vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 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: GA

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 2026-04-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TN

Complaint narrative:
I sent {$450.00} through Cash App on XX/XX/XXXX and XX/XX/year> as a deposit for a custom dress totaling {$950.00}. The seller failed to provide the serviceno completed product, no consistent communication, and no delivery. On XX/XX/XXXX, the seller agreed to provide a partial refund, but after agreeing, they stopped responding completely and are now unreachable. Their social media accounts are deactivated and they are not answering calls or messages. I submitted a dispute to Cash App with full screenshots of the agreement, lack of delivery, and the sellers promise to refund. Cash App denied my dispute stating they could not confirm it was a scam, but did not explain why my evidence was insufficient. This is a clear case of services not rendered and a broken refund agreement. I am requesting that Cash App re-evaluate this case and provide reimbursement or a clear explanation of why this situation does not qualify under their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: MA

Complaint narrative:
Account type : Checking account Issue : Bonuses, rewards, or promotional offers not honored On XX/XX/XXXX, I received a targeted promotional email from Morgan Stanley Private Bank ( E * TRADE ) offering a {$300.00} bonus for opening a new checking account by XX/XX/XXXX and receiving at least two direct deposits of {$1500.00} or more within 90 days. The email stated no other conditions. I opened account XXXX on XX/XX/XXXX and received four qualifying ACH direct deposits from XXXX XXXX XXXXXXXX exceeding {$1500.00} each, well within the 90-day window. I called customer service five times specifically to confirm my enrollment. On the second call, a representative confirmed " All is good, I made a note, you are enrolled '' and submitted an internal request to the marketing department. That request was denied internally without ever notifying me. I continued directing deposits to the account in reliance on the enrollment confirmation. Only on my fifth call, after requesting a supervisor, was I informed for the first time that the denial was due to a " promotional code '' not being attached to my account a requirement that appears nowhere in the promotional email and was never disclosed during any of the five calls. On XX/XX/XXXX, I sent a formal Chapter 93A demand letter via certified mail, facsimile, and E * TRADE secure message. Morgan Stanley acknowledged receipt on XX/XX/XXXX but has not responded substantively after more than 30 days. I am requesting that Morgan Stanley honor the {$300.00} bonus and provide a written explanation of why an undisclosed requirement was used to deny a promotion I was explicitly confirmed to have been enrolled in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am formally disputing a collection account that has appeared on my credit report which I do not recognize and have no knowledge of. I have never incurred or authorized this debt, and it remains unverified. In addition, I have been subjected to repeated and aggressive collection attempts through various channels, including threats of legal action. This situation is both distressing and unacceptable, as it reflects inaccurate information on my credit report and violates my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been receiving calls saying I took out a payday loan from XXXX XXXX XXXX I have explained that I did not do this and that the state I have lived in for over 10 years does not even have a location for XXXX XXXX XXXX. I have asked for the information showing I owed this loan to be sent via mail or email and the company has refused every time. They have been calling me for several months and I can not get any information from them. Every time I ask, they just say if you will just pay {$5000.00} it will go away. I have explained multiple times that I want proof of this loan and I am not going to pay anyone over the phone with no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Freedom Mortgage discriminated against me in the underwriting process by subjecting my refinance application to excessive verification demands based solely on my FMLA paternity leave status. These delays directly caused the rejection of a loan I was clearly qualified for. My only disqualifying factor was taking legally protected leave to care for my XXXX XXXX. This is my second CFPB complaint against Freedom Mortgage for this loan. My first complaint was filed earlier this year after Freedom Mortgage went silent on my application for over a month a delay I believe was rooted in the same excessive scrutiny applied to my FMLA paternity leave status. That complaint was resolved when they reopened my application. When the process resumed, nothing changed. Despite being continuously employed and receiving full pay throughout my leave, Freedom Mortgage subjected me to repeated and escalating verification demands exclusively centered on my FMLA status and intent to return to work. I provided employer verification, paystubs confirming uninterrupted compensation, a signed intent to return letter, and verbal confirmation on a recorded line. It was never enough. These demands were not standard underwriting practice. They were discriminatory in their outcome regardless of intent. A fully employed, fully paid borrower with a perfect payment history was treated as a credit risk for one reason he was on paternity leave. Had I not taken legally protected FMLA leave, this loan closes months ago without incident. The delays caused by this excessive scrutiny pushed my closing past its original timeline. By the time Freedom Mortgage was satisfied, industry layoffs had affected my employer and prospective employer. I provided documented liquid assets well exceeding my loan balance, a perfect payment history, and a refinance that would have reduced my monthly obligation. Freedom Mortgage is now declining to proceed citing an income gap that exists solely because their discriminatory delays created it.

