vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: OR

Complaint narrative:
We do not have, nor have we ever had an XXXX Credit Card. XXXX XXXX XXXX began sending us notice of collection in XXXX of XXXX. I sent a Cease and Desist letter stating this was not my debt and I had never has an XXXX Credit Card, yet they continue to send debt collection notices. The latest notice of collection was sent on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-01 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: Uprova Credit, LLC
State: RI

Complaint narrative:
I am filing a complaint against Uprova Credit , LLC regarding deceptive lending practices, failure to disclose the APR before signing, misrepresentation of payment terms, and a loan that is unconscionable in its total cost. I borrowed {$1200.00} from Uprova Credit , LLC. The following problems occurred : 1. APR HIDDEN UNTIL AFTER SIGNING : The interest rate ( APR ) was not shown to me before I signed the loan agreement. It only appeared within the document after execution, preventing me from understanding the true cost of the loan before committing to it. This violates the Truth in Lending Act ( TILA ). 2. GLITCHY/DEFECTIVE LOAN DOCUMENT : The electronic loan document malfunctioned during the signing process, making it impossible to review all material terms before signing. 3. PAYMENT SCHEDULE MISREPRESENTED : The loan was presented to me as having monthly payments. After signing, Uprova switched the payment schedule to biweekly payments without my informed consent. When I called to dispute this, Uprova refused to correct it. 4. UNCONSCIONABLE COST : My {$1200.00} loan will cost me over {$4000.00} to repay in full more than three times the principal. This is consistent with Uprova 's pattern of charging APRs exceeding 300 %, which has been documented in hundreds of CFPB complaints. 5. ACH AUTHORIZATION CONCERNS : Uprova has an upcoming debit to my bank account ( XXXX Bank ) for which I did not give fully informed consent, as the payment amount and schedule were misrepresented. WHAT I WANT : I want Uprova to ( 1 ) provide full TILA disclosures and a corrected loan agreement; ( 2 ) reduce the total repayment amount to reflect a lawful interest rate ; ( 3 ) cease all ACH debits pending resolution ; and ( 4 ) provide a complete payment history and current payoff amount. I have also filed revocation of ACH authorization with my bank, submitted a debt validation demand to Uprova, and filed a complaint with the Rhode Island Attorney General.

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 2026-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am filing this new formal complaint because Credit Acceptance Corp. used a bad-faith 'Fraud Pivot ' to force my previous complaint closed on XX/XX/year>, by falsely claiming 'Suspected Fraud. ' I am NOT alleging identity theft or third-party fraud. I am the account owner disputing inaccurate, impossible credit reporting under 15 U.S.C. 1681s-2 ( b ) .Credit Acceptance Corp. is reporting this account to the major bureaus as an active, 'Open ' auto loan with a " $ 0 Monthly Payment Due, ' yet they are simultaneously reporting that the account is 180 Days Past Due on a {$26000.00} balance. Under XXXX XXXX compliance guidelines, it is legally and logistically impossible to be contractually delinquent on a {$0.00} required monthly payment.Furthermore, on a recorded phone call on XX/XX/year>, a Credit Acceptance representative explicitly stated my monthly payment was contractually {$530.00}, directly contradicting their credit reporting of {$0.00} due. They willfully 'verified ' this false {$0.00} data to XXXX XXXX XX/XX/year>. Closing a federal regulatory file under a false fraud flag to evade an active FCRA dispute constitutes an independent willful violation of federal law. I demand that this entire inaccurate trade line be completely deleted from my credit reports immediately.

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 2026-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
In XXXX, the bank officer XXXX XXXX reviewed my compliant on XXXX XXXX refusing me to apply for credit with him at his XXXX, NY location. I then started working with XXXX XXXX XXXX to file a business loan application. He collected my documents and application and emailed me that it will be submitted and then that it was under review. He gave me a verbal denial on XX/XX/XXXX and then I found out that he can not do that and that my documents and application was never logged into M & T Bank XXXX system. I made a compliant with the bank XXXX XXXX and it seems as though he is denying it. I had a meeting with XXXX XXXX and XXXX the next day and she heard him confirm that he did an internal review & decision, but the bank policy is that all loans be forwarded to underwriters. He then tried to pull my credit on with the first application and a blank application signed page.

