An influx in credit card complaints to the Consumer Financial Protection Bureau (CFPB) proves that many consumers are having difficulty understanding the terms and conditions of their cards, The Associated Press reports. The CFPB was enacted this past summer as a stipulation of the Dodd-Frank Act. It serves as a facilitator for disputes between credit card issuers and their customers. A recent report released by the CFPB stated that it handled more than 5,000 complaints and questions in the three months since its opening. Many of the problems stemmed from issues related to debt collection practices, account closures, identity theft and fees. "We are learning that there is a lot of confusion about credit card terms," said Raj Date, special advisor to the treasury secretary for the CFPB, as quoted by the Denver Post. Specifically, the report found a "mismatch between consumer expectations and the way the product functions," the AP explains. At least 75 percent of the disputes were either fully or partially resolved by the card issuers.