vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: MoneyLion Inc.
State: PA

Complaint narrative:
I am filing a complaint regarding the misuse and sharing of my personal information after using the MoneyLion app to submit a personal loan request. I specifically submitted a loan inquiry through a lender that was listed within your app, XXXX. Shortly after submitting my information, I began receiving numerous nonstop spam phone calls, text messages, and emails from companies that were never listed or disclosed to me during the application process, including companies such as XXXX, XXXX, and others. I did not provide authorization for my personal information to be distributed to unrelated third-party lenders or marketing companies beyond the lender I selected. The volume of unsolicited communications strongly suggests that my information was shared or sold without my informed consent. This situation has caused significant frustration and concern regarding the handling of my personal data and privacy. I am requesting the following : - A clear explanation of how my information was shared and with which companies. - Immediate removal of my information from any third-party marketing or lead-generation lists associated with this request. - Confirmation that my information will not be further distributed. - Instructions on how to fully opt out of any additional communications resulting from this inquiry. Please treat this matter seriously and respond promptly regarding the handling of my personal information and privacy rights.

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 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, Affirm collected a {$22.00} down payment from my original payment method in connection with a {$2000.00} installment loan for a XXXX XXXX XXXX sound system purchased via XXXX checkout. The checkout transaction failed mid-process. My cart cleared, no order confirmation was issued, and no purchase was completed. I contacted the merchant, XXXX XXXX, directly. On XX/XX/year>, XXXX confirmed in writing that no transaction or active order exists in their system under my name and that the product will not be shipped. The merchant request reference is XXXX. I provided this written confirmation to Affirm. Despite the merchant 's written non-confirmation, Affirm has held the loan open in " pending merchant confirmation '' status for XXXX days and has not refunded the {$22.00} collected on XX/XX/XXXX. I opened a support case with Affirm on XX/XX/year> and received XXXX responses, none of which resolved the case : On XX/XX/XXXX, an agent told me to wait until XX/XX/year> for the loan to auto-cancel, a fifteen-week hold. On XX/XX/XXXX, the same agent declined to act in writing and redirected me to a phone line. On XX/XX/XXXX, an agent acknowledged the XXXX confirmation, said the case was being manually escalated, and stated, " a refund will be issued to your original payment method once the merchant cooperates to cancel the transaction. '' The merchant cooperated on XX/XX/XXXX, XXXX days before that message was sent. The condition Affirm itself set for issuing the refund has been met. The refund has still not been initiated and the loan remains open. Affirm is holding a loan and consumer funds on a transaction the merchant has confirmed in writing does not exist. Under Regulation Z, the loan was never consummated, no goods or services were rendered, and the merchant did not accept the transaction. Continued reporting of this loan as pending creates risk of inaccurate furnishing under the Fair Credit Reporting Act. The pattern of acknowledging the merchant confirmation while refusing to act on it, the indefinite hold timeline, and the use of phone-only verification to deflect a documented written dispute reflect unfair and deceptive practices under Dodd-Frank Section 1031.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
This debt has caused me overwhelming stress and emotional hardship during XXXX of the most difficult periods of my life. I recently experienced financial difficulties due to loss of employment, and I have been struggling just to maintain basic necessities and care for my family. The constant collection attempts and reporting of this account have negatively affected my mental well-being, sleep, and ability to move forward financially. In addition, this debt collector has engaged in practices that I believe violate the Fair Debt Collection Practices Act ( FDCPA ). They furnished and attempted to collect on an account that I never knowingly agreed to, signed for, or entered into a lawful contract regarding. A valid legal agreement requires participation and authorization from both parties, and I did not provide that authorization. Furthermore, they failed to properly validate the debt and did not follow the required validation procedures after I disputed the account. Despite my requests, they continued reporting and attempting collection activity, which I believe is unfair and unlawful. This situation has placed an extreme burden on me during an already vulnerable time in my life. I respectfully demand that this account be removed immediately and that all collection activity cease. I also reserve my rights under the FDCPA and other consumer protection laws regarding any violations committed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: Self Financial Inc.
State: CA

Complaint narrative:
Self / XXXX XXXX XXXX Has been put on notice for a fraudulently opened account that has been placed on my credit report. They choose to keep the account on my report unlawfully after they received the FTC identity theft report. My notice has been disregarded by the company. The account was opened XX/XX/year> and has resulted in a {$1600.00} balance that has fraudulently been reported

