vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
I am writing regarding the payment activity on my account dated XX/XX/2026. A payment in the amount of {$60000.00} was made and reflected as received ; however, it was subsequently reversed. This payment was issued in connection with a total loss claim through my insurance company. I do have active insurance coverage, including XXXX XXXX, and the expectation was that the vehicle would be paid off through this claim. Instead, the payment was reversed, and I am now being held responsible for two additional months of payments, while also being expected to continue paying monthly insurance on your end. This is extremely concerning. From my perspective, this feels like an attempt to collect additional funds beyond what should be owed in a total loss situation, which I believe is unfair. Given that this was a total loss and should have been resolved through insurance ( XXXX XXXX ), I am requesting immediate clarification as to why the payment was reversed and why I am still being billed. Please review this matter urgently and advise on next steps, as well as what is needed to resolve this appropriately. I would appreciate prompt attention to this issue. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLIANT CREDIT UNION
State: PA

Complaint narrative:
Alliant Credit Union failed to represent me well to retrieve my money from a travel agency named XXXX. Transaction Details : Case number : XXXX, Transaction date : XX/XX/year>. Merchants : XXXX XXXX XXXX. Amount : {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I called XXXX XXXX ( upgrade ) to find out if I can figure a way to resolve.I have been affected by a tornado hitting my home/ Health issues ( XXXX XXXX ) when I called, the only the rep only wanted to talk about disputing my many accounts that I mentioned to him that XXXX trying to resolve. Not a particular name of an account. He informed me to dispute the one I called him about and he could run a XXXX score credit bureau to see what can be disputed for {$1.00}. I was curious and asked him WHY he was doing this. He said he heard in my voice that I was in a bad situation and understood. I agreed. He made me feel good about it. After giving my debit card # he ran report and said that I believe there were XXXX accounts that had issues. I asked how that could be? He said something about data entry etc. He said he could dispute them all. I said that sounds good. He then informed me it would be either {$370.00} or {$370.00} to do this. I was confused. I said I cant afford that and he then said since I worked for rooms to go that it would be {$100.00} less. Then he said it should be done in 3 months but if longer it would be {$99.00} a month after. I was deceived into running credit and the entire thing. I made an excuse for him to call bk. He never did. Never ask about reason I called to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX [ Date XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Dispute Request for Investigation & Removal To Whom It May Concern, I am writing to formally dispute inaccurate and unverified accounts currently reporting on my credit report. The following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not recognize these accounts and have no knowledge of any contractual obligation with these creditors. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation of these accounts. Please provide verified documentation that supports the accuracy of these accounts, including : * Signed contracts or agreements * Complete account history * Proof that this debt belongs to me If you are unable to verify this information, these accounts must be deleted immediately from my credit report. Additionally, please ensure that all information reported is accurate, complete, and within the legal reporting time frame. I request that you send me written confirmation of the results of your investigation. Failure to comply with this request may constitute a violation of the Fair Credit Reporting Act. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding a {$200.00} cashback promotion associated with my Bread cash back XXXX XXXX credit card. The terms of the promotion required me to spend {$1500.00} within a specified period. I followed all instructions provided in the promotional letter and met the spending requirement in full. Despite meeting all the conditions, I have not received the {$200.00} cashback reward. It has now been over four months since I qualified for the promotion. I have contacted customer service multiple times, and I have been informed that the matter is under investigation. Recently, I was also told that they may not issue the {$200.00} cashback at all. I do not understand what there is to investigate, as my account activity clearly shows that I fulfilled all the requirements exactly as instructed. This delay and lack of resolution are unacceptable and unfair. I relied on the terms of this promotion in good faith, and the company is failing to honor its obligation. I am requesting that the company immediately review my account, provide a clear written explanation for the denial or delay, and issue the {$200.00} cashback without any further delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am reporting fraudulent transactions on my credit card. The card was issued for my daughter, but it was never delivered to us and was likely stolen. Unauthorized transactions totaling {$3600.00} were made without my permission. I immediately contacted the bank. Initially, the charges were removed, but later reinstated due to a misunderstanding. Because of my limited English, I incorrectly stated that the card was with me, but in reality, I never received the card. I have reported this to the banks fraud department, and they said they would reopen the investigation, but the charges have not been removed. There was also an additional attempted charge of {$170000.00} which I reported, and the card has now been blocked. I did not authorize any of these transactions and request that all fraudulent charges be removed, no interest be applied, and my credit not be negatively affected. Fraud number 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 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year>, I transferred XXXX XXXX via the XXXXXXXX XXXX. The destination address for this transfer was XXXX, which is the designated XXXX XXXX XXXX generated and controlled exclusively by XXXX for my account. XXXX XXXX XXXX XXXX XXXX XXXX proving this transfer is : XXXX. Because Robinhood holds the private keys to this destination address, they have full custodial control over my XXXX. The funds have successfully settled on the blockchain and are sitting at this address. However, Robinhood customer support is refusing to retrieve the funds, citing that XXXX is an " unsupported token. '' While I understand the token is not actively traded on their platform, Robinhood undeniably possesses the private keys required to access these funds. Other major, regulated XXXX exchanges provide automated recovery tools or manual retrieval services for unsupported assets to prevent the permanent loss of consumer funds. Robinhood is refusing to allocate the technical resources to return my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Subject : XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX to Verify Debt I am submitting this complaint against Midland Credit Management XXXX XXXX regarding inaccurate and unverifiable information they are using in connection with an alleged debt. On or about XX/XX/year>, I received a collection notice from this company attempting to collect on an alleged account originally from XXXX XXXX. However, the notice contains incorrect personal identifying information, specifically an inaccurate last name, which raises serious concerns regarding the validity and accuracy of this alleged debt. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( b ) and XXXX, furnishers and debt collectors are required to ensure that all information they report or use is accurate and properly verified. The use of incorrect identifying information strongly suggests that Midland Credit Management has failed to conduct a reasonable investigation and may be attempting to collect on a debt that does not belong to me. Additionally, this may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : - XXXX U.S.C. XXXX ( false, deceptive, or misleading representation ) - XXXX XXXX. XXXX ( unfair collection practices ) Because of these inaccuracies, I formally dispute this alleged debt in its entirety. I am requesting the following : XXXX. XXXX cessation of all collection activity on this account. XXXX. Full validation of the debt, including : - XXXX signed contract or agreement - Complete chain of ownership from the original creditor to XXXX XXXX, XXXX - XXXX that this debt is legally mine despite incorrect identifying information XXXX. Written confirmation that this account will not be reported ( or will be removed if reported ) to any consumer reporting agencies. XXXX. Correction of all inaccurate personal information associated with this account. If Midland Credit Management can not provide competent evidence that this debt is accurate and belongs to me, they must immediately delete and cease all collection efforts. I am also requesting that the CFPB investigate this matter for compliance with federal consumer protection laws. Failure to resolve this issue may result in further legal action for violations of the FCRA and FDCPA. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Opened a savings account on XX/XX/year>, at the XXXX, MI branch with XXXX XXXX, including the required deposit to qualify for the 3.29 % APY. On XX/XX/year>, I called and spoke with XXXX in XXXX XXXX and XXXX at the XXXX, OH corporate office. I was informed that they were unable to assist and that I would need to visit the branch in person. I subsequently visited the branch and spoke with XXXX XXXX, who advised that she would submit a request to have the interest rate updated. On XX/XX/year>, I called back as the rate had not yet been updated. XXXX indicated that she needed to submit another request but was unable to resolve the issue or provide a timeframe for completion. She then transferred me to the XXXX XXXX XXXX ( XXXX ), where I spoke with XXXX, who advised that the branch would need to resolve the issue. To date, no resolution has been provided. I have been continuously redirected between departments without a clear answer or corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: GA

