vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Was victim of a data breach and compromised XXXX XXXX account on XX/XX/XXXX. My bank issues me {$2100.00} worth of provisional credit as the investigation goes. My car notes gets pulled around XXXX or XXXX each month. The payment never went through on their end and claimed i had no funds even though i had more than enough. Now they are saying their system does not allow them to remove ANY fees. I was not even asking for extension or deferment, i wanted to know how they claim I had insufficient funds even though I had more than enough funds for my car note. They refuse to help. I have never been late on my payments never called for assistance but once and even then they did not do much for me. Its ridiculous because the chats, people on phone and automated phone calls always give me the go around. How hard is it to help a customer a SINGLE time? I had 2 account compromised and money fraudulently removed and I STILL managed to figure out to have my money in my account to not get a late fee on top of what i am still dealing with. This is ridiculous. Money hungry company that offers NO ASSISTANCE! they have never been asked to remove any fees and to add to it they will not show the proof of the payment not going through or give grace on the issue even if it was wrong on their end. I have dated statements with my available amount being way more than they needed to pull around the autopay date. It makes no sense. They really need to get the customer service together and offer assistance instead of adding fees on fees and interest on an ALREADY HIGH interest loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am unable to access my checking account documents for the last 3 months, the Chime site and app tells me to come back later and Chime support will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My bank is restricting access to my payroll funds for weeks without providing a clear reason or release date. I am unable to access my own money and am not receiving consistent information

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 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Date : XX/XX/XXXX Subject : Formal Complaint Inaccurate Charge-Off Reporting by WORLD FINANCE CORPORATE ( FCRA Violations ) Dear Sir or Madam, I am submitting this formal complaint against WORLD FINANCE CORPORATE and the credit reporting agencies for reporting inaccurate, incomplete, and unverifiable information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ). Account Details : Creditor : WORLD FINANCE CORPORATE Account Number : XXXX Account Type : Installment Account Status : Charged-Off Balance : {$640.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX This account is currently being reported on my credit files with XXXX XXXX XXXX XXXX and contains multiple inconsistencies and violations, including : Conflicting account classifications ( Installment XXXX. Unsecured Loan ) Inaccurate and inconsistent Date Last Active across bureaus Missing Date of Last Payment, a required reporting field A reported balance ( {$640.00} ) that exceeds the listed high credit ( {$400.00} ) Conflicting remarks such as profit and loss write-off and charge-off, creating ambiguity Lack of verifiable documentation supporting the accuracy of this account Under the FCRA ( 15 U.S.C. 1681 ), all information reported must be accurate, complete, and verifiable. The discrepancies listed above clearly demonstrate that this account does not meet federal compliance standards. I have made prior efforts to resolve this matter directly ; however, the inaccurate reporting remains. Therefore, I am requesting that the CFPB initiate an investigation into this matter. Requested Resolution : Immediate deletion of this account from all credit reporting agencies Verification of compliance procedures used by WORLD FINANCE CORPORATE Confirmation that all inaccurate reporting has been permanently removed Failure to correct this issue constitutes continued non-compliance with federal law and causes ongoing harm to my creditworthiness, financial opportunities, and overall well-being. I am requesting prompt attention to this matter and a written response detailing the outcome of your investigation. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: NY

Complaint narrative:
On XX/XX/year>, I received a certified pre-owned XX/XX/XXXXXX/XX/XXXX( SN : XXXX ), purchased for {$2600.00} through financing with Synchrony Bank ( XX/XX/XXXXaccount ). On XX/XX/year>, upon first use, the unit immediately produced an abnormally loud mechanical sound and did not operate properly. I reported the defect the same day and provided two videos on XX/XX/XXXX and XXXX at the merchant 's request. The merchant ( XX/XX/XXXX) dismissed the defect as likely needing grease and conditioned any return on repair first, followed by a 20 % restocking fee and round-trip shipping costs making return effectively impossible for equipment defective upon first use. I filed a dispute with Synchrony ( Claim # XXXX, {$2600.00} ). Synchrony closed the dispute on XX/XX/year> and denied my claim. At no point during the investigation did Synchrony contact me, request my documentation, or give me any opportunity to present my evidence. The denial was issued without any meaningful investigation of the facts. I requested the written basis for their findings ; as of this filing I have not received it. When I called to follow up, a representative placed me on hold for 30 minutes and then disconnected the call.

