vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX, I entered into a secured personal loan with a consumer finance company. The loan documents reflect an APR of approximately 35.96 %, an amount financed of approximately {$10000.00}, and a total of payments exceeding {$22000.00} over a five-year term. 

I obtained the loan for the specific purpose of covering past-due rent in an effort to prevent eviction. At the time, I was on a medically documented leave of absence, my income had been reduced to approximately 30 % of normal earnings, and XXXX insurance payments had not yet begun. These circumstances were disclosed to the lender during the application process. 

I initially sought a loan in the range of {$6000.00} {$9000.00}. After approval, the lender repeatedly contacted me over the following weeks encouraging me to increase the loan amount, stating that I had been approved for up to approximately {$19000.00}. I declined the additional credit. 

Critically, I did not clearly understand that my fully paid-off vehicle would be used as collateral until the day of signing. The collateral requirement was not meaningfully disclosed earlier in the process, despite the vehicle being my only remaining significant asset. Given my housing instability, reduced income, and medical circumstances, I felt pressured to proceed. 

The loan was approved despite my reduced income and without a reasonable assessment of ability to repay, resulting in a high-interest secured obligation entered into during an emergency housing situation. 

In the months that followed, my financial instability continued, including the loss of employment, which further impaired my ability to repay. By XXXX, the account entered delinquency status, and the vehicle securing the loan was repossessed. The vehicle was subsequently sold, and approximately {$10000.00} in sale proceeds were applied to the loan balance. 

Despite the liquidation of the collateral, the account continued to reflect a remaining balance of approximately {$8500.00} as of XX/XX/XXXX, demonstrating the disproportionate impact of interest, fees, and loan structure relative to the original amount financed. 

I believe this loan raises serious concerns regarding : Ability-to-repay determinations Timing and adequacy of collateral disclosures Repeated upselling of additional credit Unfair or abusive acts or practices associated with high-cost secured lending during periods of known vulnerability I respectfully request that the CFPB review the lenders underwriting, disclosure, servicing, and collection practices to determine whether this loan was responsibly originated and serviced in compliance with federal consumer protection laws, including the Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Westlake Financial financed a vehicle that was sold to me with undisclosed emissions and DEF deletion, making it illegal to register in my state ( Maryland ). The dealer never disclosed the deletion or off-road only status.

Because the vehicle could not pass inspection, I incurred XXXX  of dollars in repair costs, which directly caused missed payments and repossession. I dispute the validity of the loan and any deficiency balance and request correction of any negative credit reporting. 
I am requesting a formal investigation, suspension of collections, and resolution of this account due to an illegal and undisclosed vehicle condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I will attach my complaint below. But I had Bank of America merchant block XXXX on XX/XX/year>. They said they did multiple times but Merchant was still able to charge my account which was compromised and empty it. When I requested Bank of America to make things right they refused.

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 monetary relief
Consumer complaint received 2026-01-08 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: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and damaging credit reporting recently made by PennyMac regarding my mortgage account. 

I was placed on an approved forbearance plan that was scheduled to end on XX/XX/year>. Under FHA and government forbearance guidelines, I was protected from adverse credit reporting during this period. Additionally, I was explicitly advised by a PennyMac representative that if I exited the forbearance early and resolved the outstanding balance, my credit reporting would remain protected.

Following this guidance, I applied for and was accepted and approved for the FHA Payment Supplement Program, which is intended to resolve the forbearance-related debt in full.

Despite this, I was notified today that PennyMac has reported my account as 120 days past due, resulting in a major derogatory mark on my credit report. This reporting is incorrect, misleading, and inconsistent with FHA servicing guidelines, as well as the representations made to me by your agent.

This erroneous reporting has caused significant harm to my financial standing and has negatively impacted my mental well-being. I consider this matter urgent and expect it to be corrected immediately.

I am requesting the following actions without delay : Immediate correction and removal of the 120-day past-due reporting from all credit bureaus Confirmation that my account reflects compliance with FHA forbearance and Payment Supplement Program guidelines Written confirmation once the corrections have been completed If this matter is not promptly resolved, I will have no choice but to pursue further action, including consultation with legal counsel and filing formal complaints with the appropriate regulatory agencies.

