vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: WA

Complaint narrative:
I have received repeated text messages from a company identifying itself as Unifin stating that it is a debt collector attempting to contact me regarding an alleged debt. The messages include a reference number and a phone number to call regarding the account. The messages were sent from different phone numbers but contain the same reference number and instructions to contact the company. I did not provide consent to receive collection messages by text and the debt referenced in the messages has not been validated. I have requested verification of any alleged debt and have disputed accounts appearing on my credit report. Despite this, I continue to receive text messages attempting to collect a debt. Under the Fair Debt Collection Practices Act, debt collectors must provide proper validation of a debt and must not engage in misleading or harassing communication practices. Repeated collection contact without verification of the alleged debt is concerning and may violate federal consumer protection laws. I am requesting that the company provide proper validation of the alleged debt or cease all collection communication with me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
I am an XXXX XXXX servicemember who entered XXXX XXXX on XX/XX/year>. My auto loan with Toyota Financial Services was opened prior to XXXX XXXX with an APR of XXXX %. Under the Servicemembers Civil Relief Act ( SCRA ), my interest rate should be capped at 6 % and any interest above 6 % must be forgiven. I submitted my SCRA request but the loan still reflects a 24 % APR. I am requesting confirmation that my interest rate has been reduced to 6 %, excess interest forgiven, and my payment recalculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello I am writing to formally dispute a fraudulent account that appears on my credit report. This account is listed as XXXX XXXX XXXXXXXX XXXXK with balance of {$2200.00} and it was opened on XX/XX/year>. I did not apply, authorize or use this credit card at any time and its the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: VT

Complaint narrative:
I recently ( within 2 weeks ) applied for a HELOC with Navy Federal Credit Union. The rates advertised for up to 95 % of available equity at starting at 7 % interest ( based on a XXXX credit score ). I have a XXXX credit score and they were trying to offer me 8.75 % for {$220000.00} credit. I initially put in for an interest only HELOC for 8 % and the lady told me she couldn't approve it at the amount I asked ; {$250000.00}. But, then offered me the standard HELOC for {$220000.00}. She told me this would be 8.75 %. I work nights and was half awake. I told her I thought it weird the website said standard HELOCs were lower rates, but this one was higher. I agreed in the moment, but did research later. I called leaving a VM, I was not agreeing to it, because the website advertised differently. Again up to 95 % credit of your equity starting at 7 % interest. It is pretty clear. I explained to them what they have advertised and stated I would not have considered this if they were not going to honor their advertisements. I feel they are " teaser '' rates and they are predatory in their advertisement. I told them I was not interested in the HELOC if they could not offer me prime rate. They said they would not, and I said I would not take the HELOC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Credit Acceptance interest rates was too high for the customer

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 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My Wells fargo account was compromised and I requested a freeze on the account to secure my funds. This was not honored and a XXXX dollar wire was transferred out of my account on XX/XX/year> that I did not authorize or confirm at all with wells fargo. I requested a wire recall and completely overhauled my account numbers, username, and passwords. The wire recall was unsuccessful.

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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
Requested validation on XX/XX/year>, the return receipt date of delivery is XX/XX/year>, which is more than 30 days. Validation not received..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: CA

Complaint narrative:
cash app.keeps claiming they need need new information but yet everytime i respond I'm.giving new info. The last reply they kept saying i didn't reply to a a email, i replied screen shots of Me replying CASH APP THAT'S CONSIDERED NEW INFORMATION. furthermore they said i violated terms and conditions i need to know what that was and proof there of

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In pursuant of my previous CFPB complaint # XXXX, Bank of America reached out and letting me know there will be a point of contact XXXX XXXX who will be assisting with my wire inquiry. However, I attempted to reach out to her numerous time with no response and I feel that theyre only complying with sending a response with no intention to resolve the root of the issue and its increasingly frustrating as it has been over a month since I last saw my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 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: Chime Financial Inc
State: SD

