vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I received a call from XXXX XXXX. the lady said my account was in recovery. if I could pay at least {$700.00} to get it out of recovery. I said I don't have {$700.00}. then she said what about {$500.00}. I said I don't have it. I can pay the following week on XX/XX/XXXX. I could pay {$400.00} the next XXXX weeks. she ask why I could not pay I said I had to pay rent. she said how often do I get paid I said weekly. she put in the notes that I will pay the next three weeks. she said I had to call back on XX/XX/XXXX to make a payment arrangement. I called XX/XX/XXXX, XXXX and XXXX no one answered I was on hold for 40 mins. I had to call on my lunch break they are not open on the weekend. they said they will listen to the phone call and get back to me on a decision. they called back and said that she said the car was in recovery. which was not true. they repo the car on XX/XX/XXXX the night before I was going to make a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
Hi, Im having trouble with the Kraken App, I used to be able to buy and sell XXXX through this app but now I can withdraw funds if I want. I had try to contact them, send emails and I cant get any answer or help I been having this problem all year during 2025.

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 2025-10-11 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: ADP Inc.
State: CA

Complaint narrative:
I purchased an item from XXXX which I returned and originally received a refund, however XXXX later I was charged again for the product, actually {$0.00} less than the original amount. I contacted XXXX and was told that they can confirm that the product was returned and no new product was purchased in the following days, and that i should contact my bank to file a dispute. I filed a dispute on XX/XX/XXXX with my bank Wisely by ADP. I was told i needed to wait to receive a confirmation letter before submitting proof of merchant fault and was told i would receive said letter by no later thank XX/XX/XXXX, and would need to respond if i wanted a provisional credit. I was calling to follow up on the XXXX and was told the case was denied, and that i needed to submit a handwritten letter if i wanted the case reopened which i did on XX/XX/XXXX. I didnt receive the confirmation letter until XX/XX/XXXX. Again by me following up I was told that the compliance team received the handwritten letter on XX/XX/XXXX, and case was reopened on XX/XX/XXXX by XXXX of the supervisors. I have called multiple times since and non of the agents have been able to confirm that the case was reopened. I spoke to another XXXX on XX/XX/XXXX who finally was able to find the case and was told he escalated the case and that i would hear from someone by XX/XX/XXXX to receive the provisional credit. I called back XXXX  times on the XXXX before someone was able to locate the reopening of the case, but was told there was no mention of a provisional credit, but that he escalated it again and to give them until the end of the day. Again no response has been received and I still have not received a reason on why the original claim was denied as of XX/XX/XXXX. This whole situation has caused severe financial hardship which i have been informing the dispute team every time XXXX  XXXX.I then contacted the merchant on XX/XX/XXXX due to being extremely frustrated and was told they see no reason why the claim would be denied, but they have not received any contact from my bank or its dispute team as of XX/XX/XXXX. XXXX not sure what is going on or why I have received such treatment and felt it only right to submit a complaint in hopes that this doesnt continue to happen to me and to others that bank with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
too many loans taking out in my name too much identity theft. Cant open a decent bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: MN

Complaint narrative:
Email sent to me by Simm Associates Inc. on XX/XX/year>. I responded by email and phone that the debt was not mine, but of a deceased family member. I inquired about the nature of the debt and what company it was from, only received a name via the original email. 

Email sent to me XX/XX/year> by Simm Associates Inc., again I responded by email and phone that the debt was not mine, but of a deceased family member. I was told my information was added to the file and I would not be contacted again. 

Email sent to me XX/XX/year> by Simm Associates Inc., yet again I responded by email and phone that the debt was not mine, but of a deceased family member. I was told my information was added to the file and I would not be contacted again. 

Email sent to me XX/XX/year> by Simm Associates Inc., responded by email that the debt was not mine. Did not call, yet as of XX/XX/year> evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Transform Credit Inc.
State: MO

Complaint narrative:
Applying for a home loan and this company Transform Credit XXXX  appears and that I owed them {$500.00}. I wasnt familiar with the company so I first contacted the company using the number provided XXXX and was unable to get any answers. I then contacted the XXXX and still made absolutely no sense. They went on about a co-signer for what? If I needed a co-signer for their business and didnt give them one why would they be reporting on my credit as me owing them money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
They are putting stuff on my credit even though I make payments to Care credit. I do not know this company that is putting things on my credit

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 2025-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: NJ

Complaint narrative:
I am writing to formally file a complaint concerning two failed XXXX transfers from my XXXX  account, resulting from what I believe to be misleading asset representation on your platform. 

