vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 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: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Someone logged into my account and sent them my tax refund check. That was for my XXXX XXXX  and car note. I made a police report and immediately filed for dispute, sent SoFi the dispute and they see no error. That was all my money stolen and they dont care or see an issue with any of my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
} On XX/XX/year>, Bank of America withdrew {$5900.00} directly from my personal checking account. The transaction appears on my statement as XXXX XXXX XXXX XXXX 

This was not a transaction I authorized. The funds were removed by Bank of America XXXX XXXX related to an alleged risk review, but the money was taken from my personal consumer account, not from a business account. 

I was told verbally that the funds would be held for XXXX months and then returned. That time has passed, and the bank has not returned my money, nor provided any written explanation, investigation result, or legal justification for taking these funds. 

I am requesting the immediate return of the {$5900.00} that was removed from my personal account without authorization

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 2026-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my account on XX/XX/year> following a fraud report I initiated regarding unauthorized activity. On XX/XX/year>, my employer deposited payroll via XXXX into my Citibank account. 

Citibank is holding my verified payroll funds for 3060 days and has not issued a check. This is causing financial hardship. 

I have received inconsistent information from representatives. Some were able to verify my identity without an account number, others refused and directed me to a branch. I have been unable to obtain a clear explanation for the closure or a confirmed release date for my funds. 

I am requesting : Confirmation that my XXXX payroll deposit is verified and will be released. 

An expedited hardship review and release of my payroll funds. 

Clear written explanation regarding the account closure.

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 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
This is a Procedural Violation Complaint regarding Robinhood Financial LLCs failure to comply with 12 CFR 1005.11 ( Regulation E ) and their subsequent attempts to obstruct regulatory oversight. This complaint is a direct escalation of the following CFPB filing : XXXX XXXX. Bad Faith Evasion of Regulatory Oversight Since the filing of my original complaint, Robinhood has engaged in " off-portal '' communication tactics to evade the Bureau 's visibility. While marking my original CFPB case as " Closed, '' the company simultaneously moved the dispute to a private email thread ( Case # XXXX ). Attached to this complaint is the full XXXX correspondence chain showing Robinhood 's transition from the official portal to private email. By refusing to provide a substantive, compliant response within the secure CFPB portal, Robinhood is intentionally obscuring its failure to follow federal error-resolution mandates from regulatory investigators. 

2. Failure to Provide Mandatory Findings ( 12 CFR 1005.11 ( d ) ( 1 ) ) In the private email thread used to bypass the CFPB, Robinhood explicitly stated they would share " no further information '' regarding the denial of my unauthorized transfer claim. Under 12 CFR 1005.11 ( d ) ( 1 ), if a financial institution determines no error occurred, they are legally required to provide a clear written explanation of the findings and a notice of the consumers right to request the specific documents relied upon for the investigation. Robinhood has explicitly refused to provide either, using private email to hide this violation from the Bureau. 

XXXX. Obstruction of Official Evidence I have obtained a formal Police Report ( XXXX # XXXX ) documenting the {$11000.00} theft. By closing the official CFPB case and refusing to provide a secure channel for the submission of sworn law enforcement documentation, Robinhood is failing to conduct a " reasonable investigation '' as mandated by the Electronic Fund Transfer Act. 

XXXX. Failure to Detect Account Takeover ( XXXX  ) Red Flags The unauthorized activity involved a high-risk XXXX XXXX  EST sequence on the date of theft ( XX/XX/year> ) : a full crypto liquidation, a " Robinhood XXXX '' sign-up to bypass transfer limits, and an immediate withdrawal to a brand-new added, third-party bank account that was added by the thieves. Robinhoods failure to flag this textbook account takeoverand their current refusal to explain why they believe this was " authorized '' constitutes a failure in their supervisory duties and a violation of federal consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY 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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: NJ

Complaint narrative:
I never received any written notice from Credit Systems International before this collection account was placed on my credit report. I had no prior knowledge of this alleged debt. I do not recognize this account. I was never provided a dunning letter, notice of rights, or an opportunity to dispute the debt before it was furnished to the credit bureaus. This is a direct violation of FDCPA 1692g ( a ), which requires a debt collector to send written notice within five days of initial communication.

Instead of written notice, I have received excessive collection calls. Repeated telephone contact without providing written validation constitutes harassment and unfair collection practices under FDCPA 1692d and 1692f.

Upon discovering this account on my credit report, I requested proper validation. To date, no lawful validation has been provided. Proper validation requires more than a balance statement or internal notes. Lawful and sufficient validation includes : A copy of the original signed contract or service agreement bearing my signature. 
A complete payment history from the original creditor. 
An itemized accounting of the alleged balance, including principal, interest, fees, and charges. 
Documentation showing the date of default. 
Documentation of charge-off, if applicable. 
A full chain of title demonstrating the legal transfer or assignment of the debt to Credit Systems International.