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America is holding a check deposit of {$4600.00} since XX/XX/year> under investigation with no resolution. The check was issued to my company, XXXX XXXX XXXX, by the client. The client has already confirmed to XXXX XXXX and Bank of America that the check is legitimate and authorized. XXXX has attempted to cancel the check to reissue payment, but Bank of America has not released or returned the funds. It has been many months without resolution or timeline. I am requesting immediate release or return of the funds.

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
Received a call that identified by caller ID as Santander Bank. Was told that my account had beed compromised by purchases made at XXXX XXXX in XXXX. They asked if I made these charges. When I said no, they told me my account had been compromised and I needed a new debit card. They went on to say that I would get a text and to tell them thge code on the text. I did and they asked for my pin number which I gave. I later found out that they gained access to my checking account and made a purchase thru XXXX XXXX. When I reported the fraud the bank told me that they ( scammers ) have sophistcated ways to make the phone appear from the bank and by giving them the access code from the text and my pin number they were able to steal my money. Santander has refused to credit my account for the fraud because the scammers had access to my pin number. I only gave that info away because I was convinced I was talking to the bank. I am XXXX XXXX XXXX and a XXXX XXXX, and a XXXX. Its unfair that Santander has taken this position

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 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
When I recently checked my credit report. I noticed that I had multiple collection and closed accounts. All of these accounts, I had no knowledge of. They have been open and used without my consent. I reached out to these companies and financial institutions to get an understanding of how these accounts had been opened. As well as to let them know that I had no knowledge of them and that I had been a victim of Identity theft. These accounts are as follows : Nissan Motor Acceptance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
XXXX Greetings, hereby I claim several transactions that I did not make under my checking account and I had fraud alerts that when I realized They emptied the account, the XXXX XXXX XXXX debited me all my leftover student loans, I want my money back. It is definitely a fraud, possibly they stole my card details and my identity and bought with it. I am very worried about Why didn't I do them? I need you to guarantee my money. I received a total of XXXX from XXXX University and I no longer have them, so I ask that they be the most just possible and I get my money back, it is my support for my education, please and thank you for your help. And for this reason I have presented filed a federal complaint with the federal trade commission and have filed an identity theft report for which the reference number is XXXX Explain that the amount adds up to XXXX usd between all the transactions. I also have unauthorized XXXX transactions the thieves They also used XXXX to commit the crime. Among others transactions more I ask that you check all the possibilities of fraud I also realized that they are using XXXX XXXX I did not authorize these transactions. I'm also seeing a XXXX in the name of XXXX XXXX, this is where the security of this bank is. None of the above transactions are authorized. There are more businesses like XXXX and XXXX among other transactions marked in yellow all statements. XXXX XXXX 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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Someone walked into a citibank branch in the XXXX XXXX XXXX on Saturday XX/XX/XXXX and first moved {$5000.00} from checking to saving and then withdrew {$4500.00} cash also from my checking.I was always in possession of my atm card/pin and driver 's license. I notified the bank on Monday XX/XX/XXXX by starting an action with my local XXXX XXXX branch manager. I opened a new checking and savings account. Now as of XX/XX/XXXX, I have not received the funds back. I have not been provided a picture of who did this and the bank has never once reached out to me to give me the status.