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 2026-07-01 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am submitting this complaint because Truist denied my dispute twice regarding unauthorized charges from XXXX totaling more than {$4000.00}. In XXXX, XXXX required me to enter my debit card information simply to create an account and access the platform. I provided my debit card for that purpose only. I did not knowingly authorize recurring charges or expect to be billed random amounts ranging from approximately {$40.00} to {$180.00} on an almost daily basis. Beginning in approximately XX/XX/XXXX and continuing through XX/XX/XXXX, XXXX charged my account almost every day in varying amounts, ultimately totaling more than {$4000.00}. I never expected or knowingly authorized this pattern of recurring charges. Once I discovered what was happening, I repeatedly attempted to resolve the issue directly with XXXX. I called and texted customer support multiple times requesting assistance, asking that my account be closed, and requesting that the billing stop. I was unable to obtain meaningful assistance. I was also unable to access my XXXX account because the platform required me to update my payment information before allowing me to proceed. As a result, I could not access my account to manage or cancel the billing myself. The charges continued until I was forced to report my debit card as compromised and replace it entirely just to stop additional charges. Consumers should not have to cancel and replace a bank card to prevent a merchant from continuing to charge their account. I disputed these transactions with Truist on XXXX separate occasions and explained that I did not knowingly authorize recurring charges of this nature. Despite this, Truist denied both disputes. I am concerned that the investigation did not fully consider the facts or adequately address whether I knowingly authorized recurring charges in the amounts and frequency that occurred. I respectfully request that Truist provide the evidence it relied upon in determining these charges were authorized, including any documentation demonstrating my explicit authorization for the recurring billing. I also request that Truist conduct a thorough reinvestigation and reimburse the disputed charges if it can not substantiate that these recurring charges were properly authorized.

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 2026-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX, Zions Debt Holdings responded to CFPB Complaint No. XXXX. However, the response failed to address the core issues raised in my complaint and did not provide the complete validation and verification documents requested. My complaint specifically requested documentation required to validate the alleged debt under the FDCPA and verify the accuracy and completeness of the account under the FCRA, including the original signed agreement, complete account history, proof of ownership, purchase or assignment records, Date of First Delinquency ( DOFD ), charge-off date, acquisition date, complete account data, and investigation procedures used to verify the account. Instead of providing the requested documentation, Zions Debt Holdings merely stated that it purchased a XXXX account, claimed the account was not properly closed, referenced a balance amount, and offered deletion if the account were paid. The company also claimed it had previously provided validation in XXXX but did not provide evidence through the CFPB response that the requested validation documents were actually supplied, nor did it address the specific FCRA verification requests contained in my complaint. A demand for payment and an offer to delete the account upon payment do not satisfy the company 's obligations to validate the debt or verify the accuracy of the information being reported to consumer reporting agencies. The response fails to establish ownership of the account through documentary evidence, fails to provide the requested account history and timeline information, and fails to demonstrate that the reported information is complete and accurate. Because Zions Debt Holdings did not fully address the validation and verification requests submitted through the CFPB process, the account remains disputed and unverified.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
He scammed me for a service that never happened! He said he can fixed my two rims for my SUV and he will come to my place and get it done! He wanted money for materials but he never showed up and when I call he disconnects my call and never picks up.

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 2026-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XXXX XXXX a series of fraudulant transactions were flagged to me by First Tech Federal Credit Union on my debit card for my checkings account, I immediately informed them the transactions were not authorised by me and they blocked the transactions and i cancelled the debit card and got a new one. However they mentioned that one transaction had gone through and i would need to wait for the transaction to be posted to dispute it. I saw the transaction ( screenshot attached ) on XXXX XXXX that was posted on XXXX XXXX and called the bank to start a dispute. I would like to note here that the transaction was a Descriptive Withdrawal that means that someone on the side of the bank pushed it through. The transaction also clearly notes that it was from the same fraudulant merchant as the previous warning - XXXX XXXX On XXXX XXXX, I called the bank and submitted a dispute online ( XXXX ) for this transaction thinking it would be a smooth process however on XXXX XXXX i received an email that the dispute had been rejected for these reasons XXXX verified transaction ( s ) when reported in possession of card. The transaction in your dispute contains data which indicates that a valid authorization was provided. I would like to dispute these reasons as i have no knowledge of this transaction and could not possibly have authorised it

