vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
On XXXX I refinanced my XXXX XXXX XXXX. Bridgecrest was the original lien holder. They received PAYOFF of this loan on XX/XX/XXXX. Per their records the account was paid in full and closed on XXXX. Today XX/XX/XXXX, they ( Bridgecrest ) went ahead and auto drafted, without my or my husbands knowledge or consent, {$1000.00} from my account. I consider felony theft and predatory lending on their behalf. Upon speaking with them, they said all they can do is wait for the account to close so they can issue payment on any overages. Unacceptable. Completely disgraceful and sleazy slimey back ally business they are running. Despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
I opened a checking account with TD Bank in XXXX XXXX, Florida, in XXXX when I lived in the US. I'm XXXX XXXXXXXX resident. I opened it as a tourist. I was never a US resident. The account has been inactive/dormant since XX/XX/XXXX, with a balance of approximately {$100.00} ( the minimum to avoid monthly fees ). The account is now charging $ XXXX maintenance fees due to inactivity, and the minimum balance requirement is increasing to {$250.00} in XX/XX/XXXX, which will deplete the balance quickly. I do not have access to online banking or phone verification because I no longer have a US phone number ( I moved abroad ). I have the debit card with my PIN, and attempts to use it or close the account remotely have been denied or complicated. TD Bank refuses to close the account by phone or mail without additional verification ( e.g., requiring in-person visit or expensive notarization at the US Embassy , costing {$50.00} ). They asked me verification questions. I was able to answer the personal ones, but there was one I couldn't answer ( about the credit they offered me when I opened my account. I never use credit, so I didn't pay any attention to that explanation in XXXX and I don't even know where the contract document is ).

They insist the account must be at {$0.00} for easy closure, but I can not access or transfer the funds without reactivating it, creating a loop. This is unfair and prevents me from closing the account and recovering my remaining balance. I want TD Bank to close the account remotely ( via phone or mail ), waive any pending fees, and send me a check for the remaining balance to my current international address or to a friend in US if it's more easy for the system and cheaper. I have tried multiple times to contact TD Bank customer service, but they keep doing the same thing and we're not getting anywhere. This situation is causing ongoing fees to eat my small balance. 
I have everything except my phone. It's unfair that I can only verify in person. I'm in XXXX ; I can't go there. 
I'm sending you the emails from when I opened my account and when I reactivated it in NY. I've also included screenshots of the calls I made to customer service and branches trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: AL

Complaint narrative:
I am filing a complaint regarding overdraft fee practices on my Chime checking account. 

I recently received my first paycheck of {$120.00} on XXXX XXXX at XXXX, and Chime immediately took approximately {$100.00} from my direct deposit due to overdraft fees on XXXX XXXX @ XXXX, leaving me with no access to my earned wages. I was not clearly informed that my entire paycheck could be taken in this manner, and this caused significant financial hardship. 

I contacted Chime customer support multiple times to request a reversal or partial refund. Representatives acknowledged the situation but stated they were unable to assist due to a policy change implemented in XXXX. I was told the system would not allow a reversal, even though this was my first paycheck and the fees completely depleted my funds. 

As a result, I was left without money for basic necessities. I immediately changed my direct deposit to another bank to prevent this from happening again. I am requesting that Chime review this situation and provide a refund or partial refund of the overdraft fees, as the action was excessive and created undue hardship. 

I believe this practice is unfair, especially given the lack of adequate warning and the impact on a consumers earned wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I recently refinanced my mortgage. I found Rocket Mortgage and their sales people were repeatedly telling me that if I go with them, once rates go down, I would get a FREE refinance through some program that I would automatically be enrolled in. So, I went with them. Now, since the rates have gone down, I reached out to them. To my surprise they said that it is not free, and only some charges will be removed, but I would have to pay for most of the refinance. They sent me a refinance offer that added over XXXX to my loan in closing fees. I kept trying to talk to them, but they said they had mailed me the fine print. Even though they admitted that they did say it was a FREE refinance, they still wanted me to pay all of the other fees. I even have a recorded voice mail, that I forwarded to their customer service, where the voice mail literally says " FREE Refinance '', and still they said that is not what is meant. This company obviousely is doing a bait and awitch and unethical and illegal business practice. I am in the process of contacting a lawyer to potentially sue them, and maybe do a class action suit as I am sure I am not the only one facing this issue with this company.

I seek remedy and resolution of obtaining what was promised and is on mmy voice mail - A FREE REFINANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bayside Credit
State: CA

Complaint narrative:
I am reporting a serious data privacy and security failure by Bayside Credit. 
On multiple occasions, when I logged into my own account and clicked Make a Payment, I was redirected into other customers accounts. I was able to view their names, account numbers, monthly payment amounts, and payment histories.

