vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: TX

Complaint narrative:
This organization deserves Zero. No star. Yamaha financed my XXXX I bought XX/XX/XXXX, First off, it took them nearly 5 months to get the registration right that I couldn't ride as I wanted. The XXXX kept popping up on systems as an XXXX XXXX. Now, I have also tried to pay off the finance, and whenever I call to do this, they just pass off my following payments and just apply my payments as regular one instead of applying it to the principal. On XX/XX/XXXX, I paid {$1000.00} separate from my due payments on the same day and specifically asked that it should be applied to my principal. These fraudsters ( as I would rather call them now ) did not do that instead ; they assumed it to my regular payment and automatically pushed my next set of payments to XXXX. By doing so, they have attempted to steal all that money as interest. When I called to insist that the payment must be applied to my principal and backdated, I was told that would make it so that I was overdue with payments between XXXX and XXXX and that they will have to report me to the credit bureau ( for their own bad behavior ). Mind you, I had registered autopay since around XX/XX/XXXX asking them to take extra {$200.00} in addition to the regular payment of {$300.00}. They did not apply it, instead they just want all my money to go into interest payments. I insisted that they apply the {$1000.00} to the principal payment and paid them another {$920.00} on XX/XX/XXXX to take care of the 3 months they pushed out. Alas, till now they haven't applied the {$1000.00} and still assumed the {$920.00} as regular payment. For a big name in the business, you would think they operate with integrity but No, they have none. My plan is to pay off the XXXX finance as fast as possible, but they are doing everything to make sure it runs its course while stealing my money as interest. I am scorned and will take this everywhere I can ; Yamaha is being fraudulent and I want this resolved ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUSTMARK CORPORATION
State: TN

Complaint narrative:
NEW VIOLATION : INACCURATE CREDIT REPORTING DURING ACTIVE REPAYMENT PLAN FCRA VIOLATION Servicer : Trustmark National Bank Account : XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WHAT HAPPENED : Trustmark confirmed in their XX/XX/XXXX response to CFPB Complaint # XXXX that an active repayment/forbearance plan was in place from XX/XX/XXXX through at least XX/XX/XXXX. I was in compliance with this plan. Despite this, Trustmark reported my account as delinquent to credit bureaus during this active plan period. Reporting negative marks while a borrower is complying with an active repayment plan is a direct violation of : - FCRA 15 USC 1681s-2 ( a ) : Prohibits furnishing inaccurate information to credit bureaus - RESPA 12 CFR 1024.41 : Loss-mitigation protections- VA loan servicing guidelines XXXX XXXX EVIDENCE : - Trustmark 's own XX/XX/XXXX letter confirms repayment plan dates ( XX/XX/XXXX - XX/XX/XXXX ) - Credit report dated XX/XX/XXXX shows late marks during this exact period - I was making payments during the plan period as confirmed by Trustmark 's letter PRIOR COMPLAINTS ON FILE : - CFPB # XXXX ( XX/XX/XXXX ) - CFPB # XXXX ( XX/XX/XXXX ) - CFPB # XXXX ( XX/XX/XXXX )

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 2026-03-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XXXX, XX/XX/year>, I went on line to redeem a Certificate of Deposit which had an account balance of {$55000.00}. Previously I had looked at the web page and it stated I had a 10 day period after the renewal date of XX/XX/year> to renew, change or redeem the CD. The USAA webpage would not allow me to redeem the CD. I called USAA on Monday morning, XX/XX/year>. The USAA Bank representative stated the 10 days was over, the CD had automatically renewed and I could not redeem the new CD without paying a penalty of {$450.00} for early redemption of the new CD. I advised that was unfair as it was the USAA computer that would not allow the CD to be redeemed on XX/XX/year>. The lady could not explain why I could not redeem the XXXX on XX/XX/year>. The matter was transferred to the Member Resolution Team. I received a call from USAA on XXXX. I was told buried deep in the fine print of the CD Agreement was wording to the effect that if the 10 period ends on a weekend day, the redeeming period is shorten to the preceding Friday. The Member Resolution Team member advised she would make no effort to correct this injustice. I checked the CD page of the website on XXXX and it still stated you have a 10 day period from the end of the CD to make changes to the CD. It does not have an asterisk stating except on weekends. As of today, XXXX, the website remains intentionally misleading on the grace period for CD renewals.

