vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Subject : Request to Correct 30-Day Delinquency Reporting Caused by Autopay Threshold Change ( Account ending XXXX ) To Whom It May Concern, I am submitting a formal complaint regarding Huntington National Bank reporting a 30-day delinquency on a small line of credit for which I am a co-signer/co-borrower. The primary borrower is XXXX XXXX. The account is ending in XXXX. 

What happened A {$7.00} past-due amount triggered a 30-day past due status that was reported to the credit bureaus under my name as the co-signer, resulting in an approximately 40-point decline in my credit score. 

The account was enrolled in automatic payment, but XXXX implemented a process where payments under {$10.00} are not auto-debited. This policy change prevented the scheduled payment from occurring and directly caused the delinquency. 

I did not receive any notification ( mail, email, or other alert ) about this autopay threshold change or the missed payment, and I was unaware of the delinquency until the credit reporting impact occurred. 

Impact / hardship This is creating a serious hardship because I am currently pursuing a new role in banking and also in the process of applying for a mortgage. A 30-day delinquencyespecially driven by a bank process change that blocked an active autopay arrangementhas an outsized impact relative to the amount past due and is harming my ability to move forward on time-sensitive personal and professional decisions. 

Contact with Huntington On XX/XX/year>, I contacted Huntington and spoke with a representative named XXXX, who stated that the dollar amount does not matter and that the payment is considered late. He suggested I dispute the late status with the credit bureaus, which I am doing ; however, the underlying issue is Huntingtons autopay policy change and lack of notice, which caused the delinquency.

Resolution requested Correct/withdraw the 30-day delinquency reporting associated with this event for the co-signer/co-borrower and update the credit bureaus accordingly ; Provide written confirmation of the correction and the date the updates were transmitted to each bureau ; and Provide documentation of ( a ) the autopay policy/threshold preventing payments under {$10.00} from drafting and ( b ) the method and date of any notice provided to borrowers/co-borrowers about this change. 

I can provide supporting documentation ( statements/payment history, and credit report excerpt ) upon request. 

Sincerely, XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: UT

Complaint narrative:
Setup personal account with cashapp but I can't get the personal card with cashapp for some reason. One side is personal and the other side is business

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: AZ

Complaint narrative:
XXXX XXXX debit card I was in jail at the time and somebody used my account and withdrew XXXX dollars and it's covered bye fraud protection by XXXX XXXX policies I showed them the proof I was in jail and the statements that show the dates and times plus the police report with the police report number I also have done research and found out that XXXX XXXX has been doing this same thing to many people and this has been a on going issue with XXXX XXXX I have called them many times and have been on hold for hours and then start talking to agent discussing this issue and magically the call gets dropped

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint against Credence Resource Management , LLC, a third-party debt collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX for multiple violations of federal consumer protection law. On or about XX/XX/XXXX, Credence placed a collection tradeline on my credit report in the amount of {$3300.00}, allegedly on behalf of XXXX XXXX under account number XXXX. The account is currently reporting as a collection account with a past due balance as of XX/XX/XXXX. Prior to discovering this collection on my credit report, I never received any communication whatsoever from Credence Resource Management no letter, no phone call, no email, no text message, no validation notice, nothing. The first time I became aware of this alleged debt was when I checked my credit report and found the collection already reporting. Credence never sent me the required written validation notice within five days of its initial communication as required by 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act. In fact, Credence never sent me any notice at all. Despite this, Credence reported the alleged debt to the credit bureaus, which constitutes collection activity without providing validation in violation of 15 U.S.C. 1692g ( b ). By reporting an unvalidated debt as though it were valid and undisputed, Credence also made false and misleading representations in violation of 15 U.S.C. 1692e and used unfair and unconscionable means to collect a debt in violation of 15 U.S.C. 1692f. Additionally, as a furnisher of information, Credence violated the Fair Credit Reporting Act by reporting inherently inaccurate information to consumer reporting agencies without first ensuring accuracy or providing the legally required notices under 15 U.S.C. 1681s-2 ( a ). I dispute this alleged debt in its entirety. This unauthorized tradeline has materially damaged my credit score and my ability to obtain credit. I have sent Credence a formal demand letter via certified mail to both their SOS-registered address and their credit report address, disputing the debt and demanding deletion. I have also prepared a lawsuit for filing in XXXX XXXX XXXX, Texas, under the FDCPA, FCRA, Texas Debt Collection Act, and Texas Deceptive Trade Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 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: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
In decemer after reviewing statements for my account I noticed an unauthorized EFT from XXXX my account in the amount of {$1400.00} from an unkown company. This account also is very rarely debited and is only used for EFT to pay taxes in XXXX. EFT to any non-governmental organizations or withdrawls during the year are not normal for this account. I notified my bank about this unauthorized transaction in XXXX via chat. I received a letter in the mail requesting a written dispute which I provided in branch after a week delay to gather information. Frost then notified they were closing the dispute becuase the " merchant will not accpet a reversal of teh transation ( s ) in question. '' I had them reopen the dispute and then they provided me an invoice from the merchant that has no information other than the amount and my company name. No product, no service, and no signature or contact information for my organization or the charging organization. Calling the merchant is a fake XXXX ( XXXX ) number that leads to an unrelated call center. 