This occurred more than once and involved different individuals accounts, suggesting a systemic failure in Bayside Credits authentication or payment system.

This constitutes unauthorized disclosure of non-public personal financial information and creates a serious risk of identity theft and consumer harm.

I am requesting that this issue be formally investigated, that Bayside Credit be required to remediate the security failure, and that affected consumers be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: Solar Mosaic LLC
State: CA

Complaint narrative:
- Signed up for a {$99000.00} loan with Solar Mosaic ( Now known as XXXX XXXX XXXX ) - XX/XX/XXXX. Loan closing certificate attached. 

- Solar Mosaic disperses an initial amount of {$28000.00} to XXXX XXXX ( solar equipment provider ) - not sure on exact date this was sent to them- Solar Mosaic declares bankruptcy. XXXX XXXX XXXX XXXX owner urges me to close the loan with them and cancel the project. 

- Solar Project was cancelled by installer ( XXXX XXXX XXXX XXXX ) and the money was returned by the XXXX XXXX XXXX XXXX in the full amount of {$28000.00} to Solar Mosaic. Money was wired directly from XXXX XXXX XXXX systems to Solar Mosaic bank account. Wire receipt attached. 

- I reached out to Solar MosaicXXXX XXXX XXXX to close the loan. However Solar Mosaic at this time declares bankruptcy and there is no response for months. Meanwhile I am still making my monthly payments on this loan so as to avoid any credit score negative remarks on my side. 

- On XX/XX/XXXX, Solar Mosaic confirms having recieved the cancellation request from XXXX XXXX XXXX XXXX and also confirm having recieved the money of {$28000.00}. They say they can not close out the loan yet as they are undergoing bankruptcy proceedings in court and can not close accounts. I continue to make payments. An open case # XXXX on Solar Mosaic system documents having recieved all these items As of today, XX/XX/XXXX the loan has still not been closed and I am continiuing to make monthly payments for a loan that Solar MosaicXXXX XXXX XXXX has already been paid back for. Monthly payment is {$700.00} and it is still based on assuming an initial loan amount of {$99000.00} and not on the actual dispersed amount of {$28000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing a complaint against Citibank North America ( CBNA ) regarding inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

CBNA is reporting a charged-off credit card account with a charge-off date of XX/XX/XXXX. However, the tradeline contains multiple material inaccuracies : XXXX. The account continues to report monthly charge-off ( CO ) statuses from XX/XX/XXXX through XX/XX/XXXX. Once an account has been charged off, it can not continue to accrue new delinquencies. This falsely extends and exaggerates the severity of the delinquency. 

XXXX. The tradeline reflects a balance updated date of XX/XX/XXXX, despite the account being closed and charged off with no subsequent activity. This falsely suggests ongoing account activity. 

XXXX. CBNA is reporting both a charged-off balance and a past-due amount equal to the full balance. After charge-off, reporting a past-due amount is inaccurate and misleading. 

XXXX. The payment history shows delinquency and charge-off statuses after the charge-off date, which is not permissible and results in stacked negative reporting. 

I previously disputed this account with the credit bureaus. CBNA verified the account without correcting these inaccuracies, indicating that the verification process was not reasonable as required by the FCRA. 

Because CBNA can not accurately substantiate these reported data points, I am requesting that Citibank North America either : Provide full documentation supporting the accuracy of all reported information, or Remove this tradeline from XXXX XXXX XXXX XXXX immediately. 

Attached is documentation showing the inaccurate reporting.

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 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had a issue with cash app/XXXX  and a unauthorized transaction in the amount {$100.00}. On XX/XX/year>. The payment was initiated on cash app and the payment was pulled from my XXXX debit card. I tried to request a refund from the person it was sent to on cash app, received a error telling me it was unavailable so I filed a formal complaint/request for refund on cashapp app. I also filed a complaint with the resolution center on the XXXX website since the funds came out of my debit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: NY

Complaint narrative:
I am filing this complaint against Loancare for reporting unverifiable and potentially inaccurate late-payment history on my consumer credit file for Account XXXX. XXXX covering the periods of XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, and XX/XX/XXXX through XX/XX/XXXX. Despite my written request dated XX/XX/XXXX, Loancare has failed to provide proper verification demonstrating that the reported delinquencies accurately reflect its internal payment records or explaining how the alleged late status was calculated in relation to the account balance and status at the time. This failure violates the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation and report only information that is complete and accurate.

