vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
Consumer Information Name : XXXX XXXX Product or Service Information Product or Service : Auto Loan / Vehicle Sale and Financing Type of Problem : Deceptive practices, coercion, and failure to honor terms of sale directly impacting the loan process. What Happened The purchase of a XXXX XXXX on XX/XX/XXXX from the dealership XXXX XXXX was explicitly contingent on the repair of a broken panoramic sunroof. This agreement was confirmed multiple times by salesman XXXX XXXX and other dealership staff. ( Screenshots attached documenting this agreement. ) Following the sale, dealership staff using contact numbers ( XXXX ) XXXX and ( XXXX ) XXXX explicitly instructed me, XXXX XXXX, to provide false information to the finance company during the required " welcome call '' or " phone interview. '' I was subjected to coercion, with staff stating that if I did not claim the vehicle was " fixed '' and " not mention the issues '' to the bank, the finance company would " reject the loan and we have no deal. '' At the time of these demands, the sunroof remained broken and repairs were still pending. ( Screenshots attached detailing this coercive instruction. ) After I completed the loan process under this duress, the dealershipspecifically " XXXX XXXX, '' the service managerceased all communication and failed to honor the commitment to schedule or perform the sunroof repair. Furthermore, an independent inspection by a mobile mechanic confirmed the broken sunroof and identified severe damage to the rotors and brakes, which the dealership had failed to address, significantly contributing to my distrust of their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
Subject : Dispute & Validation Request Account # XXXX I am disputing this account as it is not mine. I have no knowledge of this debt and request full validation under the Fair Credit Reporting Act and FDCPA. Please provide : - Original signed agreement - Full account history - Proof of ownership of this debt If you can not provide this documentation, you must delete this account immediately. This may also be identity theft, and I request investigation under FCRA 605B. Please provide written confirmation. Sincerely, 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 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I financed a XXXX clear aligner treatment through CareCredit in the amount of {$2000.00}. The treatment plan included XXXX upper aligners and XXXX lower aligners. I completed the XXXX lower aligners and received only XXXX of the XXXX upper aligners. The remaining XXXX upper aligners required to complete treatment were never delivered. I contacted the provider multiple times to request completion of the treatment plan or a refund for the undelivered portion. The provider refused to supply the remaining aligners and refused to issue a refund. The company has also announced it is winding down operations. Because the full treatment was not delivered, I filed a dispute with Synchrony Bank for services not fully rendered. Synchrony denied my dispute and held me responsible for the full {$2000.00} charge. This is not a dispute about treatment outcome, contract terms, or refund policy. This is a dispute based on incomplete delivery of a multi-stage product. The treatment plan clearly required XXXX upper aligners, and only XXXX were delivered. I am requesting that Synchrony Bank re-evaluate this dispute based on incomplete delivery of the treatment and reverse the {$2000.00} charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MD

Complaint narrative:
I had a cash app account that was closed on me and I was told that I would be able to get the remaining funds off of my account and my account disappeared and I was never able to get my money when they told me I would be able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Third Formal Complaint : Deceptive Practices and Asset Seizure Complainant : XXXX XXXX XXXX Financial Institution : Capital One , N.A . Product : Capital One Venture X Reference Case Number : [ INSERT YOUR CASE NUMBER ] Account Number : XXXX This is my third formal complaint regarding a pattern of deception and bad faith by Capital One. My account was closed following a document verification failure where I submitted XXXX documents instead of the requested XXXX. Capital One has misled the CFPB in XXXX previous responses by providing documents with dead-end instructions. I have now dealt with XXXX separate agents who provided false information. Agent History Agent 1 : XXXX ( ID : XXXX ) on XX/XX/XXXX. He stated no further review was possible and shifted blame to me for providing too much information. He refused to speak once I mentioned the call was recorded. Agent 2 : XXXX ( ID : XXXX ) in XXXX. She claimed she could not find my case number in the system. She told me to do nothing and wait, which prevented me from resolving the issue while my assets remained locked. Agent 3 : Unnamed on XX/XX/XXXX. After receiving a PDF directing me to the Executive Office, this agent stated they did not know what an Executive Office was and again could not find my case on file. The Issue Capital One is providing misleading responses to the CFPB. They send PDFs with incorrect grammar and non-functioning instructions. XXXX PDF directed me to an email address that was not included. Another provided a phone number that leads to standard customer service rather than the Executive Office, in the same document they told me to contact Executive Office. Both PDFs are attached While I was gathering a physical package of documents to mail, Capital One changed my account status from restricted to permanently closed. They are now demanding verification for an account they have already shut down. This is an intentional hurdle to avoid returning my {$390.00} annual fee, my {$300.00} travel credit, and my earned rewards balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 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: FIRSTBANK
State: TN

