vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX, NC Email : XXXX Date : XX/XX/year> Subject : Request to Close Revvi Account and Resolve Balance To Whom It May Concern, I am writing regarding my Revvi credit card account. After reviewing the terms and charges associated with this account, I believe the structure of the account is deceptive and unfair to consumers. The excessive interest rate, combined with multiple fees, has made it extremely difficult to make meaningful progress toward paying down the balance. As a XXXX XXXX consumer, I believe the lending practices associated with this account may violate XXXX XXXX consumer protection standards related to unfair and deceptive lending practices. The terms and fee structure were not clearly represented in a way that allowed me to fully understand the financial impact of opening this account. As a result, the balance continues to grow in a way that makes repayment unreasonable. Because of these concerns, I am requesting the following : Immediate closure of this account The balance to be adjusted to {$0.00} and considered Paid in Full Removal of any negative reporting related to this account from all credit reporting agencies Written confirmation that this account has been permanently closed and resolved If this matter can not be resolved promptly, I will submit formal complaints to the XXXX XXXX Attorney Generals Consumer Protection Division, the Consumer Financial Protection Bureau, and other appropriate regulatory agencies for review of these lending practices. I respectfully request written confirmation of resolution within 15 days. Sincerely, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : [ XXXX ] ( XXXX : XXXX ) Date : XX/XX/year> Subject : Request to Close Indigo Mastercard Account and Resolve Balance To Whom It May Concern, I am writing regarding my Indigo Mastercard account. After reviewing the interest rate, annual fees, and other charges associated with this account, I believe the structure of the account is deceptive and unfair to consumers. A substantial portion of the available credit was immediately reduced by fees, and the high interest rate combined with additional charges has made it extremely difficult to meaningfully reduce the balance. As a consumer residing in North Carolina, I believe the lending practices associated with this account may violate consumer protection standards related to unfair and deceptive trade practices. The financial impact of this account was not clearly represented in a way that allowed me to fully understand how quickly fees and interest would accumulate. Because of these concerns, I am requesting the following : 1. Immediate closure of this account 2. Adjustment of the balance to * * {$0.00} * * and the account marked * * Paid in Full * * 3. Removal of any negative reporting related to this account from all credit reporting agencies 4. Written confirmation that the account has been permanently closed and resolved If this issue can not be resolved promptly, I will submit formal complaints with the * * North Carolina Attorney Generals Consumer Protection Division * *, the * * Consumer Financial Protection Bureau * *, and other appropriate regulatory agencies requesting review of these lending practices. Please provide written confirmation of resolution within 15 days. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: Debois, Inc.
State: OH

Complaint narrative:
Dbs financial predatory behavior.contract violations.Price gouging forge signature documents were authored by XXXX.APR discrepancy. Power of attorney not notarized. Odometer disclosure is blank. wrongful repossession.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR

Complaint narrative:
I am disputing a collection account reported by Columbia Debt Recovery on behalf of XXXX XXXX in the amount of {$15000.00}. I never received a move-out accounting statement from the apartment complex explaining how this balance was calculated, and I never received my security deposit accounting. I also never received any written validation or notice from Columbia Debt Recovery regarding this alleged debt. The account is being reported to the credit bureaus with a balance of {$15000.00} even though the original balance appears to have been approximately {$13000.00}. There has been no explanation or itemization showing how the balance increased. I searched Oregon court records and there is no judgment associated with this alleged debt. I am requesting that Columbia Debt Recovery provide full documentation validating this debt including : a copy of the lease agreement itemized move-out charges proof the account was legally assigned to the collection agency explanation of the balance increase If the debt can not be properly validated, I request that the account be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Denied me to open bank account and missing money from my bank account that is owed to me

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 2026-03-16 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: Credit Karma, LLC
State: KY

