vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
I am submitting this formal complaint regarding the financing of my XX/XX/XXXXXXXX, purchased from XXXX of XXXX, Georgia, under terms that were not clearly and transparently explained to me at the time of purchase. 

I was not provided with a clear breakdown of how my payments would be applied toward interest versus principal, and was only recently shown that I would be required to pay approximately XXXX years of XX/XX/XXXX monthly payments composed primarily of interest before the loan balance meaningfully reduced. This was never explained to me in a clear, plain-language format by XXXX of XXXX, Consumer Portfolio Services , or any representative involved in the sale and financing process. 

Had I been given an accurate representation of how much interest I would pay before principal, and how long that would take, I would not have agreed to this loan. The vehicle is not worth anywhere near {$50000.00}, yet I am now faced with an interest burden that far exceeds the value of the car. I feel misled, hurt, and disappointed by what I now understand to be a financing structure that was glossed over during the sales process. 

I have attempted to resolve this directly with Consumer Portfolio Services by requesting voluntary surrender and pickup of the vehicle, but I believe there is a greater concern with the lack of transparent disclosure. Therefore, I am requesting : A full, transparent explanation of how the loans amortization was communicated at the time of sale and why this was not disclosed clearly before contract signing. 

A written breakdown of how my payments are applied to interest and principal over the life of the loan. 

Confirmation of my request for voluntary surrender and pickup of the XX/XX/XXXXXXXX. 

Any documentation provided to me at the time of sale that details the actual cost of financing, including interest versus principal. 

I have attached all relevant documents, including the sales contract, financing disclosures, and recent correspondence. I request timely written responses to each of these points for my records. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I was using the Credit Karma app to check my credit score when I saw an offer to refinance my car. There was a button labeled See Offer. After I clicked it, another screen opened with the name XXXX and a disclaimer stating, Thank you for your inquiry. One of our representatives will contact you. Almost immediately, I received a call from someone at XXXX saying he was calling to proceed with signing my new loan with them. I told him I had not approved any loan and asked whether my credit had been run. He said yes. I was extremely upset and asked to speak with a manager and requested proof of any agreement or authorization. The representative stated that they did not have any documentation because they were only the broker and that everything was completed electronically through XXXX XXXX. I asked for a copy of this agreement, and she then said she did not have it. When I spoke with the manager, she initially said they did have a copy but could not show it to me. I explained that this violated my consumer rights, as I am entitled to see any agreement I supposedly signed authorizing a credit inquiry. She then changed her statement and said they did not have the agreement because it was electronic and that XXXX XXXX had it, and that it would take time to obtain. At that point, it was clear I had been given multiple conflicting and misleading statements, so I informed them that I would be filing a complaint. I then contacted Credit Karma through their chat support. I was told they also did not have any agreement on file and that they do not run credit checks themselves. They blamed XXXX, stating that XXXX was responsible for running the credit inquiry. I also notice after that I received XXXX emails, XXXX from XXXX XXXX  stating that they were going to call me about my application and XXXX from Credit Karma where they advised that my credit report was affected because of a hard inquiry and when I checked my credit report. It was lower XXXX points. I was left with no answers no one could explain who ran my credit or provide the agreement authorizing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I opened a new First Horizon Checking and Savings account to earn the {$700.00} opening bonus. The requirements for the {$450.00} checking bonus were {$2000.00} in payroll or government funds directly deposited to receive the bonus. To receive the savings bonus, {$3000.00} in new money needed to be deposited within 30 days and maintained for 90 days. I did an opening deposit for {$50.00} and a {$2900.00} XXXX payment from XXXX  to the checking account and immediately transferred those funds to the savings account within the 30 days and maintained those funds for the required 90 days. The funds were new because both accounts were new. Because it wasnt deposited directly into the savings, First Horizon is claiming those funds werent considered new money because they were in the checking account prior to being transferred to the savings account and did not deposit the remaining {$250.00} bonus. Thats extremely misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX XXXX XXXX  purchase made through Affirm for an order with XXXX XXXX. 