Please treat this matter with the urgency it warrants. I look forward to your immediate response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Regarding a Kohls credit card, Kohls credit was bought out by Capital One credit card, the last payment I authorized from my bank account of {$160.00}, was XXXX, before the changeover to Capital One on XXXX, which Kohls stated had to be done before the changeover. Apparently, Kohls provided the incorrect info to its customers, and they kept the money and did not transfer it to Capital One. After noticing that my statement from Capital One was incorrect, saying I owed a balance plus interest. On XX/XX/year>, I called Capital One customer service to hopefully get this mistake corrected and resolved. I spoke to multiple CSRs, who all passed the XXXX, because no one knew what to do to resolve it. The last CSR was rude and inconsiderate, did not try to help at all, so I canceled the card. Ever since then, I have received nasty, pushy emails saying I had to pay the balance. I will not pay the balance nor any interest charges, since the problem was not caused by me, but by Kohls. 
Lastly, Capital One acquired the XXXX XXXX XXXX XXXX  company this past XXXX. I have had a XXXX XXXX for over 30 years with an outstanding credit history. Someone from Capital One decided to dump the incorrect past due balance onto my XXXX XXXX, which is wrong and fraudulent. I want to have all of this corrected immediately and restore my credit rating. I will not be paying any finance charges or fees. I would like a mailed written apology sent to me and a statement showing the corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: Block, Inc.
State: NY

Complaint narrative:
XXXX applied an internal buffer to my transaction that materially reduced my refund after the merchant issued a refund. XXXX states buffers are not fees and are not charged, yet used the buffer to lower the adjusted order total and reduce my net refund. 

I disputed this internally and requested either a corrective credit or written confirmation showing where this practice is disclosed in XXXX consumer terms. XXXX refused both, relied on internal accounting explanations unrelated to consumer refund rights, and closed the complaint as final. 

This is an unresolved billing dispute involving an incorrect refund amount caused by an undisclosed internal adjustment. I am seeking to be made whole for the refund value lost due to XXXX buffer logic.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX  charged me with out my authorization for {$690.00} and is refusing to reimburse me the total amount and cash app my checking account is having a hard time with them as well but I sure need my stuff to return XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
Topic Selected : Private student loans Loan discharge or forgiveness Servicer : MOHELA ( on behalf of XXXX  ) What Happened : I am seeking a discharge of private student loans that were issued under false pretenses while I was enrolled at XXXX XXXX University ( XXXX ), part of XXXX XXXX XXXX ( XXXX ), in XXXX. 

The school misrepresented job placement rates, program prestige, transfer credit promises, and pressured me to take out private loans with XXXX XXXX under false terms. These claims have since been validated in public investigations including the XXXX XXXX HELP Committee Report, the XXXX Report, and multi-state attorney general settlements with both XXXX and XXXX. 

Despite submitting a complete application and appeal ( s ) under the School Misconduct Discharge program with all required supporting documentation ( loan history, enrollment catalogs, job placement claims, loan terms, public rulings, and evidence of harm ) my application has been denied repeatedly, most recently with denial codes 27. I'm submitting the same information and adding more supporting documents and received even more denial codes than previous appeals. And the denial codes appear to change each time. See attached denial letters.

These denials fail to acknowledge the systemic misconduct I experienced and ignore evidence that has been validated by legal settlements and government investigations. MOHELAs refusal to discharge loans in light of this evidence is both unjust and harmful.

I am seeking formal review and investigation into MOHELA/XXXX handling of School Misconduct Discharge applications, including a review of their criteria, denial processes, and failure to recognize validated misconduct. I am also requesting relief and discharge of my private loans under the authority of systemic institutional fraud.

Supporting documentation is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I downloaded the Coinbase app and opened a Coinbase account for the first time, following instructions provided by an individual who later turned out to be a scammer. 

On XX/XX/year>, a {$50000.00} wire transfer from my bank was credited to my Coinbase account. Within approximately one hour of the funds becoming available, I attempted to purchase and transfer approximately {$50000.00} worth of XXXX to an external wallet address provided by the scammer. This was my first transaction using Coinbase. 

At the time of the transfer, Coinbase sent an automated email indicating the transaction was delayed pending completion of a scam safety quiz. However, the warning arrived while I was actively being guided through the transfer by the scammer in real time. The scammer falsely told me the funds had already been received by a trading platform, and I reasonably believed the transfer had gone through. I did not understand that the funds were still on hold or that failing to proceed would cancel the transaction. 

On XX/XX/year>, I discovered that I had been the victim of a cryptocurrency investment scam commonly referred to as a pig-butchering scam. The XXXX was sent to a scammer-controlled wallet and subsequently moved through multiple additional wallets before reaching what appears to be a large exchange wallet. 

That same day, I contacted Coinbase customer support via live chat and reported the fraud. I provided the scammers wallet addresses, the full transaction chain, and transaction hashes, and requested escalation, internal wallet flagging, and an explanation of whether stronger fraud safeguards should have applied to a first-time, high-value transaction. Coinbase created XXXX # XXXX but did not escalate the matter or provide meaningful assistance beyond stating that cryptocurrency transactions are irreversible. I am submitting this complaint due to inadequate and ineffective fraud safeguards and lack of meaningful support after promptly reporting the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I am submitting this complaint regarding Capital Ones handling of clear and excessive fraudulent activity on my credit card account and their failure to protect me as a consumer.

