vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: AR

Complaint narrative:
Earnin has mixed up by payday date so many times. Most recently I had an issue with my pay, it was deposited and withdrawn and I was waiting on a check so I could deposit it. Earnin app showed I could change the payment date on XXXX XXXX. Then that option disappeared that day. I asked to reschedule as I have been using the app for awhile and never had issues. They are so hard to contact or get a non generated response. They then tried to withdraw the amounts from my account on XX/XX/XXXX. My bank blocked the charges as I do not authorize overdraft. Earnin then changed the way they were charging me somehow, and on XX/XX/XXXX I woke up to my bank account overdrafted in the amount of - {$570.00}. Ive tried to get the pre authorizations canceled so I can fix my account but they have now ruined my bank account and also did so with XXXX different transactions that my bank will try to charge very HEFTY fees for, as if XXXX fees arent enough. This has financially ruined my household and no one I have spoke to even tries to fix this error. They were never authorized to overdraft my account like this nor change the way they use MY banking information. I want the XXXX balance resolved immediately. My bank account has NEVER overdrafted for even {$1.00} because I dont have this feature. The XXXX day, they attempted XXXX and my bank blocked it without the charge amounts in my balance, they have found a way around it and charged again, ruining my Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC
State: UT

Complaint narrative:
I am seeking proof of account payoff and closure. Any email I send bounces back, they do not call me back when a call back is requested. I have sent message after message through their online portal. I have spent years dealing with this company and it is nearly impossible to have them provide resolution. Their reviews online are also false.

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 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
This is with Ally Financial. We paid off the loan back in XXXX of XXXX it took weeks to receive a congrats you paid off the loan letter, but no lien release. I've made multiple calls in XXXX and XXXX asking for the lien release and where is the title and I've gotten different answers every time- they don't have the title, oh they do have the title, it was sent to the finance company, no to dmv XXXX no it was sent to the finance company. The title was supposedly sent XX/XX/XXXX, no one has received it. Not the finance company, not the state of Montana. And prior to this, during my loan, they didn't seem to know if they had my title or not. I could never get a clear answer. I called and requested the lien release on XX/XX/XXXX to be faxed immediately so at least we could get a replacement title, now 3 days later, still no fax. I feel like my hands are so tied. It's all international people that are difficult to understand and they say they will put a note to send the fax. Meanwhile, everyone is being held up and the person that bought my truck is no doubt nervous that he just got scammed. Based on this, I would never use Ally Financial again for any other loan.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
Since I've complained every single despute that was proven an error and credit to my account due is now as of XXXX all of a sudden is denied each one.after they already sent me em a ils stating investigation complete credit due is now all of a sudden denied and I wasn't even notified of the change or why after the disputes were already closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: STELLAR BANCORP INC.
State: TX

Complaint narrative:
I am writing regarding the {$900.00} transaction sent via XXXX XXXX to XXXX XXXX on XX/XX/year>. I buy the XXXX XXXX from XXXX XXXX XXXX XXXX {$500.00}, XXXX XXXX XXXX XXXX for {$2400.00} Paid with cash web, because have problems deposit to bank from overseas. I do sand XXXX XXXX on XX/XX/XXXX {$1500.00} And leave {$900.00} remaining Balance. While I understand that I initiated this transaction, the situation was not a simple mistake. I was in communication with another individual and was given XXXX XXXX information that led to confusion during the payment process. As a result, I mistakenly sent funds to an unintended recipient ( XXXX XXXX ), whom I do not know. Immediately after realizing the error, I requested a refund ; however, the recipient refused to return the funds. Given these circumstances, I believe this situation involves misleading communication rather than a simple error. I respectfully request that this case be reconsidered and that the bank assist in recovering the funds or issuing provisional credit. Please let me know if any additional documentation is required. Sincerely, XXXX XXXX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I attached as much of the documentation for payments that I have access to. I've also attached a conversation that took place between XX/XX/year> and XX/XX/year>. Essentially, the company charged me {$1600.00} worth of interest when no math explains that. The rep gave me several explanations, none of which made any sense, and then proceeded to explain the same non-contextual points. They also avoided answering the questions that would've explained the error. It honestly feels like XXXX was handling my case. I'm not trying to get out of the loan. I'm trying to have the interest I was charged corrected. Although, at this point, I think I should also receive some kind of additional credit towards the loan, XXXX % of the remaining balance. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: Chime Financial Inc
State: MO

