vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I opened a TD Bank savings account with a promotion bonus offer. The promotion required maintaining a balance of {$10000.00} for 90 days following a 20-day post-opening period. I deposited the required amount timely and kept it there. 

On XX/XX/XXXX, my account balance temporarily fell below {$10000.00} due to a system-applied maintenance fee. I had sufficient funds in the account, so this fee should not have been applied. 

I became aware of the fee on XX/XX/XXXX, and contacted TD Bank by phone. I was informed that the fee was applied in error and was subsequently refunded. Since my balance had been below {$10000.00} for the past several days, I explained my concern about my promotion eligibility. The representative assured me that the error would not affect my eligibility and advised that I would receive a response regarding my bonus within five business days. 

On XX/XX/XXXX, having received no follow-up, I sent a secure message confirming the situation and included the reference call number. On the same day, XXXX from TD Bank responded that the bonus would be paid on XX/XX/XXXX, and advised me to follow up if it was not received by that date. 

On XX/XX/XXXX, the bonus was not credited. I followed up with TD Bank, explaining that the temporary drop below {$10000.00} had been caused by a system-applied maintenance fee, which had already been acknowledged as an error. I requested confirmation that this would not affect my promotion eligibility and asked for the matter to be escalated to the Leadership or Promotions Team. 

TD Bank ( XXXX ) requested details of who had confirmed the error, even though I had already provided the reference call number, and at no point did they explain whether any investigation was conducted based on that reference. Furthermore, I explicitly noted that the balance drop was due to a maintenance fee that should not have applied given my account balance, but TD Bank never addressed whether the fee should have been appliedthey simply stated that my balance fell below the {$10000.00} requirement. This lack of consideration and explanation is unacceptable. 

Ultimately on XX/XX/XXXX, TD Bank responded that, because my account balance fell below {$10000.00} on XX/XX/XXXX, the promotion terms disqualified my account from receiving the bonus. 

P.S. My savings account was closed right after XX/XX/XXXX, but I never received any communication on this from TD bank. I don't know what was going on. 

Call Reference Number : ( RM : XXXX ) Account Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is identify thief this account doesn't belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was the victim of a documented online investment/task scam involving fraud and misrepresentation. I was deceived into sending funds through PayPal to a platform that falsely represented itself as legitimate. The platform displayed fake balances, blocked withdrawals, and demanded additional payments. 

I filed a police report documenting fraud, identity theft, and unauthorized electronic transactions. Despite this, PayPal denied my claim solely based on IP address consistency, ignoring the substance of the scam and the lack of informed consent. 

This transaction was not a legitimate purchase or service. It was induced by deception and false promises, which invalidates consent under consumer protection standards. 

I am requesting regulatory review and that PayPal reconsider this transaction under fraud by deception, scam, and services-not-rendered protections. 
PayPal acknowledges that I was the victim of a scam but refuses relief based on internal XXXX XXXX exclusions rather than the substance of fraud by deception. Funds were sent through PayPal under false representations. PayPal has declined to assist despite a police report and clear evidence of scam activity. I am requesting regulatory review and intervention

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am submitting this complaint against US Bank Home Mortgage regarding the accuracy and verification of late-payment information being furnished on my mortgage account, Account No. XXXX. US Bank Home Mortgage has reported late-payment activity for the periods of XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. 

I have requested confirmation as to whether the reported late-payment status for these months aligns with US Bank Home Mortgages internal payment records , including how any alleged delinquency was calculated in relation to the account balance, payment application, and account status during the reported periods. At present, the reporting lacks sufficient transparency to determine whether the late-payment information is accurate, complete, and supported by the furnishers own records. 

As the furnisher of this information, US Bank Home Mortgage has a duty to ensure that any negative payment history reported to consumer reporting agencies is accurate and fully verifiable. Without clear confirmation that the reported late payments correspond precisely with the accounts internal payment history and servicing records, the accuracy of the reported delinquency remains in question. 

This request is made solely to ensure that my credit information is being reported accurately and in compliance with applicable consumer protection laws.

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 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I am submitting this complaint against Mazda Financial Services regarding the reporting of late-payment information on my consumer credit account. 

Mazda Financial Services is reporting late-payment notations on account number XXXX for the following months : XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through XX/XX/XXXX. I have requested confirmation of whether these reported delinquencies accurately reflect Mazda Financial Services internal payment records. 

Specifically, I am disputing whether the reported late-payment status for the months listed aligns with the actual payment activity, account balance, and account status at the time the alleged delinquencies were reported. The calculation and reporting of these late payments have not been adequately explained or supported with documentation. 