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 2026-03-02 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: TX

Complaint narrative:
I am filing a complaint against Cash App regarding its refusal to provide provisional credit for a disputed transaction, despite my timely notice and repeated requests, as shown in the attached screenshots.On XX/XX/XXXX I contacted Cash App Support through the inapp chat to dispute a transaction of {$110.00} for which I am seeking a chargeback. In the chat, I clearly requested provisional credit while Cash App completed its investigation. Instead of explaining my rights or initiating provisional credit, the Cash App agent told me to keep asking the merchant, suggested I wait for the merchant, and repeatedly avoided addressing my request for provisional credit. The agent refused to transfer me to someone who could provide assistance. The screenshots I have show I explicitly asked for provisional credit and for Cash App to step in.The agent acknowledged my dispute but refused to provide provisional credit or a clear explanation of my rights.The agent told me I may need to start a disoute again next month. Effectively delaying or denying my rights to timely error resolution and provisional credit. Because of Cash Apps refusal to provide provisional credit and proper errorresolution procedures, I have been without access to my funds, and the dispute has dragged on without a clear or lawful investigation process. I provided Cash App with merchant lies about my truck radiator being shipped, sending them a screenshot that says my part was shipped but up until today it hasn't even been dropped off at XXXX. I also paid the merchant 2 day expedite shipping. It's been more than 5 days and I was supposed to get it in 3-5 days. Neither cash app or the merchant are helping with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: INTERNAL CREDIT SYSTEMS, INC
State: OH

Complaint narrative:
I am getting repeated phone calls from XXXX threatening to take my daughter to court for a legal matter. The man calling has been very rude to myself and her and has no business in calling my phone for my adult daughter. I am registered with the do not call website and should not be harassed by these people. They called today at XXXX XXXX XXXX XXXX, they called XX/XX/year> and threatened court to me verbally. Not once has any documentation been received by myself or my daughter concerning this matter only threatening phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: DISCOVER BANK
State: MD

Complaint narrative:
Discover closed my billing dispute without in favor of the merchant without providing an itemized repair invoice, proof of payment, or documentation supporting the XXXX damage charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am enrolled in a rehabilitation program for a defaulted XXXX XXXX XXXX, with a required payment of {$140.00} per month for XXXX qualifying payments. I made multiple payments toward this program and contacted the servicer approximately two months ago to confirm my progress. During that call, I was informed that I had only one remaining payment to complete rehabilitation. I was told XX/XX/year> was my last payment and that after that I would be out of default. Based on the information provided by the servicer, I continued making payments in good faith. To date, I have made approximately XXXX payments totaling around {$1200.00}. I purposely skipped my XXXX payment because I was told that XXXX was my last payment to make. I recently contacted the servicer again and was informed that none of my prior payments count toward rehabilitation because they were not considered consecutive. This requirement was not disclosed to me previously. As a result, I have effectively lost progress toward rehabilitation despite making the required number of payments based on the information provided to me. Again, I skipped XXXX on purpose because I was told I would be done in XXXX. Upon calling today, XX/XX/year> I am now being told because I skipped my XXXX payment that now I have to start all over with 9 new payments. I relied on the servicers guidance and acted in good faith. The failure to provide complete and accurate information has caused financial harm and has delayed my ability to complete rehabilitation. I am requesting that my prior payments be reviewed and credited toward my rehabilitation due to inaccurate and incomplete information provided by the servicer. I also request that the servicer review call recordings and account notes to verify the information that was provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Time Investment Company, Inc.
State: IN