Complaint narrative:
I am filing a complaint against Chime regarding their handling of unauthorized transactions on my account. I reported a total of XXXX unauthorized transactions, and after investigation, Chime only approved XXXX transactions while denying the remaining XXXX transactions, even though they were part of the same unauthorized activity and occurred under the same circumstances. These transactions were not authorized by me, and I reported them promptly. Despite this, Chime has : Failed to conduct a reasonable and consistent investigation Provided inconsistent determinations on transactions that are clearly related Denied valid unauthorized transactions without sufficient explanation Forced me to repeatedly dispute the same activity Under Regulation E ( Electronic Fund Transfer Act ), financial institutions are required to conduct a thorough and good-faith investigation of unauthorized transactions. Chimes actions suggest that they did not properly review all transactions as part of a single fraud event. Additionally : This is my third time disputing these transactions I was initially told I may be eligible for a provisional credit, but the handling has been inconsistent The denied transactions are from the same merchant/activity pattern ( including Stake.us ), yet were treated differently without justification I am requesting that Chime : 1. Reopen and properly investigate the remaining denied transactions 2. Provide a full written explanation of how they determined some transactions were unauthorized while denying others 3. Issue full reimbursement for all unauthorized transactions 4. Ensure compliance with Regulation E requirements This situation has caused financial hardship and ongoing stress due to the inconsistent and incomplete resolution. I am requesting CFPB assistance to ensure this matter is handled fairly and in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ). I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.

Complaint narrative:
I am filing a formal complaint against Relay Financial ( relayfi.com ), a financial technology company whose banking services are provided by XXXX XXXX, XXXX FDIC. My business account has been restricted since XX/XX/year>. I complied fully with all requests from Relays compliance team and submitted all required documentation promptly. Despite this, my account remains restricted and multiple five-figure incoming wire transfers have not arrived in my account. Here is a timeline of events : XX/XX/year> : Account restricted by Relay without clear explanation XX/XX/year> : Last meaningful update received from Relay representative XXXX ( Request XXXX ) After XX/XX/XXXX : Multiple follow-up emails sent all ignored XX/XX/year> : Relay representative XXXX responded stating they are still awaiting response from our previous wire services provider no further update since After XX/XX/XXXX : Called Relay support 3 times each time promised a response within XXXX hours never received The funds being held are in the five-figure range and belong to my business. This situation is causing severe financial damage to my operations. I have already filed a formal complaint directly with Relay at XXXX, which has also gone unanswered. I am requesting the following : 1. Immediate investigation into the whereabouts of my incoming wire transfers XXXX. A binding timeline for the release of my funds or full restoration of my account XXXX. Written explanation for the continued restriction of my account Relay support reference : Request XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I paid off my Bank of America auto loan in full in early XX/XX/year>, resulting in an overpayment of more than {$1100.00}. Bank of America confirmed the overpayment and initially planned to issue a paper check.On XXXX of last week ( approximately XX/XX/XXXX or XXXX, XXXX ), I spoke with a Bank of America auto loan representative ( phone number XXXX ). The representative agreed to cancel the paper check and process the full refund as a direct deposit / ACH transfer to my external bank account instead. They explicitly promised that I would receive the funds within 3 days.As of today, Wednesday, XX/XX/year>, more than 4 business days have passed since that call, and I still have not received the $ XXXX refund in my bank account. No funds have posted, and I have received no further communication or confirmation from Bank of America.I have already followed up multiple times by phone. The repeated delays ( first with the mailed check, then with the promised direct deposit ) are causing me financial inconvenience. I provided my complete banking details ( routing number, account number, bank name, and account type ) during the call on XXXX XXXX XXXX Actions I have taken so far : Paid off the loan in full ( early XX/XX/year> ) Called customer service multiple times, including the call on Thursday last week where direct deposit was promised Requested status updates and expedited processing I am requesting that Bank of America immediately : Confirm the exact date the XXXX deposit was initiated Expedite the transfer so the full overpayment amount ( over {$1100.00} ) posts to my account within 1 business day Provide a case/reference number for this issue If this can not be resolved promptly, I ask for a supervisor escalation and written confirmation

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: CA

Complaint narrative:
This is formal notice that you are to cease and desist all communication with me immediately regarding any alleged debt or account tied to my name. I am invoking my rights under the FDCPA, 15 U.S.C. 1692c ( c ). You no longer have permission to contact me in any form no calls, texts, emails, letters, or third-party contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I tried to pay for lunch and card was declined on XX/XX/year>. Available balance is {$750.00}. I called the bank. I was told its under security investigation and I should be able to use the card within XXXX hrs. That didnt happened, I went in person. The person at the XXXX XXXX, XXXX branch also just called customer support and we stayed on the line for an hour. No answers. I called again the next day, I was told another XXXX. XXXX days later I still cant access my own money. Im running out of cash, my scheduled bills are getting declined and my credit score is suffering because of it. I would like my funds now. This is my money held against my will with no explanation. This is disgusting, predatory behavior on XXXX behalf.

