vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Company name : Robinhood Product : Credit card Issue : Billing dispute / Charged fees on an account I can not access Sub-issue : Card never received, late fees charged, account inaccessible I am filing a formal complaint regarding a Robinhood Gold credit card account that appears to have been approved through XXXX XXXX, but for which I never received a physical card, never activated or used the card, and never had access to the account. 

I applied for the Robinhood Gold credit card through XXXX XXXX and was informed that I was approved. However, I never received the card. When I log into my Robinhood app, it continues to state that I am waitlisted and not approved for a credit card. I have no ability to view the account, see statements, make payments, or manage the card in any way.

Despite this, Robinhood has sent me text messages and emails stating that I owe a minimum payment and has charged late fees on a balance I had no ability to view or pay. I never received the card, never activated it, and never used it. 

I have attempted multiple times to contact Robinhood customer support by email and phone, but I have not received meaningful assistance or a resolution, As its all seems to be AI Chat bots and no actual person who is their to help me out. The app provides no way to access the account, and customer support has not resolved the issue. 

This situation has left me being charged fees on an account that was never accessible to me, which I believe constitutes a billing error under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: AL

Complaint narrative:
CREDITORNAME is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this second CFPB complaint to formally escalate Midland Credit Management , Inc.s ( MCM ) failure to comply with its investigation and verification obligations under the Fair Credit Reporting Act ( FCRA ) and applicable CFPB standards. 

I previously disputed the accuracy, ownership, and legal right to collect on the following accounts, both directly and through the credit reporting agencies : MCM Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX  ( XXXX  ) MCM Account # XXXX Original Creditor : XXXX XXXX XXXX  ( XXXX  ) In response to my initial CFPB complaint, XXXX provided a boilerplate letter asserting that seller-provided verification satisfies the FDCPA and that original contracts, complete account histories, and assignment documentation are not required. 

This response is legally insufficient and non-responsive for the following reasons : Violations 1. Failure to Conduct a Reasonable Investigation FCRA 1681s-2 ( b ) Once notified of my disputes through the CFPB and credit reporting agencies, MCM was required to conduct a reasonable investigation and verify the accuracy and ownership of the information being reported.

Instead, MCM admits it relied solely on unverified data provided by the seller, without producing or reviewing : A complete chain of title A bill of sale or assignment identifying my specific accounts A complete account-level payment history Documentation supporting the balances being reported Reliance on seller data alone does not constitute a reasonable investigation under the FCRA.

2. Improper Reliance on FDCPA Validation Standards MCM improperly conflated FDCPA 809 validation with its FCRA verification obligations.

My dispute concerned : Accuracy of reporting Legal ownership Right to collect Compliance with Metro 2 reporting standards FDCPA case law cited by MCM does not relieve it of its independent duties under FCRA 1681s-2 ( b ).

3. Continued Reporting of Unverifiable Information FCRA 1681s-2 ( b ) ( 1 ) ( D ) Because MCM can not produce competent evidence verifying ownership, balance accuracy, or lawful assignment, the accounts are unverifiable and must be deleted.

Despite this, MCM continues to furnish the accounts to consumer reporting agencies.

4. CFPB Complaint Handling Failure The CFPB complaint process requires a substantiated investigation and fact-specific response. MCMs response consisted of generalized legal assertions and did not address the specific deficiencies raised in my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Arivo Acceptance, LLC
State: IN

Complaint narrative:
b'Unclear information regarding portions of monthly car payment going towards interest and principle inconsistencies every month'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: TX

Complaint narrative:
I closed my account with First Progress in XX/XX/XXXX, they said they would return my security deposit, but I have never received it. I have been called every few months and they tell me the same thing. Today XX/XX/XXXX I called and they told me the balance shows XXXX, but they still have never sent me my deposit back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am requesting a goodwill review of a single late payment reported on my Wells Fargo issued XXXX XXXX. 

The late payment was a one time oversight on a small XXXX dollar balance and was paid promptly once identified. The account is currently in good standing and I otherwise have a positive payment history. 

I contacted the company and was advised to dispute through the credit bureaus, which I have done. I am not disputing the accuracy of the payment history. I am respectfully requesting a one time courtesy or goodwill adjustment to remove this isolated late payment due to its minimal amount and isolated nature.

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 2026-01-09 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: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
On XX/XX/year>, I used my FNBO credit card ( at XXXX ). Afterwards, I was notified that my cc points were used as a credit on that purchase. Questioned the credit card company. Must have/was informed I must have chosen that option. Was told that they could not reverse it. I questioned the program with retail program with the credit card company ( FNBO ) and they couldn't answer many questions because it was new. Told them that I don't remember seeing any communication on this new program. Sorry was what I got. Asked for transfer to a XXXX They called later and no help there except that I it was my responsibility on choice. Shared with the XXXX that I purchase around {$5000.00} a month on this credit card ( and pay off in full ) and had never seen any communication of this option/program. Also, this was a point of sale transaction. I transacted this at a self service register with no employee around and there was a line of people waiting to checkout. Oh & further, the points that I was charged for the discount was greater than had I taken a statement credit. And they were very reluctant to give me a clear answer on that. Started talking about statement points versus $ value. Very evasive. BTW, we are XXXX XXXX XXXX so we get point credits from them. So even if i was aware of the credit option, it was would have been easy hidden in this transaction as it would have been confused with the XXXX club benefits. Very confusing, no upfront communication, terrible explanation and not ability to correct what is a design flaw of the credit card company.