Complaint narrative:
I got my taxes refund deposited into my credit karma account and now it wont me spend it or transfer it to any other accounts I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
I am writing to dispute the collection account listed on my XXXX credit report under the name BOUNCE AI, Account Number : XXXXXXXX XXXX. This agency is in violation of 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I previously requested a formal Debt Validation Letter from BOUNCE AI to verify the legal validity, original creditor, and accuracy of the alleged debt. To date, the collector has failed to provide any such validation or proof of my liability for this account. Under Regulation F ( 12 CFR 1006.38 ), a debt collector must cease all collection activityincluding reporting to credit bureausuntil they have provided the consumer with verification of the debt. By continuing to report this unverified information to TransUnion, BOUNCE AI is also violating 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ) by furnishing information they know, or have reasonable cause to believe, is inaccurate or incomplete. Because the collector has failed to meet its legal burden of proof, this account is unverified and must be removed from my credit file immediately. I request that the CFPB investigate this company 's failure to validate and their continued reporting of unverified data. Additional information provided by consumer : XXXX In response to our request for more information the consumer provided the following : Company Name : Bounce AI Company Address : The consumer does not know the company address. Company Phone Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : [ XXXX XXXX XXXX XXXX XXXX XXXX ) Date : XX/XX/year> Subject : Request to Close Milestone Mastercard Account and Resolve Balance To Whom It May Concern, I am writing regarding my Milestone Mastercard account. After reviewing the interest rate, annual fees, and other charges associated with this account, I believe the structure of this account is deceptive and unfair to consumers. A substantial portion of the available credit was immediately reduced by fees, and the high interest rate combined with ongoing charges has made it extremely difficult to reduce the balance. As a consumer residing in North Carolina, I believe these lending practices may violate consumer protection standards related to unfair and deceptive trade practices. The terms and financial impact of the account were not clearly presented in a manner that allowed me to fully understand how quickly fees and interest would accumulate. Because of these concerns, I am requesting the following : 1. Immediate closure of this account 2. Adjustment of the balance to * * {$0.00} * * and the account marked * * Paid in Full * * 3. Removal of any negative reporting related to this account from all credit reporting agencies 4. Written confirmation that the account has been permanently closed and resolved If this matter can not be resolved promptly, I will submit formal complaints to the * * North Carolina Attorney Generals Consumer Protection Division * *, the * * Consumer Financial Protection Bureau * *, and other appropriate regulatory agencies requesting a review of these lending practices. Please provide written confirmation of resolution within 15 days. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Request to Close Destiny Mastercard Account and Resolve Balance To Whom It May Concern, I am writing regarding my Destiny Mastercard account. After reviewing the interest rate, annual fees, and other charges associated with this account, I believe the structure of the account is deceptive and unfair to consumers. A large portion of the available credit was immediately reduced by fees, and the high interest rate combined with ongoing charges has made it extremely difficult to reduce the balance. As a consumer residing in North Carolina, I believe these lending practices may violate consumer protection standards related to unfair and deceptive trade practices. The terms and financial impact of this account were not clearly presented in a way that allowed me to fully understand how quickly fees and interest would accumulate. Because of these concerns, I am requesting the following : 1. Immediate closure of this account 2. Adjustment of the balance to * * {$0.00} * * and the account marked * * Paid in Full * * 3. Removal of any negative reporting related to this account from all credit reporting agencies 4. Written confirmation that the account has been permanently closed and resolved If this matter can not be resolved promptly, I will submit formal complaints with the * * North Carolina Attorney Generals Consumer Protection Division * *, the * * Consumer Financial Protection Bureau * *, and other appropriate regulatory agencies requesting review of these lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
XX/XX/year> reposessed for XXXX missed payment I proved it with the agent didn't matter they forced me to over pay refusing to give my car back XXXX days after getting car back they again started harassing me never updating anything I couldn't believe it I emailed multiple times showing every payment didn't matter they still harassed me XX/XX/XXXX again reposessed this time the tow guy had nothing to say I don't know who has the car or why they took it either did the tow guy or police instead they were guessing the police were guessing saying maybe insurance is late nope I wasn't pulled over it was parked the tow guy broke something on my back end from being so ruff last time scratches were present I didn't say anything not again payments made are being manipulated and broken up without my concent I can show

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express is charging me above 6 % APR and according to the XXXX SCRA act I shouldnt be charged more than 6 %. I want all interest paid back that I paid above that rate. Ive reached out to them however they requested proof that Im in XXXX so I attached my military orders showing I am now stationed in XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed an account on my credit report listed as XXXX XXXX XXXX dated XX/XX/year>. I did not apply for or authorize this account, and it was reported without my knowladge