Frost has still refused to credit my account for the clearly fraudulent transaction. 

Frost was initially notified of the dispute XX/XX/XXXX XXXX The transcation date was XX/XX/XXXX. 

Frost did not furnish a copy of the " invoice '' until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern : I recently filed a dispute with XXXX for a XXXX  day late payment that was on my credit report due to their payment processing error. I paid my account on time. However, my account was issued a XXXX  day late payment that doesn't reflect my payment status. Enclosed in the dispute letter that i sent to XXXX, and the XXXX credit reporting agencies.

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
b'On XXXX  XXXX around XXXX I received XXXX notifications within a single minute of funds being taken from my account. I quickly went onto the app to see what they could possibly be as I was home at the time. Once I opened the app it showed the transactions three transactions pending for $XXXX  & a XXXX  for the amount of $XXXX. A total of $XXXX. I  immediately jumped into action and called the cards customer service line to which they informed me to start a dispute and freeze my cards. After submitting my claim and speaking with customer service, they assured me everything would get resolved. This morning I received a notification from the app stating the dispute has been closed. I logged into the banking app and noticed the claim was denied. The notification also noted that there was more information about the reason of the decision in an email. Upon reading the email, I did not understand their reasoning and contacted the customer service line again. I gave my information and stated my reason for calling. The customer service rep. apologized and said they could not reopen or put in a new claim. They can only send me another email stating the dispute was closed. I asked him whom would be the correct person to speak to as the transactions where not authorized by myself and I am not happy with the result. He put me on a XXXX mins hold until the next "supervisor" was available. She soon picked up and also apologized for me not being satisfied. I asked her why it was denied as I know I did not make or authorize the transactions. She responded with, "Based on our information, it would seem as though you did create and post the payments. Unless you can provide me a receipt with you there or a police report we will not create a new dispute or you can provide us with your location at the time of the transaction." I immediately was alarmed with that statement as I\'ve been using their services for well over XXXX XXXX years and this was was my first claim. I asked her how I would acquire a receipt from a place I was never at. I also asked her why I needed to create a police report if I was already in contact with the card\'s company & what my gps location would help them understand. She again apologized and said there is nothing left for her to tell me unless I could provide any of the XXXX  things shes asked for. I asked her if there was another way I could result this claim as I would like to reimbursed for the money that was taken. She replied by letting me know there was nothing else or anyone higher than her to help get me. The call ended and I was left feeling more deflated than before the phone call.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Since XX/XX/year> I've been attempting to salvage the damage that was done to my credit via identity theft. Ever since I've disputed debts, I've been getting countless calls, daily even on weekends from TSI is what is shown on my caller ID. I answered once and explained my situation about being the victim of identity theft. They continue to call daily and have not provided a written validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
For my USAA credit card, I talked to them on XXXX to request a forbearance or hardship payment adjustment plan. They refused to even discuss it unless I gave them specific details about my salary/income and all expenses. They REQUIRE a " counseling session '' to go over budgeting and will not proceed without demanding this information over and over. When I informed them ( multiple times ) they were not permitted to ask these questions by law, they ended the call and refused to discuss hardship payment adjustment plans. I told them I was happy to answer questions about the account that was relevant to them only, but that they could not withhold relief programs based on asking information they are not permitted to. They refused to comply and refused to proceed.

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 2026-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/year> a family member stole my money digitally without my knowledge and without my permission. Ive filed fraud claims with the bank and with the police dept. The police have issued a warrant for this young lady. The bank completely shut down my bank account. I can not access my money without making a call to the bank to request access. The bank opened a new account for me bc they saw the fraud. Ive emailed .. ive faxed them ive begged them for my money. They continue to tell me I authorized this thief. And allowed her to take my cash. Which i did not! This claim has been proven to be fraud and they still refuse to return my funds. I need my money im on 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 monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: NE

Complaint narrative:
I am submitting this complaint regarding OppLoans issuance and servicing of a high-cost consumer loan that I believe violates Nebraska consumer protection and usury laws, as well as federal prohibitions against unfair, deceptive, and abusive acts or practices ( UDAAP ). 

