vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 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: CARD Corporation
State: TX

Complaint narrative:
I have a account with CARD bank I had my XXXX  XXXX check direct deposit almosvthe moment my cash strived the money was being drained at {$250.00} a pop I called the bank to stop these not approved or started withdraws they regulars to stop the withdraws and told me I had to wait till they settled and listed them infuriating told them to look XXXX  the withdraw of my money was going on think they had taken every cent in my account while talking to the bank even changing the card information they continued to drain the account whennitvsbstoped I had list {$5000.00} now I cant eat or pay bills I am XXXX XXXX XXXX XXXX XXXX  I Need my money to live

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I deposited two money orders into a business checking account and Suncoast has placed a hold on the certified funds. I called and asked them to remove the hold, and I was transferred to risk management where they refused to release the hold on the certified funds. I have multiple accounts at this institution and believe consideration should have been made based upon my credit history with this credit union. I do not believe placing a hold on certified funds is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I received an email from Cash App stating that they were looking into closing my account on XX/XX/year> for activity that violates their terms. I used my Cash App account for receiving my pay, ordering food, getting rides and sending money to friends and family when needed. I requested the decision be appealed and I asked for the reason they made that decision and have not been provided with one. Instead, on XX/XX/year> my account was disabled and closed instead of giving me until XX/XX/year> per their email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
Spectrum debt not owed returned equipment and paid bill on time. the debt is not owed by 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 2026-01-06 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
UNAUTHORIZED WITHDRAL BY RBFCU FROM A TEXAS MULTI-MEMBER LLC BUSINES ACCOUNT. 
Date : XX/XX/year> Amount : {$2400.00} Without a court order or LLC authorization, the credit union withdrew funds from the LLC 's business account to apply toward a personal home equity loan belonging to one LLC member individually.

The LLC is not a borrower, guarantor or obligor on that loan. 
This action violates fundamental credit union principles and Texas law recognizing LLC as separate legal entities. This credit union has provided no written contractual authority allowing setoff of LLC funds for a personal debt.

The withdrawal has caused financial harm to the business and exposes the credit union to claims for conversion, breach of contract, and deceptive trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX, I noticed a XXXX XXXX charge in my Venmo account for XXXX that I did make or authorize. I have a XXXX account that all my purchases are bought through. I logged into my account to check & I had no purchases in my account for XXXX XXXX I immediately called Venmo and reported it as an unauthorized charge and closed my card. The charge still showed pending so they said I could not file a dispute until the transaction was complete. To call back when it shows complete. On XX/XX/XXXX that XXXX $ charge was still pending then they changed it to XXXX and that pended over a week then finally completed after my card was already closed & a new one issued. I called venmo filed a dispute .. told them about how long payment was pendingsent screenshots of my XXXX account, verified I reported it within seconds of the charge coming in as unauthorized. And how they changed the amount! They filed the dispute & in 2 days denied it and their reason was : because their was money in the account before the dispute took place! I always have money in that account and the amount was pending for XXXX weeks. I had to wait to file but their denisl reason does not make sense nor is accurate because there were no purchases from account to XXXX for that price so they did not properly investigate. This was an unauthorized charge!!! Contacted XXXX & there was no charge in either of those amounts in my account or delivered to my home & my orderes are always delivered. I can provide screenshots of my XXXX orders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
Description of the Issue : I am submitting this complaint because USAA Federal Savings Bank mishandled my dispute of unauthorized and incorrect debit card charges due to bank agent error and inaccurate dispute information entry.

I previously sent a Regulation E Notice of Error to USAAs executive communications office regarding this issue, but the bank has not corrected the mistakes or properly investigated. The original dispute was filed with incorrect information entered by a bank agent specifically, I clearly instructed that only {$2.00} of a XXXX XXXX XXXX charge was disputed, but the agent entered the entire utility payment, which is incorrect and materially impacted the outcome. 

Additionally, USAA mishandled disputes of XXXX XXXX transactions where money was sent for a service that was never rendered and there is no documentation showing that any legitimate service was provided. I believe the wording used in reporting this to the bank was incorrect and did not reflect my actual dispute. 

I am filing this complaint because USAA failed to properly process my dispute, reversed provisional credits, and has caused significant financial harm as a result of its mishandling of my account and its obligations under Regulation E. I have provided relevant documentation and am seeking an investigation and resolution through CFPB assistance.

Desired Outcome : I request that the CFPB : Assist in ensuring USAA conducts a full and proper investigation under Regulation E, Correct the recorded dispute information and reason codes to reflect what I originally reported, Restore provisional credits that were reversed improperly, Remove any fees or negative balances resulting from these errors, Provide a written explanation of corrective actions taken. 
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
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have been trying for XXXX weeks to turn off and remove the 'debit card overdraft prote tion ' AND the 'Account overdraft protection ' service on both of my checking accounts with Wells Fargo Bank and they keep telling me 'just one more day ' and as of today I get told that the entire process hasn't even been started like I haven't just been calling in almost every day for the last XXXX weeks I'm furious and I need something done about it. This is a very illegal way for the bank to make money

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 2026-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear CFPB, I am writing to formally complain about Chase Banks handling of a new customer promotional offer that was promised to me when I opened both a checking and a savings account. Due to Chases system and process failures, the promotional bonus was not applied correctly, resulting in a significant financial loss. 