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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year> I applied for the XXXX XXXX XXXX card from the XXXX website. The application went to Chase for which I am a current credit card customer.

The application went to pending review status.

I had called several times to get any updates, the first times I was told that Chase has all the required information and will be processing the application.

Weeks have passed and the last time I called I was told the application was declined with no reason given.

Til this date I have not received any written notice in the mail on the application denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I signed up for a Checking and Savings account with Citizens Bank ( https : //www.citizensbank.com/homepage.aspx ). I signed up with a code from a promotional mailer. The gist of the terms were specific deposits to be made to each account by specific dates. I have attached the mailer terms. 

I opened my account on or around XX/XX/XXXX. Through the next few months, I met all the terms as requested. The expected payout was to be by XX/XX/XXXX. However, I have not been paid as of XX/XX/XXXX. Citizens Banks agrees I met the deposit and balance requirements. However, they claim that I did not meet all requirements because my account was " closed '' and then " re-opened '' during the timeline of the offer. 

To be clear, I was never notified in any way that my accounts were subject to closure. I never made any action to close my account. The only communication I received in this regard was a generic feedback email that stated my account was closed ( attached ). This email was received XX/XX/XXXX, 1 day after I made my first deposit. My account was clearly active and I had full access to their online platform and services at this point. Citizen Bank agrees my account was active at this point. At the time, I assumed the email was purely an error. My account is still active as of XX/XX/XXXX. 

Also, to clarify, I never experienced any loss of access to my account. Nothing ( except for 1 clearly inaccurate feedback email ) ever reasonably indicated my account was closed. I never lost any access to the online platform or services. In addition, nothing ever indicated my account was " re-opened ''. They claim it was automatically " re-opened '' when I made my first deposit. I had zero reasons to believe that my account was ever closed or re-opened.

Frankly, I feel that it is in clear bad faith of the terms that I was disqualified because my account was covertly closed and re-opened by Citizens Bank, without any notification or action on my end. ( Again, disregarding the one generic feedback email that was delayed and inaccurate ). At no point did I ever experience any change in my online access to their platform or services. At no point did I ever take any action to close or re-open the account.

I have attached the promotional mailer, the generic feedback email from Citizens, screenshots showing I met the deposit/holding requirements, and the communication from Citizens giving their reasoning that I did not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc.
State: AZ

Complaint narrative:
On approx .. XX/XX/year> I entered an incorrect pin in an atm while trying to withdrawal cash. ( I entered correct numbers but in the wrong order ) On approx. XXXX XXXX I contacted cash app support to find out why I wasnt able to withdraw cash from an atm. They explained the account was locked and I would have to open a new account in order access my previous account and change my pin. A new account was opened but had problems with the Id verification process in which I was using my drivers license to validate my identification.My drivers license was somewhat scratched from taking in out of my wallet so I ordered a new license which I received 14 days later and submitted to cash app. Finally validating my IDENTITY. 
Now the 2nd week of XX/XX/year>, cash app support required a phone number or email used when I originally opened the first account which I no longer remembered. I submitted several phone numbers and email addresses previously used none of which worked to open the account. I stayed in contact with cash app support mangers at least twice weekly and each time I emailed or called I was given a different manager to speak with and told no progress had been made. Meanwhile another direct deposit was made into the account I had no access to. Cash app then suggested I contact my employer and change my direct deposit account so funds could be deposited into the new account. Ive had 1deposit successfully deposited into the new account and had no problems withdrawing funds. Recently I was successful at accessing my old account via an email I recovered from personal notes although a code was sent for validation I dont have access to that email address and could not retrieve that code.

Heres where cash app has left me to my own demise, I am not computer savvy by any means but can follow directions easily. Im at a standstill at this point and not getting any help from cash app. My two deposits that were made into that account were for {$150.00} totaling {$300.00}.

Please advise and thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I am submitting a complaint regarding SoFi Bank, N.A.s addition of a {$10.00} ( {$120.00} annual fee ) monthly fee to my previously no-fee credit card account and the conflicting, misleading information provided about my right to opt out of this change. I opened and maintained the SoFi
Unlimited 2 % Credit Card specifically because it was marketed and structured as having no annual or monthly fee. On notice dated XX/XX/year>, XXXX informed me that it is imposing a new $ XXXX  monthly fee effective XX/XX/year>. 