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 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Back in XXXX of XXXX I tried to open my own PayPal account which I needed to receive payment from a job I had been accepted to. Previously I had an account I shared with my Mother. After I opened my account including linking both my bank and credit cards they put a hold on my account saying it had been flagged and they needed further information from me. They now wanted me to complete 3 steps to unrestrict my account. The first XXXX included taking a clear picture of my driver license and providing additional personal information documentation. I provided both my property tax bill and my credit card statement. The third and final thing they request is that I provide my social security number. Every time I enter my social and hit submit I get an error please try again later? ( see the attached screenshot ). This has been going on for coming up on XXXX months now! Their customer service does nothing but make empty promises and ask for additional information. Which I have provided every single time! These are the things I have submitted to verify my identity : bank statements, credit card bills, utility bills, property tax information, copies of my driver license, pictures of myself, copies of my car insurance, copies of my vehicle registration, and to top it off a copy of my social security card front and back! Something the social security administration says very clearly that I should not provide and never should be required to provide! Every time I go through this, I provide more information the customer service rep swears that's all they need and my account will be freed within XXXX days. Which coincidentally just happens to be long enough for them to close the ticket, do nothing to fix things and make me start over from square one! I have attached screenshots of my chat with their customer assistance showing that I did in fact upload a copy front and back of my social security card as requested back in XXXX. I am left with the inescapable conclusion that the must have something to do with the fact that I am XXXX XXXX. I have never heard of a white person being flagged like this much less providing all requested documentation and STILL being denied their account! If they do anything other than approve and unrestrict my account please forward this complaint to both my State and Federal Attorney Generals office for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I sent a Cash App payment to my daughter. I entered her information and confirmed her name. However, once I pressed send, the payment went to a company called XXXX XXXX XXXX XXXX XXXX. I immediately notified XXXX XXXX and my bank about the fraudulent transaction. XXXX XXXX continued to delay the process telling me they were investigating while informing my bank that I was lying and that I had intentionally made the transaction to this company. I have no idea who this company is or where they are located, and XXXX XXXX would not provide any information about them. The only information XXXX XXXX provided to my bank was my profile information and stated i made the tranaction. Cash app also blocked me from requesting the money back. I asked them question like what type of business is this, where is this business located ask them for a reciept and a discription of me do they have video that they can show of me. On XX/XX/XXXX, I sent my daughter {$30.00}. Because of the previous incident, I carefully checked to make sure the XXXX XXXX number, name, and all other information were correct. My daughters XXXX XXXX account even has a gold verification badge. However, when I pressed send, it immediately changed to someone named XXXX XXXX. I do not know any by this name before i hit send it showed all my daughters information it showed the XXXX of XXXX picture. The last time this happened, XXXX XXXX told me to request the money back. However, according to XXXX XXXX this person has their information blocked, and again XXXX XXXX claims they can not help. I believe XXXX XXXX is aware that this is happening to people but is not helping. It seems like some kind of scam is occurring, and I believe XXXX XXXX knows about it. I can not be the only person this has happened to. it is XXXX XXXX responsibility to notify us and have some kind of security in place we cant just be out of our money. As I tried to explain to USAA this was a scam and it happed to me again. USAA did not complete an investigation. It was their employee that informed me that all XXXX XXXX did not provide any information saying I did this ALL Cash app provided was my profile and say i was lying. My checking acct was closed because of this. I provided a letter stating my case and waited for a response I had no idea that USAA was responding through the app. i di not find out my account was closed until i reached out to see what was going on with investigation. i also sent a letter stating why my account should not be closed as required. My last name is no longer XXXX It is XXXX. I am filing this complainant under XXXX 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 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: OH

Complaint narrative:
I would like to set up revoking the payment authorization of my line of credit. I am struggling to make payments and also need to lower my bi weekly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
" I am a victim of identity theft. The following auto loan accounts were opened fraudulently without my knowledge or authorization : Ally Financial ( # XXXX, {$40000.00} ), XXXX XXXX XXXX XXXX ( # XXXX, {$8000.00} ), XXXX XXXX XXXX ( # XXXX, {$31000.00} ), XXXX XXXX XXXX ( # XXXX, {$56000.00} ) These accounts were opened by an identity thief using my personal information. I have filed FTC Identity Theft Report # XXXX documenting these fraudulent accounts. I did not apply for, sign for, authorize, or benefit from any of these vehicle loans in any way. I have no recollection of these accounts and never gave anyone permission to open them under my name. These fraudulent accounts have caused significant damage to my credit report and my personal and financial life. I am demanding these accounts be immediately closed, all balances waived, and all negative reporting permanently removed from my consumer credit report. ''

Company response to consumer: Closed with explanation