vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX I opened a money market savings account with 5/3rd Bank using a promo code offering me 4.75 % APY guaranteed until XX/XX/XXXX. I transferred funds into the new account and received interest payments shown on my statement of 4.75 % until my statement of XX/XX/XXXX when the rate dropped to 4.74 %, and to 4.49 % on the statement of XX/XX/XXXX. When I called the Bank on XX/XX/XXXX and talked to my Personal Banker, I asked when the rate would change after the guaranteed rate lock of XX/XX/XXXX and was informed by her that she wasn't sure, but to call each day. I contacted all three Bank reps, including an asst. vice XXXX of Preferred Relationship Manager, and I was informed of the same thing, that my rate was still at the 4.74 % rate and to call each day to confirm when it changes. I continued to call to check my account rate and on XX/XX/XXXX and was told by an unknown bank employee that my rate was now at 2.65 %, which at that time I asked to set up a meeting with my Personal Banker to transfer the funds out of my account. I was informed that the personal Bank I worked with was unavailable put that could meet with another personal Banker. I met with him the next day to transfer the funds. When I met with The Personal Bank on XX/XX/XXXX he stated that I was still receiving the 4.74 % rate for my funds, and that the employee I spoke to over the phone had probably quoted me the standard rate for the account, he physically turned his computer monitor to show me proof of the 4.74 % rate on my account on XX/XX/XXXX. At that time I informed him that I would keep the money in the account until which time the rate changed. He told me to keep calling and they would inform me when the rate changes. I called on XX/XX/XXXX and was informed it had changed to 2.65 %, so once again I setup an appointment for the next day on XX/XX/XXXX to have the funds transferred. I also at this time received my statement for XX/XX/XXXX which I took with me for the most recent account summary showing the 4.49 % rate to get an explanation. When I asked how the rate could drop when I had been checking with the Personal Bankers at the bank on the rate, the Personal Banker told me he had talked to their I.T. department and they blamed the rate posting delay to the proper rate posting on a " computer glitch ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I leased a vehicle through Genesis Finance from XX/XX/XXXX to XXXX. During the lease, the vehicle had recurring mechanical issues including turbo failures that required it to be returned for service multiple times. On the final occasion, Genesis Finance directed the vehicle to the wrong location. As a result of their error, the vehicle was never returned to me. Genesis Finance verbally acknowledged the return. Despite this, they charged off the account and reported a balance of {$1400.00} to XXXX as a charge-off, which remains on my credit report as of XX/XX/XXXX. I did not default. The charge-off and balance are the direct result of Genesis Finance XXXX own logistical error. I have sent a formal written dispute to Genesis Finance requesting removal of the charge-off and correction of the balance to {$0.00}. I am requesting the CFPB require Genesis Finance to remove the charge-off status from all three credit bureaus and correct the reported balance to {$0.00}.

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 2026-03-09 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding an unresolved fraud issue with my Target XXXX XXXX account. My Target credit card was stolen, and I reported the fraud to Target XXXX XXXX on XX/XX/XXXX. The fraudulent charge totaled {$200.00}. At the time I reported the fraud, I was told that I would not be responsible for unauthorized charges and that my account autopay would no longer be active. I called Target XXXX XXXX on XX/XX/XXXX to ask for a status update on my claim and I was reassured that I wouldnt be responsible for any payment or interest. They also reassured that auto pay was turned off. Despite this, Target processed an automatic payment toward the fraudulent {$200.00} charge on XX/XX/XXXX after I had already reported the card stolen and was told autopay had been XXXX. I contacted customer service again ( XX/XX/XXXX ) to resolve the issue, but they have refused to refund the payment that was applied to the fraudulent transaction. This call was extremely frustrating because I was transferred back and forth, placed on hold multiple times, and hung up on once. This charge was unauthorized, and it was reported promptly. Under the Fair Credit Billing Act, I should not be held responsible for fraudulent charges made on a stolen credit card. Additionally, the payment was processed after I was informed that autopay had been turned off. I am requesting the following resolution : Removal of the {$200.00} fraudulent charge from my account Refund of the payment that was processed toward this fraudulent charge Written confirmation that my account will not be held liable for unauthorized transactions related to the stolen card I have made multiple attempts to resolve this issue directly with Target XXXX XXXX but have not received a satisfactory resolution. I am requesting that this matter be reviewed and corrected promptly. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding the conduct of a representative of Coast Professional , Inc. who identified herself as XXXX XXXX XXXX XXXX XXXX ). During a phone call regarding an XXXX debt referred to the XXXX Treasury, the representative spoke in an aggressive and unprofessional manner and repeatedly pressured me for personal information that I did not feel comfortable providing. Even after I indicated I was not willing to share additional personal details, the questioning continued in a way that felt harassing and intrusive. The representative also made statements about garnishing Social Security benefits that were presented in a threatening manner. I am requesting that this interaction be formally reviewed and that appropriate action be taken to ensure that future communications are conducted professionally and in compliance with federal debt collection standards.

