vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: TX

Complaint narrative:
Subject : Predatory Lending, Unfair/Deceptive Practices, and Illegal Rent-a-Tribe Scheme Company : Uprova Credit , LLC XXXX XXXX XXXX of XXXX XXXX XXXX I am filing a formal complaint against Uprova Credit , LLC , an entity operating under the guise of the XXXX XXXX of XXXX XXXX XXXX I am a resident of Texas, and Uprova has engaged in predatory lending practices by issuing an illegal, usurious installment loan to me over the internet. On or around XX/XX/year>, I was issued a loan with a principal amount of {$2400.00}. The Truth in Lending Act ( TILA ) disclosures provided by Uprova state an Annual Percentage Rate ( APR ) of XXXX XXXX The payment schedule demands XXXX bi-weekly payments ( XXXX payments of {$320.00} and one final payment of {$320.00} ) beginning on XX/XX/year>. If paid to term, the finance charges alone will total {$4100.00}, bringing my XXXX of Payments to an exorbitant {$6500.00}. Uprova is operating a classic " rent-a-tribe '' scheme. They are utilizing tribal sovereign immunity as a shield to systematically bypass state-level consumer protection laws and usury caps. The loan agreement explicitly claims that the laws of the XXXX XXXX XXXX XXXX XXXX supersede my state laws and attempts to strip me of my rights to a jury trial or class action participation through a forced tribal arbitration clause. I am requesting that the CFPB investigate Uprova Credit , LLC for deceptive lending practices and assist in voiding the usurious interest applied 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: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
- so I wrote out my " Dispute '' clearly and requested to know the status of my original dispute from the XXXX of XX/XX/2026, and I still " Did Not Hear Anything '' from Chime, so I then emailed them stating that the were not leaving me any options but to file a greivance against Chime for not ahearing to regulations set fourth by banking. They then, without any communication by phone, email, or hardcopy United States Mail, issued a {$20.00} credit. I still have yet to hear anything from Chime. I filed a Regulation E dispute with Chime on XX/XX/2026, for multiple unauthorized transactions. Chime has not completed the investigation within the required XXXX business days and has not issued a full provisional credit. They only sent me {$20.00}, which does not cover the disputed amounts. I have not received any written explanation or determination. This violates 12 CFR 1005.11. I am requesting full provisional credit and a complete investigation as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: College Ave Student Loan Servicing, LLC
State: MD

Complaint narrative:
I am a 'Post-Class ' member of the XXXX v. XXXX XXXX XXXX XXXX federal class action settlement ( XXXX XXXX. XXXX ) regarding my attendance at XXXX XXXXXXXX University. This school is listed in 'Exhibit C ' of the settlement as having presumptive indicators of school misconduct and fraud. On XX/XX/year>, the Department of Education missed the court-ordered deadline to adjudicate my Borrower Defense claim ( App # [ Insert App Number ] ). Per the settlement terms, I am now entitled to full settlement relief, including a full discharge and credit repair. Despite this, the private lender, College Ave, continues to report a XXXX delinquency on my credit report and is engaging in aggressive collection activity through the school 's representatives. I have formally notified College Ave of my defense to repayment under the FTC Holder Rule ( 16 C.F.R. Part 433 ), which makes the holder of the note liable for the misconduct of the seller ( the school ). The company has failed to pause collections, failed to provide an administrative forbearance, and is currently furnishing inaccurate information to credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and the Maryland Student Loan Borrowers Bill of Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
An FCRA violation occurs when the Fair Credit Reporting Act is not followed, which is a federal law designed to protect consumers and ensure that credit information is reported fairly and accurately. By law, consumer reporting agencies are required to use reasonable procedures to make sure the information they report is completely accurate. When inaccurate or unverifiable information is reported and causes harm to a consumer, the law allows that consumer to pursue legal action and recover damages, including statutory damages and attorneys fees. The accounts referenced in my letter are not accurate, not fully verified, and do not meet the standards required under the FCRA. I am demanding a full and thorough investigation and the immediate removal of any information that can not be proven 100 % accurate.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint regarding the inaccurate and unverifiable reporting of an alleged collection account by LVNV Funding LLC on my credit report. LVNV Funding LLC is currently reporting a derogatory collection account on my consumer credit file. I dispute the accuracy and validity of this account and have requested proper validation of the alleged debt. However, LVNV Funding continues to report this account without providing competent documentary evidence demonstrating that the debt is valid, accurate, or legally enforceable. LVNV Funding LLC is a debt purchaser and has not provided documentation establishing a contractual relationship between myself and their company. Additionally, they have failed to provide proof of assignment or chain of title demonstrating that they legally acquired the alleged debt from the original creditor. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), furnishers of information must ensure the maximum possible accuracy of information reported to consumer reporting agencies. Furthermore, under 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable investigation when a consumer disputes the accuracy of information being reported. In addition, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must provide proper validation of the alleged debt upon request, including documentation supporting the existence and amount of the debt. To date, LVNV Funding has failed to provide : A copy of the original signed agreement establishing the debt Account-level billing statements showing how the balance was calculated Documentation proving a lawful assignment or chain of title from the original creditor to LVNV Funding Evidence that LVNV Funding has legal authority to collect the alleged debt Despite the absence of proper validation, LVNV Funding continues to report this account as a derogatory collection account, which is damaging my credit profile and financial standing. Because LVNV Funding has not provided competent documentary evidence supporting the accuracy and ownership of this alleged debt, the continued reporting of this account may constitute violations of federal consumer protection laws. Therefore, I respectfully request that the CFPB require LVNV Funding LLC to do the following : 1 . Provide full documentation validating the alleged debt and demonstrating legal ownership of the account ; or 2. Immediately delete the account from all consumer credit reporting agencies if proper validation can not be provided. If LVNV Funding can not produce documentation proving the existence, accuracy, and legal enforceability of the alleged debt, the account must be permanently removed from my credit reports. I request that this matter be investigated and that LVNV Funding comply with all applicable federal 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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
Consumer : XXXX XXXX XXXX ( XXXX XXXXXXXX ) Incident Date : XX/XX/XXXX Transaction : {$150.00} Unauthorized " Card Back '' Reversal I am reporting an unauthorized withdrawal of {$150.00} from my bank account by Cash App ( Block , Inc. ) today, XX/XX/XXXX. This was a " card back '' reversal for a transaction originally settled on XX/XX/XXXX, from sender XXXX XXXX. Cash App retroactively reversed a settled transaction funded by a cash balance, causing a negative balance. They then initiated an unauthorized pull from my private bank account to cover this debt. When I filed a formal Regulation E Notice of Error with Cash App today, they refused to investigate, claiming a " final outcome '' within minutes of my report. This is a direct violation of federal law and the XX/XX/XXXX CFPB XXXX Order ( XXXX ) regarding Cash Apps failure to properly handle disputes. I am seeking a full refund of the {$150.00}