I have maintained a Capital One credit card account for approximately five years and have always managed it responsibly. Prior to this incident, my credit score averaged approximately XXXX, and my established credit limit on this account was {$4000.00}. 
On XX/XX/2025, my account balance was {$3900.00}, leaving very little available credit. Despite this, on XXXX XXXX XXXX Capital One permitted {$2300.00} in additional charges to post to my accountwell over my {$4000.00} credit limit. I did not authorize or make these charges. 
Rather than declining these transactions or locking the card due to obvious suspicious activity, Capital One unilaterally increased my credit limit to {$5500.00} and continued to allow fraudulent charges to post. This occurred without my knowledge or consent and directly facilitated further financial harm. 
Within a two-day period, Capital One allowed a total of {$2500.00} to be charged over my original {$4000.00} credit limit. These transactions were clearly inconsistent with my spending patterns and should have triggered fraud prevention safeguards. At no point did Capital One contact me to verify the legitimacy of these charges or obtain authorization for the credit limit increase. 
I only became aware of the situation after the damage had already occurred, at which point I immediately placed a lock on my card. I have since contacted the various vendors involved, who informed me that the matter can not be resolved through them and must be handled directly by Capital One. 
Capital Ones actionsor lack thereofrepresent a serious failure in consumer protection. At a minimum, the company should have : Declined all charges exceeding my credit limit Locked the card upon detecting suspicious activity Contacted me before increasing my credit limit Prevented continued fraudulent use of my account Instead, Capital Ones conduct enabled additional unauthorized charges and exposed me to financial and credit harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I spoke to customer service agent XXXX, I applied for hardship program for my XXXX XXXX XXXX, I was injured on XX/XX/XXXX by bricks falling off my apartment building onto my head. I emailed my neurologist report to Captial one CEO XXXX XXXX .I was offered a lower payment plan arrangement for open and closed accounts, I requested that Capital One remove or reduce late fees and accrued interest related to medical hardship. I was denied this option .I would like a payment adjustment to open and closed account I have one open account # XXXX {$490.00} Three closed accounts # XXXX {$330.00} XXXX {$460.00} XXXX. {$700.00} Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I made a purchase for {$53.00} on XXXX from XXXX  ( transaction on my bank statement shows it as XXXX ). The item never shipped, so I reached out and requested information on XXXX and noone has replied. I have called the phone number on their website and noone answers. The same day ( XXXX ) they attempted to fraudulently charge me with 3 unauthorized transactions. {$340.00}, {$390.00}, and {$340.00} respectively. The final charge for {$340.00} went through, and the funds were removed from my account. I have opened 2 disputes with Chime ; One for the initial authorized transaction of {$53.00}, and one for the unauthorized transaction of {$340.00}. The dispute for {$53.00} is still open, but the dispute for {$340.00} has been declined by Chime. I have contacted Chime NUMEROUS times today ( XXXX ) in an attempt to resolve this and have my stolen funds returned ( ESPECIALLY the one I DID NOT AUTHORIZE ), to no avail. They are refusing to help me. I have filed a theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
The company is trying to charge me a {$6.00} surcharge to use my debit card to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: ID

Complaint narrative:
On XX/XX/year>, i received a text stating that the associated phone number to account had been changed, and to alert Chime if it wasn't authorized. I immediately called and I was completely locked out of the app, even biometrically. Chime had to help me get in. Upon entry, whomever took control of account, took all of my savings {$320.00}, and also did a " my pay advance '' of {$38.00}, taking all monies out of my account. I immediately disputed. Chime has denied the claim 5 times and will not provide an answer, despite me filing claims with FTC and a police report. I am getting the run around and am exasperated dealing with them. I plan to call again today as they denied in middle of the night yet again. I have read that Chime has had issues with this and been fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXXXXXX placed a hard inquiry on my Equifax credit report without my knowledge, authorization, or consent. I did not submit an application or otherwise authorize access to my consumer report for any permissible purpose as defined by the Fair Credit Reporting Act ( FCRA ). 

I have no relationship with XXXX XXXX XXXXXXXX and did not provide consentwritten or otherwisefor this inquiry. Equifax nonetheless reported the inquiry as a hard inquiry, causing unwarranted damage to my creditworthiness. 

This inquiry violates FCRA 604 ( 15 U.S.C. 1681b ) regarding permissible purpose and FCRA 611 ( 15 U.S.C. 1681i ) requiring consumer reporting agencies to maintain accurate reporting and properly reinvestigate disputed information.

Company response to consumer: Closed with non-monetary relief