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 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear XXXX XXXX I hope this message finds you well. I am writing to request your consideration for a goodwill adjustment regarding a late payment reported on my account, for the months of XXXX to XXXX I sincerely regret the late payment and want to assure you that it was an isolated incident. I have been a loyal customer since XXXX, and I have consistently made timely payments before and after this occurrence. Unfortunately, unexpected financial hardship and medical emergency led to the delay. Because this late payment does not reflect my usual credit behavior, I respectfully request that you remove the negative mark from my credit report as a gesture of goodwill. Doing so would greatly assist me in maintaining a strong credit profile, which I value deeply. I understand that this request is at your discretion, and I genuinely appreciate your time and consideration. Thank you for reviewing my account history, and I hope we can resolve this matter positively. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The disputed charge originated from an unauthorized hotel reservation that was booked through XXXX. I attempted to resolve the issue with both XXXX and the hotel merchant, but the charge remained on my account, which led me to open a dispute with Capital One. I disputed the hotel charge from my Capital One checking account and was initially given a provisional credit while the dispute was being investigated. On XX/XX/XXXX, I received an email stating that my initial claim ( Claim # XXXX ) for {$350.00} had been received on XX/XX/XXXX and that I had until XX/XX/XXXX to submit supporting documentation. However, on XX/XX/XXXX, I received another email stating that my claim had already been denied, even though the deadline to submit evidence had not yet passed, which did not provide me with a proper opportunity to submit my documentation. On XX/XX/XXXX, I called Capital One and submitted the requested evidence through email and asked that the dispute be reopened and reviewed. On XX/XX/XXXX, I received a call from Capital Ones debt collection department attempting to collect {$350.00}. The representative stated there were no notes on my account regarding the dispute. I was transferred to customer service where I was told that my evidence was received and the account had been previously noted to escalate the dispute and that it was unusual that the issue had not been resolved and didnt have an estimated time of when it would be reopened. Despite this, the dispute was never reopened and the evidence I submitted was not reviewed before the account was sent to collections. When I contacted collections, I was told they could not remove the account from collections because there were no notes showing the dispute had been reopened. As a result, the account was sent to collections while the dispute and escalation were unresolved. I am requesting that Capital One reopen the dispute, review the evidence I submitted, and correct the account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart
State: MO

