vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: We Collect Inc
State: OR

Complaint narrative:
A judgment was entered in XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. Since that time, XXXX XXXX XXXX has attempted to collect post-judgment amounts that are inconsistent across documents and not clearly substantiated. 

XXXX has provided multiple different balances, including amounts listed in a writ of garnishment, a debt calculation form, and later written correspondence. These amounts do not clearly reconcile with XXXX another and include post-judgment interest, attorney fees, and other charges without a clear explanation of the statutory authority for each addition. 

I requested a complete and accurate accounting of the balance, including a breakdown of all post-judgment charges, the legal basis for each fee, and clarification of discrepancies between amounts stated in different communications. XXXX did not clearly provide this information. 

XXXX has also demonstrated inaccurate recordkeeping, including providing incorrect address information in written correspondence. After I disputed the balance and requested clarification, XXXX paused garnishment but continued to demand payment without resolving the discrepancies. 

I am disputing the accuracy of the amount being collected and am seeking verification and transparency regarding the post-judgment charges.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Beginning in or around XX/XX/year>, this account began reporting severe delinquencies, including XXXX  days past due, despite the existence of payments made and/or a documented payment arrangement. The reported payment history contains internal inconsistencies, including delinquent statuses reported alongside partial payments, fee-driven balances, or months marked as no data. 

I reviewed my credit report and identified that the reported delinquencies do not align with a complete and accurate monthly account history. In several instances, balances increased due to fees or charges rather than missed contractual payments, yet the account was still reported as severely delinquent. This selective and incomplete reporting is misleading. 

On XX/XX/year>, I disputed the accuracy of this reporting, specifically requesting verification of the payment application history, governing agreement, and documentation substantiating the delinquency status. The furnisher failed to provide documentation demonstrating how payments were applied or how the delinquency status was calculated. 

Despite this, the account continues to be reported with the same delinquent payment history. Reporting delinquency without maintaining or producing a complete and accurate payment ledger violates the furnishers duty to report with maximum possible accuracy under FCRA 1681e ( b ) and to conduct a reasonable investigation under FCRA 1681s-2 ( b ).

I am requesting that this account be corrected or deleted if it can not be fully verified with complete documentation, including a contemporaneous payment application history supporting the reported delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Synchrony Bank and XXXX have continued to send billing statements and paymentdue notices for a XXXX  Credit Card account that has occurred fraudulent charges. 

On XX/XX/year>, I received another email from Synchrony Bank titled Your payment is due for a XXXX  Credit Card account I did not open. It lists a statement balance of {$1700.00}, a minimum payment due of {$30.00}, and a due date of XX/XX/year>. This is a fraudulent account that I have already disputed multiple times. Synchrony continues to treat it as valid and continues to bill me. 
Separately, XXXX has not restored my XXXX Balance, which was depleted by unauthorized activity. I authorized only XXXX transaction : the XXXX XXXX XXXX installment of approximately {$25.00}, to be paid from my XXXX Balance on the XXXX. Instead, XXXXSynchrony misrouted that payment to XXXX Credit without my authorization. I also incurred an improper {$10.00} charge that I did not authorize and that has not been reversed. 

Because my XXXX Balance has not been restored and my account access has been restricted, I can not pay the legitimate XXXX installment using my XXXX Balance as intended.

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 2026-01-27 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: Sunbit, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding Sunbits handling of unauthorized activity on my account. 

On or about XX/XX/year>, I reported unauthorized charges on my Sunbit account. I was informed that the issue had been logged and that my card would be replaced. 

Despite this representation, no investigation appears to have been documented. The unauthorized balance remains on my account, and as of late XX/XX/year>, Sunbit continues to report that I owe a large balance that I did not authorize or incur. 

I have attempted to follow up multiple times since XX/XX/year>, but Sunbit has not responded to my calls or resolved the dispute. 

Sunbits failure to properly document, investigate, and resolve reported unauthorized activity while continuing to report the balance is inaccurate and harmful. 

I am requesting : Immediate investigation of the unauthorized transactions Removal of the disputed balance while the investigation is pending Correction of any related credit reporting Written confirmation of the investigation outcome