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 — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Contacted XXXX XXXX first to try to resolve the interest rate and extra charges accrued. No luck. Asked to have a car payment moved to the end of my loan as a courtesy since I was being charged a month 's car payment total in interest from late payments. I attempted to get out of the loan originally but the XXXX person stopped answering my calls. I tried calling months later and found out my car XXXX quit. ( XXXX XXXX ) I reached back out to the XXXX XXXX to attempt to give me other options, as they advertised in their emails and texts I received but none of their XXXX provided any other options for me. Currently, they show {$120.00} owed for additional fees and almost {$3000.00} total balance owed currently. I have been paying what I can without taking away from my XXXX XXXX and myself, in regards to everyday expenses. I feel like I have no way out of this loan, which I got for my XXXX but he changed his mind about taking over the payments, after I bought the vehicle in XXXX of XXXX. The vehicle is currently under water, so no one will buy the vehicle because I owe more than it is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Spring Oaks Capital is attempting to collect a debt from me even though my only income is protected XXXX income ( XXXX ). I sent the company a certified letters dated XX/XX/XXXX and XXXX XXXX notifying them of my protected income status and requesting that they cease collection activity and close the account. Along with that letter, I also provided a redacted copy of my XXXX benefit award letter as proof of protected income. The letter was delivered, but the company has not removed the collection or confirmed that the account has been closed. Additionally, the original creditor has already removed and closed the account, yet Spring Oaks Capital continues collection activity. After receiving my notice and proof of protected income, the company has continued to send emails offering payment plans and requesting payment, which indicates continued collection attempts. Because my income is protected from garnishment under federal law, continued collection efforts after being notified may constitute unfair or abusive practices under the Fair Debt Collection Practices Act. I am requesting that Spring Oaks Capital cease all collection activity, close the account, remove the collection from all credit reporting agencies, and provide written confirmation that the account has been permanently closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America charged me monthly maintenance fees of about {$12.00} per month on my XXXX Banking account from XX/XX/XXXX through XX/XX/XXXX, totaling approximately {$120.00}. I did not discover these charges until XX/XX/XXXX. The fee condition Bank of America is relying on was not included in the account-opening documents I signed. I reviewed my signed documents again, and they do not contain the minimum balance requirement or the later change the bank appears to be enforcing. I also understand there was a change made in XX/XX/XXXX, but I received no notice of that change by mail, email, letter, or any other formal or informal communication. When I contacted Bank of America, it was unable to show that notice had been provided and unable to provide a copy of the documents it claims I signed. I do have my own copies, and they do not contain this information. It is unfair to charge recurring fees based on terms that were not disclosed in the signed agreement and were later changed without proper notice. I am requesting a refund of all maintenance fees charged from XX/XX/XXXX through XX/XX/XXXX and a written explanation identifying the exact signed document and exact notice Bank of America claims authorized these charges.

