vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX STATEMENT Billing Period : XXXX New balance as of XX/XX/XXXX : {$210.00} Paid in full on XX/XX/XXXX XXXX STATEMENT Billing Period : XXXX New balance as of XX/XX/XXXX : {$140.00} Scheduled for payment in full on XX/XX/XXXX XXXX in line account XXXX Payment due on XX/XX/XXXX Remaining Last Statement Balance {$100.00} As you can see, there is no " remaining balance from last statement ''. It was paid in full. I can not get an explanation for this claim of monies due. current purchases ; {$84.00} in store. {$32.00} gas. - {$33.00} return credit. There is no way to get a balance of {$100.00}. There is also no way to get an explanation as no human is available to explain 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 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I was with cashapp since XXXX XXXX. I recently went into my account and was notified that cashapp had closed my account for breach of service. I contacted them immediately and they gave me an appeal number that is listed above so I already filed an appeal with them yesterday via chat. I'm not sure why they deactivated my account. I believe the last time I used it was on XX/XX/year>. I was trying to receive money via XXXX XXXX but it kept getting denied so I backed out the receipt. What may have triggered this is I was changing banks the end of XXXX and there may have been an issue with that change. I'm only guessing. I use cashapp for bitcoin because it is easier for me to use than some other sites. I realize it may take some time to get my account back but I would really appreciate getting it back so I can use it again. Please advise when I can expect to gain access again since it is the most " usable '' site for me. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Following my XXXX filing on XX/XX/year>, XXXX XXXX. XXXX ( XXXX ) XXXX, Capital One restricted my account. In their written response to CFPB File XXXX dated XX/XX/year>, Capital One admitted : XXXX receipt of correspondence from the Ohio XXXX Rights XXXX XXXX XXXX XXXX your online banking services to ensure we did not service your account inconsistent with that matter. ' Capital One representative XXXX, XXXX ID XXXX, confirmed on a recorded call that the restriction was tied to my filing. No similar restriction or adverse action was taken against XXXX XXXX XXXX XXXX XXXX in connection with the same XXXX correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc.
State: KY

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, KY XXXX ] [ XX/XX/year> ] [ Americas CAR-MART XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, AR XXXX ] Re : Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] To Whom It May Concern : I am writing regarding the alleged auto loan debt referenced above. I dispute this debt and request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following documentation and information : The name and address of the original creditor The original loan agreement bearing my signature Complete payment history on the account Documentation showing I legally agreed to this debt Proof your company has authority to collect on this account The date the debt was incurred and the current amount owed, including fees and interest Copies of any title, financing, or repossession documents associated with this alleged loan Verification that the debt has been accurately reported to all credit reporting agencies If this account resulted from identity theft, fraud, mistaken identity, or unauthorized use of my information, I request that you immediately cease collection efforts and remove any inaccurate reporting from all consumer reporting agencies. Pending proper validation, you must cease collection activity and communication concerning this account except as permitted by federal law. This letter is not an acknowledgment, acceptance, or admission of liability for the alleged debt. Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: Chime Financial Inc
State: MI