Complaint narrative:
Although I selected money was taken from your account on the wrong day or for the wrong amount, the real issue is a duplicate debit card charge and the banks refusal to investigate after the merchant had already reversed the duplicate and credited my account. This reversal of the provisional credit caused my account to become overdrawn. During my XXXX billing cycle, my automatic payment failed. The following day, I made a one-time manual payment to bring my account current. Later that same week, the automatic payment was processed, resulting in a duplicate charge for the same billing cycle. After attempting to resolve the issue directly with my XXXX without success, I filed a dispute with my bank regarding the duplicate debit card charge. The bank issued a provisional credit while the dispute was investigated. Approximately one week later, my XXXX acknowledged that the additional charge was due to a system issue. The XXXX reversed the duplicate charge on my account and issued a credit to my service account. About two weeks later, the merchant had submitted a rebuttal, claiming the two charges were valid, separate transactions. Based on this rebuttal, the bank denied my dispute and reversed the provisional credit. I requested a copy of the merchants rebuttal, and the bank provided it. I then submitted documentation showing that the XXXX had already reversed the charge and credited my account, directly contradicting the merchants claim that the transactions were valid. Despite this conflicting evidence, the bank refused to reopen the dispute or further investigate it. When the provisional credit was reversed, my account became overdrawn. I plan to cover the negative balance to prevent additional fees and potential account closure, once funds are available. Still, this overdraft occurred solely because the bank reversed the credit after declining to investigate the dispute properly. I also contacted the XXXX again, and the representative confirmed that a reversal and credit were issued due to a system error. They also stated they couldn't locate any record of the rebuttal letter submitted to my bank, and that their back office would investigate whether a letter was sent, for which I'm still awaiting a response. I'm attaching supporting documentation, including the merchant rebuttal provided by the bank, confirmation of the XXXX reversal and account credit, their investigation into a letter sent to my bank, and bank records showing the disputed transactions, the provisional credit, the reversal, and the resulting overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Merchant : Macys Transaction Date : XXXX XXXX, XXXX Amount : XXXX Order Number : # XXXX Tracking Shipped with UPS Tracking # XXXX Delivery Date : XX/XX/year> I am filing a complaint regarding a denied credit card dispute. I purchased an item from Macys and had it shipped to my address, clearly specifying XXXX XXXX However, the package was not delivered to my apartment unit. Instead, it was left unattended in a public lobby area. The item was subsequently stolen because it was not delivered to a secure location. The merchant claims the item was delivered based on a photo, but the photo only shows delivery to the lobby, not to my apartment door. I disputed this transaction with Citibank, but my claim was denied solely based on delivery confirmation. This does not reflect proper delivery to the specified address. This is not a theft claim. This is a failure to deliver to the correct location as required in the transaction. I am requesting that Citibank re-investigate this case and issue a refund for the transaction. I have attempted to resolve this multiple times without success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Here 's the CFPB " What happened? '' text for Barclays copy and paste : On XX/XX/year>, a charge of {$6400.00} was posted to my Barclays credit card for credit funding consulting and house renovation services provided by XXXX XXXX XXXX, processed through their merchant processor FanBasis. No services were ever delivered. The CEO of XXXX XXXX XXXX, XXXX XXXX, sent a written email on XX/XX/year> confirming that no services would be rendered, that I am fully entitled to a refund, and that he would not appeal any chargeback. In a second email dated XX/XX/year>, he confirmed that XXXX falsely notified banks that services were delivered without his authorization, which he stated may constitute a violation of the Electronic Fund Transfer Act ( EFTA ) and unfair and deceptive practices under the FTC Act. I filed a chargeback with Barclays for {$6400.00}. The dispute was denied despite having written confirmation from the merchant that no services were rendered. XXXX made false representations to Barclays claiming services were delivered, causing my dispute to be wrongfully rejected. I am requesting the CFPB investigate this matter and assist in recovering the {$6400.00} that was wrongfully charged and remains unrefunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Self Financial Inc.
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.this has impacted me tremendously I'm not able to apply for anything I have been in a hotel for the past 6 years due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: TX