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: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: IA

Complaint narrative:
I have contacted the company several times over the past few years regarding the affordability of my loan payments. During this time, I have consistently made my payments on time, with the exception of this month when I had to delay a payment due to my spouse losing his job. Even when both of us were employed, I have relied on the companys rate reduction program for years in order to afford the monthly payments. Currently, the lowest monthly payment the company has offered me is {$1100.00}. With my husband now unemployed, I explained my financial hardship and requested any available reduction, temporary relief, or payment delay. However, the only option offered to me was the same rate I am currently paying. I have had these loans since approximately XXXX, and despite years of payments, the current balance is now more than double the original loan amount. Without the rate reduction program, the interest rates are extremely high, and it feels impossible for me to make meaningful progress toward paying off the loan. When I raised this concern with the company, I was told that the rate is steadily declining, but this has not improved the affordability of the payments. At present, my household is relying on a single income while I support my husband and our five-year-old child. Until my husband is able to find employment again, I can not reasonably afford this payment. I earn too much to qualify for state assistance but not enough to cover all of our household expenses, and my husband is not receiving unemployment benefits. I am making every effort to remain responsible and continue paying this loan, particularly because I do not want to negatively impact my co-signer. However, I feel that the company has been unwilling to offer meaningful assistance during this financial hardship, and the current payment structure feels unsustainable. I am requesting a reasonable temporary hardship accommodation, such as a reduced payment, deferment, or other relief, until my household income stabilizes.

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 is not yours
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint because a fraudulent account was opened in my name without my knowledge or authorization. I did not apply for, open, or benefit from this account. This account is appearing on my credit report and is negatively affecting my credit. I believe I am a victim of identity theft or fraud. I have disputed this account with the credit bureaus and/or the company reporting the account, but the issue has not been resolved. I am requesting that this account be investigated and permanently removed from my credit report. Please require the company reporting this account to provide proof that I authorized or opened this account. If they can not provide valid documentation with my signature or verified authorization, I request that the account be deleted immediately. Thank you for your assistance in resolving this matter.

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: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: VA

Complaint narrative:
Case # XXXX for XXXX XXXX. My XXXX back payment is being withheld by Direct Express due to alleged fraud. I have submitted identity verification documents multiple times, but the contractor managing the card continues to reject them and my benefits remain inaccessible. I am requesting assistance to resolve this payment access issue and to open a case regarding the withheld funds. I have done everything possible on my end with no resolution over several weeks from Direct Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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:
I financed a XXXX procedure through CareCredit issued by Synchrony Bank in XXXX. The procedure was never fully completed and the provider billed CareCredit for devices and services that I never received. The provider never corrected the invoice or refunded the account despite the incomplete treatment. I never made a single payment on this account because the services were not delivered as agreed. Synchrony Bank is currently reporting a {$21000.00} charge-off on my credit report. I disputed this account previously, but Synchrony verified the reporting without providing documentation proving that the services and devices were delivered or that the balance being reported is accurate. Additionally, the reported balance exceeds the original credit limit ( {$17000.00} ) by more than {$4000.00}, and no itemized accounting has been provided showing how the balance increased to {$21000.00} or why it is showing I have made payments I have NEVER made. Under the Fair Credit Reporting Act, information reported to consumer reporting agencies must be accurate and verifiable. I am requesting that Synchrony Bank provide : The itemized merchant invoice submitted for this procedure Documentation showing the services and devices were actually delivered A complete itemized accounting explaining how the reported balance exceeds the original credit limit The signed credit agreement and transaction authorization Photos of the completed work. If Synchrony Bank can not provide documentation verifying the accuracy of the charges and balance, I request removal of this account from my credit reports and the correction to be reported to all three credit bureaus immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
I am filing this complaint regarding a {$590.00} transaction made using my virtual debit card through Current. I noticed the transaction and immediately reported it to Current as unauthorized and requested that the charge be disputed. Current opened an investigation into the disputed transaction. After some time, I received a notice stating that the investigation had been completed and that the transaction was determined to be authorized, and my dispute was denied. However, I did not authorize this {$590.00} transaction and I believe the investigation was inadequate. I requested information and documentation explaining how the determination was made that the transaction was authorized, including what evidence was used in the investigation. I was not provided meaningful documentation supporting their conclusion. Because this involves an unauthorized electronic fund transfer using a debit card, I believe the matter should be reviewed under the Electronic Fund Transfer Act and Regulation E. I am requesting that the financial institution review this case again and conduct a proper investigation of the disputed transaction. Also I am formally requesting that the financial institution provide the documentation used in its investigation as required under Regulation E. If the institution can not demonstrate that this electronic fund transfer was authorized by me, I request that the {$590.00} be refunded to my account. If necessary, I am requesting that the dispute be reopened and reviewed again in accordance with the requirements of the Electronic Fund Transfer Act.

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 — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XX/XX/year>, a wire transfer of {$2000.00} was mistakenly sent to my Chase checking account. My account type does not accept incoming wire transfers. The bank expected me to pay this amount, even though I never received the funds. After this, I attempted to open a new checking account. Initially, I was told I could open it immediately, but the bank later closed my account and refused to complete an investigation or allow me to open a new account, without providing an explanation.

Company response to consumer: Closed with explanation