Complaint narrative:
The application was filled out online in my home on XXXX by XXXX XXXX, a salesman from XXXX XXXX XXXX. I had no knowledge of this contract. I never even saw it until it showed up in my email the day after on XXXX. XXXX XXXX XXXX the contract without my knowledge. XXXX XXXX filled out the application without my input. The contract is fraudulent. I am not employed by XXXX XXXX for XXXX XXXX. I am XXXX XXXX XXXX and I'm on XXXX XXXX XXXX. My gross monthly income is not {$3600.00}, it is {$1300.00} so there's no way I can pay a {$420.00} monthly payment. XXXX XXXX told me I was getting a loan, which is what I requested. When I saw the contract on XXXX, I called Time Investment and asked them what the term of the loan was. It was Time that told me it was not a loan, but " Revolving Credit '', a credit card. I told Time the contract was not completed by me nor signed by me and asked them to close the account. They refused. My credit union is XXXX XXXX XXXX in XXXX XXXX, not in XXXX XXXX. The contract is written so Time Investment can pull payments directly from my account. I never agreed to that at all. Please help me! I've been in contact with Time Investment nearly every day asking them to close the account, but they steadfastly refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a Wells Fargo account. Someone did a bill pay to XXXX bank for a XXXX XXXX on XX/XX/XXXX for {$630.00}. I saw the transaction on XX/XX/XXXX and reported it immediately. I have made several attempts with Wells Fargo to get my money back and was told there was nothing they could do because the transaction didn't clear on XXXX end. But they took my money and won't give it back. This is a brand new account because I had fraud the week prior and immediately got hit again. Wells Fargo said if the transaction never clears on XXXX bank side I will not see my money and they will close the complaint. I don't understand how they can just close the complaint and I don't get my money back.

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 2026-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: AZ

Complaint narrative:
Re : Demand for Data Accuracy Verification and Correction CFPB File : XXXX To Whom It May Concern : I am writing to formally request verification, correction, and disclosure of any consumer information maintained, reported, or shared by Charles Schwab Bank , SSB in connection with the closure and denial of my accounts. Your XX/XX/year> response to my CFPB complaint confirms that a fraud investigation was conducted and that my accounts remain closed. However, the response does not clarify what data, if any, has been recorded internally or furnished to third parties as a result of that investigation. This letter serves as a formal demand under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and related provisions governing data accuracy and consumer reporting. If Schwab has furnished or communicated any information about me to a consumer reporting agency, including but not limited to XXXX XXXX XXXX XXXX XXXXXXXX, or any other consumer reporting agency as defined under 15 U.S.C. 1681a ( f ), you are required to ensure that such information is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contrac t, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Perpay, Inc.
State: MO

Complaint narrative:
The company is report my credit information Including account number to the credit buraus. Account number ending in XXXX is reported on my credit report. My card statement account number is listed as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I ran my credit. This debt collector has not reported across the 3 major credit bureaus. This debt collector has reported inaccurate late payments to my credit report. The credit bureau has not properly investigated this debt. This debt is inaccurate. I do not have knowledge of this alleged debt. I sent a debt validation letter to debt collector. The debt collector has not provided me proper debt validation for this alleged debt.

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 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
SENT CERTIFIED LETTERS RECEIVED XX/XX/XXXX AND XX/XX/XXXX ASKING WHEN WAS THE PROPERTY RE- RENTED, THE MOVE OUT DATE WAS WRONG AND THE AMOUNT OF THE DEBT WAS WRONG. I DID NOT RECEIVE A RESPONSE AND A COLLECTION WAS PLACED ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/2026, I received a bank alert that a collection account for {$280.00} had been reported on my credit report. This was the first time I became aware of this alleged debt. Prior to the credit reporting, I did not receive any written validation notice from the collection agency as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I only received phone calls from the number XXXX and thought it was scammers because I had been hacked before. I never received any written communication explaining the debt or my rights to dispute it. After discovering the account, I contacted the collection agency to request information and debt verification. I have not been provided with proper written validation documentation supporting the debt. This alleged balance relates to cleaning and repainting charges from a former apartment in XXXX XXXX, Texas. The unit was left in clean condition, and the charges appear to reflect normal wear and tear under Texas Property Code 92.104. I have video proof that I cleaned the apartment after moving out. I formally dispute the validity and accuracy of this debt and request that the collection account be removed from my credit report unless the agency can provide proper validation and documentation as required by 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 2026-03-02 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: NH

Complaint narrative:
I am getting emails from banks asking me to verify my identity for recently opened accounts. I never opened or tried to open any accounts. The person doing this is using my email address only it seem and the name XXXX XXXX. The banks offer no help because the accounts are not yet opened but this has me concerned that my identity is being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
Thay r adding interest to my loan without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: WI

Complaint narrative:
I have no knowledge of debt. I disputed with XXXX but was unsuccessful proving it wasnt my debt. I decided to try another route before escalating. Im under the assumption someone used my name for this account as I have never used this

Company response to consumer: Closed with explanation