Complaint narrative:
On the date of XX/XX/XXXX, I noticed a sting of transactions happening immediately one after another. I immediately froze my account, called Chime, and cancelled my card. The representative I spoke to instructed me to call the next day to block the merchant because they do whatever reason were unable to the first time I had called. As SOON as I noticed these post to my account I contacted Chime. They assured me these transactions would not settle, cancelled my card, and supposedly blocked the merchant from being able to even request any other transactions go through to this merchant. The local police department seems unable to assist at all due to lack of monetary sources for the technology that would be needed to prove that these transactions were not authorized by me. This company has failed miserably in keeping my account safe even though I was as proactive as possible in reaching out to them right away with all relevant and imperative information that they could possibly need to ensure this was taken care of immediately. I've exhausted my resources, time, and have absolutely no money at this point and I do not know what else I can possibly do. This has caused the worst possible strain on my life at this exact point in my life and I do not know how else to prove these transactions did not originate from me- if I did not authorize them, what proof am I able to give them in regards to finding who actually processed these transactions? The company all of these transactions were made out to was XXXX- the parent company of XXXX XXXX I've included screenshot of emails to XXXX- and the numerous attempts I've made to contact them and reach a person but have been unable to. This is an AI company in which it is 100 % impossible to reach a human- which I believe is why Chime is refusing to refund the money that RIGHTFULLY BELONGS TO ME- is because they themselves have been unsuccessful in making contact with this company. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I am filing a formal complaint against Bank of America for failing to properly execute and investigate a billing dispute for services not rendered. I opened a chargeback dispute for a transaction with XXXX XXXX after the carrier cancelled my original flight ( [ Original Flight Number ] ) on [ Date ]. Bank of America closed the dispute in favor of the merchant, claiming the airline 's internal booking terms allowed for the change. However, federal Department of Transportation ( DOT ) regulations explicitly mandate a full cash refund to the original form of payment whenever an airline cancels a flight and the consumer declines the alternative transport offered. By closing this dispute and forcing me to pay for a cancelled service that I explicitly rejected, Bank of America is validating a merchant policy that directly violates federal consumer protection mandates. I have already filed a formal complaint against XXXX XXXX with the DOT. I am requesting an executive review of this dispute by Bank of America and that the funds be permanently credited back to my account due to a total failure of service delivery by the merchant.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I submitted a dispute with Navy Federal Credit Union regarding unauthorized/disputed transactions. My dispute was later denied on the basis that supporting documentation was allegedly not provided. After receiving the denial, I contacted NFCU directly and spoke with representatives who confirmed that my supporting documentation had in fact been received and was visible in their system. Because the original denial appeared to be based on incorrect information, I requested that the dispute be re-reviewed. Approximately XXXX weeks have passed since I requested the second review/reconsideration, and I still have not received a meaningful update, written explanation, or final response regarding the status of the review. Despite follow-up attempts, NFCU has not clearly explained why the dispute was denied when the documentation was reportedly already available. I believe NFCU failed to properly review the documentation submitted and failed to conduct a reasonable investigation before denying the dispute. I am requesting that NFCU : - Conduct a proper re-review of the dispute using all submitted documentation - Provide a written explanation regarding the original denial - Provide the status and outcome of the second review request - Correct any errors caused by the mishandling of the dispute investigation I attempted to resolve this directly with NFCU before filing this complaint.

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Secure One Capital Corporation
State: CA

Complaint narrative:
I get repeated phone calls from various phone numbers ( XXXX, XXXX, and others ). They do not leave a voicemail but repeatedly call from different numbers even when I ask them to stop calling or block the numbers. I do not have an account with this company, nor do I have any business with them.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding a deferred-interest financing account through Synchrony Bank associated with purchases made through XXXXXXXX XXXX. At the time of purchase, the financing was presented and understood to be 0 % financing. While I understand there may have been deferred-interest terms in the agreement, the practical consequences of retroactive accrued interest were not adequately clear to me as a consumer. I was not reasonably aware that if the promotional balance was not fully paid by a specific deadline, a very large amount of accumulated interest would be added retroactively to the account. When the promotion expired, My balance was about {$4000.00}. Last month when the promotion " expired '', Synchrony added substantial accrued interest to the account balance ( over {$5000.00}! ). This increase caused my balance to exceed the accounts credit limit, which I did not authorize or anticipate. The resulting balance shock significantly increased my required monthly payment and negatively impacted my credit profile due to over-limit reporting. I believe the promotional financing was marketed in a manner that emphasized 0 % financing while minimizing or insufficiently explaining the severe consequences of deferred-interest accrual. Had these consequences been made clearer, I would have managed the account differently or pursued other financing options. Furthermore, the impact of not paying off the balance before the promotion ended was never adequately stated, leaving me with no warning of this detrimental impact - My account balance more than doubled, my account balance exceeded my credit limit, and my credit score was impacted. I mailed a formal written complaint directly to Synchrony Bank on XX/XX/2026, and am attempting to resolve this matter directly while also seeking CFPB assistance.

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 2026-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, Please help me remove fraudulent accounts from my credit report. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX were used in Texas under my name and social security number. I have never been to Texas nor lived there. I reached out to the debt collector and spoke with their fraud team.

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 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have been using the Paypal Credit ( BNPL ) from Synchrony Bank for some years now with no issue. In the past, my payments would be approved and qualified to meed the amount due for the Special Financing Purchased no interest when payment made within 6 months of purchase. The account dashboard, however, does not allow the payment to be made directly to the Special Financing Purchase Amount. Previously, when I made a payment to that exact amount, that was applied to the amount on deadline. This time, XXXX i had made payments to the exact amount and or plus minimum due and they were not applied to the deadline but the total amount. I sent a dispute via chat /email to Paypal Credit ( other options were fax or print and mail ). Paypal Credit replied that the dispute was too complicated and I had to call. On the phone for XXXX minutes and CSR told me that they could not waive the interest charged. I was told that I have to call them directly after paying the amount in full to order for them to allocate the funds to the amount of Special Financing Purchase before the deadline in order for the promotion to be fulfilled as stated.