SoFis notice states that I may opt out of this change, in which case my account would be closed to new transactions and I may continue to receive monthly statements and make payments until my balance is paid in full. However, the Detailed Changes section of the same notice contains language stating that the monthly fee is charged every month the account is open and that the account must be closed and paid in full, which implies that the fee may continue to be charged unless the entire balance is immediately repaid.

This will also be a negative effect on my Credit Report on most agencies due to closing the account.

Additionally, I have been told by SoFi that unless I pay my full balance within the notice period, the monthly fee will apply anyway. This directly contradicts SoFis written opt-out explanation, consumer law, and materially misrepresents my rights as a consumer.

As a result, I am presented with a coercive choice : accept a recurring fee that did not exist at account opening, or face credit harm or accelerated repayment pressure in order to avoid the fee. Closing a long-standing credit card account can negatively impact my credit score by reducing available credit and increasing utilization, and conditioning fee avoidance on full repayment places improper pressure on consumers with large balances.

These conflicting disclosures create significant confusion and appear designed to discourage consumers from exercising their opt-out rights. Conditioning the avoidance of a rejected fee on immediate repayment is unfair, misleading, and inconsistent with the spirit and requirements of the Credit CARD Acts consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: AL

Complaint narrative:
BOUNCE AI INC is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE AI 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding improper servicing of a private student loan following a refinance completed in XX/XX/XXXX. The loan was refinanced and a payoff payment was sent at that time ; however, the servicer failed to close the account or properly administer any remaining balance. 

Since XX/XX/XXXX, the servicer has repeatedly issued statements billing {$0.00} due, with no minimum payment, no next payment obligation, and no delinquency status. Despite this, the servicer continued to accrue interest on the account for multiple years. The most recent statement dated XX/XX/XXXX again shows a total payment due of {$0.00} while interest continues to accrue. 

At no point was I notified of any payoff shortfall, provided a remaining balance notice, issued periodic billing statements establishing a payment obligation, or informed that interest would continue to accrue absent payment. This deprived me of a meaningful opportunity to address or prevent the accumulation of interest. When I recently offered to resolve the alleged balance in good faith, the servicer declined to accept payment by credit card, further underscoring the absence of any clearly disclosed or actionable repayment obligation.

Billing a borrower {$0.00} while allowing interest to accrue indefinitely, without proper disclosure or billing, is misleading and constitutes an unfair and deceptive servicing practice. I dispute all post-XXXX XXXX interest and any balance resulting from these servicing failures. I am requesting that the servicer close the account with a {$0.00} balance or, at minimum, provide a complete accounting and legal basis for the claimed balance and interest accrual.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
Misinformation/False reporting of a late payment for XXXXXXXX XXXX for {$620.00} despite payments being made on time Reached out to Mazda financials multiple times and misinformation of late payment has yet to be removed from credit reporting To Whom It May Concern, This letter serves as a * * formal Cease and Desist Notice * * and * * Notice of Billing Dispute * * pursuant to * * 15 U.S.C. 1692c * *, * * 15 U.S.C. 1666 * *, and * * 15 U.S.C. 1666 ( b ) * *.

# # # Cease and Desist 15 U.S.C. 1692c Pursuant to * * 15 U.S.C. 1692c ( c ) * *
, you are hereby * * directed to cease and desist all communication * * with me regarding the above-referenced account ( s ), including but not limited to phone calls, text messages, emails, mailed correspondence, or contact through third parties. 

You are only permitted to contact me for the limited purposes explicitly allowed by law, including : 1. To advise that further efforts are being terminated ; or 2. To notify me of specific legal remedies that you intend to invoke.

Any communication outside of these exceptions will constitute a * * knowing violation of federal law * *.

# # # Notice of Billing Dispute 15 U.S.C. 1666 & 1666 ( b ) This letter also constitutes * * formal written notice of dispute * * regarding billing errors associated with the above-referenced account ( s ) under the * * Fair Credit Billing Act * *.

Pursuant to * * 15 U.S.C. 1666 ( b ) * *, the disputed errors include, but are not limited to : * Charges not made or authorized by me; * Charges containing computational or accounting errors; * Charges for goods or services not accepted or not delivered as agreed ; * Charges for which I have requested clarification or documentation that has not been properly provided. 

Under * * 15 U.S.C. 1666 ( a ) * *, you are required to : * Acknowledge receipt of this dispute within * * 30 days * * ; and * Conduct a reasonable investigation and correct or verify the billing error within * * two billing cycles ( not to exceed 90 days ) * *. 

During the pendency of this investigation, you are * * prohibited from attempting to collect the disputed amount * *, reporting it as delinquent, or taking adverse action related to the disputed balance. 

# # # Notice of Liability Failure to comply with the above federal statutes may result in : * Statutory damages; * Actual damages; * Attorneys fees and costs ; * Regulatory complaints ; and * Civil action without further notice. 

This letter is sent without waiver of any rights, claims, or remedies, all of which are expressly reserved. 

Govern yourself accordingly. 

Sincerely, XXXX

Company response to consumer: Closed with explanation