vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I open td credit card account based on offer received in my house mail from TD credit card which states spend XXXX $ with in first 90 days and get XXXX $ cash back. I applied and got approved in XX/XX/year>. I spend two big transaction on XX/XX/year> $ and XXXX $ in XX/XX/XXXX reaching the required offer requirement to receive XXXX $ credit, its been more than month and half no XXXX $ credit being added. I reached out on XXXX for twice spoke with agent and after hour of conversation they said we cant do anything reach out to XXXX department. Once transferred to XXXX no one pick up and calls hang up. They have done false advertising as per there written advertising contract I have satisfy XXXX $ spending requirements with in 90 days of account opening. Now they are refusing to honor there offer. Its a TD cash credit card ( XXXX ) and I am getting emotionally distressed by this since I have to cover that XXXX $ cost to pay back my credit bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I walked into two different XXXX located on XXXX XXXX XXXX in the city of XXXX to withdraw money and at the one location I tried twice and it said transaction unavailable so I'd asked the representative if there is a problem with the ATM and you said it's not our ATM it's you know XXXX who owns the the ATM so with that said no money was dispersed so I went to a separate XXXX also located on XXXX XXXX XXXX in the city of XXXX and the same thing so I thought there was a network error cuz it kept on saying transaction unavailable so all said and done I didn't think that any money was taken out of my account until I got to the last location that I went to and I called and I said hey I'm having an issue taking out money from the ATM which there was plenty of money and they said you got to call the the bank so I called the bank I filed a dispute and here we are a year and a couple of months later and I still don't have my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear XXXX Customer Service, I am writing to formally request the removal of a late payment reported on my account for the month of XXXX. This late payment was not due to negligence or missed payment on my part, but rather due to an error in processing following a bank account update. On XX/XX/year>, I removed my old bank account with XXXX XXXX Bank from my XXXX account and added my new account with XXXX Bank. Despite completing this update on the same day, XXXX attempted to withdraw the monthly payment from my old XXXX XXXX Bank account, which caused a reported late payment. I have maintained a responsible payment history with XXXX, and this late payment is affecting my credit significantly. I respectfully request that you remove this late payment from my account and update my credit reporting to reflect my timely payment history. I have attached documentation showing the bank account update and proof that the payment could not be withdrawn from my old account. I greatly appreciate your prompt attention to this matter and your assistance in correcting this reporting error. Thank you for your understanding and for helping maintain the accuracy of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I went to purchase a car on XX/XX/year> at XXXX I financed the Car through Exeter Finance, LLC everything went through I was approved. I made a down payment of {$5000.00} signed all paperwork and was on my way. Its now XXXX. XXXX, 2026 XXXX Emailed me this. XXXX XXXX, XXXX XXXX, This is XXXX XXXX. We would like to thank you for your recent purchase. Our goal is to ensure every customer receives an iconic shopping experience. We have received notification from your financial institution regarding the status of your loan. Please contact the store as soon as possible so we can assist you in resolving this matter. So I called them and when I called them, they told me that I had to return the car because the finance Institute decided to not go through with the loan. But I was already approved and I already put everything in my name got insurance on the car and everything also I never received anything in my email saying I was denied or a reason why it was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
They keep calling texting and emailing me I have disputed this for 2 years and still no resolution just calls and texts and emails dont know what to do at this point Im very frustrated my name was also included in the XXXX and XXXX data breach report smh