Under the Fair Credit Reporting Act, furnishers are required to ensure that information reported to consumer reporting agencies is accurate and fully verifiable. Reporting late payments without confirming their consistency with internal records, or without the ability to demonstrate how the delinquency was calculated, constitutes inaccurate and incomplete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I am filing this complaint against Toyota Motor Credit Corporation regarding the reporting of late-payment information associated with Account No. XXXX for the months of XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through XX/XX/XXXX, as well as Account No. XXXX for XX/XX/XXXX. I am requesting confirmation that the reported late-payment status for these periods aligns with Toyota Motor Credits internal payment records. 

Specifically, I seek clarification regarding how the alleged delinquency was calculated in relation to the account balances, payment postings, and account status at the time the late payments were reported. Without a clear explanation demonstrating consistency between the reported delinquency and the internal payment history, the accuracy of the reported information can not be verified. Reporting late payments without transparent validation raises concerns regarding compliance with accurate furnishing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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: Blackhawk Network Holdings Inc.
State: TN

Complaint narrative:
I bought 6 XXXX XXXX XXXX gift cards from XXXX. they say they are already redeemed. I have not redeemed the cards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$710.00} for lodging at XXXX XXXX in XXXX XXXX, CA. The room was materially different from what was advertised and in unsanitary condition, including strong odors, stained and ripped bedding, and a dirty bathroom. These issues were discovered only after check-in. 
I filed a billing dispute with Citibank for services not as described. Citibank denied the dispute, stating I accepted the services with prior knowledge, which is inaccurate. I did not have advance knowledge of the conditions and stayed only because alternative lodging was unavailable due to a sold-out holiday period. Citibank closed the dispute and rebilled the charge without adequately addressing the defective service.

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 2026-01-05 00:00:00
Product: Prepaid card — Gift card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I participated in two separate My Best Buy Credit Card promotional offers, each advertising a {$45.00} reward certificate if I made three recurring transactions outside of Best Buy with my card. 

First promotion : Valid XX/XX/year> XX/XX/year> Second promotion : Valid XX/XX/year> XX/XX/year> I activated both offers and completed the required recurring transactions during each promotional period, meeting all stated conditions. The promotions stated that rewards would be awarded 34 weeks after the end of the promotional period. 

Despite satisfying the requirements, neither {$45.00} reward certificate was delivered or made visible in my Best Buy account or app. I contacted Best Buy multiple times to resolve this. 

During an XXXX phone call, a representative confirmed that a reward certificate had been issued for the first promotion and provided the last four digits of the certificate ( XXXX ), but the certificate was never accessible to me. In later calls, Best Buy representatives gave conflicting explanations, stating that certificates were issued and later expired, even though they were never delivered or visible. 

Best Buy opened multiple internal cases to investigate, including XXXX # XXXX and Back XXXX XXXX # XXXX, and stated that resolution would be provided by email after review. One representative stated that reward issuance is handled automatically by an internal system. As of now, no reward certificates have been delivered, reissued, or credited, despite meeting all promotional requirements. 

This is a failure to deliver advertised promotional rewards, not a failure to redeem them. I am seeking re-issuance or account credit for the full {$90.00} in promised reward certificates.

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 2026-01-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America , N.A . for reporting unverified and potentially inaccurate late-payment information on my credit file in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681e ). I formally requested verification of the reported late payments for the account ending in XXXX, specifically for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through XX/XX/XXXX, asking Bank of America to confirm whether the alleged delinquencies align with its internal payment records and to explain how any delinquency was calculated. To date, Bank of America has failed to provide proper verification or documentation substantiating the accuracy of this negative reporting. Furnishing late payments without maintaining or producing reasonable evidence of accuracy constitutes unlawful reporting and ongoing consumer harm.

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 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am submitting this complaint against Santander Consumer USA regarding the reporting of late-payment information associated with Account No. XXXX for the months of XX/XX/year> through XX/XX/year>. I am requesting confirmation that the reported late-payment status for these months accurately reflects Santanders internal payment records. Specifically, I am seeking clarification as to whether the alleged delinquency aligns with the accounts balance, payment application, and overall account status during the disputed periods.

At present, the late-payment reporting lacks sufficient explanation as to how the delinquency was calculated in relation to the accounts actual payment history. Without a clear reconciliation between the reported late payments and Santanders internal records, the accuracy of the information can not be reasonably determined. Reporting late payments without proper substantiation raises concerns regarding the reliability and integrity of the data being furnished to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I am filing this complaint against Cherry Financing/ Cherry Technologies for improper handling of a refunded transaction and for submitting inaccurate information during a credit card dispute process.

Cherry Technologies charged {$440.00} to my XXXX XXXX credit card. Cherry Financing/ Cherry Technologies later issued and confirmed a full refund for this charge. However, despite issuing the refund, Cherry Technologies submitted a dispute response to XXXX XXXX contesting the chargeback, which directly contradicted their own refund confirmation. 

