vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Prosper Marketplace, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, Prosper Marketplace discovered a data breach affecting XXXX XXXX consumers. The California Attorney General confirmed the breach on XX/XX/XXXX. My Social Security number, bank account data, income information, and other personal data were exposed. I was an applicant as shown by adverse action notices from XXXX. I was never notified by XXXX. On XX/XX/XXXX, I discovered the breach through XXXX an independent thirdparty service. I immediately filed complaints with the Colorado Attorney General and with the CFPB ( Complaint # XXXX ). On XX/XX/XXXX, Prosper sent me a marketing email offering a credit card. This email proves XXXX had my active, correct email address ( XXXX ) and used it for commercial purposes. They never used that same address to notify me of the breach. On XX/XX/XXXX, Prosper responded to my CFPB complaint claiming : " Prosper 's investigation confirmed that a notification email was sent to the email address listed in this complaint on XX/XX/XXXX. Prosper 's records indicate that this email was not opened. '' This claim is false. Prosper has provided NO verifiable evidence : no email logs, no metadata, no SMTP delivery confirmation, no timestamp, no screenshot, no recipient address confirmation. I have saved every email from XXXX since XXXX. My records show adverse action emails from XXXX and the XX/XX/XXXX marketing email. I have NO email from Prosper on XX/XX/XXXX not in inbox, spam, junk, or any folder. A screenshot of my email search is attached. XXXX 's false statement to the CFPB violates 18 U.S.C. 1001 ( making a materially false statement to a federal agency ). This is not a civil dispute it is a federal crime. This false statement caused me concrete financial injury. The breach and Prosper 's failure to notify contributed to an unauthorized freeze on my XXXX credit file ( due to identity theft concerns ). That freeze directly blocked me from credit : on XX/XX/XXXX, XXXX refused to process my application explicitly citing the freeze. On XX/XX/XXXX, XXXX denied my loan application citing the chargeoff on my credit report. Both denial letters are attached. XXXX 's lie is part of a chain of willful misconduct that cost me real money and real credit access. The CFPB closed my previous complaint ( # XXXX ) without requiring XXXX to produce any evidence. That closure was premature and harmed me. This complaint must remain open until Prosper provides verifiable proof of their alleged email or admits they can not.

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 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
The dates and amounts in the latest disputes are included in the attached documents below. I've had ongoing issues with fraud on my Fifth Third Able Checking account. So far, even without having an activated debit card, the fraudster merchant managed to take money out of my XXXX Fifth Third Bank account and provided my stolen information to the Bank which they accepted, to prove I made the purchases, which is false and there is no evidence of these purchases on the third party account ( s ) of mine although they have been posted to my account. How they are managing to pull money out of my account without debit card information being activated is beyond me and speaks to the lack of security of this bank as well as something incredibly insecure going on. Now their decision to not return the dispute credits to my account has resulted in almost hundreds of dollars being lost from my account. I am XXXX. I live on a fixed income. I can not deal with this and it's unconscionable that both Fifth Third Bank and Colorado XXXX are not helping me deal with this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources
State: GA

Complaint narrative:
I am formally disputing inaccurate and unauthorized information appearing on my consumer credit file. Specifically, my report contains multiple hard inquiries that I did not authorize and for which no permissible purpose has been provided as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I am requesting that each credit bureau provide documented proof of authorization, including any application bearing my signature. If such documentation can not be produced, these inquiries must be deleted immediately. Additionally, my credit report reflects collection accounts that are inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of all disputed information. Case law, including XXXX v. Trans Union Corp. ( XXXX ) and XXXX v. BEH-1, LLC ( XXXX ), establishes that credit reporting agencies must go beyond superficial or automated verification methods. I am requesting full validation of these accounts, including signed agreements, complete payment histories, and documentation establishing the chain of assignment from the original creditor. If this information can not be properly verified, these accounts must be deleted from my credit file. Failure to comply with these federal requirements will result in formal complaints being filed with the Consumer Financial Protection Bureau and the Federal Trade Commission, as well as potential legal action. I expect a timely response in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Tower Loan of Cleveland, MS . On XX/XX/year>, a representative from this company came to my home and taped a letter to my door. The envelope clearly displayed my full name and address and was visible to the public. This action exposed my personal information and potentially my debt status to neighbors and anyone passing by. I believe this is a violation of my privacy and may be a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits public disclosure of debt information. I did not give permission for home visits or for my information to be displayed publicly in this manner.

