letter serves as formal notice that I am requesting Credit Collection Serv immediately cease and desist from all communication with me regarding the alleged debt referenced above.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that all communication with me cease, including but not limited to phone calls, letters, emails, and any contact with third parties.

This request is not an acknowledgment of the alleged debt, nor is it an admission of liability. I do not consent to any further communication from your agency except as permitted by law, specifically to confirm receipt of this notice or to notify me of any lawful legal action.

Any further attempts to contact me after receipt of this letter will be documented and may constitute a violation of federal law.

Please confirm in writing that you have received this notice and that you will comply. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: OH

Complaint narrative:
I initiated the transaction on XXXX XX/XX/year>. The funds were debited from my bank account on XXXX XX/XX/year> in the amount of XXXX. The estimated delivery date was initially XXXX XX/XX/year>, but it was later changed multiple times to XXXX XXXX, then XXXX XXXX, XXXX XXXX, and now XXXX XXXX. As of today, the funds have not been credited to my account. I contacted the company and requested either immediate transfer of the funds to my account or a refund, but the issue remains unresolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Re : Violated the United States CXX/XX/XXXXe law ( TILA 15 U.S CXX/XX/XXXXe XXXX ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under cXX/XX/XXXXe 15 U.S CXX/XX/XXXXe XXXX ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify meXX/XX/XXXX days before with a statement so there should be no late payments on this account ( XXXX ). I demand to see hard solid proof from the creditor bank account that I didnt pay that and was marked late because this clearly a billing error. The items below should be all updated to paid XXXX agreed on my consumer report. XX/XX/XXXXXXXX UNDER 15 USC XXXXB this is a billing error. All payments on this account were made on time- This is paid as agreed & should not be reporting negatively on my report. As a consumer by the law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC XXXXn civil liability because Ive been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: KY

Complaint narrative:
I am submitting this complaint regarding deceptive XXXX  misleading collection practices by XXXX XXXX. 
My loan payment was due on XX/XX/XXXX. On XX/XX/XXXX, I received a call from a XXXX XXXX employee who identified herself as XXXX. During this call, she stated verbatim : If you dont pay this payment today it will report XXXX  your credit report. 
When I questioned the accuracy of this statement, she continued by saying, I know it sounds bogus, but because it is the end of the month XXXX  the end of the year we are going XXXX  report this as a late payment XXXX  the credit bureau if you dont pay it today. 
At the time of this call, my payment was only XXXX days late and not even past the period where a late fee would be assessed. I am aware that late payments are typically reported only after being XXXX  days past due, not based on calendar month or year-end timing. 
I requested XXXX speak with a XXXX due XXXX  feeling misled XXXX  threatened regarding my credit. I was transferred XXXX  a XXXX who identified herself as XXXX. She did not confirm or deny the statements made by the XXXX  employee XXXX  repeatedly talked over me when I attempted XXXX  explain my concern. She redirected the conversation XXXX  stating that the payment would be technically late if it rolled into the next month, without addressing whether a XXXX-day delinquency would be reported XXXX  credit bureaus. 
I believe I was subjected XXXX deceptive pressure tactics XXXX  misrepresentation regarding credit reporting in an attempt XXXX  force immediate payment. I am requesting that this conduct be reviewed and that XXXX XXXX be required XXXX  clarify XXXX  correct its collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX  Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Reference Number : XXXX Original Creditor : XXXX XXXX Account XXXX : XXXX Amount Claimed : {$440.00} XXXX  SECOND DEMAND FOR DEBT VALIDATION NOTICE OF INSUFFICIENT VALIDATION AND DEMAND TO CEASE COLLECTION Dear Credence Resource Management , LLC This letter is sent in response to Credence Resource Management XXXX XXXX assertion that the above-referenced debt has been validated. The information provided does not satisfy the validation requirements of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The alleged debt remains formally disputed, unverified, and unenforceable. 
Background My XXXX XXXX account was closed in XXXX. 
I do not have the original account number. 
All XXXX  ( XXXX ) receivers were returned, and the final balance was paid in full at the time of closure. 
XXXX has stated that it can not locate or reference the original account records. 
XXXX has only produced XXXX billing statements dated XX/XX/XXXX through XX/XX/XXXX, all of which already reflect a previous balance that neither XXXX nor Credence Resource Management can explain or document for the above referenced account number. 
XXXX has verbally claimed that the alleged balance relates to approximately XXXX ( XXXX ) years of service with non-payment, yet has failed to provide any service agreement, billing history, or payment records to substantiate this claim. 
Failure to Properly Validate To date, Credence Resource Management has failed to provide : XXXX. A complete and continuous billing and payment history from account inception through closure XXXX. Documentation explaining the origin and calculation of the alleged balance XXXX. Proof that I agreed to or incurred the charges claimed XXXX. Proof of XXXX XXXX XXXX  lawful authority to collect this alleged debt Partial billing statements generated years after account closure, containing unexplained balances, do not constitute proper validation under the FDCPA. 
Formal Demand Because proper validation has not been provided, I hereby demand that Credence Resource Management , LLC : XXXX. Immediately cease all collection activity related to this matter XXXX. Refrain from reporting, or immediately delete, this account from any consumer reporting agency XXXX. Provide written confirmation that this account has been closed and returned to the original creditor Any continued attempt to collect or report this alleged debt without proper validation may constitute violations of the Fair Debt Collection Practices Act and will be documented accordingly. 
No Admission of Liability This correspondence is not, and shall not be construed as, an acknowledgment or admission of liability for any alleged debt. 
Please provide written confirmation of compliance within XXXX  days of receipt of this letter

Company response to consumer: Closed with non-monetary relief