vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WESTERN ALLIANCE BANCORPORATION
State: MI

Complaint narrative:
I was a class action member of XXXX data breach. They said they tried to send money via XXXX, but it was not accepted. My XXXX has been the same for 7 years. I filled out a second chance form on XX/XX/year>. They said after XX/XX/year> they would disburse. Now they have no info on when money will be sent. They have a different story each time you call. I actually believe they could be a class action suit. This has happened to tens of thousands of people with hundreds of thousands of $ $ uncollected, because they are the disbursement company for many, many class actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I leased a new XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX ( Massachusetts ) on XX/XX/XXXX, financed through GM Financial ( XXXX XXXX XXXX ). I was required by the dealer to provide a {$1000.00} down payment, which I was told was required for approval. I later learned this was false lease approval does not require a down payment, and this was a deceptive sales tactic used to make an overpriced lease appear affordable.

The dealer also misrepresented that the vehicle price could not be reduced, despite XXXX offering substantial dealer incentives at the time. As a result, the vehicle was leased at or near full MSRP, dramatically inflating both my monthly payment and the lease buyout.

After the lease began, GM Financial has been charging excise taxes and other fees to my account after my payments post, which makes it impossible to zero out the balance. These retroactive fees have caused my account to appear late even when I paid the full amount that was billed. GM Financial then reported these fee-driven balances as late payments to the credit bureaus, which is inaccurate and misleading.

This practice artificially creates delinquencies and damages my credit despite my paying as agreed.

When I requested a lease buyout, GM Financial quoted me {$37000.00}, which includes all future lease payments and rent charges. This makes it impossible to refinance or sell the vehicle because the cars actual market value is approximately {$27000.00} {$31000.00}. The dealer inflated the price at origination, and GM Financial is now enforcing a payoff that locks me into negative equity that I did not knowingly agree to.

This is an abusive and deceptive lending structure that traps consumers in long-term financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, I initiated a transfer of funds in the amount of {$320.00} from my bank account to my XXXX  account. XXXX  debited my bank account twice for what should have been a single transfer. 

As a result of the duplicate debit, my checking account was overdrawn and I incurred an overdraft fee of {$35.00}. Both transactions were initiated by XXXX  and are showing as completed/final on my banks end, meaning my bank is unable to stop or reverse the payments. 

Despite this, XXXX continues to show the transfers as in process, and my funds remain unavailable. I have contacted XXXX  customer support multiple times and was disconnected several times before finally reaching a representative. I was told XXXX  did not make an error, despite clear evidence of a duplicate debit. 

My bank has confirmed that XXXX initiated both debits and that the issue must be resolved by XXXX. XXXX failure to correct the duplicate debit, release my funds, and reimburse the overdraft fee has caused financial harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
My student loans are apart of the XXXX vs XXXX, XXXX XXXX Lawsuit. I received notification that my application was approved as a member of class group XXXX and that my loans would be XXXX. I have received a full XXXX and now my current balances have been in the negative with the lender Aidvantage since XX/XX/year>. I would like to receive info on the total refund amount I am owed ( XXXX ) as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In 2021 I contacted capital one bank due to my name being used for services without my consent. After they closed all accounts that were fraudulently opened and removed them from my credit file. Contacted them today regarding a checking account and they advised they were unable to give me an account due to them ending the banking relationship in 2021. The agent didnt know why they ended banking relationship but advised they spoke with me on the same phone number in 2021. This is unfair I was a victim of fraud and deserve a reason of why the banking relationship ended. Capital one was not very efficient in there investigation to this matter and still has not gave me a reason for the ending of banking relationship. Ive never had any account with capital one bank so I would like to know why this relationship was ended and was my fraud claim properly handled

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX regarding a denied dispute for a {$100.00} transaction ( XXXX XXXX ). On XX/XX/XXXX, my vehicle was illegally booted by XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, TX. I was a legal patron of the establishment at the time ( evidence attached ). This booting was a direct violation of Texas Occupations Code 2308. I was forced to pay {$100.00} under extreme duress to release my property.

