vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CT

Complaint narrative:
Filed a dispute with cash app for a charge with XXXX XXXX for XXXX XX/XX/XXXX they advised that after XXXX business days I will receive an update I did not receive any update or temporary credit I provided a screen shot of the XXXXXXXX XXXX policy regarding delayed flights as well as text messages and my reservation showing it was canceled and cash app still has not did anything XXXX claims was filed on the same day for the same merchant just different amounts and the claim was refunded and completed but the other dispute is still open with no credit or communications

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experians response is insufficient and does not address the core issue of inaccurate personal information being reported on my consumer file. I did not submit a fraud claim. I submitted a dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information and delete or correct any information that can not be verified as accurate. Experian has attempted to misclassify this as a fraud issue to avoid its obligations under 1681i and 1681e ( b ), which requires maximum possible accuracy in reporting. The presence of incorrect addresses and personal identifiers raises concerns of a mixed file under 1681c-2 and constitutes inaccurate reporting. Whether the source is fraud or internal error, Experian is still required to investigate and remove unverifiable or inaccurate information. I am demanding : 1. A proper reinvestigation of all disputed personal information 2. Deletion of all addresses that can not be verified as belonging to me 3. A description of the procedures used to determine the accuracy and source of these addresses 4. The names of any furnishers or third parties who provided this information If Experian continues to fail to comply, I will escalate this matter to the FTC and my State Attorney General for violations of the FCRA. This response does not resolve my complaint.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Back on XX/XX/year> I signed up for a Coinbase new customer promotion. I almost immediately met their sign up requirements and even received a letter stating congratulations for meeting those requirements. At the end of the sign up process you are given a chance to spin a virtual wheel to win between {$10.00} - {$2000.00} of Bitcoin. I was able to start the prize process and during the award process everything disappeared. I contacted Coinbase immediately and sent numerous chats and emails to find out what went wrong and how to collect my advertised prize. ( Complaint Case # XXXX, XXXX XXXX # XXXX and # XXXX ) Coinbase continues to give me the run around but they did give me a {$5.00} goodwill gift for my continued troubles with no explanation of what happened to my virtual spin the wheel promotion. They sent me an email today telling me the terms of the promotion and acted like they had no clue what my previous complaints had entailed. I personally believe Coinbase has not been honest with me or the promotion they offered for a new customer sign up. This is absolutely the worst customer service that I have ever experienced trying to get a problem resolved. I have been extremely stressed over this situation and being an older senior citizen it just makes it all the worst.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My small business checking account was hacked. {$9900.00} was sent from my account to unknown individuals. This happened on XXXX XXXX I notified Wells Fargo fraud department. They sent a letter refusing to admit they did not notify me, said it was my fault, and refused to reimburse me. I have notified : Wells Fargo, XXXX XXXX Fl sheriff 's dept, an IC3 complaint Submission ID : XXXX. date filed XX/XX/year>.

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: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
I am filing a formal complaint against Contract callers inc for repeated violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite my multiple requests for them to cease communication, Contract callers inc continues to contact me. This is a direct violation of 15 U.S.C. 1692c ( c ), which clearly states that once a consumer notifies a debt collector in writing to cease communication, the collector must stop contacting the consumer except under very limited circumstances. None of those exceptions apply here. Additionally, I have formally requested debt validation, and Contract callers inc has failed to provide proper validation as required under 15 U.S.C. 1692g ( b ). Instead of providing verification of the alleged debt, they only sent a bill. A bill is NOT validation. Proper validation requires evidence that I owe the debt, including documentation from the original creditor and proof that Contract callers inc, LLC has the legal authority to collect. By continuing collection efforts without providing proper validation, they are in further violation of federal law. Under 15 U.S.C. 1692g ( b ), collection activity must cease until validation is provided. Their actions also constitute harassment and unfair practices under 15 U.S.C. 1692d and 15 U.S.C. 1692f, as they are ignoring my lawful requests and continuing to pursue collection without meeting legal requirements. I am demanding the following : 1. Immediate cessation of all communication with me. 2. Proper debt validation in full compliance with federal law, or permanent closure of this account. 3. Written confirmation that this account has been marked as disputed and that no further collection activity will occur without proper validation. If contract callers inc, LLC continues to violate my rights, I am prepared to pursue further legal action, including filing suit for statutory damages, attorneys fees, and any additional relief available under the FDCPA. I expect immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
CFPB Complaint Draft : CareCredit ( Synchrony Bank ) To : Consumer Financial Protection Bureau Company : Synchrony Bank Product : CareCredit Credit Card Issue : Improper account closure and refusal to correct internal " Fraud '' flag Complaint Description I am filing this complaint against Synchrony Bank regarding my CareCredit account. The bank has acknowledged a technical error on their part but is refusing to take the necessary manual steps to restore my access to credit, leaving me unable to use the medical financing services I originally qualified for. 1. Incident Background : My CareCredit account was recently closed without my consent. Upon calling Synchrony Bank, I was told the account was flagged as " fraud '' based on information from a credit bureau. I immediately contacted the CareCredit/Synchrony fraud department , provided all necessary verification, and proved that the account was legitimate and opened by me. 2. Acknowledgment of Error : The fraud department representative confirmed that the flag was an error and stated that " sometimes this happens. '' However, they informed me they could not reopen the closed account and that I would need to reapply. 3. Systemic Failure to Correct : When I attempted to reapply as instructed, the application was blocked. The system continues to flag my identity as " fraudulent '' or claims I have a " duplicate '' account, even though the original was closed by the bank in error. Synchrony Bank is now stuck in a loop : they closed my account for a fake fraud flag, and now their system won't let me back in because of the very flag they admitted was a mistake. 4. Legal and Consumer Rights Violations : Under the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ), Synchrony Bank has a legal obligation to ensure the data they use to make credit decisions is accurate. By failing to clear this " fraud '' flag from their internal system after I verified my identity, they are using inaccurate information to deny me credit. They have failed to provide a meaningful way to resolve a known internal system error, effectively barring me from a service I need for medical/health expenses. 5. Desired Resolution : I request that Synchrony Bank manually clear the erroneous " fraud '' flag from my internal profile and Social Security Number. I further request that they either reopen my original CareCredit account with the previous terms or provide a manual override to allow my new application to be processed without being blocked by this corrected error.