Proof that the alleged debt is within the statute of limitations. 
Documentation demonstrating that the amount reported matches the original creditors accounting records. 
None of this has been provided. 
Despite the lack of proper validation, the account continues to be furnished to the credit bureaus. Reporting an unverified and disputed debt violates FCRA 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation upon notice of dispute. It also violates FCRA 1681e ( b ) for failure to ensure maximum possible accuracy.

XXXX XXXX reporting standards require that furnished data be complete, accurate, consistent, and fully substantiated. Reporting a collection without proper validation and while failing to provide legally required notice demonstrates noncompliance with XXXX XXXX guidelines. 
As a consumer who understands my rights, I recognize that furnishing an unvalidated and disputed debt while engaging in excessive calling behavior reflects a pattern of unfair and deceptive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
THIS IS NOT A DUPLICATE_ THE COMPANY CLAIM THEY COULDNT FIND MY ACCOUNT.

Identity Verification & Formal Dispute Appeal - XXXX  XXXX I am responding to your claim that you can not establish my identity. I have attached my official Current Debit Statement ( Period XXXX ). 
+1 This statement confirms my identity as XXXX XXXX, address on file should be XXXX XXXX XXXX XXXX XXXX XXXX. My account number ends in XXXX. 
+2 Now that my identity is established via your own official records, you must address the Duplicate Processing Error clearly visible on Page 3 of this statement. On XX/XX/XXXX, two identical charges of {$280.00} were debited to XXXX - XXXX. 

This is a Billing/Mathematical Error and Services Not Rendered dispute under Regulation E. I have provided all necessary information to identify my account and the error. I demand that you reopen this investigation immediately. 

On XX/XX/XXXX, two identical transactions of {$280.00} were debited from my Current account to the merchant " XXXX - XXXX '' ( Total : {$560.00} ). Transaction ID : XXXX Transaction ID : XXXX The issue is two-fold : Duplicate Processing : One charge was a technical duplicate. Services Not Rendered : The merchant has provided no services or products for either charge, and one was for a canceled order. I disputed this with Current on XX/XX/XXXX. They denied it on XX/XX/XXXX, claiming " no error. '' On XX/XX/XXXX, a representative named XXXX XXXX requested irrelevant documents like police reports and incarceration records. This proves Current is misclassifying a billing/mathematical error as an identity theft/fraud case. Under Regulation E ( 12 CFR 1005.11 ), the bank is required to investigate " incorrect electronic fund transfers '' and " mathematical/bookkeeping errors. '' Current has failed to perform a meaningful investigation of these duplicate charges. I am requesting a full reversal of the duplicate charge and a refund for services not rendered. Current is fundamentally misclassifying a billing and duplicate processing error as a " fraud/identity theft '' claim. Under Regulation E ( 12 CFR 1005.11 ), the bank has a legal duty to investigate " incorrect electronic fund transfers '' and " mathematical/bookkeeping errors. '' Current has failed to perform a reasonable investigation and is instead demanding documents that do not apply to a merchant billing dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a Mattress firm store card with Synchrony Bank under a 24 month " no interest if paid in full '' promotional financing offer for a {$4400.00} mattress purchase.

During the 24-month period promotional period, I never missed a payment, paid almost 70 % of the balance. I missed the promotional deadline by one billing cycle while traveling from the XXXX and did not realize that a remaining balance would trigger deferred interest.

As a result, Synchrony added approximately {$2500.00} in deferred interest to the account- which exceeds the remaining principal balance at the time the promotion ended.

I reached out to Synchrony bank to request for a goodwill adjustment for the deferred interest but the request was denied. I've been a loyal customer to Synchrony with other accounts open through them for our house and health needs.

I understand how deferred interest promotion work ; however, I maintained perfect payment history, paid down majority of the balance, promotional deadline was only missed by one billing cycle and the interest added is disproportionate relative to the remaining balance.

Given my on-time payment history and the minimal timing issue, I am respectfully requesting Synchrony reconsider and provide a goodwill removal/ reduction of the deferred interest. I am more than willing to pay the remaining balance of {$1800.00} before the deferred interest was added.

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
TRANSWORLD SYSTEMS INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEMS INC 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 2026-02-20 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: TX

Complaint narrative:
On XX/XX/year>, I made a {$100.00} transaction using my Cash App XXXX prepaid card. The payment expired, and XXXX confirmed that a {$100.00} refund was completed and sent back to my XXXX card on XX/XX/year>. 
After waiting the required 10 business days, the refund did not post to my Cash App account.