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Back on XX/XX/year> I had an existing checking account with td bank it was compromised on that evening I cought onto it by logging into the td bank mobile app I wanted to check my balance I saw 3 unauthorized charges 2 checks and 1 XXXX transaction shortly after I was logged out of the app and could not regain access with my Password and username I knew something was wrong I contacted td bank phone support my account is a checking account I don't have checks and never use them I live on social security benefits monthly the activity during this compromise was more then my account sees in a month regarding the amount of payments during the problem I very rarely use XXXX once in a good while to none if i use it I know exactly who I'm sending to I've been a customer with td bank for several years I've had my old account for several years never experienced a problem like this until now the 2 checks that were unauthorized were totaling just under {$2000.00} I don't even make that in a month the checks were done through mobile deposit on the td bank app td bank gave me a copy of the checks the name on the checks I do not recognize the endorsement signature is scribbled they have since been returned that dispute was separate from XXXX and finalized td bank is stated that the XXXX transaction was done from my device I use my cellphone for td bank Mobile bank app nobody has access to my cellphone at all I never gave remote access to anyone I do not know the name or who the person is that did the XXXX transaction it was {$40.00} that totaled for the XXXX transaction td bank will not return it they keep saying it was done on my device it never was I never authorized any of this I had to open a whole new account because of this probelm please see attached documents thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/year> cashapp deactivated my account for violating their terms and conditions which I've had my account with them for XXXX years now and the only thing that I had done that was new or different was order food on XXXX website so I contacted them and appealed my account deactivation. On XX/XX/year> I received an email update from cashapp saying my account was found in violation of their terms and conditions and my account was permanently closed. So I again contacted cashapp and asked them to tell me exactly what I did to violate their terms and conditions and if I was able to open a new account or if I was permanently banned from using their services and I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I went in to the Wells Fargo branch at XXXX XXXX XXXX XXXX, XXXX, NV, XXXX. Around XXXX on XX/XX/year>. I was hoping to perform an {$8000.00} wire transfer as it is a service they advertise/offer. I was denied service by staff. They said they only have one banker on site who was getting ready to leave ( but still there ). My banker spoke with the branch manager who came to talk to me and did not offer to render the service themself but rather said I could wait XXXX minutes or go to another branch ( or use the app, I prefer in person banking and was wanting to pay the premium ). This branch also has terrible access to open ATMs ( an issue for another day ). I can not believe that it is in Wells Fargo 's code of ethics to deny their customers a service they advertise as having on-site during business hours. Quite upset ( but calm and respectfully ), I asked how I go about cancelling my Wells Fargo account and the branch XXXX said they can't do that but can withdrawal my funds. They did nothing to try and keep me as a customer, and in turn I'm actively seeing what my other options are. The irony there is beyond me.. I would be willing to bet that person has the capability to perform my wire transfer but choose not to render a service that is advertised ( denied service ). I left and was recommended to file this complaint with CFPB, so I called the branch hoping to get their branch #, and nobody answered the phone. I've been on the phone with Wells Fargo customer service ( for XXXX minutes now ) who also couldn't find their branch # and I put in a formal complaint through the WF customer service rep as well. I could not be more let down at how this was handled, the lack of customer service, unprofessional attitude, denial of service, and the time I've since wasted instead of making a wire transfer which was time sensitive. Wells Fargo case # : 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 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: IN