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 2026-04-26 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I dont know if this is the correct place to submit this information, but I cant seem to get anything resolved or taken care of with the fraudulent attempts to open a PayPal Credit account through Synchrony Bank ! I have received XXXX letters from Synchrony Bank about a request to open a PayPal Credit account. XXXX letter in XXXX, XXXX. Another letter in XXXX, XXXX. Just received another letter in XXXX, XXXX. Each time, the request was denied. Whoever is trying to open the account, they are using my maiden name and my current mailing address. I have contacted Synchrony Bank XXXX Department each time. I have submitted report at IdentityTheft.gov each time. I have contacted XXXX XXXX XXXX. Is there a department that actually handles these types of criminal attempts and can find out the who, where, etc.? I have done everything that I believe that I can do and nothing is getting resolved. Thank you for any assistance with 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 non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX Care credit, charging very high interest rate after the XXXX months promotion ends, not notifying customer about this rates. Contact them few times to remove interest rate amount and offer them to pay in full statement balance care credit was refused to take offer

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 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am filing a complaint regarding incorrect and unclear balance calculations on my Robinhood credit card account. In the XX/XX/year> billing cycle, my statement showed {$3500.00} in purchases. I made a payment of {$3500.00} on XX/XX/year> to pay the statement in full and avoid interest. At that time, there was an active dispute of {$630.00} ( XXXX transaction ), which the statement indicated was not required to be paid. A separate refund of {$500.00} was also issued shortly after. On XX/XX/year>, I made a payment of {$2300.00}, which reflects the expected reduction of the XXXX balance after accounting for the {$630.00} dispute credit and the {$500.00} refund. In the next billing cycle ( XX/XX/year> ), my new spending was {$1700.00}. However, my live balance later reflected {$2900.00}, which equals : {$1700.00} ( XXXX spending ) * {$630.00} ( dispute credit ) * {$500.00} ( refund ) This suggests the dispute credit and refund may have been applied to the statement or payment calculation, but not properly reflected in the running ( live ) account balance. To avoid interest, I paid {$2900.00} in full on XX/XX/year>. Based on my understanding, this resulted in an overpayment because those credits should have already reduced my balance. I contacted Robinhood multiple times ( Case IDs : XXXX and XXXX ), but their responses have been inconsistent and do not clearly explain how my balance was calculated. I am requesting a full and detailed reconciliation of my account, including : * When the {$630.00} dispute credit was applied * When the {$500.00} refund was applied * How each payment was applied to my balance * Why my balance appears to include these credits again in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX XXXX and I am submitting this complaint regarding late payment notations reported by THD/CBNA ( Citibank ) on my Home Depot credit card account for XXXX, XXXX, and XX/XX/year>. The late payments occurred in part due to a significant design flaw in the Home Depot mobile application. The Home Depot app, which I used to manage my account, does not display account balances, minimum payments due, or payment due dates. It does not notify cardholders of outstanding balances or upcoming due dates. The app directs users to a completely separate Citibank portal to make payments which is a disconnect that is not clearly communicated to cardholders and that I believe constitutes a misleading and confusing billing practice under the Consumer Financial Protection Act. As an XXXX XXXX XXXX experiencing heightened operational demands during this period due to developing geopolitical circumstances, I was relying on the Home Depot app to alert me to any balance owed. Because the app showed no balance and sent no payment reminders, I was unaware a payment was due. Upon discovering the delinquency, I paid the account in full immediately on XX/XX/year>. I have since submitted a goodwill letter to THD/CBNA requesting removal of the late payment notations. I am filing this CFPB complaint to document the inadequate disclosure practices of the Home Depot/Citibank app ecosystem, and to formally request that Citibank review and remove the derogatory notations from my credit report as a result of a billing communication failure on their part.

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 2026-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
Complaint Summary This lease transaction was induced by material false disclosures at consummation, including but not limited to the representation of a non-taxable monthly charge that does not exist in the dealers own lease worksheet and was in fact capitalized and taxed. Because the required lease disclosures were false at the time of signing : There was no informed assent The transaction was never lawfully consummated The lease is void ab initio All charges derived from it are unenforceable I request regulatory review of both the lease disclosures and the handling of my related billing dispute. Facts On XX/XX/XXXX, I entered into a motor vehicle lease for a XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After obtaining the lease worksheet and related records, I discovered material inconsistencies between : The advertised lease terms The signed lease contract The lease worksheet The dealers later written explanation of charges Most notably, the dealer represented a monthly non-taxable charge. However, the worksheet shows the underlying {$1500.00} amount was capitalized into the lease and taxed. No separate non-taxable item appears in the worksheet. This indicates that key payment disclosures were false or misleading at consummation. Additional Concerns Misrepresentation of payment composition Possible bait-and-switch variance between advertised and final terms Unauthorized or undisclosed add-on treatment Failure to provide clear and accurate disclosures before signing Improper handling of my billing dispute by the card issuer, which mischaracterized the dispute as a quality concern Harm I paid money based on inaccurate disclosures I entered a lease without accurate material terms I incurred ongoing financial obligations arising from a defective transaction My billing dispute rights were impaired Requested Relief I request that the CFPB : Investigate the consumer-finance aspects of this transaction Review the dispute handling by Synchrony Bank Require correction of any improper charges Require cessation of the enforcement of unlawful charges Ensure the correction of any adverse credit reporting Provide any additional relief authorized by law Supporting Documents, upon request, are as follows : Lease agreement Lease worksheet Dealer-written explanation Chargeback correspondence Demand letters and responses Attempts to settle the disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: LA

