vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I got a letter on mail about a loan with a 6.5 % XXXX, they gave me a promo code, ( need it to pay my rent ) and in desperation I signed in to this website upstartXXXX XXXX and they aprove me for {$2600.00} that I got deposited on my bank right away, but after XXXX payments I requested a copy of the documents I supposedly signed, they advice me to create an acct on that webSite ( XXXX ), So after my son XXXX  it he told me that the interest XXXX  illegal, in California being a 219.0002 %, they are substracting out of my bank acct {$230.00} every other week, so far I have pay them {$2700.00} and I still have way to go, the XXXX  XXXX  is to much for what the loan XXXX, {$11000.00} I will have to pay back, I did not XXXX  about the interest rate on contract because they promise me something else, so I XXXX like to adjust it or settle this unbelievable high interest rate to a legal or lower XXXX, XXXX single mother and I sign documents on desperation to pay my rent, did not knew they lied about the XXXX  interest they offer me! It has nothing to do with the XXXX  on contract, XXXX hoping you can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX have visit my ear doctor from XXXX Fl XXXX for hearing XXXX. He gave me choice to pay for XXXX  in full {$3800.00} or take a loan from Wells Fargo Bank without interest or fees for XXXX  months. I chose the loan. He XXXX  to sign the loan and credit card which I refused, saying " I have XXXX XXXX of them which is more then enough. '' I have XXXX  stated that I'm XXXX XXXX XXXX male with bad hearing and sight I start paying my loan on XX/XX/XXXX with {$300.00} XXXX ... XXXX. Then we have to go for XXXX  month to XXXX, so I send XX/XX/XXXX check for {$1800.00} ( XXXX ) with letter saying that I will have a XXXX  with timing and possible loss of check, so I'm paying XXXX month upfront. 

We came back beginning of XXXX and I immediately send additional check on XX/XX/XXXX .. {$300.00} ... XX/XX/XXXX .. {$300.00} ; XX/XX/XXXX .. {$300.00} ; and last and final payment on XX/XX/XXXX ... {$280.00} = {$3800.00} So I paid whole loan within XXXX  month instead of XXXX. 
Bank saying : If you pay your balance in full before the end of the promotional period, you don't pay the accrued interest charges! 

Meantime I was receiving letters from XXXX XXXX that I XXXX  money to the bank. 
I'd send XXXX letters to explain to XXXX  if they're not received some of the checks or where is some problem? All XXXX letters XXXX  without an answer! I check on my bank acount and all payments went to the Bank. 

Then I try email to them.I get answer that I XXXX  {$1000.00} and they're willing to take 40 % of that debt if I will pay immediately XXXX  the rest of that amount. 
This going till today. Few days ago I get letter with XXXX double pages and yesterday XX/XX/XXXX additional XXXX pages. 
What I experienced with that loan I'll not wish even my worst enemy. Stress and frustration on daily bases. 
And again I'm XXXX old with XXXX XXXX ( I have XXXX  XXXX  in my XXXX ) being in XXXX because of this bank and they still attack me like a XXXX. 

I hope someone help me to resolve this issue or I have to go to to seek some attorney help? Thank you Sincerely XXXX 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 2026-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint due to Equifaxs failure to conduct a reasonable investigation into disputed information on my credit report.

After disputing a collection account reported by XXXX XXXX XXXX XXXXXXXX, Equifax continued reporting the account without providing evidence that a proper investigation was conducted. This is a direct violation of the Fair Credit Reporting Act.

Equifaxs failure to remove or verify this information has resulted in ongoing harm to my credit profile.

I am requesting CFPB intervention to ensure compliance with federal law and immediate deletion of any unverifiable information. 