Complaint narrative:
I lease a vehicle through InstaCreditAutoMart, on XXXX XXXXXX/XX/year> I was supposed to be paid through my job, I get paid through XXXX XXXX and XXXX was hacked and down for days so I didnt receive my paycheck until late XXXX night. My house rent was due as well on Wednesday but since I didnt get my usual direct deposit ( as XXXX XXXX down ) I had a 10 % late fee added to my house rent. So ahead of time I called InstaCreditAutoMart on XXXX XXXXXX/XX/year> and asked if I could reschedule my payment, I was approved and told I would make my car payment on XXXX XXXXXX/XX/year> by a worker named XXXX morning on XX/XX/year> my card was unexpectedly charged for InstaCreditAutoMart for a charge of XXXX XXXX so I immediately called within the first XXXX my card was charged around XXXX. I spoke with a lady named XXXX, she told me that she did see in their system on her end that I was not to be charged until XXXX and that XXXX did leave notes in their system, but she proceeded to tell me the XXXX who could do the refunds would not be in office until XXXX XXXX XXXXXX/XX/year> and that I would have to call back then. So I called back today on that date and explained again my situation, once again I was told they seen the error in their system and that this was a problem on their end so I was told by XXXX and XXXX on XX/XX/year> that they were speaking with the XXXX named XXXX and that he will not reverse the early charge and he rudely told them to inform me I could just pay my house rent late on XXXX XXXXXX/XX/year> ( the date my car payment was scheduled for ) instead of getting my payment reversed.I am now facing eviction due to InstaCreditAutoMart charging me early than agreed, since I expected them to go through with the agreement set up I was not able to postpone my rent any later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am formally filing a complaint against Paypal for unauthorized charges made while I was sleeping totaling XXXX dollars. My bank resolved them as fraud and did not allow the charges to be deducted from my bank account and now paypal is stating I have a negative balance in my paypal account. I spoke to an attorney and sent them information to formally reverse the charges and make my account back to good standing with a XXXX balance they still have not done that -- - I do not have a paypal credit card but they allowed XXXX to be withdrawn from paypal to a XXXX party account I am demanding that since these charges with made without my consent that all charges are reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This is not a duplicate complaint Complaint # XXXX Company has responded but failed to attach the response. I am looking for the response.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
On Sunday XX/XX/year> I opened my bank account and had seen my card had been charged {$30.00} and {$150.00} on Cash App to purchase bitcoin I have no clue what bitcoin is and I never bought it. And now my money is just gone I believe Ive been hacked because the bitcoin isnt even in the account it says with was withdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Unauthorized electronic transactions totaling {$3700.00} were made from my Chase checking account on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these transactions. I promptly reported the fraud and filed multiple claims with Chase both online and during an in-person branch visit. Chase denied three claims and simply stated that the transactions were authorized, but has not provided any evidence demonstrating that I authorized the transfers. Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693g ), the burden of proof is on the financial institution to show that the transfers were authorized. Chase has refused reimbursement without providing proof or documentation of its investigation. I am requesting reimbursement of the unauthorized transactions totaling {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, someone attempted to open a credit card account with Capital One ( the credit card company did not approve ). I contacted Capital One on XX/XX/year> and they placed a ID security alert. I have since reported the fraud to XXXX, XXXX and XXXX. In addition to that, a new address was added to my profile : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX. That address is not associated with me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide validation of this debt. Specifically, please provide : 1. Documentation that you are legally authorized to collect this debt, including the assignment or purchase agreement from the original creditor. 2. The original creditors name, address, and account number. 3. A full accounting of the alleged amount owed, including principal, interest, fees, and charges. 4. A copy of the signed contract or agreement with my signature creating this obligation. 5. Proof of your license and bonding to collect in my state. Additionally, if you are reporting this account to any credit reporting agency, be advised that I am disputing its accuracy. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to immediately mark this debt as disputed with all consumer reporting agencies. Continuing to report unverifiable or inaccurate information violates federal law. You must cease all collection efforts until validation is provided. If you fail to validate, or if you continue reporting unverified information, I will take all necessary actions, including filing complaints with the CFPB, FTC, and State Attorney General, and pursuing my legal rights under the FDCPA and FCRA. This letter is not an admission of liability. It is a request for validation and a dispute of your claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Ive made 2 seperate payments to " Target card services '' for {$120.00} and {$40.00} on XX/XX/year> and it is now XX/XX/year> and my available credit has not been updated. Ive called and spoke to a supervisor and they said they cant update it yet and there is " NO TIMEFRAME '' of when it would be updated. I am reporting this store credit card " Target card services '' for a target store card. They have taken funds out my account and refuse to make funds available. Its been almost 2 weeks and im told theres " no timeframe ''. I offered to call my bank on a conference call to confirm that the payment has been debited from my account to resolve it and they still refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Subject : Request for Reversal of Deferred Interest CareCredit Account Ending in [ XXXX ] Background of Dispute Transaction Date : XX/XX/XXXX Service : XXXX Treatment Issue : Lack of transparency regarding the promotional " Deferred Interest '' period. At the time of service, the provider did not explain the " No Interest if Paid in Full '' structure or how the outstanding balance would be split across the promotional term. Result : In XX/XX/XXXX, an interest charge of approximately {$970.00} was applied to the account upon the expiration of the promotional period. Action Taken Customer Service Contact : I spoke with a CareCredit ( synchrony ) representative on XX/XX/XXXX who reviewed the account and not agreeing to revert the interest charges. I explain them i don't have inability to pay monthly payment, why information is unclear in first page of statement about 12 months interest free. on XX/XX/XXXX i paid outstanding principal payment. I requested to revert interest charges but negative response. I think CareCredit, synchrony wants patients to unaware of interest free cycle and charge them heavy interest charges .Seems like a fraud. Principal Payment : Original credit amount at doctor office XX/XX/XXXX around XXXX XXXX I was paying monthly balance which was reflected in the monthly statement. on XX/XX/XXXX I have paid the remaining principal balance of {$1700.00} to satisfy the original cost of the treatment. Requested Resolution I paid off outstanding principal amount. I am requesting that CareCredit officially waive and remove the Approx. {$970.00} interest charge from my account statement. I would like written confirmation once the account reflects a {$0.00} balance.

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 2026-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My bank account was closed on XX/XX/XXXX I had a balance on my account of {$930.00}. I was told I was going to receive a check with the {$930.00}. After XXXX months I never received anything so I was told they would send a new check which was sent out on XX/XX/XXXX and it was going to take about XXXX business days. I called the bank and they told me they couldnt do anything that once they sent out the check thats the post offices responsibility not the banks. I did speak to a supervisor from the bank, he was rude like his associates and did not help at all.

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