vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Complaint Details : I am filing this complaint against Speedy Cash ( SCIL Texas, LLC ) for predatory lending practices and lack of transparency regarding principal reduction. On XX/XX/year>, I took out a loan ( # XXXX ) for {$780.00}. To date, I have made the following payments : XX/XX/year> : {$170.00} XX/XX/year> : {$180.00} XX/XX/year> : {$170.00} In total, I have paid {$530.00} in just three months, which is over 67 % of the original amount borrowed. Despite these payments, the company claims my " Payoff Balance '' has increased to {$1100.00}. They are applying 100 % of my payments to " CAB fees '' and interest, leaving the principal untouched and growing, despite an APR of over 322 %. I am currently a mother of XXXX, unemployed, and facing financial hardship. When I contacted the company to resolve this, I was treated unprofessionally and they refused to provide a fair solution or an Extended Payment Plan ( EPP ) as allowed by Texas regulations. Desired Resolution : I request that the company : 1. Apply my previous payments toward the principal balance. 2. Provide a formal Extended Payment Plan ( EPP ) with no further interest to settle the original debt. 3. Cease all predatory collection efforts and correct the " Default '' status while this dispute is active to prevent irreparable damage to my credit during a critical financial closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of id theft and fraudulent accounts and inquiries.Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of id theft and fraudulent accounts and inquiries.Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
My funds have been on hold since XX/XX/year> with Clover/Fiserv . I submitted all requested documentation and fully complied with the risk review process. I was contacted by a risk analyst who informed me that the review would be completed within 2 business days. It has now been over 7 business days since that communication, and I have not received any update or resolution. I have contacted customer support multiple times and have only been told that tickets are being opened, but no clear explanation, status update, or release date has been provided. The company has failed to meet the timeline given by their own analyst, and my funds remain unavailable. The total amount currently being held is {$30000.00}. This delay is significantly impacting my business operations.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Ive been in touch with Nordstrom about my account since XX/XX/XXXX. I was unable to log into my account even after speaking with Nordstrom staff members & made a payment using the automated phone system. I received a confirmation number. Due to an internal systems error my payment was not recorded. I never received any communication from Nordstrom about my account or the payment not processing & XX/XX/XXXX received a text that my account was overdue. I again was unable to log into my account online so I made another payment over the phone. I was given a confirmation number for this transaction as well. Once again an internal error occurred and my payment was not recorded again. I was never notified of this error by Nordstrom. Yet again I received a text XX/XX/XXXX that my account was still overdue. I called and spoke with several people and one supervisor eventually removed returned funds and late fees & accepted a payment over the phone for the full amount. I explained to the agent that this needed to be removed from my credit report as I had made payments on the card and was never contacted by Nordstrom that the phone payments didnt go through. I informed her that Im trying to buy a house & cant have that on my credit report. She agreed & said shed take care of it. I also have a confirmation number for this payment. I applied for a home loan today & my report says Im 2 months past due with on my Nordstrom card with a {$300.00} balance. I called yet again & spoke with supervisor XXXX who confirmed that the amount was paid in full but she could not have anything removed from my credit report & that I need to contact Nordstrom through the messaging portal to have it removed from my credit report. I did so, & they are refusing to remove it from my credit report even though my account is not overdue & I owe nothing. Please help me- my credit score dropped XXXX points because of this one thing thats bot my fault. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am a XXXX recent college graduate. I opened a Citi / Best Buy credit card to make a purchase under a promotional deferred-interest financing offer. I intended to pay the balance in full before the promotional period ended. At the end of the promotional period, I was charged approximately {$2500.00} in retroactive deferred interest in a single lump sum. I was not provided with clear, timely, or actionable notice that the promotional period was about to expire. Until today, I had never logged into my Citi account online, and I did not receive any notification clear enough for me to understand that a {$2500.00} interest charge was imminent. Had I received such a notice, I would have paid the remaining balance in full immediately and avoided the charge entirely. I want to raise three specific concerns : 1. Lack of Clear Notification. A financial product that results in a {$2500.00} retroactive charge should require unambiguous, prominent advance notification. I did not receive anything of that nature. 2. Deceptive and Consumer-Unfriendly Product Structure. Deferred-interest financing, as structured by Citi through the Best Buy card, differs significantly from true 0 % APR products. Competing products such as XXXX XXXX financing require structured monthly payments and do not retroactively assess interest. The Citi / Best Buy product allows a consumer to make partial payments in good faith and still be charged the full accrued interest retroactively if any balance remains at the end of the promotional period. This structure appears designed to maximize the likelihood that consumers particularly young or first-time cardholders will be assessed large retroactive interest charges. 3. Unacceptable Customer Service Response. I contacted Citi three separate times to request a review of the interest charge. Each call became more hostile. I was told repeatedly that I was outside a 60-day window and that nothing could be done. I was not offered a supervisor, a retention specialist, or any meaningful escalation path. The final representative ended the call by hanging up on me. This is not acceptable conduct from a major financial institution. I am requesting a full reversal of the approximately {$2500.00} in retroactive interest. I am not disputing the principal balance only the interest, which I believe was triggered by a combination of a confusing product structure and a failure to provide clear, actionable notification before the promotional period ended.

