vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
Complaint Regarding Auto Loan Misrepresentation and Lack of Disclosure I am filing this complaint regarding a vehicle purchase from XXXX, financed through Bridgecrest. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( XXXX : XXXX ). During the online purchasing process, I relied on the pricing presented, which indicated a total cost of approximately {$27000.00}, including fees. However, after completing the transaction and reviewing the contract, I discovered that the total amount of payments under the loan is {$51000.00}. This substantial difference was not clearly disclosed or explained prior to signing. At the time of vehicle pickup, I was required to sign documents electronically on a tablet without being given a meaningful opportunity to review or fully understand the loan terms. The total financial obligation and key loan details were not clearly presented in a transparent manner. I believe this reflects a lack of proper disclosure of material terms and raises concerns regarding compliance with federal consumer protection requirements. I have contacted Bridgecrest and was informed that voluntary surrender would still leave me responsible for a remaining balance and could result in negative credit reporting. This does not address the underlying issue of non-disclosure. Desired Resolution : Rescission of the contract ( cancellation of the loan and return of the vehicle ) Waiver or reduction of any remaining balance No negative reporting to credit bureaus during the dispute process I am willing to cooperate in returning the vehicle and resolving this matter in good faith. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
SUBJECT : Dispute of XXXX XXXX XXXX and Deceptive Servicing Account # XXXX Company : Service Finance Company , LLC ( SFC ) / Truist Bank DESCRIPTION OF INCIDENT : I am a senior consumer with a Tier XXXX XXXX XXXX over XXXX who is being targeted by XXXX XXXX XXXX XXXX XXXX XXXX for {$5100.00} in erroneous, retroactive interest. In XX/XX/XXXX, I financed a {$14000.00} HVAC unit bought from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, via a 0 % promotional " WPDI '' ( With Payment Deferred Interest ) plan. The first billing statement failed to arrive before the XX/XX/XXXX due date. I acted immediately and contacted XXXX. As I did not get the first statement, on Friday, XX/XX/XXXX, at XXXX AM, I contacted my XXXX Agent XXXX XXXX XXXX about the issue. He sent me a secure email ( Attachment A ) containing an account statement ( Attachment B ). That statement explicitly listed : XXXX XXXX XXXX : {$680.00} ( Representing XXXX installments + late fee to " cure '' the missed first mailer ). XXXX XXXX : XX/XX/XXXX. I relied upon these written instructions and paid the {$680.00} via Bank XXXX XXXX on Monday, XX/XX/XXXX ( Attachment C ). I have since made XXXX consecutive on-time payments, totaling $ XXXX paying off the entire {$14000.00} principal. Despite this, XXXX is now claiming I " failed '' the promotion and is charging me {$5100.00} in retroactive interest at 13.99 %. When I disputed this, XXXX issued a summary dismissal on XX/XX/XXXX, completely ignoring the written instructions provided by their own agent in XX/XX/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 2026-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate information provided by representatives of Synchrony Bank in relation to a CareCredit promotional balance. My promotional period expired on XX/XX/XXXX. However, I was told that I had until XX/XX/XXXX as a grace period to still pay off the balance and remove the interest that had accumulated. I then contacted Synchrony Bank again on XX/XX/XXXX to confirm the correct deadline to pay the remaining balance in order to avoid being charged deferred interest. During that call, I was explicitly told by a representative that I could make the payment on XX/XX/XXXX and still have the accumulated interest waived. Relying on this information, I made the full payment on XX/XX/XXXX. After the payment was processed, I was informed that the actual deadline was XX/XX/XXXX due to a XXXX grace period calculation, and I was then charged the full deferred interest. This directly contradicts the information I was given by Synchrony Bank the day prior. I contacted customer service again and, after speaking with multiple representatives, I was told that an investigation would be conducted into the misinformation I was provided. I was also told that if it was confirmed through the recorded phone calls that I had been given incorrect instructions, the deferred interest would be removed. I was advised that I would receive a follow-up within 30 days. I did not receive any follow-up communication. When I called again to check on the status, I was told that no such resolution could be provided and that no one had the ability to remove the interest, even if misinformation had occurred. I relied on the instructions provided by Synchrony Bank when making my payment. Had I been given accurate information, I would have made the payment on XX/XX/XXXX to avoid these charges. I am requesting that Synchrony Bank : XXXX Review the recorded call from XX/XX/XXXX where I was advised to pay on XX/XX/XXXX XXXX. XXXX the information provided by their representative XXXX. Remove the deferred interest charges applied to my account This situation is the result of incorrect information provided by Synchrony Bank, and I believe it is unfair to hold me responsible for relying on their guidance. I am also requesting a written response from synchrony bank, detailing the outcome of this review and the steps taken to resolve this matter.