Order Number : XXXX Merchant : XXXX XXXX XXXX : XXXX Tracking Number : XXXX I returned the item using XXXX XXXX prepaid XXXX return label. XXXX has confirmed that the package is lost. Despite this, XXXX XXXX has kept my money and has stated that the return is still under investigation for over 30 days. 

Affirm has informed me that they can not process the refund because XXXX XXXX has not responded as the merchant. As a result, I am still being charged for an item that I no longer have and that was lost by the merchants carrier. 

This situation is unfair and unreasonable. The responsibility for the lost return lies with the merchant, not the consumer. I am requesting that this issue be escalated and that the merchant be required to confirm the refund so that Affirm can resolve the account and stop any further charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: NY

Complaint narrative:
RNT DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research RNT DEBT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
On Friday, XX/XX/year>, I received an email stating my PayPal account would be charge approximately {$450.00} for a XXXX purchase ( that I didn't make ) unless I called the number to stop it. I called and the help desk told me my identity had been stolen and they needed me to work with them to catch the perpetrator. They would need my computer 's IP address to " entice the perpetrator to come after me online so they could catch he/she. '' I told them that sounded suspicious and I would not work with them any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates
State: NC

Complaint narrative:
STAFFORD GROUP AND ASS is falsely reporting on my credit. I have never had any accounts with them. Per my research STAFFORD GROUP AND ASS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to dispute inaccurate late payment remarks reported on my credit file. These late payment entries are incorrect and do not accurately reflect my payment history.

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 2026-01-26 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: Block, Inc.
State: SC

Complaint narrative:
My verified Cash App account XXXX XXXX XXXX XXXX  was deactivated in XX/XX/year> without written explanation, appeal process, or compliance findings. The account was used for lawful income, business payments, and family support. Since XX/XX/year>, I have incurred approximately {$720.00} per month in third-party financial access fees because I was forced to use alternative services. I am requesting a formal compliance review, written justification citing any alleged policy violation, and account reinstatement or restitution for documented financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
I had a complete stranger log into my Cash App account and steal {$450.00}. I have disputed this XXXX with Cash App. Both claims got denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: ID

Complaint narrative:
I have called over several weeks different days and always get placed on hold for XXXX hours, then the call drops off or someone answers and hangs up and I have to start over. This is fraudulent behavior and costing thousands of dollars. They dont have call back options. They do everything they can to obstruct phone calls

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As of XX/XX/XXXX, my Citibank checking and savings accounts maintained a combined balance of approximately $ XXXX, which prevented me from monthly service fee. 
Beginning in XX/XX/XXXX, Citibank began charging a XXXX XXXX  monthly service fee, which continued for approximately XXXX months ( totaling about {$180.00} ). However, I have XXXX  XXXX in my account. Why is this fee even deducted? 
During this entire period ( XXXX XXXX ), I did not log into Citibank Online, access statements, or view electronic notices. I reasonably trusted that my account was in good standing. I trust Citi bank, that's why I choose it as my bank. 
While Citibank states that electronic notices were sent, I did not view or become aware of them due to no online access or acknowledgment. 
The monthly service fees were deducted without my awareness and directly reduced my account balance over time. 
Once I became aware of the fees XX/XX/XXXX, I immediately contacted Citibank to dispute them and requested reversals. I was informed that my appeal was declined despite my lack of awareness and login history. I called XXXX times, promised to get XXXX months of XXXX back, but only got XXXX months. Then I filed another complaint to Citi, appealed once, all got denial. 
Had I known earlier that maintaining a balance alone no longer waived the monthly service fee, I would have immediately closed the account or taken steps to avoid fees. I would not have knowingly allowed fees to accumulate.