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 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Found an apartment listing on XXXX  and I sent an inquiry and I went through the process of applying through email and I have the ENTIRE email chain. They were Impersonating a lawyer and falsifying legal documents. 

I sent XXXX transfer for security deposit and that was the last of the contact with them. Everything is in email. I contacted Navy Federal and they could not help me even though Navy Fed said that if the scammer did not acknowledge that they received the funds, then they would reimburse me. The scammer did not acknowledge anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
b"I have a court case coming up and I need the info for the following XXXX  transactions:\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX\n\nWhen I log into my XXXX account, the furthest I can go back to is XXXX XXXX.\n\nI request they preferably send me the Transaction Details for these XXXX  transactions listed for money I received from XXXX XXXX.\n\nIf they can't do that then I'll need at least the monthly statements for these XXXX  months."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint concerning JPMCB CARD SERVICEs reporting of late-payment information on my credit file for the account XXXX. Late payments are being reported for the months of XX/XX/year> through XX/XX/year>, and I requested confirmation that this reporting aligns with JPMCBs internal payment records. I also requested an explanation of how the alleged delinquency was calculated relative to the accounts balance and status during the same time period. Despite this request, the late-payment information continues to be reported without sufficient clarification or substantiation. Reporting unverified delinquency data fails to meet the accuracy standards required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by XXXX  XXXX. 

I was sold a defective vehicle that failed shortly after purchase. A dispute occurred, and my down payment was refunded. Despite this, XXXX  continues to report negative information related to this account. 

I disputed the account and requested verification. Neither XXXX  nor XXXX  provided documentation validating the reported balance, payment history, or status. 

The continued reporting of this account is inaccurate, misleading, and unverifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Against Truist Bank for Unlawful Holding of Deposited Funds and Account Closure Dear CFPB : I am writing to file a formal complaint against Truist Bank regarding their handling of a check deposit, subsequent freezing of funds, and closure of my checking account without explanation or resolution. This has resulted in the indefinite withholding of {$11000.00}, causing significant financial hardship. I request that the CFPB investigate this matter, enforce applicable federal regulations, and facilitate the release of my funds. 

In XX/XX/XXXX, I received a check in the amount of {$11000.00} from XXXX XXXX as settlement for a home insurance claim. The check was issued through XXXX XXXX XXXX. To deposit this check, I opened a new checking account with Truist Bank. I deposited the check into this account shortly thereafter. 

After approximately XXXX business days, Truist confirmed that the check had cleared and been cashed from XXXX XXXX. However, immediately following this, Truist placed a freeze on the funds, rendering them inaccessible. They then proceeded to close my checking account entirely. Since that time, Truist has held the full {$11000.00} without releasing it to me. 

I, along with representatives from XXXX XXXX and XXXX XXXX, have made repeated attempts to resolve this issue with Truist. We have contacted Truist customer service, visited branches, and escalated to supervisors, inquiring about the reason for the hold and account closure. Despite these efforts, Truist has refused to provide any explanation, such as suspicion of fraud, regulatory requirements, or other justifications. They have also failed to offer a timeline for resolution or any steps to release the funds. This lack of transparency and cooperation appears to violate federal banking regulations, including those unde

r the E

xpedited Funds Availability Act ( Regulation CC ), which governs the timely availability of deposited funds, as well as general consumer protection standards requiring clear communication and fair treatment.

As a result of Truists actions, I have been deprived of access to these funds for several months, impacting my ability to cover essential expenses related to the original insurance claim and other financial obligations. I believe this constitutes an unfair, deceptive, or abusive act or practice under the Consumer Financial Protection Act.

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate payment reporting by THD/CBNA on the account in XXXX. My credit report reflects negative or late-payment information despite there being no payment activity reported for the disputed period. I have requested verification confirming whether the reported payment status aligns with THD/CBNAs internal records and an explanation of how any alleged delinquency was calculated based on the accounts balance and status. THD/CBNA has not provided adequate verification to support the reporting. Reporting delinquency without corresponding payment data is inaccurate, misleading, and constitutes a failure to maintain maximum possible accuracy as required by the Fair 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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i was the victim of a wells fargo impersonation scam. As a result my debit card was fraudulently provisioned to XXXX XXXX on an unauthorized device, leading to multiple apple pya charges in the total of {$9800.00} Wells fargo has denied my claim stating the transactions came from my phone without addressing fraudulent XXXX XXXX provisioning, impersonation, or intent. These transactions were unauthorized under regulation E. i have put a credit freeze on my account, filed a police report and contacted XXXX  for any necessary proof to support my case. i am truly disappointed that wells fargo did not flag any of these transactions that happened in one day up to 20 times.

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