vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
This is NOT a duplicate complaint. The prior complaint ( XXXX ) concerned payment and servicing issues. This complaint concerns NEW violations that occurred AFTER that complaint, including : - Unauthorized entry into my property - Lock change without notice or court authorization - Interior demolition and property damage These events occurred on XX/XX/year>, AFTER my formal written notice on XX/XX/year>. This constitutes new and independent violations under : - RESPA ( XXXX XXXX XXXX, XXXX ) - UDAAP ( XXXX XXXX. XXXX ) - Unauthorized property entry and denial of access Supporting evidence has been uploaded, including photographic evidence and documented servicer notice. This complaint must be treated as a XXXX enforcement matter, not a duplicate. This complaint concerns NEW misconduct by the mortgage servicer that occurred AFTER my prior CFPB complaint. This is NOT a duplicate complaint. After my prior complaint, the servicer or its agents entered my property without authorization, changed locks, and interfered with my access and possession of my home. At the time of these actions : - The property was NOT abandoned - The servicer had actual knowledge that I was actively occupying the home and asserting my rights- There were ongoing disputes and communications regarding my account Despite this, the servicer proceeded with actions typically used only for vacant or foreclosed properties. These actions include : - Unauthorized entry into my property - Lock replacement without notice - Interference with my ability to access my own home These actions are separate from my prior complaint and were not addressed in the companys previous response. I request that the company : XXXX. Identify all vendors or contractors involved XXXX. Provide the work order authorizing entry XXXX. Explain the basis for determining the property was vacant XXXX. Provide all inspection and property preservation records XXXX. Confirm that no further unauthorized entry will occur This conduct has caused loss of access, property risk, and significant disruption. This complaint concerns new and ongoing violations that require a separate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-04-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I was issued a gift card from BMO Harris bank in XXXX from my place of employment. The card was never used until XX/XX/XXXX when the card was declined. The card has an expiration of XX/XX/XXXX I used the online tool to find out what the problem was with no resolve. I spoke with someone who told me to go to a branch and they XXXX give me cash because these cards are no longer issued. I went to the XXXX, WI branch on XX/XX/XXXX. The branch manager sent and email to someone with the card information and said she would get back to me when she had a reply. This morning, XX/XX/XXXX, she contacted me to say that because the card had been activated, ( I did not activate the card ), fees accumulated wiped the funds from the card. I called the BMO Harris complaint phone and was told the same information that the branch manager had told me.

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 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Chaos Capital Holdings LLC
State: TX

Complaint narrative:
Got a loan from them a presettlement loan my old attorney was on my case since XX/XX/year> she drop my case she signed off on it fees keep going up they didn't tell truth does not have a attorney they keep calling the defendant attroney asking about the law suit have with them in some personal business won't close my case they keep letting it go up please stop it they need to take fees away and do payment plan not alot I'm not working them don't tell you the truth XXXX XXXX XXXX is rude the manger no understanding need help with them doing fees still not helping are low payments arrangement please my number XXXX my email XXXX are XXXX please help me they address XXXX XXXX XXXX XXXX XXXX.tx XXXX company name express legal funding LLC number XXXX XXXX her name bella XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing a complaint regarding a credit card account opened at TJ Maxx without my informed consent. On Friday XX/XX/XXXX, I made a purchase at a TJ Maxx store. The cashier asked me if I wanted to sign up for a rewards program. I specifically asked multiple times whether this was a credit card, whether I would owe money, or whether there were any fees. The cashier repeatedly told me it was NOT a credit card and that I would not owe anything. Based on that false information, I agreed. The cashier then proceeded to sign me up and placed my purchase on what I later discovered was a credit card account. Two days later, I received an email confirming that I had been approved for a credit card. I immediately called and closed the account because I am not in a financial position to open a credit card and would not have agreed if I had been given accurate information. Despite this, I was told I am still responsible for paying the balance on the account. I dispute this obligation because my consent was obtained through clear misrepresentation. I am requesting : - A full reversal of the charges placed on the account OR a refund of any payments I was forced to make - Removal of any fees or interest - Written confirmation that this account will not negatively impact my credit report This situation involved deceptive sales practices, and I would not have agreed to open this account under truthful circumstances. I would like this matter to be resolved promptly.