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am disputing a deficiency balance following a XXXX repossession by Exeter Finance due to a significant violation of the Truth in Lending Act ( TILA ). My original Retail Installment Sale Contract ( dated XX/XX/XXXX ) disclosed an APR of 27.44 %. However, a forensic audit of the actual payment terms ( {$18000.00} principal, XXXX payments of {$550.00} ) reveals an actual APR of 27.98 %. This 0.54 % discrepancy exceeds the federal legal tolerance of 0.125 % set by TILA. Because the debt was mathematically miscalculated from the start, the subsequent repossession in XXXX was based on an invalid and inflated balance. Furthermore, I am challenging the legality of the repossession and the resulting deficiency under Missouri 's 'strict compliance ' rule for post-repossession notices. I am requesting that Exeter Finance waive the invalid deficiency balance in its entirety and correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against American Express regarding the closure of my business accounts and the delay in receiving my funds. On XX/XX/year>, American Express closed my business account ending in XXXX. At the time of closure, the balance was {$3200.00}. As of today, I have not received these funds. Additionally, my business savings account ending in XXXX was also closed by American Express, with a remaining balance of {$1000.00}. These funds have also not been returned to me. Both accounts are business accounts, and the delay in receiving these funds is negatively impacting my business operations. I have not been provided with a clear explanation for the delays, nor a definite timeline for when I will receive my money. I request immediate investigation into this matter and prompt release of my funds. Please assist in resolving this issue as soon as possible. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We are filing this complaint regarding a Best Buy Credit Card account serviced by Citibank , N.A . XXXX XXXX XXXX and XXXX XXXX XXXX are represented by counsel. Counsel sent a formal dispute and demand letter on XX/XX/year>, followed by a final demand. Those letters placed the company on written notice that the account was disputed, that counsel had been retained, and that all communications were to go through counsel only. Despite that notice, direct contact with the consumers continued. Counsel also demanded complete account validation and a full accounting from inception through the present, including all statements, purchases, payments, promotional terms, interest calculations, fees, credits, reversals, adjustments, and identification of every entity involved with the account, including any servicer, collector, law firm, assignee, or furnishing/reporting agent. That information has not been fully provided. The company has continued improper direct contact after written attorney notice while failing to produce the records needed to validate the claimed balance. If the balance is valid, the company should be able to provide a complete ledger and documentary history. We are also concerned that if this account has been furnished to any consumer reporting agencies, it may not have been properly coded as disputed after written notice of dispute. We request that the company immediately cease all direct contact with the consumers and communicate only through counsel, provide the complete account-level history from inception through the present, identify all entities involved with the account, confirm whether the account has been reported to any consumer reporting agencies and whether it has been coded as disputed, preserve all records, and explain why direct consumer contact continued after written notice of legal representation.

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 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I entered into a title pawn loan with TitleMax of Georgia XXXX XXXX for {$7600.00}, pledging my vehicle as collateral. The vehicle was physically repossessed on XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX thirteen days after the repossession TitleMax 's customer-facing online portal continued to display messaging stating that the vehicle was at risk of future recovery and that payment could be made to avoid repossession. I have a timestamped photograph of this portal message. The vehicle had already been gone for nearly two weeks. In reliance on this false portal message, I borrowed money in an attempt to redeem the vehicle, resulting in actual financial damages. The vehicle was sold by TitleMax on XX/XX/XXXX for {$6800.00}. When I contacted TitleMax about the deceptive portal message, they provided written confirmation that this portal behavior reflects intentional company policy not a technical error. TitleMax declared this matter closed on XX/XX/XXXX without acknowledging the deceptive communication or compensating me for damages caused by it. I am requesting that the CFPB investigate this as a deceptive practice and require TitleMax to remedy the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Jon Barry and Associates, Inc.
State: IL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding improper third-party communication. This company has contacted my mother multiple times about an alleged medical debt. I do not live with my mother, and they have not attempted to contact me directly before contacting her. This is a violation of the Fair Debt Collection Practices Act, which prohibits debt collectors from discussing or repeatedly contacting third parties about a debt. I am requesting that XXXX XXXX XXXX immediately cease all communication with third parties and comply with federal law moving forward. I would also like written validation of this debt sent directly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this complaint against Transworld Systems Inc. for failure to comply with federal debt collection laws after I requested validation of an alleged debt. On or about XX/XX/year>, I mailed a certified formal debt validation request to Transworld Systems Inc. regarding the following account : Original Creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$340.00} Date Opened : XX/XX/year> Account Type : Collection Account My request was made pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires a debt collector to cease collection activities until the debt is properly validated after receiving a timely dispute and validation request. To date, Transworld Systems Inc. has failed to provide any competent evidence that the alleged debt is valid, including but not limited to : A copy of the original signed agreement with the original creditor Documentation showing that Transworld Systems Inc. has legal authority to collect this debt A complete itemization of the balance claimed Proof that the debt was legally transferred or assigned to them Despite receiving my validation request, the account continues to be reported as a collection account on my consumer credit reports, which constitutes continued collection activity without proper validation. This conduct appears to violate : 15 U.S.C. 1692g ( b ) Failure to validate debt after dispute 15 U.S.C. 1692e Use of deceptive or misleading representations in connection with collection of a debt 15 U.S.C. 1692f Use of unfair or unconscionable means to collect a debt 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ) Failure to properly investigate disputed information reported to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
They closed my account for no reason and told me funds was on hold for XXXX department it will take weeks but I been waiting for months XXXX before they told me they decided to close my account and they cant release my funds which I cant see why cause I didnt receive my funds that was in my account thru no kind of illegal way they just closed it for no reason and trying to keep my money its a mobile bank called current bank it was XXXX XXXX in my account I been going thru this problem since XXXX or XXXX of last year

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harpeth Financial Services, LLC
State: WI