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: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I repeatedly requested debt validation through their portal XXXX provided contact information, but my requests were ignored. They have continued XXXX send text messages and make calls threatening legal action, even though they have not provided the requested information..

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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We are shocked with Chase Bank 's decision to ignore the evidence we have provided on multiple occasions, supporting Medicaid Fraud, including the Center for Medicare/Medicaid Services ' , a branch of the Federal Government, findings on XX/XX/2026 which support this. According to Chase Bank, {$2700.00} isn't considered 'fraud ' by their own definition. If the Federal Government determined this is a case of Fraud, then all transactions are Fraudulent. Can't be a little case of fraud. Can't be partially fraud. In addition, per our conversation with XXXX on XX/XX/2026, Chase Bank over charged our account for three transactions, {$980.00}, {$880.00}, {$880.00}, for a total {$2700.00}. He confirmed this as an accounting error on Chase Bank 's part, thus a full refund is appropriate. XXXX explained we could expect to see the funds deposited by XX/XX/2026. We have yet to see this happen. XXXX asked for supporting documents to be emailed. I explained we had previously sent supporting evidence, which he replied there was not documentation attached to our case. We had to resend all evidentiary documents via email to a specific address. And to our shock and disappointment, Chase Fraud Department replied they would review our case and could expect to hear back from them in 30 to 90 days! This is absolutely unacceptable, unprofessional and juvenile. We have been beyond patient. We have done all the investigative work for Chase Bank Fraud Department which took 7 months of our lives, our health and well-being. It has damaged our faith in Chase Bank. We are aware we are not the only Americans who have been victims of this kind of fraud. Americans need to know what and who Chase Bank value. This is our final communication regarding this issue via this platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I was a victim of online identify theft from a XXXX scam that tried to charge me {$130.00} for a service I did not receive/request. The scammers opened up a fraudulent account without my knowledge after they somehow obtained my SSN, drivers license information, debit card number, address, name, phone number, etc. ( which was how they managed to open the account in the first place ). After I found out my information had been stolen, I immediately notified the authorities and opened up a police investigation ( see attachment for the police report ). I also received a dispute letter from my bank XXXX XXXX XXXX XXXX XXXX ) confirming that my debit card had been stolen and I was a victim of identity theft. They sent me a dispute letter confirming the results ( see attachment ). However, it took me a very long time of debating with XXXX to finally get them to honor my disputes and confirm that this amount was not mine. I spent several days calling them/pleading with them that this amount was not mine and it was opened without my knowledge. I sent them all the documentation proving my innocence ( including police reports, bank dispute letters, and collection agency dispute letters ). And after fighting back, XXXX finally removed my account in XX/XX/XXXX and excused me from any outstanding balances that were opened without my knowledge ( see attachment for XXXX 's dispute letter ). The amount fell off my credit report, and I thought I was in the clear ... until a month ago in early XXXX. XXXX moved this " debt '' to a collection agency called XXXX & XXXX . So, I contacted XXXX & XXXX and sent them the documentation proving my innocence. They honored my request ( see attachment ) and removed my account from their system. However, even though my account was removed from XXXX XXXX XXXX XXXX XXXX sent it to ANOTHER collection agency who is threatening to ping my credit if the balance is not paid. I just received a letter in my email claiming that the debt collection was moved to another collection agency called Credit Control LLC. I was very confused and frustrated because I thought this " outstanding amount '' was already resolved with XXXX. But I guess someone at XXXX didn't do their job by deleting " my account '' properly. So now, I have no idea what to do, and I'm finished trying to resolve the issue with XXXX. Every time I resolve the issue, I feel like XXXX ignores the proof and continues to push collection agencies into my life. I need to take it to the next level by going to the Consumer Financial Protection Bureau. Please help me contact XXXX and permanently delete my account so this never comes up again. This is harassment, and I feel trapped inside a never-ending loop of XXXX debts that aren't even mine. Please help!!!