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 2026-04-12 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I am filing a complaint because Chase has failed to issue a credit balance refund as required by federal law. I have a {$7400.00} credit balance on my Chase XXXX XXXX card. This credit balance resulted from a mortgage refinance payoff made by a title company, which created an overpayment. I requested a credit balance refund on Wednesday, XX/XX/XXXX, but Chase has not initiated the refund. Since then, I have received inconsistent and incorrect information from multiple representatives. I was told that Chase needs XX/XX/XXXX days to verify funds, despite the fact that the funds have been in Chases possession for nearly a month and despite the requirement to issue a credit balance refund within XXXX business days of the request. No ACH refund setup email has been sent, no check has been issued, and no refund request appears to have been initiated in their system. During a followup call, the representative misrepresented herself as an account supervisor on the escalation team, but refused to provide a rep ID number and stated that only her name, time, and date were available. She also incorrectly instructed me to contact a check issuer to cancel a check that does not exist, as no refund has been initiated. This prevented proper accountability and delayed resolution. I am requesting that Chase immediately initiate the credit balance refund, provide confirmation of the refund method ( ACH or mailed check ), and comply with the XXXXbusinessday requirement for issuing credit balance refunds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
To Whom It May Concern, I am a victim of identity theft and am requesting an immediate block and removal of a fraudulent account under FCRA Section 605B. I have attached an official Identity Theft Affidavit along with proof of my incarceration. I have been continuously incarcerated since XX/XX/XXXX, and therefore could not have opened or authorized the following account : - Capital One Account ( Opened XX/XX/XXXX ) This account is fraudulent and does not belong to me. Under FCRA 605B, you are required to remove this account within 4 business days of receiving this request. Please confirm deletion in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry listed on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a company must have a permissible purpose to access my credit report. I do not recall authorizing this inquiry. Please provide proof of authorization. If you can not provide documentation showing I gave WRITTEN consent with my signature, you must remove this from my credit report immediately. Failure to remove unauthorized inquiries is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Im gon na have to include personal information later because its the only way you can see it. I hadnt used the car in a while and I made it charge and I didnt realize I still had it on auto pay so I went in to pay it. I paid it and the auto pay went through on the same day and my account was debited twice for the {$680.00} and theyre telling me I have to wait another 45 days for their accounting department to review it and theyll send me a check the payments were made via ACH. I thought that they had seven days from the date of which I request a refund to send it to me and on the statement which Im going to attach it states that I can request a refund for the credit balance it doesnt say anything about 45 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NH

Complaint narrative:
On XX/XX/year> I recived a fraud alert from chime about purchases being made from chumba casino,. i reported that it was not me doing those transactions. But then chime let the transactions go through anyways. I talked to a supervisor on XX/XX/year> which she told me basically that i was responsible for keeping my account secure even though chime themselves let the transactions go through after i had confirmed it was not me doing those transactions. Chime my pay was for {$200.00} as well as {$100.00} loan was taken out chumba casino ammounts were... {$100.00} {$50.00} {$100.00} {$50.00} {$100.00} {$100.00} all on XX/XX/year>. I was under the impression that once the fraud alert was denied ( meaning i replied to the text that it wasent me that they would stop it and not just give the money anyways

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
XX/XX/year> approximately XXXX XX/XX/XXXX received text cXX/XX/XXXXe to access my account and contacted XXXX XX/XX/year> Used my debit card to make a purchase but was denied XX/XX/year> walked to XXXX XXXX XXXX to discover what was going on ended in closing my account XX/XX/year> Called to request that Statements XXXX be emailed ( still unreceived ) XX/XX/year> received text about overdrawn account XX/XX/year> visited XXXX XXXX XXXX to find out about text where I discovered they had reopened my closed account and paid the mortgage payment they had previously declined. I then stood at the counter for over XXXX XX/XX/XXXX while the teller spoke to someone on the phone trying to figure out why my closed account was opened and was now overdrawn. My frustration growning while myXX/XX/XXXX &XX/XX/XXXX became uncontrolled due to the stress.They justified their actions of reopening my closed account by saying they should not have closed the account. I said bottom line the account was closed on XX/XX/year> their errors after the fact were theirs to fix. I was told they would not close the account as it now had a negative balance. At this point I turned to leave and was approached by security, I informed him he was not needed I was leaving and he offered my service dog a treat I declined and left

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
TransUnion reports u have a hard credit enquiry from Bank of America dated XX/XX/year>. This enquiries don't belong to me, please have them removed from my credit report. I was a victim of identity theft and I have a police report from the incident. Unauthorized enquiries are illegal under FCRA 605B

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 non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Beginning in XXXX, XXXX, TransUnion began reporting a debt from XXXX XXXX XXXX.I am disputingthis account as inaccurate and incomplete. The account is missing a required account type, listes the original creditor a the same entity as the collection agency, and contains duplicate and inconsistent remarks ( " placed for collections '' ), listed multiple times. Additionally, the acount status is reported as " open '' while simultaneously being a collection account ' which is misleading. Under the Fair Credit Reporting Act ( FCRA 611 and 1681e ( b ), I request full verification of this account, including : The original signed contract Complete account history Proper identification of the original creditor Documentation proving legal authority to collect.