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 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
American Credit Acceptance has violated the law by not following the legal steps of repossession in the state of California with the repossession of my XXXX XXXX XXXX. Under California law, the lender has to send you the following notices after repossessing your car : a notice about the seizure ( XXXX. XXXX. & XXXX. Code XXXX ( XXXX ) ) an inventory of your personal effects ( XXXX. XXXX. & XXXX XXXX XXXX ( XXXX ) ), and a notice of intent to sell, which includes information about your right to get the vehicle back through reinstatement or redemption ( XXXX. XXXX. Code XXXX ( XXXX ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau regarding three credit card accounts that has been placed into collections, which I believe stems from misleading and deceptive advertising and marketing practices by the credit card company. At the time I applied for and opened these accounts, I relied on the representations made in the companys advertising and promotional materials. These materials led me to believe that the terms of the accounts- including interest rates, fees, and / or promotional offers would be more favorable and transparent than what I ultimately experienced. The disclosure provided were unclear, incomplete, or presented in a way that was misleading. As a result of these misrepresentations, I was not fully informed of the true cost and conditions of the accounts. This directly contributed to unexpected charges, increased balances, and financial hardship, ultimately leading to the account being placed in collections. I believe these actions may constitute violations of federal consumer protection laws, including the Truth in Lending Act ( TILA ), which requires clear and accurate disclosure of credit terms, as well as prohibitions against unfair, deceptive, or abusive acts or practices. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action. Specifically, I am seeking : A full review of the credit card companies advertising and disclosure practices related to my accounts. Verification of accuracy and legality of the charges and fees applied. Removal of any negative reporting related to these accounts if it is found to be the result of misleading practices. Appropriate relief to address the financial harm caused. The situation has negatively impacted my credit profile and financial stability. I am requesting a fair resolution and accountability for the practices that led to this issue. Please keep me informed of the status of this complaint and provide written confirmation of any findings or actions taken. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Sincerely 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 explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I am filing a complaint regarding an unauthorized transaction on my PayPal account. A purchase of approximately {$300.00} was made from my PayPal balance for an item I did not authorize, and it was shipped to an address that is not mine. I have never made purchases like this using my PayPal account. I reported the transaction immediately as unauthorized. PayPal denied the claim, stating that the IP address used was consistent with my account activity. However, this does not indicate authorization. My account and device had signs of compromise, and I also experienced unauthorized activity on other accounts accessible from my device. I appealed the decision multiple times and even contacted PayPal support directly. A representative opened a new case and noted possible account compromise, but the case was again denied within hours with the same reasoning, without a meaningful investigation. PayPal has relied solely on IP address consistency and has not properly considered key indicators of fraud, including : The shipping address not belonging to me The transaction not matching my typical usage My report of unauthorized access IMPORTANT NOTE : The PayPal account associated with this issue is under the email : XXXX. The account currently still has a different name and address ( belonging to a family member ), as I recently gained access to it and have not yet updated those details. I can provide verification if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am submitting a complaint regarding the failure to process my approved Borrower Defense to Repayment discharge. My Borrower Defense discharge related to XXXX XXXX ( XXXX ) was approved by the U.S. Department of Education on XX/XX/year>. My loans are currently serviced by Aidvantage and are in administrative forbearance pending discharge. Despite this approval, my loan balance has not been discharged, no final processing has occurred, and I have not received a final resolution or timeline. I was previously informed that processing would take approximately six months, which has now been exceeded. This is not a dispute regarding eligibility or application status. The discharge has already been approved by the Department of Education. The issue is that Aidvantage has not completed execution of the discharge based on Department of Education instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AIDVANTAGE Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Paid money to the balance owed of final charge off interest free Balance has not decreased and XXXX has been paid. XXXX $ has been paid into interest not previously discussed and account has not decreased. account increased after payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
On or around XX/XX/year>, exeter representatives engaged in multiple improper actions, including repeated calls to my place of employment and the unauthorized disclosure of my confidential account information to a third party ( my brother ) without my consent and without proper identity verification. During this unauthorized disclosure, exeter representative revealed the following private information : The make and model of my vehicle The number of days the account is past due The total amount allegedly owed This conduct constitutes a serious breach of privacy and appears to violate the Fair Debt Collection Practices Act, including prohibitions on third-party disclosure of debt information and harassment through repeated workplace contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MS