I provided Branch with exhaustive evidence, including photos of the legal parking signs, my presence at the bar, and the operator 's ID ( XXXX XXXX ). Despite this, XXXX XXXX ( XXXX ) denied my claim on XX/XX/XXXX, failing to conduct a proper investigation or follow state law protections. I request a full refund of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-01-12 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: Block, Inc.
State: TX

Complaint narrative:
I used XXXX ( Buy Now, Pay Later ) to pay for a {$200.00} purchase from XXXX. XXXX processed a partial refund of {$48.00}, which XXXX confirmed via email would be returned to my original payment method, stating : Were refunding + {$48.00} back to your original payment method it may take up to 10 days.

My original and primary payment method on my XXXX account is my XXXX debit card. While making installment payments, my XXXX card experienced temporary issues, so I attempted to complete remaining payments using my husbands card as one-time payments only. His card was never linked, never saved, and not in my name.

After waiting more than 10 days, the refund did not appear on my XXXX account. I contacted XXXX, which confirmed they never received the refund. I then discovered that XXXX had sent the refund on XX/XX/year> to my husbands card without any notification to me. 

I contacted XXXX multiple times and escalated the issue to a manager. XXXX acknowledged that the refund was sent to a card not owned by me and that I do not have access to, but refused to correct the error. The manager stated that the refund process and policy disclosures were incomplete and advised me to resolve the issue directly with the card owner instead. 

XXXX  written communications and published policy state that refunds are returned to the original payment method or payment method on file. XXXX nevertheless routed my refund to a third-party card without notice or consent and is refusing to remediate the misdirected funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: FL

Complaint narrative:
In 1 transaction {$50.00} was transferred to an chime account to a person that I don't know and then {$1.00} was transferred to a XXXX XXXX  Account that I don't know then {$300.00} was transferred out of my savings account to the checking account and then transferred to the same XXXX XXXX Account that I do not know I've disputed it 7 times given more information each time but they kept closing the Dispute before I could finish giving them all the information and I have shown them that 2 different XXXX phones accessed my account and it wasn't me and they said that they did not see anything wrong with the transfers but clearly they are not even looking for the fraud cause it is blatant easy to see i have all kinds of proof but chime just doesn't want to cover fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery is a collection agency that started the process to garnish my check. They sent me an email on XX/XX/XXXX stating that I could settle it for XXXX instead of garnishing my check for the XXXX. On XX/XX/XXXX I paid that amount they informed me over the phone that it would take about 2 weeks to do a court order to stop the garnishment. As of XX/XX/XXXX they were still garnishing my check. This is the worst process after they sent me the settlement they informed me that they didn't mean to send it to me but I had already paid a rep and they still have both payments which is more than what I owed at this time. This has caused more pain and suffering because I was trying not to get garnished and still ended up being garnished. I have called multiple times to this company and no one has an answer for me. The only thing they had to do was file with the courts showing it was completed they didn't do that until XX/XX/XXXX I am requesting my money back. I think that this was unfair and it was not a settlement if I paid for that +being garnished from my job every 2 weeks. This is pain and suffering I am barely making it. I really didn't have the funds to pay it up front and still get garnished. As of today 's date XX/XX/XXXX they still have not send anything to XXXX XXXX XXXX ( the company I work for ) nor XXXX ( the third party payroll that's holding the funds ) to show that the funds need to be released ) i have called the company multiple times for assistance I even gave them an email that XXXX  stated that portfolio recovery to send to them stating that the XXXX needs to be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
As requested, below are key points outlining my issue with Capital One : The Current Balance shown on my account was not accurate. I paid {$5300.00} on XX/XX/XXXX, and Capital One added an additional {$90.00} five days later, after the payment was made.

I paid the full Current Balance displayed at the time and subsequently closed the credit card account. Neither the application nor Capital One advised me of any additional pending fees.

As a customer, I closed the account based on the stated balance. Customer Service later told me I needed to speak to another agent regarding my current balance, which contradicted the information I relied upon.

Capital One does not provide an email contactonly phone callsleaving no clear written method to resolve disputes.

