vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC
State: VA

Complaint narrative:
Background and Financial Hardship Agreement : In XX/XX/XXXX, due to an unexpected loss of federal contracting employment, I immediately and proactively contacted LendingPoint LLC to report financial hardship. A verbal agreement was established with a LendingPoint representative to temporarily modify my monthly payments to a fixed amount of {$300.00}. As a matter of good faith, I have successfully and consistently delivered exactly {$300.00} each month since XX/XX/XXXX without missing a single payment. Despite adhering completely to this hardship agreement, LendingPoint continues to negatively report this account to the credit bureaus ( XXXX XXXX XXXX XXXX as past due, causing severe and ongoing damage to my credit profile. XXXX XXXX XXXX : To date, I have paid LendingPoint over {$25000.00} since the loan 's inception in XXXX, completely satisfying the original principal balance borrowed. LendingPoint has engaged in predatory allocation of funds. For example, on a single payment of {$740.00} ( XXXXXXXX XXXX XXXX XXXXXXXX ), LendingPoint applied {$570.00} strictly to interest and fees, directing a meager {$160.00} toward the principal. Statutory Communication Violations ( Harassment ) : LendingPoint is currently in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and CFPB Regulation F regarding consumer communication limits. The company contacts my phone number over XXXX times per week, far exceeding the statutory limit of XXXX calls within a XXXX period. Furthermore, they routinely call outside of legally permissible hours, including phone solicitations on XXXX and past XXXX XXXX on weekdays. Actions Requested for Resolution : Cease and Desist : LendingPoint must immediately cease all automated phone calls and restrict all future communications strictly to writing ( Email or XXXX Mail ). Account Correction : LendingPoint must review the payment history showing over {$25000.00} paid and accept a final lump-sum settlement of {$2500.00} to mark the account " Settled in Full. '' Credit Bureau Correction : LendingPoint must remove all derogatory, past-due, and partial-payment marks reported since the XX/XX/XXXX hardship agreement began and update the trade lines to reflect " Paid as Agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
This is a predatory car loan and repossession. The vehicle and personal belongings inside vehicle was taking from me during a hardship. I was on medical leave from my job and needed more time to make the full payment. I was harassed and discriminated against by credit acceptance.The full Price of the loan was false and misleading by lender.

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 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, I checked my credit report, and I saw that a credit card was opened on my credit report that I wasn't aware of. The credit card name is : XXXXXXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} as of XX/XX/XXXX On XX/XX/XXXX I filed a dispute with XXXX of the credit report agency XXXX XXXX XXXX The credit report that I received from XXXX also showed XXXX addresses that I do not recognize. The first address is : XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX The second address is : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
In XX/XX/year>, I started getting phone calls from a collection agency regarding a membership to club fitness that I never purchased. Right around that same time I found out that was part of a large data breach with XXXX. I spoke to the debt collection agency on the phone and told them this was not my debt. I did not sign up for it and I didnt owe it. I intern called club fitness and spoke to a manager there who said they were going to cancel it because they could see that even though the card was fraudulent, I had never been in their gym. Several other times Ive spoken to the collection agency and told them this is not my debt and that I was a victim of fraud. Now theyve turned it over and reported it to my credit. Its on my credit report and its not fair because I didnt do this. Can you please help me fix this? I have not stepped foot in that gym, ever. This really upsets to me because I honestly did not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: TN

Complaint narrative:
USCB Corporation has repeatedly reinserted XXXX collection accounts on my credit report after they were previously disputed and deleted. The accounts are for {$1500.00} ( opened XX/XX/XXXX ) and {$2000.00} ( opened XX/XX/XXXX ). This is an unverified private tuition debt from XXXX XXXX XXXX XXXX I never enrolled in, never attended, and never received any services or education from. I do not owe this money. I have formally disputed these accounts approximately 7 times through the credit bureaus, and the collection agency continues to illegally reinsert them onto my file without providing legal validation or the required statutory notice of reinsertion under the Fair Credit Reporting Act ( FCRA ). This constant deletion and re-reporting constitutes a severe and repetitive violation of consumer protection laws.