Complaint narrative:
On XX/XX/year> I discovered approximately XXXX unauthorized debit card transactions totaling {$400.00} on my account. The charges appeared to be related to XXXX merchants, but I verified with XXXX that no purchases were made through my account. I immediately reported the fraud to Chime, cancelled my card, and filed a dispute. My claim was later denied without a clear explanation. I also found on my previous months account activity that Chime declined similar charges, flagging them as suspicious. I did not authorize these transactions and did not benefit from them. Under the Electronic Fund Transfer Act and Regulation E, consumers are protected from liability for unauthorized electronic transfers when reported promptly. My dispute claim was denied in 48 hours and my appeal was denied after only 24 hours, which is not enough time for a thorough investigation involving XXXX transactions. I requested documentation explaining the denial of my dispute and only received a copy of my account statement and a single page transcript of the phone call when I filed my claim. I am requesting reimbursement for the fraudulent charges and am prepared to take legal action if Chime refuses to settle this matter. Thank you for your attention to this, I greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
SoFi restricted my account today without any explanation or warning. I didnt do anything wrong and this makes no sense to me at all. Its restricted for reasons unknown and when I called they said something about my SoFi accounts being closed. I didnt do anything wrong to have this happen to me. I got no explanation or what was going on or anything just an email saying my accounts were restricted. Why???

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: HI

Complaint narrative:
I am filing this complaint regarding fraudulent charges on my credit card account. The transactions were not authorized by me, and my card has remained in my possession at all times. The bank initially contacted me regarding suspicious activity, and I immediately confirmed that I did not make those transactions. A provisional credit was issued during the investigation. However, the bank later reversed the provisional credit and claimed that the transactions were valid because chip technology was used. I strongly dispute this conclusion, as I did not authorize or make these purchases. Bank said : We issued a provisional credit to your account for the full disputed amount while we conducted our investigation. We have completed the investigation and determined that the activity is valid, as the card was found to be in your possession and utilized chip card technology, which is not susceptible to counterfeiting. Consequently, since these transactions are confirmed as valid, the provisional credit has been reversed, and the amount owed has been restored to your account. The charges are inconsistent with my normal spending patterns and occurred at locations I do not typically use. I am requesting that the bank reopen the fraud investigation and restore the full disputed amount to my account.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank closed my account officially on XX/XX/year>, they say I violated policy. They still processed and accepted my refund from the irs on XXXX XXXX and another deposit of XXXX. They did this after they say the account was closed. They say they closed my account for a mobile deposit that I made in XXXX where a check was endorsed to me and I cashed it. The check was a rebate check from an insurance company. The check did not bounce or anything suspicious they just said I violated policy because the person who signed the check over to me was not on my account. I dont owe a balance and they are just holding my money that has already cleared and. The amount that is on hold is payroll and government checks and the possible check from XXXX was for only XXXX XXXX So why hold approx XXXX and all my deposits dont total anything near that. I would like for my funds to be released to me asap to avoid getting behind on bills

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 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MST Financial Services, L.L.C.
State: WA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for retaliatory and deceptive billing practices. On XX/XX/year>, while this agency was already under a senior-level audit by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), they added a {$93.00} 'Court Filing Fee ' to my account. No Legal Basis : I have not been served with any legal summons or complaint, and no court has awarded these costs. Under the FDCPA and Washington state law, collectors can not add 'court fees ' to a balance prior to a judgment. Retaliatory Billing : This fee was added shortly after I notified the agency that their {$1600.00} in interest was legally forfeited under RCW 19.16.450 due to their previously admitted deceptive 'tactics. Willful Disregard of State Law : Despite being put on notice regarding the interest forfeiture, the agency continues to assess interest and now 'junk fees ' in an attempt to recover lost profits through unauthorized means. This agency is knowingly misrepresenting the amount of my debt and using fees as a tool of intimidation while a state investigation is active.