Complaint narrative:
PLAZA SERV is attempting to collect and report a debt that I do not recognize as mine. This account is being furnished to XXXX with damaging derogatory information, yet I have not been provided any signed agreement, itemized billing statement, proof of services, or documentation linking me to this alleged debt. I dispute responsibility for this account and request a full investigation. Continuing to report or collect without proper validation is unfair and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
On or about XX/XX/year>, I received a collection notice from XXXX XXXX XXXX for approximately {$3000.00} related to CashNet USA. I do not recognize this debt and believe it is inaccurate. I requested validation, including a signed agreement, full account history, and proof of ownership, but no sufficient documentation has been provided. This debt is being collected and may be reported without proper verification. I request a full investigation and removal if the debt can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have a PayPal account that was permanently limited after a review, and my funds were placed on hold. I was initially informed that the funds would be held for XXXX days, after which I would be able to withdraw them. However, after the XXXX-day period had passed, I was then informed that I would not be able to withdraw my funds at all. I have repeatedly contacted PayPal to request clarification and access to my funds, but I have not been provided with a clear explanation for the permanent limitation or the continued withholding of my balance. I have also not been given a valid reason or any evidence of a policy violation that would justify permanently keeping my funds. As of today, my funds remain inaccessible, and I am unable to withdraw or use the balance in my account. This has caused financial hardship and concern, as I relied on the initial representation that I would regain access after XXXX days. I am requesting that PayPal provide a clear explanation for their actions and immediately release my funds, as they have been held well beyond the stated timeframe without proper justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
My Cash App account was accessed and used to send XXXX unauthorized transfers that I did not approve or initiate. The total amount taken was {$2500.00}, sent in XXXX transactions of {$1500.00}, {$500.00}, and {$500.00} to a recipient I do not know. I did not authorize any of these payments. Once I noticed the transactions, I immediately contacted Cash App and filed a dispute/appeal explaining the situation. I even submitted an appeal after the initial review, but it was still denied without the funds being returned or a proper resolution. I am reporting this as an unauthorized access and fraudulent transaction issue and am requesting a full investigation and reimbursement of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I have been enrolled in and consistently paying for Avant 's XXXX XXXX program on my AvantCard account ending in XXXX ( Benefit Request # XXXX ). On XX/XX/year>, I was involuntarily terminated from my employment at XXXX XXXX XXXX XXXX XXXX. in XXXX, Texas a qualifying event under the XXXX XXXX program. I submitted my completed claim form on XX/XX/year> along with ALL required documentation including XXXX pay stubs from my employer, a Final Warning Letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/year> confirming my involuntary separation, my Texas XXXX XXXX determination letter, and proof of registration with a job placement agency. Despite providing every document required, Avant denied my claim without any valid written justification. On XX/XX/year>, I received an email from Avant notifying me that my account had been automatically unenrolled from XXXX XXXX. I immediately called Avant customer service and spoke with Agent XXXX XXXX who confirmed that my account had been placed on a short term payment plan that I DID NOT authorize, request, or consent to in any way. This unauthorized payment plan directly triggered my automatic unenrollment from XXXX XXXX under Avant 's own program terms. XXXX XXXX confirmed she would cancel the unauthorized plan under XXXX XXXX # XXXX. Avant denied my valid claim, then placed an unauthorized payment plan on my account without my consent, then used that unauthorized plan to unenroll me from the XXXX XXXX coverage I paid for all while my active claim remained unresolved. Avant 's own unenrollment notice confirms my claim is still valid within the XXXX window from my XX/XX/year> qualifying event. This is an unfair, deceptive, and abusive practice in direct violation of the Consumer Financial Protection Act UDAAP provisions.

Company response to consumer: Closed with explanation