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 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding a charged-off account that continues to be reported on my credit file despite multiple disputes and requests for validation over the past several months. I have made repeated requests for documentation to verify the accuracy of this account. However, Synchrony Bank has failed to provide sufficient evidence to support its reporting. The only information that has been referenced is that an item was delivered to my address. This does not constitute proper validation of a debt and does not establish contractual liability. Proof of delivery alone does not demonstrate that I entered into an agreement, authorized the account, or am legally responsible for the alleged balance. To date, Synchrony Bank has not provided : Any agreement or documentation showing that I entered into a contractual relationship A complete account history or billing statements supporting the balance An itemized breakdown explaining how the balance was calculated Despite this lack of documentation, Synchrony Bank continues to report this account as accurate and verified. This raises serious concerns regarding compliance with the Fair Credit Reporting Act, which requires furnishers to conduct a reasonable investigation and report only accurate and verifiable information. Repeatedly verifying this account without providing supporting documentation suggests that no meaningful investigation has been conducted.

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 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
On XX/XX/year> dealer XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX advised vehicle interested in that had made {$400.00} down payment had accidents unaware. Second dealer did not properly review said contract. Dealer did not provide contract. Dealer did not email contract. Dealer illegally and lender illegally financed said contract with illegal bad faith. In addition purchase is not as agreed on verbally. In addition dealer and lender financed warranties in which are not authorized nor provided in sales agreements conversations nor approved. Lender and dealer did not verify income or confirm deliver of vehicle. Lender dealer misreported insurance carrier and said date. Insurer insuring vehicle of value of original purchase price at manufacturer gauging consumers of premiums and misstated value at time of loss when occurs in which CFPB FTC XXXXXXXX XXXX XXXX XXXXXXXX Securities Exchange Attorney General are all liable to consumer demand immediate forgiveness of debt, title to be surrendered to buyer XXXX XXXX immediately in addition XXXX is liable in the transaction if insures said lender as lien holder delivery of vehicle took place on Friday the XXXX XX/XX/year> after attempted to cancel which dealer refused to accept responsibility and lender is liable vehicle is illegally insured for a higher amount than what I agreed to pay for said vehicle which was {$17000.00} minus a down payment of {$4500.00} which was illegally demanded by dealer and lender contracts not explained and under penalty of perjury by this statement and demand immediate forgiveness of debt and pay out of court settlement in the amount of violation of said error in the amount of {>= $1,000,000} without taxes being assessed due to deal under pressure of sale to XXXX XXXX in rights to pursue all angles of suit to every bureau in the United States Supreme Court

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 2026-03-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint Against Citibank Refusal to Release Cleared Funds I am filing a complaint against Citibank for refusing to release my funds after a check has fully cleared, leaving my money inaccessible for an unreasonable amount of time. On or about XX/XX/XXXX, I deposited a settlement check issued in my name related to a lawsuit involving XXXX. The check was processed and has since fully cleared. However, Citibank flagged the deposit as potential fraud, closed my checking account, and transferred the cleared funds into an internal sub-ledger account. It has now been approximately XXXX weeks since my account was closed. Despite the fact that : The check has fully cleared through the banking system The issuing party has provided written verification that the check is legitimate There is no evidence of fraud presented to me Citibank is refusing to release my funds unless the issuer signs a hold harmless or indemnification agreement. The issuer has already confirmed the validity of the check but Im having a hard time getting in contact with them to speak about the hold harmless claim. Citibank has not provided any clear timeline for resolution and continues to hold my funds placing me in financial hardship. I believe this is an unfair and unreasonable practice. While I understand banks may investigate suspicious activity, they should not be allowed to withhold access to legitimately cleared funds indefinitely or impose conditions that are outside of my control. I am requesting that Citibank : Immediately release my cleared funds in full via cashiers check or other accessible method Provide a written explanation for the continued hold despite verification from the issuer Confirm that this matter will not negatively impact my banking history or reporting This situation has caused significant stress and financial inconvenience. I respectfully request prompt intervention to resolve this matter. Sincerely, XXXX XXXX. Email : XXXX and phone number ( XXXX ) 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