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 2026-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am submitting this complaint regarding my XXXX XXXX credit card issued by Comenity Bank. I have maintained a strong payment history and have not missed any payments on this account. I entered into an 18-month promotional financing plan with the understanding that it was no interest if paid within the promotional period. When I reviewed my recent statement, I discovered that approximately {$2000.00} in deferred interest had been added after the promotional period ended on XX/XX/year>. I immediately contacted customer service and even requested a supervisor, but was told no assistance could be provided. I take responsibility for the remaining balance ; however, I was not aware of the significant deferred interest impact and would have paid the balance in full had I fully understood the consequences at that time. Given my positive payment history and intent to resolve this account, I am requesting a one-time goodwill adjustment to remove or significantly reduce the deferred interest charges. I am willing to pay the remaining balance promptly if a reasonable resolution can be reached. I respectfully ask that this matter be reviewed by the appropriate team for a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the days of XX/XX/year> I made a payment of {$2000.00}, on the XXXX mad a payment of {$2500.00} and on the XXXX a payment of {$1600.00} was made to pay off my car loan that is done through Chase bank. Following this payment it showed the loan paid off and closed. About a week later I got a call from the branch manager asking if I had taken money from them as they were short {$2500.00} on the same day I made the payment on the XXXX. I told her no and that now cash was involved and that I used a debit card from a different bank to pay on the loan. I then went up to the branch and talked to her in person. I showed her the receipts of the money getting pulled off my card from the other bank and that they put the money which is the amount of XXXX dollars on my loan. Then on XX/XX/year> that they reversed the payment and reopened the Loan. At this time, I call Chases auto loan team and told them everything going on. They said I would get a check in the mail of {$2500.00} as a refund. After two weeks the check never came, and I got with them again and explained everything to this point and send them documentation showing that I paid. They said they would investigate and would have something on XX/XX/XXXX. On XX/XX/XXXX, I called them to get an update, and they said that I would need to go to the branch again and show documentation and request video from XX/XX/XXXX showing me make the payment. I went up to the bank on XX/XX/XXXX and talked to their operation lead of the branch for chase in XXXX Texas. I showed her all of the receipts from the payment and a bank statement showing that the money was pulled out by chase. I told her that the Auto loan part of chase wanted me to ask them send video of the day of payment from me on XX/XX/XXXX and the branch told me that they do not have access to the footage at the bank. I got back with the Auto loan part of chase and now they are telling me the same things and sending me in circle. Due to this issue, they are trying to make me make payments that were due on XX/XX/year> on something I have already paid off. They will not do anything until video is shown which I have no direction of how to do that. Even though I have shown them receipts of payment, shown them the let that chase sent saying congrats on paying off my loan and also that I have the Title to the car. I really need help with this as I have done everything possible and getting no solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: FL

Complaint narrative:
I am filing this complaint regarding a CareCredit account issued by Synchrony Bank in connection with services sold by XXXX XXXX. I am XXXX XXXX XXXX and sought treatment for XXXX. At the time, I was experiencing significant pain and distress. During this vulnerable state, I was presented with a costly treatment plan and pressured to immediately sign financing documents. I was not given adequate time to review the terms, ask questions, or fully understand the financial obligation. The total amount financed was approximately {$11000.00}. The treatment was represented as effective for my condition ; however, I later learned there is no credible scientific evidence supporting these claims for my specific type of neuropathy. Important details about the treatment, including its limitations, duration, and likelihood of success, were not clearly disclosed. Only one treatment session was provided. Shortly thereafter, I made a timely request to cancel the program upon realizing that the services were not as represented and that I had been misled. Despite this, the financing account remains active, and I have been denied cancellation of the debt. This is not a case of buyers remorse. I entered into this agreement based on misleading information and under pressure during a time of physical pain and vulnerability. The provider failed to deliver the promised services, and the financing company has refused to reasonably investigate or resolve the dispute. Given my age and the circumstances under which this agreement was obtained, this situation raises serious concerns regarding the exploitation of a vulnerable consumer and the extension of credit tied to misrepresented medical services. I am requesting that this account be dismissed in full, with no negative credit reporting, due to the deceptive circumstances under which it was created.

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 2026-04-20 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: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, my account with Square was compromised and experienced multiple unauthorized transactions. These included two charges of {$990.00} at approximately XXXX XXXX, as well as additional charges from a merchant labeled XXXX in the amounts of {$1300.00}, {$670.00}, and {$870.00}. Following these transactions, I received only a partial adjustment of {$1300.00}. An outstanding balance of {$620.00} from the unauthorized transactions has not been returned. Since XX/XX/year>, I have made multiple attempts to resolve this issue by contacting Squares customer support. I have called several times over the course of more than six weeks. During these interactions, I was repeatedly told that my account was under review, but I was not provided with a clear explanation, timeline, or resolution. I was also unable to speak with a supervisor or accounts department despite requesting escalation. On XX/XX/year>, I contacted support again regarding {$400.00} remaining in my account, which had been locked and unavailable for transfer. I complied with all requests from Square, including uploading documentation and answering verification questions over the phone. I was told that the review would be completed within 48 hours. On XX/XX/year>, the {$400.00} appeared in my account ; however, I was still unable to transfer the funds. Later that same day, the entire {$400.00} was removed from my account as a sales adjustment without explanation, authorization, or prior notice, leaving my account balance at {$0.00}. I contacted Square again on XX/XX/year>, and was told the account was still under review. I requested to speak with a supervisor or accounts department but was denied. I was given inconsistent information regarding escalation timelines and did not receive a clear answer regarding the removal of funds. To date, I have not received the remaining {$620.00} from the initial unauthorized transactions, nor have I received an explanation for the {$400.00} removed from my account. I also continue to experience lack of access to my funds and lack of clear communication from the company. I have made repeated good faith efforts to resolve this issue directly with Square, but the matter remains unresolved.

Company response to consumer: Closed with explanation