vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
XX/XX/year> {$200.00} came out of my XXXX XXXX at bank I did not authorize and XX/XX/year> {$350.00} again came out of my bank I did not authorize. Tried clearing up with bank and nothing.tried closing XXXX and they sent me a new card. I'm dissabled on a tight budget. That was my bill money and I have no one to depend on except myself. That was bill money! I just want my money back. I can not afford this or my bills not to get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft and account takeover. On XX/XX/year>, my personal information was compromised, and I lost control of my bank account. Unauthorized access was made to my account, and a wire transfer totaling approximately {$60000.00} was sent without my knowledge or consent. I did not initiate, authorize, or approve this wire transfer in any manner. I did not share my banking credentials, passwords, or verification codes with anyone. As soon as I discovered that I had lost control of my account and the unauthorized transaction had occurred, I immediately contacted the bank and reported the fraud. However, the bank denied my fraud claim and refused to reimburse the {$60000.00} unauthorized wire transfer. This loss was the direct result of identity theft and unauthorized account takeover. I am requesting a full investigation and reimbursement of the {$60000.00} unauthorized wire transfer.

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 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Was trying to rent a house and got a lease and every thing sent XXXX dollars through PayPal and was scammed disputed and filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This letter serves as a dispute of the reported late payments and delinquent status that are incorrectly listed on my credit report. Such notations are inaccurate and must be removed, and the account status should be updated to Paid as Agreed.

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 2026-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This letter serves as a dispute of the reported late payments and delinquent status that are incorrectly listed on my credit report. Such notations are inaccurate and must be removed, and the account status should be updated to Paid as Agreed.

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 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a complaint against cash app ( block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Futhermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate readress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Used XXXX XXXX for XXXX transactions on XX/XX/year>. {$10.00} and {$20.00} After that, a few days later around XX/XX/year> I began receiving request on XXXX XXXX for {$150.00}, which I immediately declined. Somehow, unknown to me, these " criminals '' used XXXX XXXX to begin making fraudulent charges on my American Express credit card. At NO time did I use my XXXX card, I did NOT give my XXXX card to someone to use, and I had posession of the card at all times. The final charges were near XXXX XXXXXXXX which, initially XXXX reimbursed me and then out of the blue reversed their decision accusing me on giving someone my XXXX card or card XXXX to use - totally bogus, lie, false accusation. I have been an XXXX customer for over XXXX years. XXXX needs to take off those charges, late fees, and interest - please, I beg you to help me because I can not afford to lose over $ XXXX. I am XXXX XXXX XXXXXXXX, and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am filing a complaint against PNC Bank regarding repeated account restrictions and improper handling of a prior fraud designation. Previously, my account was flagged for fraud, but I was not provided clear documentation identifying the specific transaction ( XXXX ) at issue or a formal resolution notice. Despite this, my account continued to function. My account is structured so that it should not allow negative balances ; however, it repeatedly went negative. When legitimate deposits were made, those funds were immediately applied toward the negative balance. I was then denied ATM access and locked out of online banking without prior notice or a current explanation. I have not been provided written documentation explaining why my account was allowed to go negative, why deposits were applied in this manner, or why access has now been restricted again. As a result, I have been left without access to my funds for basic living expenses. I am requesting a full written explanation of all fraud-related actions on my account, documentation identifying specific transactions involved, confirmation of whether any investigation is currently active, restoration of access to available funds, and correction of any improper balances or fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX : XXXX XXXX : XX/XX/XXXX. XXXX Inquiries : XXXX : XX/XX/XXXX. XXXX : XX/XX/XXXX. XXXX XXXX XXXXXX/XX/XXXX. XXXX Inquiries : XXXX : XX/XX/XXXX. XXXX : XX/XX/XXXX. XXXX : XX/XX/XXXX.