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 2026-04-21 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Back in XXXX, I booked a hotel room with XXXX for {$340.00} and I also paid an additional {$15.00} for XXXX XXXX insurance that covered a stay protection plan ( Policy effective date of XX/XX/year> - XXXX -- policy number XXXX ) that covered my stay 100 % for unforeseen issues ( ie inclement weather ). That weekend the governor declared the state of Virginia under a state of emergency due to the horrendous weather. Therefore, my work event was cancelled. I then reached out to XXXX XXXX and they told me what to submit for reimbursement -- however, over the following weeks no matter what I supplied to XXXX XXXX insurance plan -- they did not compensate me for my loss. So I went to my Citi Bank Credit card -- -where I have been a loyal customer for many years. I put in a dispute on XX/XX/XXXX and explained my situation. On XX/XX/XXXX Citibank contacted the Merchant. The merchant responded on XX/XX/XXXX and mainly sent them the XXXX booking that stated it was not refundable. CitiBank then stated I ( the customer ) was responsible. So I reached out to Citibank again and supplied them the XXXX XXXX insurance plan and various other documents. Then the dispute was reopened. And things went around and around again. I recently spoke to a customer rep of CitiBank and he mainly stated that XXXX XXXX might not even be a legit company. Bottom line -- CitiBank should remove this charge of {$340.00} whether XXXX XXXX is or is not a legitimate company.

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 2026-04-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within four business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent accounts and inquiries that are not associated with me All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through certified mail. In addition, I request the immediate removal of the following fraudulent accounts and inquiries from my credit report. Accounts :. XXXX XXXX XXXX Number Account : XXXX GLBA Section 502, no nonpublic information should be disclosed without consumer permission

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XX/XX/year>, my credit limit on my Best Buy/Citi retail card was reduced shortly after I made a large payment. I did not receive any advance notice, written adverseaction notice, or explanation of the specific reasons for the reduction. I contacted the company multiple times between late XXXX and XX/XX/year> to request the required information. During these calls, I received inconsistent and contradictory explanations. Different representatives stated that the reduction was due to internal scoring, risk models, a system review, and at one point referenced an SCRA review, even though I did not request SCRA benefits and no SCRA documentation was provided. None of the representatives were able to identify the specific principal reasons for the adverse action, the scoring factors used, or the name ( s ) of any consumer reporting agencies relied upon. I formally requested the following information : The specific principal reasons for the creditlimit decrease The name ( s ) of any consumer reporting agencies used The internal scoring factors that contributed to the decision Clarification regarding the SCRA review that was referenced The company did not provide this information. Instead, I continued to receive inconsistent explanations and was told that no written notice would be issued. As of XX/XX/year>, I still have not received the required adverseaction disclosures or a clear explanation of why my credit limit was reduced. This situation has caused operational and financial inconvenience, including repeated followup calls, time spent seeking clarification, and uncertainty about how the account is being evaluated. I am requesting that the CFPB review the companys handling of this adverse action, the lack of required disclosures, and the inconsistent information provided.

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 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
Date : XX/XX/2026 To Whom It May Concern, I am disputing the accuracy of information you are furnishing to the credit bureaus under FCRA 1681s-2. The account listed is reporting inconsistent and misleading information, including : * Conflicting statuses ( charge-off, late, bankruptcy ) * Incorrect payment history * Failure to properly update after payment Under federal law, you are required to : * Conduct a reasonable investigation * Correct or delete inaccurate data * Report consistent and verifiable information Additionally, under the Truth in Lending Act ( 15 USC 1666 ), I request full documentation of the account and billing accuracy. If you can not verify the accuracy of this account, you must immediately request deletion from all credit reporting agencies. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Mobile deposit was submitted to USAA on XX/XX/year> in the amount of {$2700.00}. The hold on the mobile deposit was automatically placed after only releasing {$200.00} of the {$2700.00}. Called om XX/XX/year> more than once, to ask why there was a hold and if it could be released. The company will not release the funds or give a valid reason as to why the hold has been placed. Called again on XX/XX/year> to have the hold removed and told it can not be done and I have to wait until XX/XX/year> to receive my money. I also called and asked if the deposit could be cancelled so I could cash the money elsewhere and that also can not be done.