Complaint narrative:
Company : Volkswagen Credit , Inc. Issue : Improper handling of canceled debt and failure to release lien * * Complaint : * * I am filing a complaint regarding Volkswagen Credits handling of a vehicle loan that has been issued a Form 1099-C ( Cancellation of Debt ). I received a Form 1099-C indicating that Volkswagen Credit has canceled all the debt associated with my vehicle loan. As a result, I am required to report this amount as taxable income to the Internal Revenue Service. Despite this, Volkswagen Credit continues to maintain a lien on the vehicle and has failed to provide a lien release after more than XXXX days. Additionally, a representative informed me that although the debt has been charged off and reported, the company still expects payment from me. This would be double payment since I have reported to total amount to the IRS as income. This presents a clear inconsistency. If the debt has been canceled and reported to the IRS, it should no longer be treated as an active, collectible obligation. Maintaining a lien while also asserting cancellation creates confusion and places an unfair burden on me as a consumer. I remain in possession of the vehicle and am unable to obtain clear title due to Volkswagen Credits failure to release the lien. I have already made a formal request for lien release, which has gone unanswered. * * Desired Resolution : * * XXXX. Immediate issuance of a lien release ( satisfaction of lien ) XXXX. Written confirmation that the debt has been fully canceled and is no longer subject to collection XXXX. Clarification of Volkswagen Credits position regarding the debt to ensure consistency with the issued Form 1099-C * * Additional Information : * * This issue has been ongoing for over XXXX days with no resolution. If the debt is considered canceled for tax purposes, it should not simultaneously be treated as collectible or secured by an active lien. I am requesting prompt resolution of this matter. Consumer Name : XXXX XXXX VW Account Number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I owe Wells Fargo and have been attempting to reach a settlement with them. I have tried the attorney number for weeks and Wells fargo to no avail. Filed an escalation XXXX weeks ago someone from the attorney office contacted me and I asked them for a specific settlement. They said thy would get back to me in XXXX week They have not gotten back to me. Wells fargo closed the case and I formed me that I should just continue trying to reach the attorney.