When I contacted Cherry Financing/Cherry Technologies to clarify why they disputed the chargeback after issuing a full refund, they were unable to provide any explanation. The documentation they provided to me clearly shows that the refund was issued, yet their dispute response caused my bank to deny the chargeback and hold me financially responsible. 

As a result of Cherry Financing/ Cherry Technologies actions, I was forced to submit refund documentation to my credit card issuer, endure a denied dispute, and face ongoing financial harm for a charge that Cherry Technologies has already acknowledged should not be owed.

Cherry Financing/ Cherry Technologies conduct resulted in : Submission of inaccurate or inconsistent dispute information Failure to properly communicate refund status to the card issuer Consumer harm caused by unnecessary dispute escalation Delay and obstruction of a valid refund resolution I am requesting CFPB assistance to ensure that Cherry Technologies : Corrects its dispute records with Capital One Acknowledges in writing that the {$440.00} balance is not owed Ceases submitting inaccurate dispute responses after refunds are issued Reviews its dispute-handling and refund communication practices Cherry Financing/ Cherry Technologies actions undermine consumer protections and interfere with lawful chargeback and refund processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Complaint Against USAA Federal Savings Bank Improper Fee Due to Account Access Failure On XX/XX/XXXX, I contacted USAA in advance because I needed to withdraw {$26000.00} from my USAA checking account to purchase a vehicle the following day in another state. During that call, USAA approved and increased my withdrawal limits, specifically : ATM withdrawal limit increased to {$5000.00} In-branch/lobby withdrawal limit increased to {$20000.00} This approval occurred at approximately XXXX XXXX  on XX/XX/XXXX, and I relied on this authorization when traveling out of state for a time-sensitive vehicle purchase. 
Later that day, I was only able to withdraw {$2400.00} from an ATM. I then traveled overnight and attempted to withdraw additional funds while in Oklahoma at approximately XXXX XXXX. I attempted XXXX ATM withdrawals of {$2000.00}, both of which were declined, despite being well under the approved daily ATM limit. 
I immediately contacted USAA and was informed that the issue was related to their system and that my access should reset within XXXX minutes. This did not occur. Instead, I was completely locked out of my account until XXXX XXXX, preventing me from accessing my own funds. 
At approximately XXXX XXXX, USAA unlocked my account. I was able to withdraw {$800.00} from a Bank of America ATM. Shortly thereafter, my debit card locked again, and USAA failed to restore reliable access despite prior authorization and multiple contacts. 
As a direct result of USAAs failure to provide access to my checking fundsfunds that were previously approved for withdrawalI was late for my vehicle purchase appointment and was forced to take a {$500.00} cash advance from my USAA credit card to complete the transaction. USAA then charged me a {$25.00} cash advance fee. 
I contacted USAA and requested that this fee be reversed, explaining that the cash advance was only necessary because USAAs systems repeatedly blocked access to my checking account after approving the withdrawal limits. USAA refused to refund the fee. 
This fee was not the result of misuse, exceeding limits, or customer error. It was incurred solely because USAA failed to honor its prior authorization and failed to maintain access to my account, despite repeated assurances. 
I believe this charge is unfair and unreasonable, as the fee would not have occurred but for USAAs service failure. I am requesting reimbursement of the {$25.00} cash advance fee and a review of USAAs account access and lock procedures when prior withdrawal authorization has been granted.

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 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I was looking for a security system. I called XXXX and ordered one and after I gave the card number they told me I will have to set up the security system myself. I told them I cant do it by myself. I needed a technician. They sent it anyway. I called and asked for a return address and they refused to give me one. I recorded the conversation. 

I called affirm credit card company to dispute the charge and they still charged me for it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have been with XXXX Federal Credit union for about 5 years never had a problem paid all my bills on time my car and credit card. I became unemployed and they agreed to help me and I maintained the agreement and they closed my acct. they have continuously denied me credit even when my accounts have always been paid up and on time. I need to file a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
this is identify thief this account doesn't belong to me

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 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MN

Complaint narrative:
I had {$220.00} bucks on cash app sent to me by my cousin and I had trouble logging into my cash app called customer service and they said I wasnt giving the right info I wasn't giving the right email or phone number and it's like if I knew this info I wouldn't contact u guys. I had changed the debit card I had linked to my cash app so I couldn't answer the 3 questions it asks you to retrieve your account and log in that way without customer service help. Other than that I knew a lot of information that someone else would not of known unless someone told them already or they knew already and that's impossible. I need help very bad to get my XXXX bucks in cash back to me ASAP!! This happened on XX/XX/2024 from my cousin on cash app her name is XXXX XXXX her cash app name is XXXX XXXX or something like that she sent me money every month on the XXXX for over XXXX straight as well as a lot of other transactions from her to me.

Company response to consumer: Closed with explanation