Sincerely, XXXX XXXX XXXX, NJ

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Our Capital One XXXX card was hacked. Hackers changed our account information from paper or paperless billing, changed the phone number and email on our account so we were not receiving any more paper billings, text, or phone calls or mailing informing our information had been changed. This possibility started to occur in late XX/XX/year>. We received a XXXX  statement but didnt look at it until late XXXX thinking it was just information that we had. The same fraudulent phone number was put on our XXXX  report! After trying to use our card last week, we found that our account had been closed and had no prior information of all the hacked information. Now we are waiting for our statements from Capital One, I so we can assess any other charges we did not make. The fraudulent number is now on XXXX as my phone number as of XX/XX/year>. It is a prepaid XXXX number from XXXX  from what I was told after researching and calling XXXX fraud department. That hackers number has been removed from Capital One account but still waiting for the statements and for XXXX  XXXX  to remove the fraudulent number from their website! This has been very difficult to resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XXXXI have already complained about Bank of America to your agency back in XXXX  XXXX  about the same charge.  I booked a trip to XXXX XXXX and got a XXXX XXXX XXXX XXXXe deal in which Allegiant XXXXr got paid in full and they booked me with a rental car for the week.  Upon getting the car (already paid for the week), they said they needed XXXX  as security to hold and would not charge, a hold, until i brought the card back.  I obliged and returned car, no issues.  They said depending on the bank, would depend how long it took to credit my card.  It should never have gone through as it was only supposed to be a hold.  I got charged on XXXX and after dispute after dispute, directly with the rental car company and bank of america, it finally got credited to my account in XXXX XXXX  Since then i have gotten a replacement card.  The charge was put back on my credit card on XXXXXXXX.  I just called Bank of America and he said the credit was only temporary and the rental car showed proof so charged me XXXX   This is absolutely ridiculous.  the charge for the actual rental car was cheaper and already paid.  They took this money from me and BOA won't do anything.  I signed up for a card with Allegiant and if I new the bank was Bank of America, I never would have gotten the card.  They are horrible and I stopped using them years ago.  I have perfect credit and pay my bills.  This is stealing and I should get my XXXX back.  I am closing the account once this is fixed and I guess I won't have a card through Allegiant anymore because i will never use Bank of America again.  Please help fix as this is criminal.  The rental car was paid for.  This is additional money they are taking from me for no reason.  Car was in good condition when it was returned and I don't ever plan on using this rental car again.  I didn't pick them.  It was a package deal and given to me.  Please help.  XXXX XXXX   Thank you"

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 monetary relief
Consumer complaint received 2026-01-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: DC

Complaint narrative:
XX/XX/XXXX XXXX order some pots from a fraudulent company name XXXX XXXX but when I got transaction text message, it showed another name as XXXX XXXX XXXX XXXX, XX/XX/XXXX That same company took XXXX more transactions in total of XXXX, I contact wisely / Adp, they open an investigation/ dispute, I waited a week for my dispute later to sign and return which was on XX/XX/XXXX, I called the bank today XX/XX/XXXX, they close my case and said I was responsible for those transactions, which is false .. I received XXXX XXXX, I can't afford to buy toys with my check in the amount of XXXX wisely told me it's nothing they can do about and it's not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/2026 I bought a XXXX gift card for my self and tried activating the card from the website and my card information was stolen with the website which was a false website and XXXX $ was stolen from my gift card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 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: Comerica
State: MI

Complaint narrative:
I was charged without my permission on my direct express card. I tried to get my money back from the company who charged me. I was not able to so I filed a dispute with direct express XXXX and they won't help. They want printed documents that don't exist. XXXX withdrawal my permission over the phone. They are charging rent for an apartment that none of us live in and have not lived in for over XXXX  years. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Check Recovery Bureau, Inc.
State: TX

Complaint narrative:
United Check Recovery Bureau ( UCRB ) contacted multiple members of my family regarding an alleged credit card debt. They called my sister first, then contacted both my mother and father on the same day. 

During a call with my father, the representative stated that I owe money on a credit card and falsely claimed they were calling from the federal government. 