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Validation of Debt Request - AFFIRM INC - XXXX * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am formally disputing the reported late payment on the above-referenced account. At the time the alleged missed payment occurred, my mailing address had changed, and I did not receive any billing statements, invoices, or notices regarding a payment due. As a result, I was not provided a fair opportunity to make a timely payment or cure any balance. My new address is XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the account has since been closed, and I was not provided a final statement or clear communication regarding any outstanding balance prior to the reporting of this delinquency. And is incorrectly reporting account is open. I would like a copy verifying this is my account Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, complete, and verifiable. Reporting a late payment without ensuring proper delivery of billing notices to my current address is misleading and does not meet these requirements. I request that you investigate this matter and provide documentation showing that billing statements and notices were sent to my correct address on file. If this information can not be verified, this late payment must be removed from my credit report.

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XX/XX/XXXX- I made a mobile deposit of {$7000.00}. As of XX/XX/XXXX- Citizen is holding my money until XX/XX/XXXX. Claiming the can not verify the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding a debt collection issue that I believe may violate the Fair Debt Collection Practices Act ( FDCPA ). On or around XX/XX/year> I contacted the company regarding an alleged debt in the amount of {$1300.00}. The communication was made via mail. I was told to I own this amount. On XX/XX/year>, I request validation of the debt, disputing the debt, despite this, the company failed to provide validation. I am requesting that this matter be reviewed and that the company be required to comply with applicable laws and regulations. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I started the refinance process with Upstart and the paperwork was completed on XX/XX/XXXX. On XX/XX/XXXX, a check was sent to XXXX ( the previous lender ) but the check hadn't arrived by XX/XX/XXXX so Upstart cancelled payment and issued a new check. Then the first check from XX/XX/XXXX arrived at XXXX on XX/XX/XXXX and they attempted to deposit it. It did not go through. The check from XX/XX/XXXX arrived and it was mailed to me since it didn't meet the new payoff amount. I worked with XXXX and had them agree to accept the XX/XX/XXXX check and the original payoff amount and I overnighted the check to them at my expense. Upstart canceled the XX/XX/XXXX check the afternoon after I mailed it to XXXX and issued a third check, dated XX/XX/XXXX. At this point, XXXX still holds the title and I have little to no confidence that Upstart will be competent. This has taken hours of my life, making near daily calls to get this straightened out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding a fraudulent transaction conducted through peer-to-peer payment platforms ( Cash App and XXXX ) and the failure of both companies to adequately investigate and resolve my dispute. On XX/XX/year>, I sent a total of {$3100.00} to an individual for the purchase of a vehicle. The seller represented the vehicle as reliable and in good working condition. Shortly after the transaction, the vehicle experienced severe mechanical failure, including shutting off while in operation with my children in the car. A diagnostic performed on XX/XX/year>, revealed the vehicle had serious issues, including XXXX stored trouble codes that had been cleared prior to the sale, indicating clear misrepresentation. Additionally, the vehicle was never properly transferred into my name, and the sellers name was not on the title, raising further concerns about the legitimacy of the transaction. After notifying the seller of the issues, he blocked all communication despite previously instructing me to reach out if any problems arose. This demonstrates clear fraudulent intent. I promptly filed disputes with both Cash App and XXXX, providing supporting documentation. However, I have encountered significant difficulty in obtaining a resolution. My disputes have not been handled appropriately, and I have not been provided with meaningful updates or a fair review of the evidence submitted. At this time, the funds appear to be in dispute status, and I have neither possession of a reliable vehicle nor access to my money. Meanwhile, the seller has made further attempts to intimidate me by issuing a demand for payment, falsely claiming that I have both the funds and the vehicle in working condition.

Company response to consumer: Closed with explanation