Below are the details of the issue : 1. Coupon Not Applied as Promised On XX/XX/XXXX, I opened both a checking and a savings account online through Chases official promotional offer link. The promotion clearly stated that if the accounts were opened by clicking directly through the offer link, the promotional bonus would be automatically applied. 

To confirm this, I contacted Chase customer service and was told that as long as I opened the accounts through the promotional link, the coupon would apply automatically. However, despite following these instructions exactly, the promotional coupon was not applied to my accounts. 

2. Coupon Expiry and Unresolved Issue In XX/XX/XXXX, after completing all the requirements for the {$900.00} promotional bonus, I noticed that the bonus had not been credited to my account. Upon contacting Chase customer service, I was informed that the coupon had not been applied to either my checking or savings account. 

Customer service further stated that it was too late to apply the coupon and that, since the accounts had already been opened, I was no longer eligible for the promotion. Chase did not provide any remedy despite the fact that I followed all stated requirements. Additionally, Chases website design and enrollment process are not customer-friendly and appear to be prone to technical issues, which likely caused the coupon not to be recorded even though I accessed the account opening through the official promotional link.

3. Financial Impact As a result of Chases failure to apply the promotion correctly, I am missing out on the full {$900.00} bonus that was promised. In reliance on this offer, I maintained approximately {$15000.00} in my Chase savings account. Without the promotional bonus, Chases savings account offers a very low interest rate, making it financially unreasonable to keep my funds there. 

Chase used this promotional offer to attract new customers, yet failed to honor the offer after the customer complied in good faith with all stated conditions.

4. Broader Consumer Impact I am not the only customer who has experienced this issue. Numerous similar complaints have been reported online regarding Chase promotional offers not being applied correctly. It is unfair for consumers who follow all requirements to be penalized due to Chases system or technical failures. 

Thank you for your attention to this matter. I look forward to a fair and prompt resolution. 

Sincerely

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
I received a demand letter for a debt in the amount of {$3800.00}, I am victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX {$1900.00} being reported to my credit as negative

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
It's a cash app dispute and complaint. My landlady name is on my cash app contacts. I was not feeling well so I decided to send her partial rent payment instead of going in person. 
She called me shortly after to tell me she got a text from cash app, but she does not have.cash app. 
I requested the {$300.00} back, no response. 
I called cash app, they denied me. 
I appealed and denied again. 
Someone somehow infiltrated my contacts and kept the money. There has to be a way for cash app to find out who did this. 
I do not make much money and need what I have. This was on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
I had an account with Badcock Home Furnishing. I was paying them each month electronically by ACH. I had paid them and had one final payment left in the amount of {$140.00}. On XX/XX/year> I saw an unauthorized deduction form my account in the amount od {$140.00} from Jefferson Capital Systems. I have no knowledge of this company and I have no knowledge of how they got my bank account information. I had to cancel my debit card to prevent further transactions form happening. I was not notified by Badcock Home Furnishing that they sold my debt and I was not notified by Jefferson Capital System that they had acquired it. I had no communication from either of them and I am upset that my bank information was shared without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I am submitting this complaint regarding the unauthorized deactivation of my card and issuance of a replacement card, despite explicit instructions and assurances that a replacement was not necessary. 

On XX/XX/year>, I contacted the bank via online chat after my card was flagged for suspected suspicious activity. During that conversation, I reviewed the transactions and identified which charges I did not authorize. The representative stated that a replacement card would be issued. I clearly and explicitly stated that I did not consent to receiving a new card because I needed continued access to my existing card. 

I was advised to call customer service, which I did. During that phone call, the customer service representative informed me that I could simply dispute the unauthorized charges and that there was no need to issue a new card. I was also assured that my card was fine and would remain active. After that call, I was able to successfully use the card. 

Despite this, my card was later fully deactivated, and I discovered that a new card had been issued and shipped without my authorization. This action directly contradicted both my explicit refusal and the guidance I relied upon from customer service. 

As a result of this unauthorized action, I experienced a loss of access to my funds and significant inconvenience. In addition, I now must spend additional time updating stored payment information across multiple services, including recurring bill autopayments, XXXX XXXX, and merchants with saved card details. This administrative burden would not have occurred had my instructions been followed. 

I am concerned by the conflicting information provided by different representatives and by the fact that an action I explicitly declined was carried out anyway. I am requesting a formal review, written explanation, and appropriate remediation for the disruption and time burden caused by this unauthorized action.

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 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-06 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I was charged {$440.00} from a company called XXXX XXXX  on XX/XX/year>. Barclay XXXX credit card company contacted me and asked if I made this purchase, I told them no and started fraud case, they issued a new card and took charge off, after XXXX weeks charge was put back on account and they stated I had made the charge, contacted merchant and they confirmed charge was never paid from Barclay XXXX  since they held funds due to fraud, merchant asked if I had made this charge and I told them no, have tried to reopen fraud case with Barclay XXXX twice and have had no resolve to this issue. I have had to pay the {$440.00} and merchant says they never received any funds from Barclay XXXX arrival world mastercard

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 2026-01-06 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: NY

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 non-monetary relief