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 2026-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Threatening me about debt I have no knowledge about

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 2026-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am requesting an investigation into the servicing, accounting, and credit reporting of my Credit Acceptance automobile loan account # XXXX. I financed a vehicle in XX/XX/XXXX. The amount financed was approximately {$25000.00} at a XXXX XXXX XXXX. Despite making numerous payments on the account, the current balance is reported as approximately {$26000.00}, which is higher than the amount financed. After reviewing the transaction history provided by Credit Acceptance, I have concerns regarding : Multiple payment reversals. Multiple interest reversals and recalculations. Repossession-related charges and adjustments. Application of GAP-related credits and other account adjustments. The calculation of the current balance and past-due amount. The accuracy of the delinquency reporting to the credit bureaus. Credit reporting currently reflects a XXXX day delinquency and reports that only 45 % of payments were made on time. However, the transaction history reflects payments being made, including payments in XXXX. I am requesting documentation showing how Credit Acceptance calculated the delinquency status, how each payment was applied, and the basis for reporting the account as 120+ days late. I am requesting that Credit Acceptance provide : XXXX. A complete payment-by-payment accounting. 2. A principal and interest breakdown from loan origination to present. 3. Documentation supporting all payment reversals. 4. Documentation supporting all repossession-related charges. 5. Documentation supporting the current balance and past-due balance. 6. Verification of the information reported to the credit bureaus. I am not alleging that the APR itself was undisclosed. Rather, I am requesting an investigation into whether the account has been serviced, calculated, and reported accurately. I have attached supporting documentation, including the retail installment contract, transaction history, and credit reporting 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 explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
They keep on calling me a hand full times a day more than they are 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 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Group LLC
State: GA

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: IN

Complaint narrative:
Subject : Failure to XXXX XXXX XXXX XXXX. Complaint Details : I am filing a formal complaint against Chime for failing to credit a promotional sign-up bonus after I fulfilled all legal criteria. I opened my Chime account via a referral link provided by XXXX XXXX on XX/XX/year>. Within the required 45 days of account opening, I received a qualifying direct deposit of over {$200.00} from my traditional employer on XX/XX/year>. Chimes automated system failed to track the referral, denying the payout to both myself and the person who referred me. When my referrer contacted Chime customer support within the allowable dispute window, a Chime supervisor explicitly instructed them to wait 30 days for the bonus to post.We followed Chimes instructions. Now that the 30 days have passed, Chime support is refusing to honor the payout, claiming it is past an internal 60-day deadline. Chime is using a delay caused entirely by their own supervisor 's instructions to deny a contractually promised promotion. I have provided proof of my traditional employer direct deposit and demand that Chime manually credit my account for the sign-up bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, i did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
I bought a couch for {$300.00} on XXXX XXXX from XXXX XXXX in XXXX, Ohio. She told me I had to send half the money upfront to hold the couch and then the rest was needed for the delivery truck from her uncle. I sent money to her on Cash App. I disputed the claims with Cash App and XXXX XXXX and neither of them will help me and keep denying the claims have any merit and that the other party is responsible. Then Cash App ended up refunding 1 of the transactions and confirmed it was a scam. They gave back {$150.00}. But they have taken over 2 months researching the other transaction and they continuously deny the transaction. They confirmed it was a scam. I need them to refund the remaining transaction. I have proof and screenshots with XXXX asking for the money and then blocking me on XXXX and the speaking with my husband. She claims to have crippling XXXX and got stressed out and thats why shes didnt deliver the couch. She spent the money on her electric bill and has still not refunded us through Cash App. She sent a picture of her bank account not even having {$1.00} in it. Im not trying to be rude but thats not my fault. She still could have at least given us the couch but she didnt even do that so now we have no couch and have been taken advantage of for {$300.00}. This should not be denied and the very least her Cash App account should be deactivated because she never provided the goods sold and took our money. Please help me. Cash App keeps refusing to help me. The issue is, she never delivered it so it is fraud. She took the money and spent it without delivering it. So it is fraud and a scam. And her XXXX did show she just did this to someone else too. And now her XXXX is deactivated. Please refund my money. This is insane the amount of time this is taking to give me a refund. I submitted another CFPB complaint and was told to enter another dispute with Cash App because they could not verify my account. That complaint was closed out and then the 4th dispute with Cash App was denied. This has been going on since XX/XX/XXXX. I followed instructions you provided and it was still denied with no explanation on why it was denied again. Please help me get this money back. It doesn't make any sense to confirm one transaction was a scam to the same woman and then continuously deny the second transaction to the same woman for the same couch. My Cash App user name is $ XXXX I need to include this so you can find my account to see what account XXXX talking about since you said you cant verify I am the account holder. My maiden name is XXXX XXXX. I don't know how else to verify this is my account because I am submitting a claim with all the information I have including screenshots of my account. I am also including a picture showing Cash App did indeed confirm one of the transactions was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: Mobiloans, LLC
State: HI