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 2026-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XX/XX/XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
On XXXX XXXX I sent a certified letter requesting an arbitration and the application with my wet signature. On XX/XX/year> I received a statement from an account that I did not recognize. In XX/XX/year> I also called and requested these two request verbally on the phone which was being recorded by them. The law states that I can request an arbitration and my wet signature. I would like to see those things happen

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 2026-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
Dispute and Request for Validation of Alleged Debt Account Reference : L J ROSS & ASSOCIATE Open Balance {$680.00}, Opened XX/XX/year> To Whom It May Concern : I am writing to dispute the above-referenced alleged debt that your company is reporting. I have no knowledge of this debt and do not believe I owe it. Please provide full validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, including but not limited to : 1. The full name and address of the original creditor. 2. A complete accounting of the debt, including the original amount owed, any interest, fees, or charges added, and a breakdown showing how the current balance of {$680.00} was calculated. 3. Documentation showing that your company has the legal right to collect this debt ( assignment or purchase agreement ). 4. A copy of any signed agreement or contract between myself and the original creditor that creates this alleged obligation. 5. The date the debt was incurred or became delinquent and the date it was placed with your agency. 6. Any other information or documentation necessary to verify the validity of this debt. Until you provide complete validation as required by law, I formally dispute the validity of this debt. I demand that you immediately cease all collection activity on this account, including any reporting or updating of this tradeline to the credit reporting agencies ( XXXX XXXX XXXX ). Any continued reporting or collection efforts without proper validation violates the FDCPA. This account appears on my credit reports as follows ( copy of screenshot attached ) : Company : L J ROSS & ASSOCIATE Open balance : {$680.00} Opened : XX/XX/year> ( 3 months ) Last reported : XX/XX/year> Status : Open Responsibility : Individual Original creditor listed : L J ROSS & ASSOCIATE If you fail to provide the requested validation within thirty ( 30 ) days, I will assume the debt is invalid and will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Illinois Attorney General, and pursuing any available remedies under the FDCPA and Fair Credit Reporting Act ( FCRA ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Obligo Inc.
State: GA

Complaint narrative:
I enrolled in Obligo 's securitydepositalternative service for a rental in Florida. At moveout, the property manager submitted {$4100.00} in moveout charges {$3000.00} for " 20 days of XXXX rent '' and {$1100.00} for " power washing. '' I dispute both charges in full and have documented my dispute with the property manager. The charges are unsubstantiated : the powerwash charge is supported only by a contractor 's estimate, not an invoice for work performed, and the conditions it addresses preexisted my tenancy ( documented in a dated movein video ). The rent charge is disputed under my lease and Florida law. I revoked all payment authorization for Obligo, in writing, in every email I send with the last one sent on XX/XX/XXXX and expressly withdrew any agreement to make a partial payment. Despite that written revocation : An Obligo representative said my case was " still under review, '' yet asked me for a {$250.00} " good faith '' payment, referenced " penalties '' if not collected, and attempted to charge my card. On XX/XX/XXXX after my written revocation Obligo charged {$250.00} to my card and unilaterally created a 5installment payment plan totaling {$4100.00} that I never authorized. Obligo collected the {$1100.00} powerwash charge even though the property manager told me that charge was " under review '' with the property owner. I asked Obligo, in writing, to place the balance in disputed status, cease all collection and any creditbureau/collection reporting while disputed, provide the signed billing authorization it relies on, and explain the basis for any " penalties. '' Instead, a payment plan was imposed and a charge made without my authorization. I am disputing the {$250.00} charge with my card issuer. I did not authorize any charge or payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief