vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a credit card with Bank of America for around XXXX years. The account was on auto pay and never had an issue. 

On XXXX I called BOFA to cancel my checking account, the auto payment was already set up with my external account from XXXX, which went through without any problem. During closing the account nothing was disclosed regarding potential issues regarding auto payment and that bank of America will delete all my linked external accounts. 

Apparently they canceled my auto payment and deleted my linked external accounts. During XXXX payment they didn't take the payment and never notified me by email or regular mail. The first time I got notified is when my account went delinquent for a month and credit monitoring. 

I tried to solve the issue with BOFA. They claim that I was notified by e-mail and the delinquency will stay. I verified multiple times, never was notified regarding missing payment or canceling auto payment. Even checked spam folder, nothing there. No phone call for missing payment too. I authorize CFPB to get court order for my email and they are free to verify anything they need regarding my case. I wasn't notified, it's unfair to cancel my automatic payment and punish customers for not paying. One would assume banks can charge higher interest rates and fees.

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 2026-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I deposited a check of {$10000.00} to US Bank on XX/XX/year>. They immediately put a Notice of Hold on the amount of {$10000.00} with the release of my money scheduled for XX/XX/year>. Later that day both my checking and savings accounts were frozen and put under review for fraud. I spoke with the Branch Manager via phone on XX/XX/year> & XX/XX/year>. He directed me to call US Bank 's Fraud and Dispute number ( XXXX ). When I called, I spoke to a woman who assured me there was no information she could give me as to why my account was being closed. She also told me the US Fraud and Dispute was unable to reverse or appeal the decision as only the Branch Manager where I deposited the check could do that. On XX/XX/year> the specialist at the US Bank Fraud and Dispute number told me that she was unable to tell me when my account would be closed and when the funds would be released to me- and that the process to release the funds has no timeline. They also told me to call the Branch Manager back at the US Bank location where I deposited the check and ask for their Fraud & Dispute department. I explained all of this to the Branch Manager at the US Branch location where I deposited the check and he admitted that they don't have a Fraud & Dispute department and that the US Bank Fraud number he provided as directed by the notes in my account was " giving me a run around. '' At that point in time, I decided to file a complaint with that US Bank 's location. The Branch Manager filed it online in their system on XX/XX/year> while I was on the phone. Immediately after our conversation I sent an email documenting our conversation and requesting a copy of my complaint. I have yet to hear back. As of XXXX CST on XX/XX/year> the {$10000.00} has been fully deposited in my savings account, but I am unable to access the funds because my checking and saving accounts are frozen and set to be closed at an undisclosed time.

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 2026-01-23 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: IL

Complaint narrative:
XXXX is holding my business funds solely based on receipt of a XXXX financing statement from a private party. A XXXX filing does not authorize XXXX or restraint of funds absent a court order. XXXX has confirmed no court order exists but continues to withhold tuition payments necessary to operate a licensed childcare facility. 

I have sent multiple emails to square to clear this situation up. 

{$1000.00} XXXX XXXX to XXXX from XXXX {$230.00} XX/XX/year> {$230.00} XX/XX/year> {$230.00} XX/XX/year> {$230.00} XX/XX/year> {$97.00} XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed into fraud by deception by a seller on social media ( XXXX ). They pose as a legitimate business that sells auto parts. They post pictures and videos. They had a part I wanted, sent me a picture to confirm, and requested payment via XXXX. Upon completing the transaction, they gave me a receipt and tracking. Both of which are fraudulent. The seller has no intention of selling and sending the part I purchased. And continues to deceive the public. The transaction took place on XX/XX/year>. I filed a complaint with the FTC and XXXX XXXX XXXX  XX/XX/year>. I also submitted an online complaint with XXXX on XXXX XXXX. I also called Wells Fargo to file a complaint and called XXXX to follow up. 

Wells Fargo denied my XXXX fraud claim despite clear evidence of fraud by deception. I was misled by a seller impersonating a legitimate logistics company and providing falsified tracking and receipts. I promptly reported the fraud, filed FTC and FBI XXXX reports, and cooperated fully. The denial appears to rely solely on the fact that the payment was authorized, ignoring the deception involved. I am requesting reimbursement and a fair review under consumer fraud protections. 

FBI XXXX submission ID XXXX FTC Report # XXXX FBI XXXX Supplement submission ID XXXX XXXX fraud claim # XXXX Wells Fargo claim # 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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I can't open a bank account or. Cash a check due to someone else used my info to do some fraudulent activity for themselves and they affected me very bad I would like to get help.. please and 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 explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
XXXX filed dispute with my chine bank for all my unauthorized charges on XXXX XXXX that were connected to this card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I made the purchases through XXXX their profile was Luxary bags and these were supposed to be XXXX  presents. Didnt realize it was a scam until what I thought was bag turned out to be a XXXX doll. I think its says XXXX XXXX XXXXXXXX bags. XXXX for XXXX transactions. Navy Federal gave me my 3 transactions of XXXX and they weeks later took it back. I provided emails and the online transactions more than once. They are asking for invoices but I can only give what was given to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AUTO MARKET OF FLORIDA, CORP
State: FL

Complaint narrative:
b'On XXXX XXXX XXXX, I mailed a certified letter (Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX to Auto Market of Florida at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The letter requested documentation related to a vehicle repossession, specifically under Florida UCC Article 9. I requested the following items:\n\nNotification before Disposition of Collateral\n\nTimeliness of Notification before Disposition of Collateral\n\nContents and Forms of Notification before Disposition of Collateral\n\nExplanation of Calculation of Surplus or Deficiency\n\nCopy of the Retail Installment Sales Contract\n\nAccount Payment History\n\nTo dateXXXX XXXX XXXXAuto Market of Florida has not responded to my request. This lack of response violates my rights under the Uniform Commercial Code, particularly Article 9, which governs repossession and post-default notifications. I am submitting this complaint to formally document that Auto Market of Florida failed to provide the required disclosures within the 14-business-day timeframe as requested.'

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: NE

Complaint narrative:
My U.S. Bank mortgage was approved for a 3 month forbearance / mortgage assistance program around XX/XX/XXXX. The packet from the bank and their online system at the time agreed I did not need to begin payments again until XX/XX/XXXX. 

I was then able to sell the home in XXXX XXXX, thereby paying off the mortgage loan balance in full before the end of the forbearance window. 

Two months later in mid XX/XX/XXXX, two negative credit hits appeared from US Bank on my report, stating I was 30 days past due ... despite the forbearance agreement AND the full payoff. 

I contacted US Bank via phone to advise them of this, and they initiated a credit research. I received a letter saying they found no fault, and that it was correctly reported in XXXX for being past due in XXXX. 

Not only did the report not appear until XXXX, but the mortgage was paid in full before the end of the assistance program, which was not addressed in the letter despite me having explained it to the US Bank representative via phone.

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 2026-01-23 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: Credit Control, LLC
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
CashApp applied AFTERPAY TO MY ACCOUNT BALANCE without my KNOWLEDGE. That is what happened to me. CASHAPP APPLIED MY CASH TO AFTERPAY AND CHARGED INTEREST ON A LOAN THAT I DID NOT NEED NOR DID NOT REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a subscription service charging me that I didnt approve the subscription service reviewed and refunded all of my funds XXXX separate payments all refunded individually XXXX showed up but XXXX were missing wellsfargo credited two and filed a claim for the other XXXX the claim was filed as unknown charges and denied then reopened do to claim being filed under the wrong reason by the bank. I was asked to send proof of all refunds and transactions which were done. The claim was then rewarded in my favor but my funds were not credited too my account. I then talked to a supervisor who told me I would receive an email and my funds would be located I would receive a confirmation email and I would receive a phone call in XXXX hours. After XXXX hours I called and talked to another supervisor who said there was no notes on this ever taking place and told me to deal with the issue through the company that refunded my money refused to submit my complaint on the other manager and hung up in my face with no resolution. These claims started XX/XX/XXXX of XXXX and the last escalation of events was XX/XX/XXXX I have all the paperwork showing I was refunded and paperwork showing my funds were never credited on both the vendor and the bank side

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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
They purchased this debt from XXXX XXXX but theyre falsifying last delinquency date. The original creditors last delinquency has been over 7 years and has been removed from credit report, but theyre extending that date several months further in order to harass me more. They need to remove it from XXXX  credit reporting and quit harassing me for a debt I dont owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: KY

Complaint narrative:
My identity was stolen and as a result my bank account was emptied. I have provided an XXXX and supporting documentation of the theft. SOFI has refused to return my stolen funds. As a result of the theft I lost my apartment. I have been working to resolve this issue and they have refused to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am disputing the validity of a Pay Monthly installment loan due to merchant fraud. The seller used a fake online store ( christmashops ), a non-legitimate shipping XXXX ( XXXX XXXX ), and provided false proof of delivery. 

PayPal denied my dispute solely because the tracking status says delivered, despite the carrier being unverifiable and providing no proof of delivery to my address. PayPal is continuing to demand payment on this loan even though the underlying transaction is fraudulent.

I have already made one payment and am requesting cancellation of the Pay Monthly loan, suspension of further payments, and a refund of the payment made. Continued billing under these circumstances constitutes a billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I have disputed this matter. It is nothing but a false information by this debt collection that whyXX/XX/XXXX removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2026-01-23 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: CA

Complaint narrative:
I have a PayPal Credit account ( managed by Synchrony Bank ) that has special finance purchases permitted with deferred interest if paid within the stated time period. I used PayPal Credit for one purchase which was bellow the special finance amount and I paid more than what was due before the monthly due date. The purchase does not show as carried over on subsequent statements - nor has any interest been applied- but the amount continues to be shown in the total owed and in the minimum payment amounts on line, i.e. I have a special purchase of {$260.00} due XXXX but the total payment due to avoid interest on the summary is {$350.00}. ( The difference is the amount of the non-special purchase minus a vendor credit against that purchase. ) My concern is that the bank is perpetuating incorrect information in order to manipulate customers to pay extra. Also, it is disturbing that the total owed in the summary is also too high/not accurate - it does not equal all of my outstanding purchases. I spoke to the customer service help line in early XXXX and they said they'd fix it and I called again today and they said it will take at least 60 days to dispute a charge which is not really what they need to do. How can a credible bank not have incorrect totals on their customer accounts on line?

Note - just spent 20 min trying to get my full account number and the chatbot says they can not find it even when I'm logged in and it doesn't show in full on my statement. I have included the last 4 only.

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I finished paying the remaining debt on my closed Citi bank credit card and then I wanted to update my personal information ( new residential address ) and the online web portal required that I call an XXXX number to ask for a " One-time Identification Code ''. Because I had to speak out loud to an XXXX representative from Citi bank customer service, he heard the " low tone '' of my voice and ignorantly falsely identified my age and gender as " XXXX  '' ( aka " under XXXX XXXX  '' ) and refused to provide the " One-time Identification Code ''. I am 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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have only been with the Bank of America for a few months and I was skeptical about it because of the complaints. I should have listened! I've been with XXXX for over 20 years and have never encountered the issues ive been having with BofA and I want to warn others to reconsider if you are thinking of banking with them. They have held my funds for over a week, when the same amount has already cleared on the account days ago! The merchant has confirmed several times that they have released any holds and BofA made no effort to assist me and my concern. They also gave misinformation regarding the matter. I wanted to file a formal complaint so they are aware of the horrible customer service and my experience with them for the few months ive been a customer. Having hundreds of dollars of my money on hold for over a week, with NO indication when the funds will be released is insane! Im moving my direct deposits back to my XXXX account and closing this one as soon as I am able to. This is absurd!!!

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