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 2026-04-12 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I stayed at a hotel ( the XXXX XXXX ) from XXXX. During this time, I authorized a {$250.00} incidental hold. During my stay, my card was charged a total of XXXX times-first for {$1400.00}, then for {$600.00}, then again twice for $ XXXX and when I called the front desk I was advised this was a smoking fee. I told the front desk that I did not smoke in the hotel room, and this was instead possibly caused by my nebulizer, which I use to treat XXXX XXXX ( attached medical record. ) The front desk assured me the {$250.00} incidental hold would be returned and to contact my bank if it wasn't. As reflected in the attached folio, the incidental hold was never returned. I contacted the hotel by phone and asked to speak to the XXXX XXXX XXXX XXXX multiple times, but never was transferred to her phone or received an email or call back from her despite multiple messages. At this point I filed a chargeback. I also attempted to contact the XXXX XXXX XXXX XXXX XXXX after my chargeback was denied, who also never contacted me despite multiple messages. My chargeback was denied on the basis that the smoking fee was outlined in the hotel 's policy, however there was no smoking of any kind in the hotel room.

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 2026-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NJ

Complaint narrative:
In XX/XX/year>, I was officially added to a residential lease. Prior to my addition, the general ledger provided by the property management company shows a past due balance of {$5900.00} had already accumulated on the account - debt that predates my legal tenancy. During my tenancy ( XXXX - XX/XX/year> ), my share of rent was {$720.00} per month, totalling {$6500.00} owed. I made payments totalling {$7000.00} during this period, exceeding my total obligation. All payments are documented in the landlord 's own general ledger. Upon joining the lease, the landlord sent an email explicitly stating I was now responsible for the prior balance. This retroactive assignment of debt from before my tenancy is not legally enforceable. I sent a formal written debt validation request to Hunter Warfield Inc. via certified mail. The request was delivered and confirmed with proof of delivery. Hunter Warfield never responded with any verification or documentation within the legally required 30-day window under the FDCPA. Despite failing to validate the debt, Hunter Warfield continues to report the full {$12000.00} collection account on my XXXX credit report, damaging my credit. The amount being collected includes debt I was never legally responsible for, and my share was fully paid and documented. I am requesting immediate removal of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: RI

Complaint narrative:
I disputed this account directly with Jefferson Capital Systems and formally requested full validation of the alleged debt. They have failed to provide any documentation required under the FDCPA, including the original signed contract, complete payment history, or proof of legal ownership of the debt. Additionally, this same alleged debt is being reported by both the original creditor, XXXX XXXX XXXX, and Jefferson Capital Systems as a collection account. This creates duplicate and misleading reporting of the same obligation across my credit reports. Despite the account being disputed and unverified, Jefferson Capital Systems continues to report this account to the credit bureaus. This constitutes inaccurate and unverified reporting in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). They have failed to conduct a reasonable investigation and are reporting information that can not be verified, causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX my money was taken from my bank account for a company called XXXX XXXX. Ive never heard of the company, I dont even have an account with them. I filed a dispute and they denied my dispute because they said I have the physical card on me. There is a login email I received that was from Florida, where I reside in XXXX Arizona. The amount of {$1600.00} was taken from me and SoFi is refusing to give me my money back. I have proof of the transactions all coming in at once as well as multiple emails about my card and login information as nothing was authorized on my end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding a cryptocurrency fraud case involving multiple platforms, including XXXX, XXXX, Crypto.com, XXXX, and XXXX. Between XX/XX/year> and XX/XX/year>, I was the victim of a cryptocurrency investment scam followed by a recovery scam. I was contacted via XXXX and later XXXX. I was instructed to download an application presented as XXXX XXXX XXXX XXXX XXXXXXXX ), which I later discovered was fraudulent. All funds originated from my XXXX XXXX XXXXXXXX account and were transferred to XXXX, XXXX, and Crypto.com, converted into cryptocurrency, and sent to external wallet addresses. The wallet addresses include : - XXXX - XXXX Small amounts ( approximately {$100.00} and {$120.00} ) were received prior to larger transfers. After that, I transferred larger amounts of cryptocurrency to the same wallet addresses. Despite multiple high-value transfers to the same external wallet addresses, no warnings, transaction holds, or risk alerts were applied by the platforms. Crypto.com indicated a likelihood of fraud and stated they would cooperate with law enforcement if contacted. Current status : - The case is under mediation with the State Attorney Generals office - An FBI IC3 complaint has been submitted- I have not received follow-up from local law enforcement - Exchanges indicated they will respond to law enforcement requests Case documentation : XXXX XXXX XXXX? XXXX XXXX XXXX XXXXXXXXXXXX XXXX I request that this case be reviewed for issues related to fraud prevention, transaction monitoring, and consumer protection. Approximate total transferred from my XXXX XXXX XXXX account and ultimately sent to external wallet addresses : {$130000.00} USD. Breakdown of transfers : Coinbase : {$10000.00} + {$9900.00} + {$2200.00} + {$10000.00} + {$3900.00} - {$3700.00} XXXX : {$5000.00} + {$2200.00} + {$17000.00} Crypto.com : {$20000.00} + {$100.00} + {$120.00} + {$3300.00} + {$43000.00} + {$7000.00} + {$7200.00}

Company response to consumer: Closed with explanation