vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
There was a misunderstanding over XXXX  feature. I over reacted and cussed out a chime supervisor. My actions were disgusting and I am very sorry. I am asking for Chime to please reconsider reopening my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: AL

Complaint narrative:
My phone was at a night club XXXX XXXX and someone accessed my phone and stole my money out my chime account and chime keep denying my claim. My hard earned money is missing I even filled and police report and file a dispute with chime and they deny my claim immediately I need my money back ASAP or i will be taking further actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I walked into the bank on XX/XX/year> at the td bank in XXXX XXXX XXXX XXXX XXXX with cash in my hand and was denied opening a bank account because I needed proof of address which is wrong Ive opened a bank account with td with just my cash license and no proof of address be for my rights were violated I have video footage as well I was also told to give me social security card and I did and still was denied opening a bank account then when I left I was told if I file a complaint the bank tellers will give out my social security number to the public

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I had a credit card with two employees attached to my card. The card was under my SSN. I was terminated as an employee on XX/XX/year>. Just prior to that they asked me to cut up my credit card and told me it would be canceled. On XX/XX/XXXX I was nearing the completion of the sale of my shares of the company. I went to the bank to make sure I was off the bank account. They told me the bank account had been closed for months but my credit card was still open. They wouldn't give me any other information and told me to call credit services. I had to talk to three different people just to find someone who appreciated this was an issue. She found that one of the partners had likely gone to a branch of the bank to get them to change my phone number, email address, and home address to his. This is why i never received notifications, statements, etc. The cards attached to my credit card has been used extensively. She told me it had been reported to fraud and to wait to see if they paid the balance over the weekend. They did not pay the balance, and I called back on Monday. I spent an hour on the phone, mostly on hold, and found there was no fraud case open, i asked him to help and he or me on hold for another 30 minutes before hanging up. I called back and spent another hour mostly on hold until the next person told me to go to a bank. I went to the bank and finally spoke with someone who took the time to understand and was very helpful. It took her 3 hours on the phone though to finally cancel the cards avs dispute the charges. She had to explain so many times to the fraud team why gaining access to my account and changing the information is fraud. I don't understand how they can be confused by this. As part of the negotiation with my company there is much more at stake than the {$2300.00} card balance. I need to know how the company got past my two factor authentication to take control of my card. I've repeatedly requested this information and the bank won't even acknowledge it asked it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Services/NewRez submitted payment in the amount of {$4500.00} to XXXX County Tax Collector in XXXX from my escrow account. The payment was failed and was returned to sender by XXXX County Tax Collector on XX/XX/XXXX, due to the property taxes already being paid by XXXX XXXX XXXX XXXX XXXX XXXX during the sale of the property. The XXXX County Tax Collector office provided proof and documentation that the payment had been rejected and returned to Shellpoint Mortgage Services. 

I have called Shellpoint Mortgage Services/NewRez repeatedly to solve the problem and have been told there is no issue on their end, and that no money or refund is owed to me. When I first called on XX/XX/XXXX, I was told any returned payment would be refunded to me. 

When I called again on XX/XX/XXXX, I was told there was no record of any issues with the payment and would not be receiving a refund as the account was already closed. 

When I called again on XX/XX/XXXX, I was told to provide proof from XXXX XXXX that payment had failed for internal review and nothing else could be done for me. 

On XX/XX/XXXX I submitted another claim with proof from XXXX XXXX XXXX Collector 's office that payment had never been accepted and returned to sending and was told by Shellpoint Mortgage Services that they would begin seeking a refund from XXXX XXXX, but that it would take 90 days and there was no guarantee I would receive my money back. When I called their offices again, I was told there was nothing that could be documented or looked in to and I must wait 90 days for the internal review, and if anything did come up it would be refunded to my escrow account, which is closed.

Throughout this process I have been juggled through call centers and told the specific department I need does not have a phone line. The only written responses I have received have been through automated emails that do not allow a reply. According to my documentation and XXXX XXXX XXXX XXXX, my {$4500.00} has been returned to Shellpoint Mortgage Services but has not been refunded to me at all, and Shellpoint has accounting of it.

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 2025-12-30 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: KS

Complaint narrative:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of 15 U.S.C. 1681i, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law. 