I did not give permission for third-party contact. The callers disclosed my alleged debt to family members, misrepresented their identity, and contacted multiple third parties repeatedly. 

These actions violate the Fair Debt Collection Practices Act, including illegal third-party disclosure and false or misleading representations. 

I am requesting that the company be investigated, that all third-party contact stop immediately, and that this conduct be formally documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
According to the XXXX XXXX XXXX XXXX XXXX XXXX  excess amount of payment must be applied to the highest interest rate amount and I paid {$4000.00} dollars but they did not apply it to the highest amount if I interest owed instead must the oldest. According to the law this is not 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
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Melar Investments, LLC
State: NV

Complaint narrative:
Im currently being sue by Kino Financial Co, LLC for a credit card in the amount of XXXX dollars, which I never got a loan or signed a contract with them. Company claims ownership of account but account has being XXXX and sold multiple times for pennies on the dollar to other companies including them. Original creditor XXXX debt and was sold to other companies. Kino financial does not Own the debt. Company has fail to proof right of ownership.

Cardholder Agreement incomplete and not signed.

Cardholder Agreement not from Kino financial.

Incomplete statements.

Bill of sale not from Original creditor.

Can not provide verification of the validity of debt.

I have never done business with Kino Financial and do not owed any money to them. 
My wages and bank account are about to be garnish, putting me in a hardship situation which could result in me filing for bankruptcy and enormous stress for money that I do not owed to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Cordoba Legal Group, PLLC.
State: NY

Complaint narrative:
I am submitting this update because I discovered new evidence showing that Cordoba Legal Group acted without my authorization, concealed settlements, and continued charging me after debts were already resolved. 
I recently obtained a letter from XXXX XXXX XXXX ( XXXX ) dated XX/XX/year>, addressed directly to Cordoba Legal Group, confirming that Cordoba negotiated and entered into a settlement on my behalf without my knowledge or consent. 
The letter states : The debt was timebarred and past the statute of limitations. 
XXXX agreed to settle the account for {$810.00}. 
A payment schedule was created for XXXX payments of {$200.00} each. 
XXXX would delete the tradeline after the final payment posted. 
All communications were directed to Cordoba, not me.

Cordoba never disclosed this settlement to me.

Cordoba never provided documentation.

Cordoba continued charging me monthly fees even after the debt was settled.

Cordoba never informed me that the debt was legally uncollectible due to the expired statute of limitations.

This proves : Cordoba acted as my legal representative without proper authorization. 
They negotiated settlements behind my back. 
They collected payments from me for a debt that did not require settlement. 
They concealed the settlement and the credit bureau deletion. 
They misrepresented the status of my accounts and the services they were providing. 
They continued to withdraw money from my bank account after the settlement was completed. 
This is deceptive, abusive, and fraudulent behavior. 
I am requesting : XXXX. A full refund of all fees and payments taken by Cordoba. 
XXXX. A full accounting of every settlement they negotiated without my knowledge. 
XXXX. Confirmation of all debts they settled using my funds. 
XXXX. Immediate investigation into XXXX practices. 
I am attaching the XXXX letter as evidence. 
This document clearly shows that Cordoba concealed material information and acted without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
Here is the text I keep receiving. ( see below ) This text is from Shepherd Outsourcing, a debt collector regarding your THE XXXX XXXX MISSOURI ( XXXX CREDIT CARD - for which the current creditor is XXXX XXXX XXXX XXXX ) account. Visit https : XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. License Number XXXX SO Ref # XXXX Reply STOP to opt out. 

I called furtive and they don't find an account. They said to look up my credit report and get the info there and then dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened a XXXX  Rewards Credit Card in XX/XX/year> with a promotional 0 % interest period for XXXX year. After the promotional period ended, Synchrony Bank applied accumulated interest retroactively to the account. In addition, a security/payment fee was charged that I do not recall authorizing. I may have paid the balance in full within the first year if this fee had not been applied. 
I requested a copy of all statements since account opening and a copy of my signed credit agreement or proof of my authorization. The company informed me they can not provide my signed contract and were unable to generate statement replacements, directing me to call customer service. 
I am disputing the validity of the current balance, including all interest and fees, and I request written confirmation of all statements since account opening, adjustment of my balance to {$0.00}, and correction of any credit reporting.