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 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
Won't endorse our insurance check from a claim that was filed under our home owners insurance due to a flooded basement in XX/XX/year>. They will not tell us where our check is that we were instructed by them to mail we were to endorse and they would endorse and send back to us. They also said its in our escrow account, than said coorporate was handling it, and i look in my escrow account and they did not apply it to the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I completed a change of ownership on a business checking account with Regions because I purchased the business from someone else. In person at the local Regions Bank branch, we added myself ( the new business owner ) and removed the previous business owner from the account. We completed " Government Custodian Relationship and Authorized Signer Information '' documents in the branch. It has come to my attention the previous business owner is still receiving email notices to their email address related to the business account they are no longer associated with. Additionally, I am not able to manage existing Bill Pay as it's associated with the previous owner 's email and only they can edit existing bill pay for an account they are no longer a part of!

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 2026-05-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am submitting this complaint against Capital One regarding inaccurate credit reporting on a charged-off account appearing on my credit reports. The account contains inaccurate late payment reporting and incorrect date information that does not accurately reflect my payment history or the status timeline of the account. I believe this reporting is misleading and potentially in violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report information accurately and completely. I have experienced ongoing harm to my credit profile due to these inaccuracies. I am requesting that Capital One conduct a proper investigation into the account and provide full verification of all reported late payments, dates, balances, and account history being furnished to the credit bureaus. Additionally, Capital Ones prior data breach and handling of consumer information has caused serious concerns regarding the accuracy and security of my personal financial data. Due to these concerns and the inaccurate reporting currently associated with this account, I no longer have confidence that the information being reported is reliable or properly maintained. I am requesting the following : 1. A complete investigation into the reporting of this account 2. Verification and documentation supporting all late payments and reported dates 3. Correction or removal of any inaccurate information 4. Removal of the account from all credit reporting agencies if the information can not be fully verified as accurate Please provide the results of your investigation and copies of any documentation used to verify this account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
They called my mom first. Who requested me to call them at XXXX. They said my account number was XXXX. Stated I had a credit card bill that was owed from 2002 in the amount of {$7000.00}. Told me that they tried to serve me at my old address of 26 years ago and failed. Which was racking up what I owed. Gave me 2 numbers of the final amount owed after their lawyer fees and court costs of {$14000.00} and {$12000.00}. Talked to 4 different people. XXXX claimed that she was an attorney. All were very rude and threatening with their tone. XXXX finally told me when I asked several times that they belonged to the XXXX. Associates of California. Before I got off the call she said they would be serving me with paperwork for court. I called my lawyer 's office and he said this fraudulent and thankfully I didn't give them any money. But if in the rare chance I was served to call him back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Volunteer Mortgage Inc
State: TN

Complaint narrative:
Volunteer Mortgage, has screwed us over and we had agreement of a Trail Payment and we made our payments. We I called and talk to them the lady in Loss Minagation would not let us explain was we where asking and trying to get help. Now we are facing foreclosure, but we never received any notices.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My employer sent me five XXXX transfers from their XXXX account as wages, starting around XX/XX/XXXX. The total amount involved is approximately XXXX dollars. My employer obtained official payment confirmations from XXXX showing all five transactions as " Completed, '' with the correct recipient contact information. However, none of these five funds ever appeared in my Bank of America account. What makes this especially confusing is that during the same period, other XXXX transfers to and from my account were working normally. Only these five specific transactions from my employer went missing. I have tried to resolve this multiple times. I visited local Bank of America branches in person on several occasions. I also called customer service by phone twiceonce on XXXX XXXX, and again on XXXX XXXX. On each call and visit, I was told that my XXXX profile appeared normal and that no unusual transactions were detected. The representatives did not offer any further investigation or resolution. Separately, because the money remained missing for an extended period, my employer filed a police report regarding the missing funds. A case number was issued. I have not yet informed Bank of America about the police report, as previous attempts to resolve the issue directly with the bank did not result in any meaningful investigation. Despite holding the sender 's official payment confirmations and having made multiple in-person and phone inquiries, Bank of America has not traced these missing XXXX deposits or provided any explanation for their absence. I am seeking the bank 's assistance in locating these 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 explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: KY

Complaint narrative:
Consistently contacting me about a debt that I have no knowledge of no signed agreement with several violations of FCR

Company response to consumer: Closed with explanation