On XX/XX/year>, I initiated two separate transfers of XXXX from XXXX  via the XXXX network to an external wallet. Only after the transactions failed did I learnthrough communication with your support teamthat the XXXX listed and traded on XXXX  is not XXXX  Bitcoin, but rather a wrapped version ( XXXX-wrapped XXXX ). This distinction was never clearly disclosed prior to or during the transfer process. 

As a result, my assets remain unrecoverable, causing both financial and emotional XXXX. The lack of transparency regarding the nature of the asset and its network compatibility represents a serious lapse in disclosure standards expected of a regulated exchange.

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 2025-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I was shopping for XXXX XXXX tickets for my birthday getaway in XXXX Colorado. I live in California and was looking to purchase game tickets for the XXXX XXXX XXXX XXXX XXXX on Sunday, XX/XX/XXXX. I found a private seller on XXXX Colorado who was selling 2 tickets together for {$330.00}.

I contacted the seller and spoke to him, he sent me a barcode for payment to be sent at my local XXXX. I went to XXXX on XX/XX/XXXX, provided barcode, showed ID, lady scanned barcode took {$330.00} cash and gave me receipts ar XXXX. I called seller and sent him screenshot of completed transaction. He said he would send tickets ...... He never did. The next day I called the customer service number on receipt that showed XXXX XXXX as the financial entity and told tgem about the fraud. I gave them the barcode # I was given and used at the XXXX the day before. The customer service rep said the barcode didn't match their barcode system. I asked to speak with fraud department, he said they would contact me in 24 hours. Next 2 days, no call. I called back over next 3 days, same game, even with 4 supervisors. Finally on Friday, XX/XX/XXXX, I got a young lady who had me send a copy of receipts to XXXX and gave me a case number XXXX. 
She said the fraud department would review and contact me. I got an email same day saying they can't help me ( they are the in receipt and distribution of my stolen funds since I did not receive the promised tickets that I purchased for {$330.00} ).

Here is their response.

Hello, Thank you for choosing XXXX XXXX. 



We have not been able to locate any XXXX XXXX transactions in our system for the barcode you provided.

You may have used the barcode from a third-party program, other than XXXX XXXX. 

The Merchants receipt may identify the transactions that use barcode as XXXX, because their system was configured that way since it's the most popular payment process. However, there are other companies providing this type of payment. 



Our barcode starts with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Sage LLC
State: IN

Complaint narrative:
I called the number to get information about a Debt to the direct company. I somehow ended up on the phone with credit sage. Mislead me into believing they were helping me with settling my debt with disputing but before any work was done on their behalf they charged my account close to XXXX dollars and apparently cant give me my refund and mislead me on the phone and when I called back to cancel since I have a three day period to cancel services they refused to give me that option and kept saying how they are going to get this taken care of and with another XXXX a month coming up so XX/XX/year> they will withdraw more money to continue the disputing services. I told the supervisor that I dont agree with their practices and I dont appreciate the misleading and kept going on about their services not being scam and a lot of people have better stories. But I read online they are scamming and a lot of people have had issues with getting money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
On XXXX XXXX  a debt collection amount was placed on my credit. I could not contact the collection company because there had been no contact information available on the credit report. XX/XX/year>XXXX  I called Advance America for mailed written proof of the debt, proof of permission to sell my information to any company, and contact of the collection company, neither information were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
What happened : I applied for XXXX XXXX relief and XXXX XXXX XXXX XXXX ( PSLF ) starting in XXXX. Each time I attempted to complete the XXXX XXXX application on XXXX, the system would not save my progress, forcing me to restart multiple times. 

XXXX misreported my loans as XXXX days past due, despite being in forbearance, and incorrectly applied late statuses to my account. As a result, my credit score dropped XXXX points overnight across XXXX, TransUnion, and XXXX. 

This sudden drop directly prevented me from accessing business funding, requiring a co-signer where none was previously needed. This blocked me from covering payroll and securing contracts. 

XXXX XXXXXXXX University and XXXX University misled me regarding program accreditation, employment outcomes, and degree validity. Tuition was paid under false pretenses, and the online portals were frequently non-functional, preventing verification of progress and completion. 

The total amount of affected student loans is {$110000.00}. I am seeking correction of my credit report, permanent removal of fraudulent loans, restoration of my credit score, and access to business funding.