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: PA

Complaint narrative:
My information was exposed in data breach. There were accounts that came on to my consumer report that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have XXXX American Express gift cards amounting to a total of {$550.00} that do not work at any merchant ( online or in-store ). I contacted American Express and they said that it is being declined because the companies are not asking for the cvv code ( which is not the case ). They also said to try in store, but that is not working either. I have tried XXXX, XXXX, XXXX XXXX, hair salon and all transactions were declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX XXXX XXXX and XXXX XXXX Credit Card ( Synchrony Bank ) was contacted by me regarding fraudulent charges placed on my credit card. The charges were dated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX my card was charged {$7200.00} and on XX/XX/XXXX I was charged {$6700.00}. Synchrony Bank and XXXX XXXX were both informed that I did not make or authorize these purchases. XXXX XXXX told me that Synchrony Bank would have to do the investigation. My chargers were reversed. On XX/XX/XXXX I received a letter in my account that the charges were being put back on my card as after XXXX 's investigation they determined that I was responsible for the charges. They said I was part of a socially engineered scam. None of this is true. I had not spoken or given my credit card information to anyone. Synchrony said that they would re-open the investigation and it could take up to 60 days to resolve. Let me make it clear that I had informed XXXX and Synchrony of these charges the day after the first charge had been made and the day the second charge was made. Both XXXX and Synchrony bank had the opportunity to stop payment and stop the sale of whatever was purchased. Another note is that neither is able to even tell me what was purchased. This has impacted my credit score as well as put a lot of stress on my family. There seems to be a disconnect between XXXX and the XXXX XXXX credit card XXXX. One is saying the other is responsible for the investigation. I'm concerned that this could be an inside job? This has gone on way too long and this needs to be resolved immediately.

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 2026-01-27 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:
Autopay had been active and functioning reliably on my credit card account for several years. 

In XX/XX/year>, I made a one-time manual payment that exceeded the scheduled autopay amount. After that payment, autopay was silently deactivated without clear notice or warning that making a manual payment would cancel future autopay. 

As a result, the minimum payment due in XX/XX/year> and XX/XX/year> was not automatically processed as I reasonably expected, despite my prior consistent payment history. 

Once I became aware of the issue, I promptly made a payment in early XX/XX/year> that brought the account current. The bank later refunded the assessed late fees as a goodwill adjustment. 

However, the account was still reported as 30 days delinquent to the credit bureaus. My concern is not the refunded fees, but the credit reporting harm caused by unexpected autopay deactivation and lack of notice. I am requesting a goodwill adjustment to credit reporting to address this issue. 

I do not have any debt, and never occurred consumer debt. Even my car is fully paid, this hurt my credit score in over then XXXX points, and it takes long time to fix 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 monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding repeated late fees ( 18 total ) assessed by PNC Bank on my credit card account ending in XXXX. 
These late fees occurred over an approximately XXXX period prior to XX/XX/year>. During this entire time, my account was enrolled in AutoPay, and I never changed, disabled, or modified AutoPay settings.

Despite AutoPay being active, PNC repeatedly assessed late fees because payments were allegedly posted one day late each month. I never received any notice, warning, or communication from PNC indicating that my account was behind, that AutoPay was failing, or that corrective action was needed. No mailed notices, emails, app alerts, or other communications were provided.

I contacted PNC multiple times to dispute the late fees and requested a full review. PNC refused to reverse the charges or provide a meaningful resolution. I also requested technical verification showing that AutoPay had been altered, including timestamps, device information, and IP address data associated with any alleged change. PNC was unable or unwilling to provide any such evidence, yet continued to assert that the late fees were valid.

In addition to the late fees themselves, these charges caused my account balance to remain higher over time, resulting in additional interest being charged at an APR of approximately 27 %. Over the 18-month period, this likely resulted in hundreds of dollars in additional interest, compounding the financial harm.

PNC failed to provide notice of a recurring payment issue, failed to exercise reasonable discretion over an extended period, and failed to substantiate its claim that AutoPay was changed. I acted in good faith by maintaining AutoPay and promptly raising the issue once identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: TX

Complaint narrative:
I hereby formally contest the accounts referenced and assert that they were created without my consent or approval. I request a detailed and conclusive investigation and the removal of the accounts once confirmed. Supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Submit a complaintStep 3 of 5 What happened?

Describe what happened, and well send your comments to the companies involved.

Include dates, amounts, and actions that were taken by you or the company.

Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Publishing this description will not affect how the CFPB handles your complaint.

Inactive modal What would be a fair resolution to this issue?

Well forward this to the companies involved. Be specific so they know what resolution you are looking for. The company may or may not offer to resolve your complaint.

Attach documents ( optional ) Include copies or photos of documents related to your issue, such as contracts, letters, and receipts, and we will forward all materials to the company for review

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I went in person to a U.S. Bank branch to close my business checking account and withdraw my funds the same day. My U.S. Bank app shows an available balance of {$24000.00}. 

Bank staff told me there was a hold/restriction related to identity verification. I provided everything they requested to verify me and my address, including government-issued ID, SSN verification documents, and proof of address ( gas bill and internet bill ). After I provided these documents, the bank still refused to release my funds and refused to close the account that day. I was told they will not close the account or release my funds until Friday, XXXX XXXX, XXXX, even though the funds show as available. 