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 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase Southwest credit card which had a small annual fee of {$39.00} and I did not request changes to their Southwest credit card and they raised the fee to {$99.00} annual. I feel that they are ripping off consumers without consent. I do not want to close my account, but dont wan na be taken advantage of with their new annual fee. I would like to get a {$99.00} annual fee credit at renewal. I called and asked and they would not offer me a no annual fee card. They refused. They are becoming too big for the britches and are inching up to be Predatory lenders. This is why we need better bank regulations and consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I used my card to pay my estimated deductible on a procedure. My insurance covered the procedure 100 % after I made my initial {$250.00} payment and a credit from the procedure was issued back to the card immediately leaving my {$250.00} credit. I requested a refund and nearly 3 months after I requested the refund I have not received it yet by mail. I requested the refund be returned to the card the payment was made from and they said they can't do that. The representative assisting me, XXXX, is no longer working there. She extended a {$25.00} credit to the account for the inconvenience but I have not received the {$250.00} refund due 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 explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo You are Adding To this, ,MAKING THINGS WORSE, BOTTOM LINE There is ABSOLUTLY NO LEGAL WAY that you will EVER NEVER GET AWAY WITH THIS NEVER BOTTOM LINE FRAUDULENT ALTER MEDICAL POWER OF ATTORNEY. DONT FLY AND WELL 9 DAYS BEFORE MY MOTHERS DEATH THE ONLY ACCOUNT OWNER WALKED INTO THIS BANK A VERIFYED EVERYTHING, ,YOU GUYS NEED TO FIND THAT SOLID FINE PRINT HIDDEN SECRET, AND THAT TRUST ACCOUNT THAT EXTRA SECURITY 'S OH YES YOU HAVE EVERYTHING AND MY SIGNED SIGNATURE MY MOTHER WOULD FOR SURE CLOSE THIS BRANCH DOWN, THERE IS NOTHIN WHAT SO EVER AND NO THE SIBLINGS THAT WAS DRAGGED UNTO THIS,, NO THEY DONT HAVE TO REPAY A DIME NOT XXXX CENTS THIS WAS WELLS FARGO EMPLOYEES MAKING THESE I DEMAND CONSUMER PROTECTION TO GET THE HARD COPY XXXX OF EVERY YOU ARE TO PROTECT MY RIGHTS WHEN THIS BANK REFUSES TO BE HELD ACCOUNTABLE I!! All The Laws and Documents at in My Legal Name. Yes This Is All Due. Today

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 2026-02-23 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: MI

Complaint narrative:
THE AMOUNT OFF {$78.00} WAS IMMEDIATELY WITHHELD AND NOT RELEASED BY CASH APP. ( THEY NEXT DAY I RECEIVED THESE SEPARATE CHARGES NOTICES BY XXXX BECAUSE CASH APP DID NOT RELEASE THE HOLD IMMEDIATELY AFTER PURCHASE ) AND IMMEDIATELY CONTACTED CASH APP AND CANCELLED MY CARD BECAUSE I BELIEVED IS HAD BEEN COMPRESSED AFTER SHOPPING ONLINE. THESE ITEMS FROM XXXX TOTALED {$78.00} ; WHEN CASH APP PLACED A HOLD INSTEAD OF RELEASING THE FUNDS TO XXXX IMMEDIATELY AFTER PURCHASE. THIS CAUSED XXXX TO DOUBLE CHARGE MY ACCOUNT & FORCE ME INTO NEGATIVE BALANCES AND/OR TAKEN ANY EXTRA FUNDS THAT WAS BEING ADDED TO COVER THE COST OF OTHER PURCHASES. CASH APP ALLOWED XXXX TO DOUBLE CHARGE ( $ XXXX {$33.00} & {$34.00} = {$78.00} ) AGAINST MY ACCOUNT AS IF IT WAS INSTALLMENT PAYMENTS AND/OR SEPARATE PURCHASES INSTEAD OF RELEASING THE PENDING/HOLD IMMEDIATELY AFTER PURCHASE AND/OR ALLOWING THE 3 CHARGES TO DEDUCT FROM THAT ( PENDING/ HOLD ) THIS NUISANCE COULDVE BEEN PREVENTED IF CVS WAS PAID IN FULL IMMEDIATELY AFTER PURCHASE TO-DATE ONLY {$44.00} HAS BEEN RETURNED TO MY ACCOUNT ; THAT WAS ONLY BECAUSE IVE CALLED OVER SEVERAL TIMES TO COMPLAIN. THIS IS A UNACCEPTABLE BUSINESS PRACTICE THAT NO ONE SHOULD BE SUBJECTED TOO IF YOURE GOING TO PLACE A HOLD AGAINST PENDING TRANSACTION ( S ) FROM A MERCHANT THAT ADDS UP TO THE EXACT AMOUNT OWED THEM TO SUBMIT/REQUEST THEIR OWED BALANCE ( s ) AFTER THE FACT ) THEN IT SHOULDVE BEEN DEDUCTED FROM THE HOLD NOT MY ACCOUNT. A DISPUTE HAS BEEN FILED AGAINST THESE DOUBLE CHARGES & CASH APP HAS AUDACITY TO REQUEST RECEIPTS FOR A PROBLEM CAUSED BY THEM THIS WAS NOT A CANCELLED PURCHASE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony bank the credit provider for XXXX XXXX credit card has been sending me a bill since XXXX or so for {$30.00}, then multiple fees and charges since then. I have spoken with them XXXX times now, THEIR agents have told me everytime that this charge was due to the store not refunding me the entirety of a charge, they didnt refund {$30.00} for some reason. Every employee told me they would make note on the account as I told them I would never pay the bill as I never received anything product wise in return and that they were committing fraud by doing such, I told them to quit contacting me about a fraudulent debt and they have since called XXXX times more and all say the same thing that I should not be charged. My credit score has fallen because of this. I wish to pursue financial compensation and legal action against synchrony bank for fraud and for the continued harassment and negative impact to my credit score and mental health being harassed about a debt I do not owe