Complaint narrative:
I entered into a line of credit agreement with Advance Financial ( XXXX ) in XXXX for approximately {$1900.00}. Since that time, I have paid approximately {$13000.00} through biweekly automatic withdrawals from my bank account. Despite paying several times the original amount borrowed, I am still being told that I owe a remaining balance. I attempted to resolve this matter directly with the company by requesting written communication, including a full payment history, a breakdown of all fees and interest, and any available settlement options. However, the company has failed to provide this information. The only form of communication they have attempted is by phone. I specifically requested written communication so I could properly review the account and any proposed resolution, but they have not complied. Additionally, I attempted to contact the company via the email address listed on their official website ( XXXX ), but the email does not exist and my message was returned as undeliverable. This effectively prevents me from communicating with the company in writing. Due to these issues, I revoked ACH authorization through my financial institution to prevent further unauthorized or unclear withdrawals. I am concerned that the amount paid far exceeds the original credit extended, and I have not been provided with sufficient transparency regarding how the balance is calculated. This raises concerns about excessive fees, interest, and potentially unfair or abusive practices. I am requesting : - A full and accurate accounting of all payments, fees, and interest. - Written communication regarding my account. - A fair and reasonable resolution of this debt given the amount already paid. I am seeking assistance in resolving this matter and ensuring that the company provides proper documentation and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have applied today XXXX XXXX for a credit card with Wellsfargo Bank which I held a checking account with XXXX balance and a Car Loan with Wells Fargo. When I applied for the credit card, the application was declined therefore I called to appeal the decision which I have been informed by XXXX from the XXXX department that my application was denied based on XXXX credit report stating that my credit report has a serious delinquency which is absolutely wrong since I red financed my mortgage on XX/XX/XXXX XXXX, Wells Fargo is relying on old information from XXXX that needs to be updated. Also I dont understand how did I get a car loan with Wells Fargo and they deny my credit card application. I need my application to be reevaluated and the credit bureau to remove the old accounts from my credit report that causing negative results which had been on my account since 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 2026-04-07 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: OK

Complaint narrative:
XX/XX/XXXX I called Capital One about a {$200.00} charge ( XX/XX/XXXX ) on our XXXX XXXX XXXX Credit Card. The rep also found a charge a charge for {$540.00} from XX/XX/year> from XXXX XXXX as well. I asked to report both of these charges as we do not have Utilites in XXXX. Our Business is in XXXX XXXX and our personal house is in XXXX XXXX XXXX And not right to have 2 random charges from a utility company. They bill monthly. XX/XX/XXXX : See that Capital One charged my card back for the {$540.00}. Call and talk to rep and explained situation. They say the case is closed I have a recurring charge from XXXX XXXX XXXX. I explain to her that XXXX XXXX XXXX and XXXX XXXX are 2 different companies. She says they will investigate the claim more. XX/XX/XXXX : Call to check on claim. Again told the claim is closed because not Fraud. I ask will the call XXXX utilities to see what I am being charged for. And I ask to speak to her supervisor. She tells me she is the top and not they will not call XXXX XXXX and that they haven't called them. I call XXXX XXXX this time as Capital One isn't helping out all. Rep confirms that these transactions are Fraud for a property on XXXX in XXXX. He confirms we do not have an acct on file with them. Call Cap One again they just refuse to investigate or call XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year> I sent a certified debt validation letter to Midland Credit Management at XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX. The letter was delivered and signed by XXXX XXXX on XX/XX/year>. I requested validation of a {$16000.00} debt originally owed to XXXX XXXX. that Midland purchased as a debt buyer. I requested the original signed credit agreement, complete payment history, proof of legal right to collect, and chain of title documentation. Midland has failed to respond within the 30 day requirement under the Fair Debt Collection Practices Act. The account continues to report on my XXXX credit report damaging my credit score. I also filed a dispute with XXXX on XX/XX/year> which returned as Updated on XX/XX/year> not deleted. Midland has taken negative action against my credit without validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: Credit Karma, LLC
State: CA

Complaint narrative:
I got a notification from my Credit Karma that I had a transaction of XXXX and something dollars which I had no knowledge of dont know why I never authorized it come through on my account because it happened on a weekend. I waited the next business day to call Karma account so I could dispute the charges. They closed down the account where it came from then the next following day another transaction came through for XXXX something dollars unauthorized dont know where the charge came from. I called immediately and disputed that and asked them to please close down my account. I had transferred the remaining of my money into another account because I no longer felt safe keeping any money in that account three or to five days later I got a notification from Credit Karma stating that my disputes were denied. I called them the next morning to ask why those were being denied and asked for the information which was never sent to me a reason why and I also filed a police report to report the theft

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: MA

Complaint narrative:
This company not only calls me from all different phone numbers which I block and report all day long, but have now contacted my family members via phone which I have no idea how they got their numbers because one of the family members I rarely speak to. Not only was this humiliating to me, but its a complete violation of my civil rights.

Company response to consumer: Closed with explanation