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 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
Okay, so what happened is I got a title out from XXXX XXXX XXXX XXXX believe, in XXXX, Arizona, for my wife 's XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX XXXX. Due to a move, medical expenses, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a new job, and a move across state lines, we were in a really tight hole trying to climb out of a tight situation with XXXX kids, a sole income provider. I am a struggling father, a failed XXXX XXXX XXXX XXXX XXXX XXXX so I was trying to make major transitions in my life. I was having really hard years to XXXX XXXX where we couldn't pay our bills. And so we pulled this loan out just a few years ago in XXXX, anticipated being able to pay it back, but due to commissions and bonuses that were never paid by the company that were over-promised to me, we fell short and this loan went by the wayside and we've never been able to recoup out of it, so I wanted to just eliminate it, do debt validation on it and verifying it because there's interest charges, payments were too high, interest charges were too high, the hard money lending was really hard and something we couldn't overcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I am submitting a complaint regarding ongoing issues with Aidvantages loan servicing platform, specifically related to account access, transparency of loan information, and inconsistent balance disclosures. Since entering repayment, I have experienced repeated difficulty logging into my account. Access is inconsistent and unreliable, which limits my ability to monitor my loan status. When I am able to access my account, the platform does not clearly display total accrued interest across all loans. Instead, interest is only shown on a per-loan basis, requiring me to manually navigate through multiple screens and calculate totals myself. There is no clear, consolidated view of total interest owed. Additionally, there are discrepancies between the balance displayed in my account and the payoff amount provided. For example, my account may show a balance of approximately {$1700.00} on a loan, but when I request a payoff quote, the amount increases significantly ( e.g., approximately {$4000.00} ). This lack of transparency makes it difficult to understand my true financial obligation. I have attempted to get clarification, but responses from Aidvantage have not resolved the issue and have not provided clear explanations. Impact : These issues have caused ongoing confusion, stress, and an inability to confidently understand or manage my loan repayment. As a borrower, I should be able to easily access accurate, complete, and transparent information about my loan balance and interest. Requested Resolution : I am requesting that Aidvantage : Provide a clear and consistent method to access my account without login issues Display total accrued interest across all loans in a single, easily accessible location Ensure that displayed balances and payoff amounts are transparent and clearly explained Improve the usability of their platform so borrowers can easily understand their obligations without excessive navigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding an unreasonably delayed refund related to my Tire & Wheel Protection ( TWP ) cancellation. Tire & Wheel Protection is a vehicle protection insurance plan, administered by Safe-Guard Products International, Toyota Motor Insurance Services , Inc. and Toyota Financial Services XXXX My TWP cancellation request was approved on XX/XX/year>. A refund check was issued to Toyota Financial ; however, it has never been cashed or processed bacause my vehicle 's actual lien holder was Mazda Financial Services. Over the past weeks, I have made multiple follow-up calls, and each time I was told that the refund was under process, with no resolution provided. The loan associated with my car and this account has now been paid in full. Given this, the originally issued check should no longer be valid. I have requested that the company cancel the original check and reissue a new refund directly to me, but this has not been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
For my DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, no reasons for the denial of the dispute have been provided. No correspondence has been received. Barclays does NOT respond in a timely fashion to deny my legal rights.