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 non-monetary relief
Consumer complaint received 2025-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have came in contact with team of Coin base Global Inc. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XX/XX/year> for XXXX base part time job. In this they ask me to review few Places of XXXX on XXXX and get commission for the same. After few such review task they ask me to trade on XXXX base portal to earn commission. I have started XXXX XXXXXXXX and to get commission of XXXX XXXX After few task they have increase amount of capital to XXXX XXXX and this task. XXXX problem happen at the time of buying coins and to solve this problem people who were operating XXXX XXXX XXXX XXXX - Coinbase ask us to pay INR XXXX after that they have ask us to pay XXXX XXXXXXXX after this transaction again due to error i am unable to withdraw money. Again they have ask me to pay XXXX XXXXXXXX so i can get my money back. 

But they told due to system issue i am unable to get my money. Again they have ask me to pay XXXX XXXXXXXX that i have paid. After that at the time of withdrawal they ask me to pay Tax amount XXXX XXXXXXXX. 

But i have already borrowed too much money from market i was unable to pay this much again. So i have request them to please deduct tax from my balance amount and refund my money asap. But they denied and keep telling me and forcing me to pay XXXX XXXXXXXX to take my money back. 

Request you to please take necessary action and help me to get my money back asap. As i have to return the money to people from whom i have borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Done Right Inc
State: TX

Complaint narrative:
In XX/XX/year>, I engaged a credit repair company and entered into a written agreement under which the company represented that it would repair and restore my credit reports with all major credit bureaus. Pursuant to the contract, the company was obligated to perform services across multiple credit reporting agencies and deliver measurable results within a reasonable timeframe. 

After more than thirty ( 30 ) days, the company reported that it had addressed issues with only one credit bureau ( XXXX ) and failed to provide the promised services for the remaining bureaus. Instead of issuing a partial refund or completing the contracted work, the companys owner and chief executive officer falsely claimed that the agreement had only covered a single bureau restoration. This assertion was neither stated verbally nor reflected in the original written contract or any subsequent communication. 

The companys failure to perform the agreed-upon services constitutes a breach of contract and a potential violation of the Credit Repair Organizations Act ( CROA ), 15 U.S.C. 1679 et seq., which prohibits credit repair entities from making false or misleading representations regarding the services they provide. Furthermore, the companys conduct appears to involve deceptive and unfair business practices in violation of Section XXXX of the Federal Trade Commission Act ( 15 U.S.C. 45 ) and related Consumer Financial Protection Act provisions.

Despite repeated efforts over a six-month period to obtain a resolution, the company has failed to remedy its breach, provide a refund, or fulfill its contractual obligations. Publicly available consumer reports reveal multiple complaints alleging similar patterns of false advertising, misrepresentation of service scope, and failure to deliver promised results. This indicates a recurring deceptive scheme aimed at misleading consumers into paying for services not rendered. 

Given the repeated nature of these practices and the potential harm to consumers, I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this company for violations of federal and state consumer protection laws, including but not limited to misleading advertising, failure to perform contracted credit repair services, and deceptive trade practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I XXXX XXXX was a co signer of a lease from XXXX XXXX XXXX the lease was for 3 years the car was return after some months they say the balance of the lease was XXXX its showing on my credit as unpaid balance.i never received and paper work from this company I have affidavit that's states I am a co signer and I have no debit with car but it keep showing up on my credit. The signer of the truck and XXXX XXXX said that they resolved the issue but it is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
At first payments wouldnt post from my savings account and after several months I had attempted using my savings account as a payment method. The payment never went through. Then after some communication with ( XXXX ) the loan provider decided on using my debit card to make a payment. All of the sudden my savings account works and double the amount is taken out. As a provider they have been very shady and not transparent when it comes to services.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-11 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: FL

Complaint narrative:
I spent XXXX $ on the app XXXX around XX/XX/XXXX to take my dog to one of their private dog parks. For a day following this ( until i contacted them ), I received several transactions in my account all of which were unauthorized XXXX $ payments sent to sniffspot. I immediately contacted them and a day later they apologized and said it was a glitch. In total, XXXX $ had been taken from my account. I live paycheck to paycheck and my rent was due that same exact week. I had to pay a XXXX $ late fee because I couldnt make rent that week. I did receive a refund eventually and stopped using the app for a few months. On XX/XX/XXXX I tried XXXX again assuming this obviously terrible glitch had been patched, right? Wrong. I spent another XXXX $ for my dog but this time I took my money from that account so that they couldnt take anything even if they tried. SIX unauthorized attempts to take XXXX $ from my account, the seventh time I accidentally had put money in my account and they successfully stole an additional XXXX $ from me. I reached out to them and still have not received a response and Im officially done figuring things out with them.

Company response to consumer: Closed with explanation