I appealed the additional charges, made multiple calls to Capital One, and sent an email to the CEO.

I clearly advised Capital One that I wished to appeal the additional charges. I was told there is no appeal process and that the charges are considered good charges, which I dispute based on the stated Current Balance.

I repeatedly informed Capital One that I was escalating the matter due to their responses.

Capital One is now charging late fees and additional fees related to this disputed amount.

Recently I spoke with an agent and advised that I would pay the {$90.00} in dispute ; however, I refused to pay the added fees since Capital One was fully aware of the situation. I was again told that all fees are good charges.

Thank you for your time and attention. I am fighting not only for myself, but for people who can not fight or do not know how. As a customer, when you make a purchase and pay the stated balance, the vendor does not come back five days later asking for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Issue : Mishandling of forbearance request, unauthorized enrollment in a trial repayment plan, repeated misinformation from representatives, and failure to resolve the issue after multiple calls. 

Summary of Events : XX/XX/XXXX : I called Mr. Cooper to request a new forbearance plan because my current plan was ending. I spoke with XXXX ( ID # XXXX ). She told me she could not start the new plan because I had been automatically enrolled in a trial repayment plan. 

I was never notified of this plan. 

My original forbearance paperwork stated I would be contacted about my options at the end of the plan, but no one contacted me. 

I am still unemployed, so a trial repayment plan was not appropriate. 

XXXX said she would have the trial plan removed and told me I was approved for a new 3month forbearance plan. I never received any paperwork. 

XX/XX/XXXX : I called again because I had not received anything. I was told no new plan had been initiated. I escalated and spoke with XXXX ( ID # XXXX ). 

He confirmed the previous issues. 

He said XXXX did not explain things correctly. 

He assured me I would receive a confirmation call in 35 business days and that my concerns would be addressed. 

XX/XX/XXXX : I received a call from XXXX ( ID # XXXX ), my designated loan rep. I believed this was the promised confirmation call, but instead she told me : No new forbearance plan had been initiated. 

XXXX had attempted to extend my old plan instead of starting a new one. 

My account still showed the trial repayment plan, preventing any new forbearance request. 

She attempted to fix it but said she could not proceed until a manager removed the trial plan the same issue I was told was resolved weeks earlier. 

As of XX/XX/XXXX, the issue is still unresolved. 

Concerns : Unauthorized enrollment in a trial repayment plan Failure to notify me as required Conflicting information from three different representatives Repeated assurances that were not fulfilled Delays caused entirely by internal errors Evidence of inadequate training and oversight Requested Resolution : Remove the incorrect trial repayment plan from my account. 

Approve a new forbearance plan based on my unemployment status. 

Provide written confirmation of the new plan. 

Provide a written explanation of why I was enrolled in a trial plan without notification. 

Ensure the mishandling by multiple representatives is reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Today, XX/XX/XXXX, I received a response from Ally Bank regarding my complaint, but I completely don't understand what the bank 's response means. First, I have received a refund of {$1000.00}, but I have not yet received the refund of {$1000.00}. The response states that a refund of {$1000.00} was received in my checking account on XX/XX/XXXX, and that this amount was deposited via XXXX. However, this money was clearly deposited via XXXX on XX/XX/XXXX. I don't understand what Ally Bank is trying to say ; there was no deposit made via XXXX on XX/XX/XXXX. Ally Bank even got the date wrong. Why is this bank so disorganized? I received an email reply from XXXX on XX/XX/XXXX, stating that they had submitted a refund request to Ally Bank, but as of today, I still have not received the refund. My money has been frozen by Ally Bank, and they have been delaying the refund. They are shifting the blame to others and refusing to acknowledge that the root of all these problems lies with Ally Bank. Finally, Ally Bank did not explain how the remaining dollars will be handled. This remaining amount resulted from multiple transactions and can not be refunded by contacting the original financial institution. Ally Bank is ignoring this, and I have to suspect that they have misappropriated customer funds. Also, my complaint is not a duplicate complaint. Please handle this matter immediately and refund my money 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