vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 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: Driveway Finance Corporation
State: CA

Complaint narrative:
My auto loan with Driveway Finance Corporation was fully paid off on XX/XX/year>. The payment history provided by the lender shows the account balance as {$0.00} after the payoff. However, the California XXXX confirmed that Driveway Finance Corporation is still listed as the lien holder on the vehicle because the lien has not been released. Because of this, the XXXX can not issue the vehicle title ( pink slip ). I contacted Driveway Finance multiple times and received inconsistent explanations, including being told the title was not sent due to refund check issues. Despite the loan being fully satisfied, the lien has still not been released to the California XXXX. I am requesting that Driveway Finance Corporation immediately release the lien to the California XXXX and confirm the release so that the vehicle title can be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
In the week of XXXX XXXX alone, Citibank called my mobile phone twenty times. They used two separate telephone numbers, and I have proof that both belong to their company based on the voicemails left. I have been on the Do Not Call registry since XXXX and had opted for electronic communication when setting up my account. These calls stem from my failure to update the payment account after I closed it. Updating the account was overlooked, but only by XXXX week. This was very XXXX for me since I have been plagued with XXXX, XXXX, and XXXX XXXX, and have been receiving XXXX XXXX for my XXXX health since XXXX. I have already written to request that they cease all calls, and they have confirmed they received the request.

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 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
The problem is that I had a check pending on XXXX the XXXX, XXXX. For the money to be taken out? They said it ran over on the weekend?? Impossible, because the money the the cash reward card was pending on the XXXX, and the XXXX was on Thursday?? They said when it finally when through the money wasn't there?? All lies, the money is still in my account? I have over draft protection, so that money should had been transferred from my savings to my checking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I am disputing this account because the reporting information appears to be inaccurate or incomplete. I am requesting a full investigation and verification of the account, including the original contract and payment history. As for collections : I am disputing this collection account because I have not received proper validation of the debt. Please provide documentation showing that I am legally obligated to pay this debt and that your company has the authority to collect it. If the debt can not be validated, I request that it be removed from my credit report. Hard inquiries : I do not recall authorizing this credit inquiry. I am requesting verification that this inquiry was made with my permission and for a permissible purpose under the Fair Credit Reporting Act. If authorization can not be verified, I request that this inquiry be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 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 was denied access to anyone via phone. Told they only email. I was not provided with any explanation except told once the decision to deny it was made then it is set in stone and can not be reopened to be evaluated again. They said the same repeated copy paste email explaining to go back and try to despite out again and you cant. you can only dispute it once the site says when trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: U.S. BANCORP
State: CT