OppLoans extended a loan to me in the principal amount of {$1300.00} with an annual percentage rate of XXXX %, resulting in an extreme and disproportionate cost of credit. This interest rate far exceeds what is permissible under Nebraska law for consumer lending and constitutes a predatory loan designed to extract excessive interest from borrowers. 

Although OppLoans may characterize this product as an installment loan or assert that it is not a payday loan, the structure and economic reality of the loan are materially similar to high-cost short-term credit that Nebraska law strictly regulates . Regulatory compliance is determined by the substance of the transaction, not the label applied by the lender. 

OppLoans has further claimed that contractual consent and electronic signature render the loan enforceable. However, consumer protection laws and usury statutes can not be waived by agreement, particularly where there is a significant disparity in bargaining power and where the loan pricing is inherently abusive. 

OppLoans also references a purported bank partnership to justify charging a XXXX  % APR. I dispute that any such arrangement preempts state law where OppLoans functions as the true lender in practice, including controlling marketing, underwriting influence, servicing, and collections. Courts and regulators have repeatedly rejected rent-a-bank arrangements used to evade state interest rate caps. 

As a direct result of these practices, I have been subjected to excessive interest charges and ongoing financial harm far beyond the {$1300.00} originally borrowed. I attempted to resolve this matter directly by offering repayment of principal only with waiver of all interest and fees, which is a common and appropriate remedy where unlawful lending occurs. OppLoans refused to provide meaningful resolution. 

I respectfully request that the Consumer Financial Protection Bureau investigate OppLoans lending practices and require the following relief : Application of all payments already made toward principal only Waiver of all interest, fees, and charges Written confirmation that payment of any remaining principal satisfies the loan in full Correction of any negative credit reporting associated with this account OppLoans conduct constitutes unfair, deceptive, and abusive acts by issuing a loan at an exorbitant XXXX % APR, mischaracterizing the product to avoid regulatory oversight, and attempting to enforce unlawful interest through contractual technicalities. 

Thank you for your attention to this matter and for protecting consumers from predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I was contacted from a chime scam agent telling me I won a sweepstakes and gave me a chime activation link to verify my account which I did and submit all my chime informations on XXXX XX/XX/year> and since then have been receiving unauthorized pay anyone transfer on my account and have report to chime which they never catch the culprit nor refund my money back. And its for my school fees I need my money please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Practices Inaccurate Credit Disclosures. Loan Acceptance without further examination I am submitting this complaint regarding inaccurate and misleading credit disclosures in a Retail Installment Sales Contract dated XX/XX/XXXX, for the purchase of a XXXX XXXX XXXX ( XXXX : XXXX ). 
The contract contains multiple material disclosure violations under the Truth in Lending Act ( XXXX XXXX. XXXX et seq. ) and XXXX XXXX. 
Specifically : XXXX. The contract discloses more than XXXX cash price for the same vehicle. The XXXX XXXX XXXX is listed as {$11000.00}, while the XXXX XXXX XXXX is listed as {$12000.00}. Federal law requires a single, accurate cash price. These conflicting disclosures misrepresent the transaction. 
XXXX. A {$2000.00} down payment was paid. However, the down payment was not properly applied to reduce the unpaid balance of the cash price. Instead, fees were reallocated in a manner that inflated the XXXX XXXX. 
XXXX. The XXXX XXXX is disclosed as {$10000.00}. When recalculated using the dealers own cash selling price of {$11000.00} plus legitimate fees of {$300.00}, minus the {$2000.00} down payment, the correct XXXX XXXX should be {$9800.00}. 
XXXX. Because the Amount Financed is overstated, the disclosed XXXX XXXX, Total of Payments, and XXXX of 24.20 % are inaccurate and misleading. 
These errors materially affect the cost of credit. I am requesting regulatory review, correction of the contract, reimbursement of overcharged finance charges, and any additional relief deemed appropriate. 
Under XXXX XXXX. XXXX ( a ) : Statutory damages : \n Twice the finance charge capped at {$5000.00} for individual actions Your finance charge : {$7700.00} Calculation : XXXX {$7700.00} = {$15000.00} Capped at : {$5000.00} Additional recoverable amounts * Actual damages : {$1200.00} {$1300.00} in excess interest

Company response to consumer: Closed with explanation