Complaint narrative:
I am a permanent resident of the State of Hawaii and a XXXX military veteran suffering from service-connected XXXX and XXXX XXXX XXXX. I am filing this complaint against Mobiloans , LLC ( Account # XXXX ) for usurious lending and willful violations of the Fair Credit Reporting Act ( FCRA ). 1. Violation of Hawaii Small-Dollar Lending Laws ( XXXX XXXX ) : In XX/XX/XXXX, Mobiloans issued me a line of credit with an effective APR of approximately 405 %. Under Hawaii Revised Statutes XXXX, all small-dollar installment loans or lines of credit provided to Hawaii residents are strictly capped at 36 % APR. Lenders who are unlicensed in Hawaii and exceed this cap provide contracts that are null, void, and entirely uncollectible from inception. 2. Rejection of " Tribal Immunity '' and the " True Lender '' Doctrine : Mobiloans claims to be exempt from Hawaii law due to tribal affiliation. However, as established in the landmark enforcement action CFPB v. XXXX XXXX XXXX, et al., such " XXXX '' schemes do not allow non-tribal service providers to bypass state usury laws. I am asserting the " True Lender '' doctrine : since the economic risk and infrastructure are handled by non-tribal entities, Hawaiis 36 % cap applies. 3. Willful Refusal to Comply : On XX/XX/XXXX, I received a response from " XXXX XXXX '' ( attached ) explicitly stating that they are " not subject to any state laws '' and that I " waived '' my state 's requirements. Under Hawaii law, a consumer can not waive protections against a void and illegal contract. This email is evidence of Mobiloans willful intent to ignore the statutes of my home state to facilitate predatory lending. 4. FCRA Violations and Emotional Distress : Mobiloans is currently reporting a balance of {$810.00} to XXXX. Because the debt is void under HRS XXXX, the legal balance is {$0.00}. By knowingly furnishing inaccurate data to a credit bureau ( 15 U.S.C. 1681s-2 ), Mobiloans is causing severe financial harm. This ongoing " Ghost Debt '' is directly aggravating my XXXX and XXXX, causing extreme XXXX and sleep loss, which I am documenting for potential litigation.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am the victim of identity theft. The debt being reported in my name was not opened, authorized, or incurred by me. I did not give the creditor or any debt collector permission to access or use my consumer report for this account. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for a permissible purpose. Because this account was created through identity theft, no permissible purpose existed for obtaining or using my credit information. I provided the creditor/collector and the credit reporting agencies with an identity theft report and documentation showing that this account does not belong to me. Under 15 U.S.C. 1681c2, the credit reporting agencies are required to block all information that results from identity theft within four business days of receiving proper documentation. Despite this, the account continues to appear on my credit report and is being used to attempt collection. I have repeatedly disputed the account and requested blocking under 1681c2, but the company has failed to remove or cease reporting the fraudulent information. Their continued reporting and collection attempts are harming me financially and violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB require the company and the credit reporting agencies to : Block and remove all information related to this identitytheft account Cease all collection activity Confirm in writing that the account has been permanently removed from my credit file I am exercising my rights under the FCRA and requesting enforcement of 15 U.S.C. 1681b and 15 U.S.C. 1681c2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
I used Abound by XXXX XXXX XXXX XXXXXXXX to send money from my XXXX XXXX XXXX account via XXXX to my own XXXX account in XXXX. The XXXX debit cleared on XXXX XX/XX/year>. Abound promised delivery within XXXX days, but the funds have not been credited to my XXXX account. Abound has not provided a XXXX, payout trace, receiving bank confirmation, or refund. Their latest response says they are waiting for confirmation from a banking partner, but this has already been delayed for about XXXX month. I am requesting a full refund to my original XXXX XXXX account or immediate credit to my NRE account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/XXXX Ally Bank restricted and then closed my account. I was initially told there were concerns regarding a deposited check. Ally stated they needed to verify the deposit with my employer, which was done. Despite this, my account remains in closure processing and my funds have not been released. I have contacted Ally multiple times and have received inconsistent information from different representatives. I am requesting that Ally provide a clear explanation for the delay and immediately release any funds that belong to 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 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
Covington credit charged off my debt, yet they are still reporting a balance. This account was paid through a collection agency. I have disputed this multiple times with the credit bureaus.Yet they refuse to fix it, and even validate that the wrong information is right. I want them to completely remove their account from my credit report

Company response to consumer: Closed with explanation