Complaint narrative:
I used Klarna to purchase an item from XXXX in the amount of {$83.00}. The order was marked as delivered, but I never received the item. I contacted both the merchant and Klarna multiple times to resolve the issue and attempted to provide proof, but I was unable to successfully submit my documentation due to technical issues on Klarnas side. The issue was never resolved. Despite my efforts, Klarna sent the balance to a debt collection agency ( XXXX ). I have since formally disputed the debt with the collection agency. Klarna has refused to investigate the issue or take responsibility for the original transaction and continues to redirect me to the collection agency. This debt is invalid because the goods were never received. I am requesting that Klarna investigate this matter, recall the account from collections, and remove the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I am disputing this collection account as it is not mine. I have no knowledge of this debt and have never entered into any agreement with this collection agency. Please provide full validation of this account, including : - Original signed contract - Full account history - Proof of legal ownership of the debt Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and FDCPA 809, you are required to verify this information. If you can not provide proper documentation, this account must be deleted immediately. This account may also be the result of identity theft, and I request an investigation under FCRA 605B. Please send written confirmation of the results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
balance to ratio debt or what kind of lease is this? It's a typical XXXX a month for XXXX months but the thing is i already called about a loan I paid off with XXXX and acima does not give the money back unless the part is returned which then a typical mechanic does not return the labor cost and they don't keep the old parts. Moving forward I have had XXXX acima leases open at once. Same store totally unconventional and they make way more profit margin by XXXX times the amount and at first the stores they use already ask a phenomenal amount. the issue is infringement and inconsistencies. Here we have a place at XXXX XXXX that the district managers are investigating the problem and the sales people, mechanics, and going to refund the money. Now should Acima pay there amount back to me or should XXXX XXXX? How is this going to go down. I been saying the part was not installed correctly and they price gouged me, And sold parts I did not need. This is an irrefutable dispute that goes nowhere except into my pocket to keep handing out money that is not doing any good for the vehicle malfunctions. I been denied credit due to unable to verify identity whatever that means they know who I am i have had several leases and twice at the same time. Whatever amount i was approved for usually stays open but this time it did not and they act like it's me. what a rip off yeah it gets the job done but who all wants to rip people off when they barely making it to begin with. My XXXX mile vehicle that's XXXX years old and they believe it needs repairs that are only worth XXXX bucks to make it XXXX bucks come XXXX show some remorse and empathy if not you're psychotic

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
My phone was stolen then end of XXXX and charged my XXXX bank checking account {$500.00} with XXXX. I disputed the charges with XXXX bank a they reversed the charge. A month later, they again reversed the charge and asked I provide documentation that it was in fact an unauthorized transaction. I followed up with a document from my phone company that my service was suspended due to a lost/stolen device. As a result to this, XXXX bank closed my account without any further explanation or confirmation that they received the documents I sent. When attempting to open up a new checking account at multiple banks and continuously being denied, I inquired a copy of my early warning consumer report where XXXX bank had reported the account had been closed due to account abuse. I've tried reaching out to XXXX bank multiple times and have gotten no where. I have dealt with numerous issues due to identity theft/fraud and this is now affecting my everyday life and making it difficult to live sutficiently without a checking account. I am also a victim to data breech with evolve bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CL Holdings LLC
State: NV

Complaint narrative:
Subject : Dispute & Debt Validation Request Account # XXXX I am disputing this account as it is not mine and I have no knowledge of this debt. I have never entered into any agreement with your company. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and FDCPA 809, I request full validation of this alleged debt. Please provide : - Original signed contract - Full account and payment history - Proof of legal ownership of this debt If you can not validate this account, you are required to delete it from my credit report immediately. This account may also be the result of identity theft, and I request an investigation under FCRA 605B. Please provide written confirmation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
COMPLAINANT INFORMATION Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX Company : Remitly , Inc . 3. SUBJECT : Delayed {$4000.00} Money Transfer and Failure to Release Funds 4. COMPLAINT DETAILS On XX/XX/year>, I initiated a {$4000.00} money transfer through Remitly to XXXX. The funds were successfully taken from my account. However, as of XX/XX/year>, the funds have not been delivered to the recipient. Remitly requested that I verify my identity. I complied and submitted all required verification documents promptly. Despite completing verification, my transfer remains on hold with no clear explanation or resolution. This delay now exceeds the normal processing timeframe advertised by Remitly. I have contacted customer service, but the issue remains unresolved. Due to this delay, I lost a confirmed XXXX car rental opportunity, resulting in financial loss. This loss was directly caused by my inability to access the funds in a timely manner after completing all required verification. 5. ISSUE Remitly is holding {$4000.00} of my funds without delivering the transfer or providing a clear reason after verification was completed. 6. REQUESTED RESOLUTION - Immediate release of the {$4000.00} transfer OR full refund - Refund of all fees and any exchange rate differences- Additional compensation of {$750.00} for financial loss and inconvenience 7. LEGAL NOTICE If this matter is not resolved promptly, I will pursue formal complaints with federal and state regulatory agencies, including the Consumer Financial Protection Bureau and the XXXX XXXX State Department of Financial Services. 8. CONCLUSION This situation has caused significant financial hardship and business loss. I expect a prompt resolution. Sincerely, XXXX XXXX Date : XX/XX/year> XXXX

Company response to consumer: Closed with explanation