Accordingly, I am demanding the immediate deletion of this account unless and until legally sufficient, verifiable documentation is produced to substantiate its validity. Any delay in resolving this dispute only compounds the harm caused by continued reporting of inaccurate or unverified information and further evidences a failure to meet statutory obligations.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I made a purchase from a company name XXXX through XXXX XXXX for dress pants using my Cash App debit card. The company stated on its website that the product would be shipped from California however, their physical address is in XXXX XXXX and the company 's name is XXXX XXXX XXXX XXXX XXXX XXXX. The charge was listed from a company name XXXX. I never received the purchased products. On XX/XX/year>, I sent the company a message through a complaint link listed on my purchase confirmation email stating that I would like a refund because I never received the products. The company never responded so I filed a dispute through Cash App on XX/XX/year>. Cash App found that my claim should be denied on XX/XX/year>, stating the package was delivered. I received an email about my initial purchase but never received a tracking number or delivery confirmation email. Also, I was deceived about the purchase price. The pants were being offered at {$25.00} with a 10 % discount which would have made my charge {$30.00} ( stated on my confirmation email from the company ) in total but was never applied and I was charged an international fee of {$.00}. My purchase price charged was {$32.00}. The website doesn't show how much is being charged once you submit your request to purchase and when I tried to stop the purchase the site wouldn't allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ASSOCIATED BANC-CORP
State: NJ

Complaint narrative:
I have an auto loan with Associated Bank for the purchase of a new vehicle. 

I am unable to locate my promissory note in my customer portal, nor am I aware what my current interest rate on the loan is. When I click on their statements feature, it says I have no statements available. I have been paying this loan for some time ( ~2 years ) and I am looking to refinance, however I have zero visibility as to what my current interest rate is to be able to compare to current market offers. 

They need to be more transparent and allow me access to my documents!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MT

Complaint narrative:
I recently ( Beginning of the year ) attempted to have an incorrect debt to be removed from my credit. I initially misread my credit report and disputed a gym debt with this company when in fact it is a medical debt. 

The debt in question, a medical debt, has been incorrectly sent to me for payment. I am a XXXX XXXX XXXX XXXX XXXX  Veteran and went to the emergency room for illness. The medical facilities in question were supposed to utilize my XXXX XXXX to pay for this, but instead billed me directly. I even explained my healthcare situation and the medical providers ensured me they would get it taken care of and run it through my XXXX XXXX XXXX XXXX XXXX XXXX ). Upon contacting Wakefield, I explained that this debt is icorrect given this fact and the gentleman I spoke to was not willing to work anything out with me other than to get their money. Being a XXXX  XXXX veteran on a VERY fixed income and the medical facilities inability to utilize my XXXX  XXXX correctly, I respectfully request that this medical debt be removed, as it is not my responsibility to ensure that a medical facility does what they are meant to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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: VA

Complaint narrative:
Company : Cash App / Block , Inc . 
Issue : Trouble accessing funds / account closed Amount : {$2200.00} Cash App closed my account and is preventing access to my remaining balance of {$2200.00}. Support refuses to provide a withdrawal method or instructions for receiving my funds. I am not disputing the account closureonly requesting release of my remaining balance, which Cash App is obligated to return. Please help me gain access to my funds. Thank you for your help with this matter XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I XXXX XXXX XXXX : XXXX Consumer First Priority Perfected Financial Statement Security Interest Holder # XXXX In Maryland Tax Assessment System Derivative Form Right-To-Use Lease Request : Return Certified Copies Of : XXXX Authorizing Resolution : XXXX Letter Of Agreement : XXXX Official Authorization List Agreement : With Borrowers Wet Signature : Pledging : Forfeiture Rights : Granting : XXXX XXXX Third-Party Custodian : 2 ) Return Maryland Certified UCC 1 search Showing XXXX XXXX XXXX XXXX As Perfected Security Interest Holder Of my Granted Right : Financial Product Assets : Account XXXX XXXX Collateral Description : Inventory XXXX XXXX XXXX XXXX XXXX XXXXXXXX Certificate Of Title # XXXX : CONTROL NOXXXX Account # XXXX Collateral Description : Inventory XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Certificate Of Title XXXX : CONTROL NO. XXXX The Credit Bureau informed me my Financial Product Assets were removed from Consumer Reporting Agency My Granted Right Financial Asset are still being reported as debt owed to XXXX XXXX XXXX XXXX I'm seeking the Removal of my Financial Assets From Reporting as Debt Owed to XXXX XXXX XXXX XXXX Redemption : of all ill- gotten out of pocket profits Payed by : XXXX XXXX XXXX XXXX And Return Cleared Title off Financial Assets From XXXX XXXX XXXX XXXX Back to : XXXX XXXX XXXX XXXX XXXX Consumer First Priority Perfected Financial Statement Security Interest Holder # XXXX In Maryland Tax Assessment System I Don't consent to Owe Any Debt To XXXX XXXX XXXX XXXX Have informed XXXX XXXX XXXX XXXX To Credit Financial Asset Accounts In Derivative Form Right-To-Use Lease I have been Under involuntary servitude of Knowingly Threat and Coercion to pay out-of-pocket or XXXX XXXX XXXX XXXX will repossesse my Personal family house-hold purposes Goods This is my 4th Good Faith Intention Effort To be Support by The Consumer Financial Protection Bureau To stop XXXX XXXX XXXX XXXX From Knowingly in bad faith and : Breach of Fiduciary Duties To Dispose of and Disburse Gross and Net-Equity and Financial Assets from : State Of Maryland XXXX XXXX XXXX XXXX Me and my Family are in Consumer Emergency Threat To be harmed and Injured not to be : private self- sustainable subsistence Private Man and Woman Family Unit Maryland Contiguous territory U.S.A : non-Bonified United States Resident : Foreign : Ultimate consumer : Outside the United States Jurisdiction Exempt XXXX Person Pertetected Information from Reporting Awaiting Help : Protection of Exempt Information from Reporting Derivative Form Credit Account Right-To-use Lease XX/XX/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 non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
This submission includes additional documentation related to CFPB complaint number XXXX. 
I raised concerns about my loan and was told in writing that the matter had been transferred to management and that management would contact me on XX/XX/XXXX. After receiving no contact, I sent a follow-up email on Friday XX/XX/XXXX requesting an update and documentation. I still received no outreach from management. On the following Monday, XX/XX/XXXX the lender responded through the CFPB portal requesting a 60-day extension. To date, management has not contacted me, and no documentation or explanation has been provided. At the time, I believed my FHA loan was still active and locked and that my loan closing and purchase contract had been extended from the original XX/XX/XXXX closing date. I have since learned that the FHA loan was withdrawn on XX/XX/XXXX without my knowledge. 5 days later As a result, during the extension periodapproximately ten daysI remained under a purchase contract with no active loan product or loan under consideration.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
Company : Cash App / Block , Inc . 
Issue : Account closure / frozen funds/ unfair treatment Complaint Description : On XX/XX/year>, Cash App closed my account and deactivated my Cash App Card, alleging a Terms of Service violation that I did not commit. No clear explanation, evidence, or opportunity to respond was provided prior to or after the closure.