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 2026-04-21 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: TX

Complaint narrative:
I am formally reporting an improperly processed {$16.00} payment for an XXXX XXXX renewal that PayPal auto-authorized using a backup method despite an insufficient balance. This forced my account into a negative standing, which I have since paid out of pocket. On XX/XX/year>, I spoke with a supervisor named XXXX ( XXXX ID : XXXX, Ref : XXXX XXXX XXXX who admitted on a recorded line that the transaction was an error and confirmed it was unauthorized. Despite this admission, a refund was refused because my initial claim and appeal was filed under the wrong category. I rejected a " store coupon '' offer as I am entitled to a cash refund under Regulation E for unauthorized charges. I have documentation to support this claim and am requesting the CFPB 's assistance in securing a full refund of the {$16.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I returned my XXXX XXXX XXXX XXXX to XXXX XXXX. The vehicle was in good condition at the time of surrender. However, the company failed to perform an inspection at the moment of drop-off. The third-party inspection was not conducted until XX/XX/XXXX, XXXX XXXX hours after the vehicle left my possession. Any alleged damages occurred while the vehicle was in the sole custody of the dealership and GM Financial. I formally disputed the resulting {$5300.00} bill on XX/XX/XXXX, via certified mail, demanding proof of the vehicle 's condition on the actual date of return. The company has failed to provide this proof and is attempting to hold me liable for damages that happened after I surrendered the keys. Failure to Validate : " Despite my formal request on XX/XX/XXXX, the company has failed to provide a 'Moment of Return ' condition report or any evidence that the alleged damages existed when the vehicle was surrendered. '' Price Gouging/Inflation : " The repair estimates provided ( {$5300.00} ) are significantly higher than independent market rates for the described cosmetic items. I requested independent quotes to justify these costs, which the company has ignored. '' " Under the Consumer Leasing Act ( Regulation M ), a lessor must provide a clear and conspicuous itemized statement of the consumer 's liability. Furthermore, attempting to collect on a disputed debt without providing validation is a predatory practice. '' " I have explicitly warned GM Financial that any attempt to report this disputed amount to credit bureaus while a formal dispute is pending would be a violation of the Fair Credit Reporting Act ( FCRA ). Despite this, the company has refused to acknowledge my certified dispute ( Tracking : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XX/XX/year>, I paid my XXXX credit card balance in full in the amount of {$770.00}. Then in XX/XX/year>, my credit limit was reduced from {$450.00} to {$100.00} without any notice by mail, email, secure message, or other communication. I contacted the company to ask why my credit limit had been reduced after paying my account in full. A supervisor told me that the credit bureau lowered my credit limit and that I would need to contact the credit bureau directly. This explanation is inaccurate because credit bureaus do not make decisions regarding credit limits, which I explained to the supervisor, who repeatedly stated I had to contact the credit bureau. That decision is made by the lender. I requested a copy of the adverse action notice, the specific reason for the decrease, and an explanation for why my credit limit was reduced from {$450.00} to {$100.00}. The company did not provide this information. This reduction has negatively impacted my available credit and utilisation even though I paid the account in full before the decrease occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Issue : Bank of America will not reissue a staledated check despite multiple attempts to resolve the matter. I am the payee of a Bank of America check in the amount of {$1100.00}, issued on XX/XX/XXXX, and marked Not valid after 120 days. The check is now staledated. I have contacted Bank of America multiple times to request a replacement. During one of my calls, a representative told me the check would be reissued. On XX/XX/XXXX, during another call, I was told a stop payment had been placed on the original check, but the replacement check was never released or processed. I continue to receive conflicting information and no resolution. What I have already done : - Called customer service several times- Was told at one point that the check would be reissued - On XX/XX/XXXX, was told a stop payment was placed, but the reissue was never completed - Asked to be transferred to XXXX XXXX or the department that handles staledated checks- Was repeatedly transferred or given inconsistent instructions - Still have not received a replacement check What I want : I am requesting that Bank of America promptly reissue the check for {$1100.00} and provide written confirmation of the reissue date and mailing method. Why I am filing this complaint : Bank of America has acknowledged the issue, placed a stop payment, and told me the check would be reissued, but they have not completed the reissue despite multiple attempts and assurances. I am requesting CFPB assistance to ensure the check is reissued without further delay.

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Im going through a divorce and in protection situation due to 2 counts of XXXX XXXX and XXXX counts of XXXX XXXX. I have separated from my husband and called USAA to remove my husband from my account. The man I spoke to stated they would send me a paper check in the mail with my rebate money which was {$1500.00} because the bank card used in our marriage he removed me from so I have no access to that account. When I called back to see why I havent received my check which I need to fix my daughters car so she can get to work they told me it was electronically deposited into his account. Which I did not authorize. They have not resolved the issue, I still havent received anything. They told me theres nothing more they can do. This is their fault and everything was on a recorded line so you can also review what was supposed to happen and what they did and now wont correct.

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