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 2026-02-23 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX gentleman with glasses XXXX XXXX didnt give no name just said he with XXXX XXXX Jefferson capital system LLC went to the address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX rang the door bell and my mother thats an old lady opened it and he immediately grabbed her tried to forcefully take her into his car saying he is a debt collector from XXXX XXXXXXXX to arrest her and turn her in to jail for a debt I didnt do someone stole my identity while I was out of the country and made numerous credit cards off my name and everything has been handled but for some reason this gentleman went out his way and came to my mothers address and attacked her illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am a consumer of ShellPoint. I was in active bankruptcy when they filed for foreclosure. Then they petitioned the bankruptcy court to say that I could not afford to pay my debt. This was after I was supposed to pay XXXX XXXXXXXX plus my Bankruptcy amount of XXXX XXXXXXXX. Shellpoints increased my monthly payments to XXXX XXXXXXXX month. And since XX/XX/XXXX I supposedly accumulated a debt of {$60000.00}. Shellpoint got my bankruptcy kicked out. Then they got a clause attached stating I I cant re-file for bankruptcy for the next XXXX months. So now my home is up for XXXX sale XXXX XXXX. All of the tactics that My mortgager has used are definitely questionable and possibly illegal. I had paid my previous bankruptcy off and I didnt miss anything mortgage payments since XXXX through XXXX. But then they stopped accepting my payments. Got my bankruptcy kicked out.

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 2026-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Dear Customer Service Team, I hope this message finds you well. I am writing to formally address a concern regarding my mortgage account with Rocket Mortgage. It has come to my attention that I have overpaid, as you claimed I was XXXX months behind on my payments, which is not accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have records that clearly demonstrate that I have been current with my mortgage payments, including bank statements that confirm timely payments. Additionally, I recently made an additional payment of {$2000.00} based on the erroneous information provided to me regarding my account status. Given this situation, I kindly request a review of my account and a refund for the overpaid amounts as soon as possible. I am happy to provide any documentation needed to support my claim. Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
hi i called multiple times the bank bmo to report fraud transactions that ive never authorized after my card was stolen and it was not reported by bmo. nothing was done i want my money stolen back pls see the fraud transactions that i never authorized below XX/XX/XXXX safari park lodge XXXX $ XX/XX/XXXX jl by pass ngurah rai denpasar XXXX $

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 2026-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MO

Complaint narrative:
Everytime ive enrolled in college they take overcharge me for my classes and XXXX University kicked me out if school after I passed the classes they told me to and they stopped giving me my money

Company response to consumer: Untimely response
Consumer complaint received 2026-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Flat Branch Mortgage, Inc.
State: MO

Complaint narrative:
I am filing a complaint regarding a mortgage loan officers lack of communication and failure to process my loan application in a timely or professional manner. I submitted my loan application on XX/XX/XXXX. The XXXX XXXX contacted me that same day and again on XX/XX/XXXX requesting documentation, which I promptly provided. On XX/XX/XXXX, she informed me she was leaving for the day and stated she would work on my application over the weekend. After that message, I received no further communication from her. By XX/XX/XXXX, having heard nothing, I emailed her to ask whether she needed anything further from me to proceed. She did not respond. However, she silently added a new document request task in the application portal without notifying me. I discovered this myself on XX/XX/XXXX and immediately uploaded the requested documents. As of XX/XX/XXXX, I still have not received a single response, update, acknowledgment, or status communication from her since XX/XX/XXXX. My application appears stalled with no explanation, despite my prompt submission of all requested materials and repeated attempts to communicate. This lack of responsiveness, failure to provide updates, and apparent neglect of my application has caused unnecessary delays and concern during a time-sensitive mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: TN

Complaint narrative:
I payed my loan off and I'm doing everything they said to get another loan but they keep having my account suspended!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX through Westlake Financial on XX/XX/XXXX. Shortly after purchase, the vehicle developed severe mechanical defects including major engine oil leaks, excessive oil consumption, burning oil smell, smoke after adding oil, and unsafe driving performance. Multiple repair attempts have been made, including replacement of transmission and engine oil system components, without resolving the problem. The vehicle is not reliable and I can not use it to work, which has caused financial hardship. I notified the dealer ( XXXX XXXX XXXXXXXX ) and requested cancellation of the sale due to undisclosed pre-existing defects. I also contacted Westlake Financial multiple times requesting a formal dispute, payment assistance, and account protection, but my requests have been ignored and I have not received any meaningful response. I am requesting that my account be placed under formal dispute protection, that the financing of a defective vehicle be investigated, and that I receive assistance while this dispute is pending.

Company response to consumer: Closed with explanation