As a result, I lost access to my funds and experienced financial hardship for an action I did not commit. Despite contacting Cash App support, I have not received a meaningful explanation or documentation supporting their decision.

Cash Apps actions appear arbitrary, lack transparency, and may violate consumer protection standards related to fair treatment, access to funds, and due process. I am requesting intervention to require Cash App to provide a clear written explanation, any evidence used to justify the account closure, and the prompt release of any remaining funds owed to me.

Resolution Requested : Written explanation of the alleged violation
Documentation or evidence supporting the account closure Release of all remaining funds Correction of any inaccurate records related to my account I am submitting this complaint in good faith and request prompt review and resolution.

Consumer Name : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I authorized a one-time payment with OneMain Financial for XX/XX/year>, in error. The correct date should have been XX/XX/year>. I was not able to correct this online. OneMain financial run my card 3x, twice on XX/XX/year> and again on XX/XX/year>. The payments were returned due to insufficient funds on my behalf. The payment attempt retrieval occurred more than what was authorized. I only agreed to a single electric debit transaction, not multiple and beyond the agreed upon date. 

This is goes against their one-time payment agreement clause which states : I, XXXX XXXX XXXX XXXX authorize XXXX  on behalf of OneMain to initiate a single electronic debit transaction from my debit card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Today, XX/XX/year>, XXXX XXXX from XXXX management contacted my mother and and when she shared with him he has not spoken to her he proceeded to tell her he has spoken to her about this account the past 4 months and shared that I owe a debt to pentagon credit union! He disclosed my personal information and has MEVER had an issue contacting me. He calls me on my phone anytime we need to speak so why he contacted my mothers number is beyond me. The manager removed my moms number from the account when I told her what he did and I informed her that I would be filing a 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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I referred a family and he was app XXXX and received his bonus, I have not received mine. We reported the issue, a capital one employee calles me and leer me a msg but they did not fix the issue. Please process the bonus {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: CT

Complaint narrative:
The most recent complaint I have is this past month my husband mistakenly forgot to pay my loans in XXXX due to the holidays and yesterday, my mother sent me a letter that was sent to their house, asking for my newest contact information saying that I had unresolved issues that I needed to contact them about to please contact them as soon as possible and that they were listed as a reference on my loan. I did not receive one phone call from Mohela or letter by mail first. And I was one month late in paying my loan. Last year I called and complained because they were harassing and calling me every day and I was only two weeks late because I was waiting for my paycheck to come in to make the payment. I am not ever delinquent in my payment of my loans but XXXX and now Mohela who took over my loans are harassing me and now my parents over one missed payment. They sent a letter to my parents before they sent a letter to me. That is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIOis falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIOis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
Company called several times in XXXX and XXXX demanding payment for XXXX in the amount of {$5000.00} for cellular service. I explained i was a victim of ID theft

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