Complaint narrative:
I am filing a complaint against American Credit Acceptance for funding a backdated contract.On XX/XX/year>, I went to XXXX XXXX in XXXX, signed paperwork on a tablet, and gave them a {$4000.00} cash down payment. On XX/XX/XXXX, the bank called me, and I told them I did not have the car yet. The bank paused the deal because of this. I did not pick up the car until XXXX XXXX dealership and the bank forced the paperwork through using the wrong dates. My online portal welcome letter shows the bank didn't even generate my account until XX/XX/year>, but they kept my contract dated as XX/XX/year>. Because they backdated the loan, they charged me daily interest for days the car was just sitting on the lot before the loan was even finalized [ XXXX ]. They also artificially shortened the time to my first payment on XX/XX/XXXX, XXXX dealership 's finance XXXX, XXXX, was still emailing me on XX/XX/XXXX for job verifications and XX/XX/XXXX for insurance problems, proving the deal was not done on the XXXX. Furthermore, XXXX XXXX records show the dealer didn't apply for the title lien until XX/XX/XXXX, XXXX car is completely mechanically dead and broken down right now. I have a recorded phone call transcript where an XXXX agent admits the dealer 's XXXX funding attempt was blocked and that they resubmitted it later. In regards to them sending what ive asked. I keep getting the run around. XXXX told they will have to ask if they can. They will email if able to. I asked online and then I called later that day to make sure I get it all. The lady stopped me and said you will receive in an email as told on the chat. I said I wan na make sure I receive everything. They only sent me the retail installment paper. Which is all the same as XX/XX/XXXX I sent a picture of the calls. They told me on XXXX recording they have no record of calls on XX/XX/XXXX. I believe they said the XXXX call was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am filing a complaint regarding a {$400.00} XXXX transfer made through Navy Federal Credit Union that I believe involved fraud and misrepresentation. I sent the payment to an individual who claimed to work for an airline and offered to book a flight for me. After I sent the {$400.00}, the person canceled the service and did not provide the flight or any legitimate booking. I believe I was induced to send the payment based on false statements and impersonation. I reported this issue to Navy Federal Credit Union and was told they can not file a XXXX claim or fraud case. I requested escalation to fraud review, but no formal fraud investigation was opened. I am requesting that this case be reviewed as a fraud/impersonation scam and that the financial institution attempt appropriate recovery actions through the receiving bank. I am also requesting a written explanation of why no fraud report was filed and what options are available for investigation or recovery. I am seeking a formal investigation into this transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
My payment is {$880.00} since XX/XX/XXXX the car was bought new. Since XX/XX/XXXX I have been asking will they refinance the car to get a lower interest rate and I was told they don't do that. My balance has never dropped below {$29000.00} despite paying the bill. The interest is daily compounding. I have called in with many hardships and even asked to have my cosigner removed off the loan and he called with the same request and was denied. Even though when the loan was taken out the dealership said that he can request to be removed off the loan and it refinanced under my name. I told them I signed up for gap insurance and was told that they don't have any of those documents. The dealership that I got my car from is now closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
The company has not sent me a XXXX form showing they filed a charge off/ write off, but is reporting on my credit inaccurately, showing a balance and charge off. This is in violation of the reporting laws as I have not received a XXXX form. I submitted a dispute to XXXX, who removed the file from my credit account. Then, the creditor, Exeter Finance, reinserted the charge off on my credit report without providing me notice of reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX, I attempted to use my credit card for my birthday dinner at XXXX XXXX and my card was declined. I tried to log into my online portal to see what was going on, but I was locked out of my account. I was going out of town for my birthday, so I put this on the back burner as I didnt think much of it. On XX/XX/XXXX, I noticed that there was XXXX charges XXXX days in a row for the same amount that I did not authorize. I called Concora Credit and they told me that my card was reported as lost or stolen in XXXX and that the card that I had was deactivated, and a new card was sent. I told them that I never reported my card as lost or stolen, and proceeded to ask more questions. I told them that the charges on my account were not authorized by me and that I dont even have access to my account to be able to make those payments. I asked what address the new card issued was sent to and they refused to tell me the address that I had on file. They also refused to tell me what email address I had on file. I told them my address and email that should be on file and all they would tell me was that that did not match my profile anymore. I told them that they needed to lock whatever active card was sent out to whatever address was given to them, as it was not authorized by me, and someone is clearly making charges and payments that I did not authorize. They told me I needed to verify my identity by uploading id docs before they could do anything. I told him that none of these charges were authorized by me and wanted to know how they were going to stop future charges from happening and how I can go about submitting a claim. They told me that since the payments had already posted to my bank account that there was nothing that they could do on their end and that I had to contact my bank directly. I asked them what they were going to do with the extra money since XXXX charges were made XXXX day after the other for the same exact amount and they said that they would only refund it if my bank didnt. It all just seemed very sketchy, and the lack of communication was very unsettling. After calling my bank, we went over the charges on my account and uncovered multiple other charges to this creditor that I didnt notice beforehand. There was over {$1600.00} in fraudulent charges over a XXXX week period of time, ultimately leaving my bank account negative This has been the most uncomfortable experience. I spent most of my day crying yesterday because concord credit wouldnt offer any help or give me any information. It was a very defeating feeling and not something you should feel when your account has been hacked, your money taken, and your looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Discover [ prepaid / secured ] card, account endin. On or around [ date the hold started ], 5-10 a verification hold was put on my account and i was not properly notified before hand that my money that i paid already would have a hold was placed on my available balance of $ [ 2000 ], leaving me with limited or no access to my funds.I did not authorize any large transaction or activity that would justify this hold. I contacted Discover customer service on [ XXXX - XXXX ] and spoke with representatives [ names or reference numbers if known ]. They informed me [ what they said, e.g., " it was for security reasons / verification review '' ] but have not released the hold despite my requests. This has caused me significant hardship, as I rely on these funds for [ rent, groceries, bills, etc. ] .This appears to be an unreasonable or undisclosed hold that violates fair access to my prepaid funds. I am requesting : ( 1 ) immediate release of the full hold, ( 2 ) confirmation in writing that no further holds will be placed without clear justification and notification, ( 3 ) any applicable refunds for fees caused by this issue, and ( 4 ) a full explanation of the reason for the hold.I have attached supporting documents that prove they havent given me any credit? To take a hold a against prepaid funds is predatory and seems illegal. It says I have an available balance that i a can not access!!! Also when you complain over the phone they refuse to send any type of confirmation of your complain so its no proof one phone operator hung up on me mid sentence. As I reac her the fact they havent given me any credit! Discover it prepaid card beware!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Klover Holdings, Inc.
State: NY

Complaint narrative:
I had a challenge to login to the app I received a {$15.00} advance and repaid it back early for {$19.00} and nothing has happened I don't trust this anymore. The company has no phone number and it's impossible to speak to a human. I was trying to get a new advance I'm not comfortable leaving my information here anymore. There is no human being to speak to.

Company response to consumer: Closed with explanation