The bank has not provided a clear written explanation of the restriction, a specific reason code ( deposit hold vs. account restriction ), or a written basis for delaying closure and payout. I requested written confirmation of ( 1 ) why the restriction remains after verification, ( 2 ) whether this is being treated as a funds-availability hold under Regulation CC or an internal fraud/CIP restriction, and ( 3 ) the exact date/time and method the bank will release my funds.

I also believe I was profiled and treated differently based on my name and race. A bank employee who identified herself as XXXX handled or influenced the decision and I believe her actions were based on personal bias rather than an objective policy reason. I am requesting investigation into whether discriminatory treatment impacted the banks decision to restrict access to my funds and delay closure. 

Legal/regulatory concerns raised for review include : ( a ) whether the bank is misapplying funds availability rules under Regulation CC ( 12 C.F.R. Part 229 ) if they are claiming a 7-day delay not tied to a valid deposit-hold exception, ( b ) whether the banks conduct is unfair or deceptive in withholding access without clear written basis or timeline ( UDAAP concerns under 12 U.S.C. 5531 ), and ( c ) whether race-based discrimination affected the performance/termination of a banking relationship, implicating rights protected under 42 U.S.C. 1981 ( equal right to make and enforce contracts ).

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 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
On XX/XX/year> I received a call from a number of ( XXXX ) XXXX from XXXX XXXX. They left a voicemail saying This is XXXX XXXX contacting you regarding an order that was submitted to my office this morning. I need to verify an address to present you with your formal claim at your residence and place of employment. There is a claim against you. At this point, you have an opportunity to contact the firm handling the claim to discuss this matter. The firm can be reached. My name you have been notified called number back and they were trying to make me do a payment over the phone of full amount or they were going to serve me at my job and garnish my check. I have not received anything in the mail from the collector Then this afternoon XX/XX/year>. I received another voicemail saying Claim number XXXX. I'm calling again to inform you that you've had the opportunity to contact the firm handling your claim at this point I have verified an address to present you with your formal documents. There is a claim against you. You will have to reach you personally to address this matter with the firm again. They can be reached at XXXX This is your final notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: WA

Complaint narrative:
On XX/XX/year>, I used a PNC Partner ATM located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX intending to withdraw {$600.00}. The ATM limited withdrawals to {$200.00} per transaction. 

The first {$200.00} withdrawal was successful. 
I then attempted a second {$200.00} withdrawal at the same ATM. 
The ATM advanced partway through the transaction, then displayed a message that the transaction could not be completed. 
My card was immediately returned. 
No cash was dispensed. 
I remained at the ATM for several minutes to ensure no delayed dispensing occurred. 

Later that same day, I successfully completed XXXX additional {$200.00} withdrawals at PNC Partner ATMs located at : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, WA The disputed transaction failed to dispense funds and therefore constitutes an ATM error under Regulation E. Charging my account for funds never received is incorrect and unsupported by the facts. 

I demand that PNC immediately reverse the {$200.00} charge, permanently reinstate the provisional credit and correct my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
When I was in-store at XXXX XXXX , I was offered a credit card to help pay for an engagement ring. The sales associate described the promotion as no interest for 18 months and stated that interest would start after the 18 months is over. 

At no time was I clearly informed that this was a deferred interest promotion, or that all accumulated interest would be added retroactively if the balance was not paid in full by the end of the promotional period. This material term was not adequately disclosed to me at the time of application. 

I was also encouraged to enroll in automatic payments. Because I was told the account was no interest for 18 months, I reasonably relied on automatic payments and did not believe I needed to monitor statements for a retroactive interest penalty. I was not provided with any clear, direct notification that the promotional period was ending or that failure to pay the full balance would result in all prior interest being charged. 

I only became aware of this issue after discovering a charge of {$1700.00} in deferred/back interest on my account. 

Had I been clearly informed of these terms, I would not have agreed to open this account or use this form of financing. I believe this constitutes misleading and inadequate disclosure of material credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
XX/XX/XXXX - I received a 1099-K form from Block , Inc , f/k/a Square , Inc, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have an account with this company nor have I ever done business with this company. The form contains the filer 's XXXX ( XXXX ) and the last XXXX digits of MY social security number. 
I called the number that was attached to the form # XXXX which was a number given " in case I received this form in error. '' I got no help. I was told that, because my name and phone number weren't in their database, they could not help me. 
I called again on XX/XX/XXXX and got the same no help response. When I pressed the issue I was transferred to someone who gave me a case # XXXX. XXXX was the man I spoke with. He said a report would be filed and that I would receive and email asking for documentation. I never received an email. I checked my in-box, trash and spam. Nothing there.

Company response to consumer: Closed with explanation