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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I am a victim of identity theft and this account was opened without my knowledge or authorization. I filed an official FTC Identity Theft Report and submitted it to the credit bureaus. Despite this, Southwest Credit Systems continues to report and attempt to collect this fraudulent debt. I requested full validation including the original signed contract, proof of ownership, complete payment history, and permissible purpose under FCRA, but no documentation was provided. Instead, the account was falsely verified. Under FCRA 15 USC 1681c-2, they are required to block and delete identity theft accounts within 4 business days. Their failure to do so and continued reporting constitutes willful non-compliance, inaccurate reporting, and illegal collection activity on a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
PayPal is holding {$470.00} worth of my cryptocurrency ( USDC ) in a digital wallet they control and is refusing to recover or return it, despite having the sole technical ability to do so. On XX/XX/year>, a sender mistakenly transferred XXXX USDC to my PayPal-associated XXXX address ( XXXX ). PayPal does not support XXXX in its consumer interface, so the funds are completely inaccessible to me. However, the funds are verifiably present on the blockchain at the wallet address that PayPal custodies for my account. The transaction hash is XXXX. I have made repeated requests for PayPal to use its control of the private keys to recover these mis-sent funds. I have contacted customer support multiple times by phone, spoken with supervisors, and submitted a formal written complaint through PayPal 's Resolution Center. Each time, they have closed my request, citing policy limitations. PayPal 's final response stated : " XXXX I'm really sorry to hear about your experience... The supervisor might have been unable to assist you due to the specific nature of the request which involves recovery of digital assets. '' This confirms they have closed my internal complaint without providing any solution. I believe PayPal, as the custodian of the wallet, has a responsibility to assist in recovering mis-sent customer assetsa standard service offered by other regulated platforms. Their refusal has resulted in the loss of my funds. Key Details to Include : My PayPal Account Email : XXXX PayPal Custodial Wallet Address ( where funds are stuck ) : XXXX Transaction Hash ( Proof of Transfer ) : XXXX Amount & Asset : XXXX XXXX ( Approximately {$470.00} ) Date of Transaction : XX/XX/year> Sender 's Wallet Address : XXXX My Personal Wallet for Return of Funds : XXXX What I want as resolution : I am requesting that the CFPB help ensure PayPal fulfills its custodial duty. I want PayPal to : XXXX. Use its private key access to retrieve the XXXX USDC from its custodial wallet at the address listed above. XXXX. Return these assets to my personal XXXX wallet address : XXXX. XXXX. I am willing to pay any reasonable and disclosed fee for this recovery service. My contact information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am a 100 % XXXX veteran and a victim of fraud and deception. On or about XX/XX/year>, I was contacted by an individual who is known to me and shares a family connection. Because of this relationship, I initially trusted the communication. However, I later realized that I was being misled and manipulated as part of a fraudulent scheme. The individual used convincing and misleading information to make the situation appear as a legitimate financial and loan-related process. Based on these representations, I believed I was participating in a legitimate transaction and did not have a full understanding that this was a scam. On or about XX/XX/year>, I was manipulated into initiating multiple wire transfers from my USAA account under false pretenses. Some funds were deposited into my account through loan applications made in my name without my informed consent, while others appeared as pending deposits that were never completed. As part of this scheme, I was instructed to send funds to third parties, including business accounts such as XXXX XXXX XXXX XXXX One of the transfers also involved funds being routed through my own business account before being transferred onward, entirely based on instructions given to me under deception. In addition, I was directed to transfer funds and provide cash to an individual who presented these actions as part of a legitimate process. I have XXXX communications and contact information that support the existence of this coordinated scheme. These actions were not performed with full knowledge or informed consent, but rather as a direct result of deception and manipulation. As a result, USAA is currently holding me responsible for approximately {$49000.00} in negative balance related to these transactions. I reported this matter to USAA and requested a fraud investigation. USAA has assigned case numbers and initiated wire recall requests for some of the transactions. However, not all related transactions have been fully addressed, and the financial responsibility remains unresolved. I am requesting that USAA : Conduct a full and thorough fraud investigation covering ALL related transactions. Continue and expand all possible recovery efforts for the wire transfers. Remove the negative balance resulting from this fraud. Refrain from reporting any negative information to XXXX or any credit reporting agencies while the investigation is ongoing. This situation has caused significant financial hardship, and I respectfully request a fair and complete resolution.

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CO

Complaint narrative:
I placed an order for {$570.00} on XX/XX/year> and then realized the company was a scam. The company is in the hole golf out of Wyoming. They have reviews saying this ( which I wish I read prior ) and also an f rating with the XXXX. Klarna wont help with this and they are telling me to contact the merchant. However, I have tried calling and emailing the merchant countless times and they are not reachable whatsoever. Im not being held responsible by klarna and in the hole golf for nearly {$600.00} which I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash App account was closed without prior notice, and I was not provided with a specific reason for the closure. I was initially told the decision was not final and could be reviewed ; however, I later received conflicting information stating the decision is final with no possibility of reactivation. Despite multiple attempts to obtain clarification, Cash App has refused to identify the specific Terms of Service violation or provide any meaningful explanation. This lack of transparency prevents me from understanding or disputing the action taken against my account. I am requesting a clear explanation for the account closure, including the specific policy allegedly violated, and confirmation of the status of any funds associated with my account. I also request a fair review of this decision due to the conflicting information I have received.

Company response to consumer: Closed with explanation