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 monetary relief
Consumer complaint received 2026-01-16 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: Block, Inc.
State: TX

Complaint narrative:
CFPB Complaint Narrative Improper Account Freeze and Post-Discharge Collection Activity I am submitting this complaint regarding XXXX  improper enforcement of a XXXX filing and continued post-discharge collection activity, which resulted in the freezing of my personal Cash App account and the withholding of my personal funds. 
Background In XX/XX/XXXX, my business entered into a merchant cash advance ( XXXX ) agreement with XXXX XXXX. 
The XXXX and corresponding XXXX filing were specific to the business entity and its future receivables, not my personal assets. 
The business ceased operations, and payments stopped on XX/XX/XXXX. 
I filed both personal and business bankruptcy in XX/XX/XXXX. 
The bankruptcy was fully XXXX in XX/XX/XXXX, and this XXXX obligation was included in the discharge. 
Improper Account XXXX In XX/XX/XXXX, my personal Cash App account was frozen. 
This account was not a business account and contained personal funds, including cash balances and bitcoin. 
The XXXX filing referenced by XXXX XXXX applied only to the business and future business revenue, not to personal assets or personal financial accounts. 
Freezing a personal account under a business-only XXXX  filing is legally improper and over-broad, as XXXX  liens do not attach to unrelated personal property absent a personal guarantee and proper perfection. 
Bankruptcy Violation As of XX/XX/XXXX, the debt was legally XXXX. 
Any continued enforcement activity, refusal to release restraints, or retention of funds after discharge constitutes a violation of the bankruptcy discharge injunction. 
Despite this, my personal account remains affected, and no corrective action has been taken. 
Failure to Respond I provided bankruptcy discharge documentation and the XXXX filing to Cash App via email on XX/XX/XXXX. 
I received only a generic canned response and no substantive follow-up. 
I sent a formal written request on XX/XX/XXXX, again receiving no response. 
CashApp has failed to engage, investigate, or remediate despite clear documentation and repeated notice. 
Requested Resolution I am requesting that : All restraints on my personal Cash App account be immediately released All personal funds, including cryptocurrency, be fully restored Written confirmation that no further collection or enforcement activity will occur A formal acknowledgment that the debt was XXXX and the XXXX does not apply to personal assets Summary XXXX  XXXX  has : Misapplied a business-only XXXX  lien XXXX XXXX personal account Cash App is enforcing this illegals after documentation has been provided. 
Continued collection-related activity after a bankruptcy discharge Failed to respond to repeated written notices and documentation I am requesting CFPB assistance to compel compliance and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: AZ

Complaint narrative:
UPSTART XXXX XXXX reports a collection account to my credit report claiming a debt of {$1600.00}. I have no knowledge of this account. I will also be reporting to FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am submitting this complaint regarding Synchrony XXXX  denial of my dispute for a {$2000.00} charge from XXXX. This charge resulted from an automatic renewal of an annual website plan that I did not authorize. My website was inactive, no hosting services were in place, and I did not receive clear or effective notice prior to the renewal. I did not use or benefit from the service. 

Importantly, the Synchrony credit card that was charged does not appear in my XXXX account portal under saved payment methods. This card was not authorized for this subscription. I provided all requested documentation, yet Synchrony denied the dispute without addressing the absence of authorization, lack of service received, or failure of notice. 

I believe this constitutes unfair billing and a failure to properly investigate a billing dispute in accordance with consumer protection obligations. I am requesting immediate reconsideration, a full review of merchant-provided evidence, and reversal of the {$2000.00} charge.

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 monetary relief