Complaint narrative:
To Whom It May Concern : I am submitting a complaint regarding a promotional balance transfer credit card offer from XXXX XXXX Over a period of time, I received repeated marketing offers advertising a 0 % APR balance transfer promotion for XXXX months ( Attachment XXXX ). Based on these offers, I applied for the credit card on XX/XX/year>, with the intention of transferring approximately {$8000.00} in existing credit card balances. After applying, I received XXXX emails regarding the approval. The first email appeared as if I had been approved for the full balance transfer ( Exhibit A ). The second email stated that I was approved for only a {$500.00} limit ( Exhibit B ). Because of this limit, my requested balance transfer of {$8000.00} was denied due to insufficient funds ( Exhibit C & D ), making it impossible to use the promotion as intended and rendering the promotion unusable. The discrepancy between the XXXX emails and the inability to use the promotion appears to constitute a bait-and-switch, as the promotional materials implied that customers could transfer balances under the advertised terms. If the transfer were to be denied, then why offer the card? I have been a XXXX customer for over XXXX years and maintain a strong credit profile with a credit score of XXXX. I recently paid off another XXXX credit card in full and have a long history of responsible credit use. So, I am confused as to why they feel I am only credit worthy of a {$500.00} starter card. I still have a remaining balance on another card that I intend to transfer under the promotional terms and so I am requesting that XXXX XXXX provide a written explanation of how this credit decision was made, other than the obvious insufficient funds and review whether a reasonable credit line could be extended through a new application process so that the advertised balance transfer promotion can be used as intended and to clarify their marketing practices to ensure customers are not misled. I am attaching copies of all related emails, promotional materials, and correspondence to support my complaint. Sincerely, 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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
hi i called and reported to the bank bmo multiple times frauds transactions on my debit card and it was never reported. i just want my money back from those frauds transactions listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Incident Details : Date of wire transfer : XX/XX/year> Amount : {$1400.00} Date of wire transfer : XX/XX/year> Amount : {$4200.00} Date of wire transfer : XX/XX/year> Amount : {$8500.00} Total amount : {$14000.00} Receiving institution : XXXX XXXX XXXX Bank ( XXXX platform ) Scam website : XXXX Communication with scammers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Description of the Issue : I was the victim of a sophisticated scam. I received a fake job offer via XXXX and then continued communication via XXXX. The scammers instructed me to send a wire transfer from my Bank of America account to a crypto platform associated with XXXX XXXX XXXX XXXX which then converted the funds into cryptocurrency and sent them to the scam website XXXX XXXX XXXX I immediately reported the fraud to Bank of America and a scam victim acknowledgment dates XXXX was sent to me by BOFA XXXX I would call BofA to follow up. I received an email by BOFA on XXXX XXXX that XXXX. The recovery attempt was unsuccessful. XXXX. The case has been closed. I have not yet received any written documentation from the bank regarding the final investigation. I also reported to FBI cyber crime, and FTC immediately on XX/XX/year>. Impact : I feel devastated and violated. I trusted what seemed like a legitimate job opportunity and lost money I had worked hard for. This experience has caused me stress and worry, and I hope my report helps prevent others from falling victim to this scam. Request for Review : I respectfully request that your office review Bank of Americas handling of this fraud case and encourage XXXX XXXX XXXX XXXX to cooperate fully with the investigation. I ask that your office consider : Whether proper procedures were followed for investigating the wire transfer and the receiving bank. Whether my rights as a consumer were fully protected. Any appropriate action to assist victims in similar situations and motivate inter-bank cooperation. I am providing this information in good faith and can provide further documentation if requested. The reality is that I lost totally {$14000.00} and I really appreciate your help. I chatted the crypto ( it is the only way for communication ) I was told that we cooperate if law enforcement involves and send email to us at 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 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
Claim ID : XXXX - XXXX Reference Number : XXXX In XXXX XXXX, unauthorized charges were made using my existing credit card and routed through Affirm. XXXX charge for {$470.00} to Affirm.com posted on XX/XX/year> ; I disputed it with my card issuer and it was fully refunded. A second, much larger unauthorized charge for approximately {$7900.00} posted as AFFIRM.COM PAYMENTS ( XXXX XXXX, CA ). I discovered the fraudulent activity in XX/XX/year> when it appeared on my statement and I reported/disputed it promptly with my card issuer. I have never used Affirm, never opened an Affirm account/plan, and never authorized any XXXX. I also never purchased from or visited the merchant referenced in the dispute materials. I received no goods or benefit. In early XX/XX/year>, I received the merchant/representment package associated with the dispute. The materials contain multiple identity mismatches ( non-matching contact information and a shipping address not associated with me ) and an internally inconsistent billing address ( city/state that does not correspond to the ZIP ), yet Affirm asserts that verification steps ( including identity and SSN-related checks ) were completed and is contesting the unauthorized transaction. I am requesting that Affirm treat this as identity theft, immediately close/restrict any fraudulent Affirm account/plan associated with my identity, confirm I have no liability, ensure no adverse credit reporting ( or remove/suppress any reporting if present ), preserve all records, and provide the underlying verification/authorization evidence ( not just a summary ) so the dispute can be resolved based on objective logs and artifacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
been using money gram for several months most sent was {$100.00}. at xmas time, on XX/XX/XXXX attempted at send {$50.00}. to to family bank account same acct been sending it too. My account cancelled, called XXXX, said I would have to wait 3 days for the acct to be released. I had a money gram rep on the phone and was able to sign in XX/XX/XXXX, still cancelled my acct again. she had to do her standard paperwork. On XX/XX/XXXX I received an email stating my Money gram acct is fixed and this will be the last time they will be talking to me. i signed on attempted to send the same XXXX to the same family account and nope XXXX CLOSED authorization # XXXX. I was finally sent to someone who looked at the account and told me they were unable to verify ID, they have nothing to verify who I am, no ss, no dl, but flagged my names on the internet as FRAUD. I asked him spell his name with a great accent he spelled XXXX, XXXX would not tell me what programs they use to determine me as a FRAUD. I have never had a traffic ticket in my life. I worked for XXXX XXXX. I turn in people I see on the internet. and to put my name on the internet as FRAUD is unacceptable. XXXX XXXX, Obama and some of their connections did this to XXXX XXXX XXXX XXXX 's XXXX the treasury with XXXX info, is this whats happening now or again, it was called XXXX XXXX point XXXX if you get out of AI you will find the proper data on this. I requested my account be purged, I know the girl didn't do it. Why did they pick XXXX me, what program signaled me out? and they won't tell me. I want to know what flagged my account. They need to be fined for doing this kind of stuff to people. that are honest and just trying to get money to family members. I think its turned political. and I need to be acknowledged for my time and trouble. I hope someone does a class action suit on money gram for doing this to people. I am locked out of my money gram acct and don't know my acct #