I contacted Cash App support multiple times and requested confirmation of whether an inbound settlement attempt had been received through the XXXX network, as well as any trace documentation related to the refund.

Cash App representatives stated that no inbound settlement attempt had been received and advised me to file a dispute. However, no trace-level confirmation, provisional credit, or documented investigation details were provided prior to directing me to dispute the transaction.

As of the date of this complaint, the refund remains unresolved. I have initiated a dispute only because I was unable to obtain confirmation of refund settlement through standard support channels. My concern is that a merchant-confirmed refund was not properly traced
or reconciled through the XXXX network before requiring a formal dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I previously filed a complaint against BMO Bank COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Money transfer, virtual currency, or money service ISSUE Trouble accessing funds in your mobile or digital wallet They did respond and mailed me a cashiers check for {$950.00} but are unwilling to verify the check so I am unable to get it cashed. I would like this to be resolved immediately or I would like them to be liable for all the expenses and late fees, and time I have wasted in dealing with all this. Can you please help me resolve this issue?

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 2026-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: FL

Complaint narrative:
LoanCare # XXXX I am submitting this complaint regarding my mortgage account serviced by LoanCare , LLC. I enrolled in a bi-weekly payment schedule, and I have been making bi-weekly payments according to the terms of that agreement. However, LoanCare has not been applying these payments as received. Instead, LoanCare appears to be accumulating and posting them only once per month. This has resulted in inaccurate payment posting, improper account history, and potential detriment to my loan performance and credit reporting. 

I have attempted to resolve this issue directly with LoanCare, including submitting a a verbal complaint on XXXX XXXX, but LoanCare has told me they do not and will not post more frequently and will not correct the payment postings or provided a substantive resolution.

I request that the CFPB investigate this servicing error and require LoanCare to : 1 ) Correct the posting of all bi-weekly payments so that each is applied on the date received.

2 ) Provide a corrected payment history statement.

3 ) Stop batching or delaying postings going forward unless compliant with applicable servicing regulations.

4 ) Correct any balance resulting from these errors.

5 ) If they can not, please switch me back to the XXXX servicer who did apply my payments correctly prior to this switch.

Thank you for your 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 explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT XXXX  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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ready Capital Corporation
State: LA

Complaint narrative:
XXXX sold my mortgage loan to XXXX Mortgage XXXX XXXX XXXX, XXXX On XXXX XXXX, XXXX, I sold the property in a short sale, and the account has since been settled with XXXX at {$0.00} balance. 
As of today, XXXX XXXX, XXXX, XXXX  is still reporting a balance on this account to the credit bureaus in the amount of {$120000.00}, as of XXXX XXXX. It is also saying that foreclosure preceedings have started, but this is no longer true because, as stated, the property was sold in a short sale on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have repeatedly requested paper statements for my account and have been denied. TD Bank has also restricted my online access, preventing me from reviewing statements or verifying payments. 

Despite making monthly payments, TD Bank is reporting my account as late, charging late fees, and negatively impacting my credit score. 

I have made multiple phone calls attempting to resolve this issue and have been unsuccessful. I have even offered to pay the account in full to avoid further damage, but TD Bank is limiting payoff methods to mailed check only or direct access to my bank account. 

TD Banks refusal to provide statements, denial of account access, and inaccurate credit reporting have caused financial harm and credit damage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
In XX/XX/year> I got a credit card statement with a XXXX charge for paper billing. So I called the company, cancelled the card and paid the balance in full by sending a check XX/XX/year> 12 days BEFORE the due date. They processed the check on the XXXX XXXX day after the due date charging me XXXX for a late fee, interest and the XXXX paer billing fee again. They refused to cancel the late fee and the charges because I closed the account and they can not do so. 

My credit rating is XXXX, I have not made a late payment in over 20 years and take my credit report very seriously. 

This was not paid late, they did this because I closed the account. 

I want my money refunded, I did pay the fee online on XX/XX/year> so I would not get a bad credit mark, and I also want the late payment taken off my credit report. 
I have never seen such a petty Company in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made a purchase at XXXX XXXX XXXX in XXXX FL on XXXX of XXXX. At the time the sales associate suggested that we use their apply store credit card with 0 % APR. we decide to go thru with it since there is no interest but this month I see that they charged me over {$4800.00} in interest this statement period. I called and they told me it is because I didnt pay within the promotional period which ended on XX/XX/XXXX. The sales person never explained this part and I never received any statement from this company. I only login online to make the monthly payments. I told them I can pay the entire remaining balance if they would remove the interest charge. But they refused. I feel this is a scam.

Company response to consumer: Closed with explanation