Complaint narrative:
I am requesting a discharge, refund, or payment adjustment for my federal student loan in the amount of {$7600.00} plus any other fees accrued. These funds were returned to my loan servicer by XXXX XXXX XXXX, XXXX, XXXX on XX/XX/year>, but were never credited to my loan account. As a result, my loan balance remains inaccurately inflated. I am seeking correction of my account records to reflect the returned funds and to ensure my balance is accurate.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR

Complaint narrative:
On XX/XX/year>, my mortgage servicer paid {$4500.00} from my escrow account for a mortgage insurance policy that was issued in my name by XXXX XXXX without my knowledge, consent, or signature. I did not apply for, request, or authorize this policy, nor did I sign any documents related to it. The charge was sent directly to my mortgage servicer by XXXX XXXX and paid without my awareness. When I discovered the unauthorized policy and contacted XXXX XXXX, I was told it could not be cancelled until XX/XX/year>, at which point the premium would be refunded to my mortgage servicer. I am filing this complaint because an insurance policy was created in my name without my consent and an unauthorized charge of {$4500.00} was processed through my escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Yesterday I learned after trying to make a purchase that Bank of America closed our credit card account. They claimed that it was for " irregular charges '' - I asked which charges were they referring to and they said they will not answer. I escalated to a supervisor- who said the same thing after thanking us for being preferred clients. I escalated again to consumer resolution team who said the same thing. Closed because of irregular purchases. I went personally to our Branch and they assisted me in speaking to a high level supervisor who said we made irregular purchases. I called back today and continued to get better response as they refused to identify " irregular purchases ''. I reviewed all our purchases and they were made by us. The only recent purchases we made that were different than previous was a donation to support a republican candidate for Governor each for {$1000.00} and after the second purchase our credit card was closed. I feel given this the bank discriminated against us for our political beliefs and closed my husband 's and my account. I checked credit scores today are XXXX XXXX ; XXXX XXXX, and XXXX XXXX. We have yet to receive any notice in writing from Bank of America.

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 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of id theft and fraudulent accounts and inquiries.Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-04-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing regarding a promotional financing account opened in XX/XX/year> through XXXX XXXX and serviced by XXXX. At the time of purchase, we were encouraged to use an interest-free financing option. We would have paid for the furniture in full, but agreed based on the understanding that the financing carried no interest. At no point was it clearly explained that this was a deferred interest promotion requiring full payoff within 24 months, nor that accrued interest would be added retroactively if not paid in full by that date. We also did not receive any clear notification that the promotional period was about to expire. Had we been aware, we would have immediately paid the remaining balance in full. Upon reviewing our statement, we discovered that {$1600.00} in deferred interest had been added, along with additional monthly interest charges. This came as a complete surprise. Additionally, we experienced difficulty accessing the account online, as our identifying information did not work, and we had to contact customer service to gain access. This further prevented us from monitoring the account and understanding the terms. Given these circumstances, we are requesting a full reversal of all interest charges as a one-time goodwill adjustment. We have otherwise acted in good faith and would not have carried a balance had the terms been clearly understood. Please let us know how this can be resolved promptly. We appreciate your time and consideration.

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