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
OnXX/XX/XXXXunauthorized financial transactions were initiated from my Wells Fargo accounts after XXXX individuals accessed my phone without my consent while I was asleep in my hotel room in XXXX XXXX, Nevada. Earlier that evening I met the individuals at a bar. They later accompanied me back to my hotel room, where I fell asleep. While I was asleep, they accessed my unlocked phone and used my Wells Fargo mobile banking application to initiate multiple transactions. The unauthorized transactions include XXXX wire transfers totaling approximately {$23000.00} from my Wells Fargo savings account. In addition, a debit transaction of {$7900.00} was initiated through XXXX XXXX and debited from my Wells Fargo checking account. I discovered the unauthorized transactions shortly afterward and immediately contacted Wells Fargo to report fraud and request that the transfers be stopped. Wells Fargo attempted to recall the wires but later informed me that the receiving account had no funds remaining. My claim for the wire transfers was subsequently denied on the basis that the transactions followed the banks security procedures. These transactions were not authorized by me. The transfers occurred while I was asleep and after unauthorized individuals accessed my phone and banking application without my knowledge or permission. A police report was filed with the XXXX XXXX XXXX Police Department, and the case has been assigned to a detective who is actively investigating the theft. I have provided law enforcement with screenshots and bank statements documenting the unauthorized transfers. I am requesting that Wells Fargo reopen the investigation and reconsider its denial of reimbursement. The transactions were the result of unauthorized access to my device and banking application, and I reported the fraud immediately upon discovering 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 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year>, Synchrony Bank simultaneously closed several of my credit accounts, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All accounts were in good standing with no missed payments, no delinquencies, and no adverse payment history. At the time of closure my credit profile reflected a FICO score in the XXXX range, low utilization, and more than XXXX years of established credit history. After receiving the closure notices, I submitted a written request to Synchrony Bank asking for a review of the decision and consideration of reinstatement or another accommodation that would preserve my established credit history. A copy of this request and the original fax transmission confirmation are included in the attached documentation ( see Pages XXXX ). Synchrony Bank responded with form letters stating that the accounts were closed due to activity demonstrated on XXXX or more accounts you have with Synchrony Bank and not necessarily due to your payment history. Copies of those responses are included in the attached packet ( see Pages XXXX ). Because Synchrony Bank has acknowledged that these closures were not related to my payment performance, I am requesting that the bank conduct a meaningful executive review of this decision and provide a clear explanation of the activity referenced in their letters.

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 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: UT

Complaint narrative:
I was officially removed from the lease in XX/XX/year>, as evidenced by the written lease modification signed by both myself and the property manager at that time. The account was not placed into collections until XX/XX/year> approximately XXXX months after my removal from the lease. As I was no longer a party to the lease agreement at the time the alleged charges incurred or when the account was sent to collections, I have no contractual or legal responsibility for this debt.When I contacted the XXXX XXXX she responded with the following : Thank you for reaching out regarding your request to be removed from the outstanding balance that has been sent to collections. After reviewing the file, we found that a XXXX XXXX XXXX had been prepared during your tenancy. However, the document was only signed by you and the previous property manager. In order for the agreement to be valid and take effect, all leaseholders involved in the lease-including the remaining roommate- must sign the agreement. Unfortunately, the other roommate 's signature was never obtained prior to your move out, so the agreement was never fully executed and therefore could not be processed. Additionally, the bond for the apartment was held under your name. When the apartment account was finalized, the bond was applied toward the outstanding balance that remained on the account. Because both lease holders were still legally responsible for the lease a that time, the remaining balance was applied to both parties and subsequently forwarded to the collection agency that you paid the bond too. ( Assurant ) Due to the incomplete XXXX XXXX XXXX and lease responsibilities that remained in effect at the time of the move-out, we are unable to remove your name from the account or the collection record. I left ( I ran ) due to a domestic situation so basically what she is saying is I shouldnt have left my domestic situation and I should have notified my abuser I was leaving!!! No, that was not a option I had to leave immediately for my own safety and I did so, and I had notified the apartment manager what was transpiring and I went to her for help and she explained to me how to proceed. She provided me the paperwork to sign to hold me unaccountable for the money owing and holding me responsible, I signed the documents which I have in my possession and she signed as the manager. It wasnt until I reached out to the collection agency and found out the apartment manager had filed a claim against me on my credit. When I reached out to her she said well the old apartment manager didnt do it right! So why am I being held responsible for her not properly doing her job she was the manager and being so I assume she knew her job.

Company response to consumer: Closed with non-monetary relief