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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I deposited a {$25000.00} check at a branch of Wells Fargo. At the time of deposit, I was provided a written funds availability schedule on my receipt stating that a portion of the funds would be available on XX/XX/year>, and the full amount would be available on XX/XX/year>. No funds were made available on XX/XX/XXXX as stated. On XX/XX/XXXX, after noticing that my account had become negative and transactions were being returned, I contacted the bank. During that call, a customer service representative stated there was an issue with my signature and that the funds would now be held until XX/XX/year>. I asked to speak with a supervisor, who confirmed the same information and stated that nothing could be done. Also on XX/XX/XXXX, I visited the branch where I made the deposit in person and spoke with a representative and a manager. During that visit, I was told a different explanation, that the hold was due to the funds not yet being received and that a manual hold had been placed. No additional details were provided, and no partial funds were released despite the original written availability date. I was also told that they were going to elevate my case as the lack of communication is against policy. As of XX/XX/year>, no funds have been made available, including the full amount that was originally scheduled for release on that date. I have not received any formal written notice of an extended hold or change in funds availability. All information about the delay has only been provided after I initiated contact, and I have received inconsistent explanations from different representatives. We contacted the issuing bank and confirmed that the funds were sent as of XX/XX/year>. Due to the delay and lack of access to funds, my account has become negative, transactions have been returned, and I have incurred late fees and financial hardship. I am requesting a review of this situation, proper documentation of the hold, reversal of all related fees, and consideration of a partial release consistent with the original funds availability disclosure.

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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX has not produced the instrument creating the alleged debt ( signed lease ), has not produced evidence of its authority XXXX collect ( placement/assignment ), XXXX has not itemized the {$2200.00} as required therefore ( a ) collection must cease under XXXX ( b ), ( b ) the amount is not " expressly authorized by the agreement creating the debt or permitted by law '' under XXXX ( XXXX ), XXXX ( c ) the information is unverifiable XXXX must be deleted under XXXX ( b ) ( XXXX ) ( XXXX ). The " never signed the XXXX National Credit Systems XXXX XXXX ( " XXXX '' ) is reporting and attempting to collect an alleged {$2200.00} debt purportedly owed XXXX The XXXX at XXXX XXXX ( XXXX XXXX, FL ). I dispute this debt in full. I did not sign the lease XXXX relies on, XXXX no valid underlying obligation ever arose. On XX/XX/year> I sent XXXX a dispute XXXX validation request under XXXX XXXX XXXX ( b ) by email and have yet XXXX hear back from them. I specifically requested ( XXXX ) a complete copy of the signed lease bearing my original signature, ( XXXX ) a full itemized statement of the charges comprising the {$2200.00}, ( XXXX ) the XXXX XXXX written notice of intent XXXX impose a claim on any security deposit required by XXXX XXXX. XXXX ( XXXX ), ( XXXX ) the move-in/move-out inspection reports XXXX supporting invoices or receipts for any alleged damages, and ( XXXX ) documentation of XXXX 's authority XXXX collect this debt. XXXX has [ not responded/ responded without providing any of the requested documentation/ merely restated the balance ].

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I am submitting this complaint regarding Sunrise Credit Services , Inc. for inaccurate reporting and collection of an XXXX XXXX XXXX account. The account in question is XXXX & XXXX account number ending in XXXX ( full account number XXXX ). On XX/XX/year>, I logged directly into my XXXX XXXX XXXX account and the balance due was listed as {$120.00}. I paid the full balance of {$120.00} directly to XXXX XXXX XXXX on XX/XX/year>, and received confirmation number XXXX. Despite this payment, Sunrise Credit Services is still reporting and attempting to collect a balance of {$770.00} on the exact same account number. Sunrises website states that the current balance does not include postdated payments, however I made the payment directly to XXXX XXXX XXXX and Sunrise continues to report a significantly inflated balance that does not match the creditors own records.

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 — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
XXXX XXXX a chairman CFO Bank of America financial center XXXX XXXX / illegal operations copyright trademark infringement illegal transfer of ownership control asset bankruptcy XXXX XXXX lien garish payroll seized asset transfer ownership I told them there only one trustee revocable trust XXXX living trust XXXX XXXX XXXX exchange commission now everyone provides ein number if not I'm demanding close everyone account down transfer funds bank into my damm account an file crimal prosecuted sale stock with permission cash management account my account better be open if not XXXX XXXX dollars compensation sanction each counts XXXX XXXX dollars every time my check denied compensation my check better clear ever time routing number XXXX account number XXXX this only account at bank of America financial center

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