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 2026-03-06 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: Block, Inc.
State: ID

Complaint narrative:
I am filing this complaint against Cash App because they have refused to resolve a fraudulent transaction that occurred on my account. While browsing online shopping websites, I clicked on a product listing that appeared to be from a legitimate online store. I did not knowingly authorize or complete a purchase. Shortly after clicking on the product page, money was taken directly from my Cash App balance and charged by a merchant listed as XXXX XXXX. I immediately contacted the merchant using the contact information provided on the website. The merchant responded and told me they would issue a refund. However, the refund was never issued. After that communication, the website and the merchants email address both disappeared and are no longer accessible. This strongly indicates that the website was fraudulent and created solely to steal money from consumers. I then contacted Cash App and filed a dispute explaining that this was an unauthorized transaction and that the merchant appears to be part of a scam operation. Cash App denied my dispute. I submitted an appeal and provided additional details explaining that the merchant no longer exists and that I never authorized this purchase. Cash App denied the appeal as well and has refused to return the funds. This situation involves clear fraud. A merchant charged my account without authorization, promised a refund that was never issued, and then disappeared entirely. Despite these facts, Cash App has failed to protect my account or provide any meaningful resolution. I am requesting that this matter be investigated and that Cash App be required to properly review this fraudulent transaction and return the money that was taken from my account. Consumers should not be left responsible for losses caused by scam merchants and fraudulent websites, especially after reporting the issue and attempting to resolve it through the platforms dispute process. I would like Cash App to reopen the investigation and refund the full amount that was taken from my Cash App balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I am filing this complaint regarding my auto loan with Lendmark Financial Services. I formally requested a copy of my amortization schedule and a detailed breakdown of how my payments have been applied to principal, interest, and fees. When I originally executed my loan agreement, an amortization schedule was provided as part of the contract documents. I contacted the branch where the loan originated to request a copy and was told that Lendmark does not provide amortization schedules and that I was never given one. This statement is incorrect. After reviewing my payment history, I discovered that the first six consecutive monthly payments were applied entirely to interest and/or fees with no reduction to principal. I sent multiple written requests to Lendmarks corporate customer service and complaint email addresses requesting : 1. A copy of the full amortization schedule, AND a detailed payment history showing how each payment has been applied. 2. A review of my account to determine whether the payment allocations are consistent with my loan agreement. Instead of addressing my request, my complaint emails were repeatedly forwarded back to the same branch office that is the subject of the complaint. I specifically requested that the matter be reviewed by Lendmarks corporate servicing or compliance department, but the company has continued to redirect the issue to the branch without providing the requested documents or addressing the concerns raised. As a borrower, I am requesting transparency regarding how my payments have been applied and confirmation that my loan balance is accurate according to the loan agreement. I am requesting that Lendmark provide the following : A full amortization schedule for my loan AND a detailed transaction history showing allocation of each payment to principal, interest, and fees A formal review of the payment application on my account Correction of the account balance if payments were misapplied I am seeking assistance to obtain these documents and ensure the account is being serviced correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I product changed my card to the XXXX XXXX in XX/XX/XXXX, which comes with a {$200.00} XXXX credit that can be used towards purchases made at selected merchants, up to two merchants. I had selected Best Buy as one of my merchants and on XX/XX/XXXX I made XXXX purchases at Best Buy for XXXX each. On XX/XX/XXXX, I also made a {$80.00} purchase at Best Buy. On XX/XX/XXXX, I made several more Best Buy purchases. XXXX XXXX was my second selected merchant and on XX/XX/XXXX I made a {$180.00} purchase with them. I still havent received the {$200.00} statement credit for the usage of the XXXX credit. Over the course of each month in XXXX, Ive contacted Citi via chat regarding this issue, and each time they told me to wait another billing cycle for the credit to hit, but I still havent gotten the credit yet. I also made additional Best Buy purchases in XXXX, but none of those have credited either.

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