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 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Santander is violating the CFPB 7-in-7 rule ( Regulation F ) by calling me excessively with a 7 day period : XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> XX/XX/year> XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> XX/XX/year> : XXXX XX/XX/year> : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JPMorgan Chase Bank , N.A . reported late payments on my credit card account to XXXX XXXX XXXX XXXX. I dispute this reporting because the company has not provided proof that the required billing statements were delivered at least XXXX days before the payment due date, as required by federal law. 
I contacted the company in writing and requested documentation to support the late payment reporting, but no verifiable proof was provided. The inaccurate late payment information remains on my credit reports and continues to cause harm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/year>, an error amount was sent to a cash ap customer of {$100.00} in which the amount should have been {$10.00} to XXXX XXXX. She refunded the money back to me on the same day. As of this date, this matter has not been resolved. Below I will send you emails that I received from CASH AP, refusing to send me my refund. Nothing has been resolved only from Cash Ap stating ( see documentation that was uploaded ) that they refused to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: SD

Complaint narrative:
In approximately XXXX XXXX, I first contacted Honda Financial Services regarding my delinquent auto loan account and the risk of repossession. I continued contacting Honda that same weekend and again the following week in an effort to resolve the delinquency and avoid repossession. 

During those conversations, Honda representatives told me that if I could pay the past-due balance of approximately {$1900.00}, the account could be brought current and repossession avoided. I was instructed to make payment using XXXX XXXX with my Honda account number. 

A few weeks later, in early XX/XX/XXXX, I attempted to make a payment through a different money transfer application, believing the payment had been submitted. I later learned that the payment did not go through. 

On XX/XX/XXXX, after obtaining employment as an accountant and being able to pay more than originally requested, my family and I attempted to submit approximately {$2400.00} total to fully satisfy the delinquency. We again attempted payment through XXXX XXXX as previously directed, but XXXX XXXX was unable to process the payment through their app due to system issues. 

On XX/XX/XXXX, I contacted Honda Financial Services again to confirm how to proceed. At that time, Honda informed me that they would no longer accept any payment because the account was past XXXX days delinquent. This was the first time I was made aware of any cutoff preventing payment. At no point during my prior conversations in XXXX or XXXX was I informed that payment would be refused after a certain number of days or that there was a deadline for making the XXXX XXXX payment. 

My vehicle has not been repossessed and remains in my possession in secured storage. I have been actively attempting to pay and resolve the account, including attempting to pay more than the originally stated amount, but Honda is now refusing to accept payment after previously directing me to use XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: WA

Complaint narrative:
I am unable to close my XXXX  account or remove my XXXX XXXX. 

When I select Close Account, the app returns the message : We can not close this account at this time and instructs me to contact XXXX  XXXX. However, all available support channels are automated and do not provide access to a human agent or any resolution. 

My account balance is {$0.00}, all transactions are complete, and there are no pending payments or disputes. I received a single XXXX XXXX XXXX payment, paid the associated fee, and successfully transferred the funds to my bank. There has been no issue with the transaction. 

Despite this, XXXX  will not allow account closure and provides no explanation of what is preventing it. I am requesting that XXXX  manually review my account, clearly state any legitimate reason preventing closure, and close the account as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TN

Complaint narrative:
The Unsubsidized graduate loan incorrectly shows a repayment start date of XX/XX/2015, creating an artificial gap of approximately XXXX months in qualifying PSLF payments. This loan was disbursed and repaid together with a companion Grad PLUS loan, which has already been forgiven under PSLF. Despite identical repayment history, the Unsubsidized loan remains active and has not been forgiven or even updated. 

I have submitted multiple PSLF reconsideration requests over the past year, communicated repeatedly via email and chat with Mohelas PSLF advocate, and filed a previous CFPB complaint, but the issue remains unresolved. 

This is a data integrity and loan status error, not an eligibility or employment issue. I have submitted everything I have as well as FSAs records demonstrate that qualifying payments existed during this period, as evidenced by forgiveness of the companion Grad loan disbursed on same date. This error is preventing proper PSLF credit from being applied to the Unsubsidized loan, and I am requesting that CFPB ensure Mohela corrects the repayment start date and properly applies all qualifying payments.

Company response to consumer: Untimely response