vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased airline tickets totaling {$2600.00} through a third-party travel agency. The payment was split between two financial institutions : XXXX XXXX XXXX XXXX ( approximately {$1300.00} ) and Regions Bank ( approximately {$1300.00} ). I was unable to take the flight due to a medical emergency. I experienced an XXXX XXXX on or around the date of travel, which made it impossible for me to fly. This situation was beyond my control. I have provided medical documentation to support this, including records that align with the date of the scheduled flight. XXXX XXXX XXXX XXXX reviewed my claim and approved a refund for their portion of the transaction based on this documentation. However, Regions Bank has denied my dispute, despite reviewing the same situation. My initial dispute was denied because documentation had not yet been submitted. After I provided the required medical documentation, the case was reopened and re-investigated. Despite this, Regions Bank denied the claim again, citing the merchants refusal to issue a refund. I believe this outcome is unfair because I was unable to use the service due to a legitimate medical emergency, and another financial institution involved in the same transaction has already validated my claim and issued a refund.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Subject : Billing Error PayPal Credit XXXX Synchrony Bank ) Returned Item Still Charged I am filing a complaint regarding an unresolved billing error on my PayPal Credit account issued by Synchrony Bank. On XX/XX/year>, a purchase was made using PayPal Credit. The item was returned around XX/XX/year>. The refund was processed and officially applied on XX/XX/year>. I have documentation confirming that the refund was returned to the PayPal Credit account, not my regular XXXX balance. Despite this, the charge was not properly removed. I contacted customer service in XX/XX/year>, and the charge was temporarily addressed. However, in XX/XX/year>, the charge was reinstated on my account. When I contacted customer service again, I was given conflicting information. XXXX representative initially stated the refund went to my regular XXXX account, but after contacting the bank, confirmed that the refund was in fact applied to the PayPal Credit account. I was also provided a physical statement showing the returned funds. As of today, a remaining balance of {$120.00} related to this transaction is still listed under XXXX XXXX Purchases. This is incorrect, as the item was returned and refunded. Additionally, I have made payments on this account that exceed the disputed amount, yet this balance remains active. This indicates that the refund was not properly applied to the promotional financing balance, or that there is a ledger error within the account. This error is negatively impacting my credit utilization, as my balance is reported at {$1400.00} out of a {$1500.00} limit, which is harming my XXXX XXXX. I am requesting : Immediate removal of the incorrect {$120.00} charge Proper application of the refund to the promotional financing balance Correction of any inaccurate balance reporting to the credit bureaus Written confirmation that this issue has been resolved I have already filed a billing dispute and provided documentation, but the issue remains unresolved. This is a clear billing error under the Fair Credit Billing Act, and I am requesting prompt resolution. Sincerely, 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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I am submitting this complaint regarding a collection account reported on my credit file by Radius Global Solutions LLC. According to my credit report, this account was reported on XX/XX/year>, in the amount of {$2700.00}. I have concerns about the accuracy and validity of this debt and the manner in which it has been reported. I am requesting that the company provide proper validation of this debt, including : - The original creditors name and account number - A full accounting of the amount owed - Documentation showing that I am legally obligated to pay this debt - Proof that Radius Global Solutions LLC has the authority to collect on this account At this time, I dispute the accuracy of this account. This debt was reported without sufficient validation, and it may not belong to me or may be inaccurately reported. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute inaccurate or unverified information. I am requesting that this account be investigated and either : - Properly validated with supporting documentation, or - Removed from my credit report if it can not be verified Additionally, I request that all communication regarding this matter be documented and that any corrections or deletions be promptly reported to all credit bureaus. This inaccurate collection account is negatively impacting my credit profile and financial opportunities, and I expect a timely and thorough resolution. 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 non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a Wells Fargo XXXX for {$77000.00} that matured on XX/XX/XXXX. The website said that I had until XX/XX/XXXX to stop automatic renewal. I called on XX/XX/XXXX and asked to stop the renewal and transfer the the money to my brokerage account. The woman on the phone said they would do it but I checked a week later and instead it was renewed at a 0.06 % interest rate for XXXX months.

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 2026-03-30 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: FL

Complaint narrative:
I have had Cash app account since XXXX. I have based on my years and history got credit with them also. I used this account a lot. However, for no reason apparent they suspended my account supposedly there is suspicious activity or fraud. I reviewed my account and also complain with cash app and yet they never responded with an accurate reason. No proof of which transaction XXXX referred to. I have gotten back and forward but nothing that actually tells me. I have been so many year with them. The only thing I did last was paying off my loan of {$300.00}. Which I received {$220.00} from my brother and then I deposited from my account to complete because I didnt want to be more late paying it. Everything else is my normal transaction and any transaction XXXX dont approve I simply block the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
When I applied for and used the Bilt 2.0 Palladium credit card, I believed that my estimated tax payments would be treated as standard purchases for the purposes of earning rewards points and counting toward the {$4000.00} spending requirement for the 50,000-point introductory bonus. After making substantial estimated tax payments, I discovered that : These transactions did not earn any rewards points, and They did not count toward the introductory bonus spending requirement While I now understand that tax payments may be excluded under the programs terms, this limitation was not clearly disclosed or emphasized at the time I applied for or used the card. I relied on the reasonable expectation that these payments would qualify, particularly since other major credit cards treat such payments as eligible spending. As a result, I made significant charges under a misunderstanding that directly affected my ability to earn rewards and qualify for the introductory bonus. Additionally, I contacted customer service and received conflicting information. I was told by phone that my request could not be accommodated, while chat support indicated that it might be possible. I am submitting this complaint to multiple regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On Thursday XX/XX/XXXX, I attempted to make a purchase on XXXX using my Macy 's card. To my knowledge, my credit limit was {$3100.00}. At that time, my balance was approximately {$1200.00}. I logged into my Macy 's credit card account, and noted the portal stated my limit was {$1200.00}. I never received an notification from Macy 's regarding a decrease in my credit limit ; not by email or regular mail. When I called the customer service, I was told by the rep she was unable to tell me why my limit was decreased, but could send out a letter. I also inquired if there was anything I could do being the reduction of my limit put my account into an over the limit status. I asked the rep to note on my account that I would be filing a complaint for the lack of notification and for extra fees I will be charged because of the account 's over the limit status. I have been a faithful card carrying member of Macys about XXXX years and hate that this is the course they chose to take regarding my account. I will ultimately request for the account to be closed.

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 2026-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I earned rewards through my XXXX credit card issued by Comenity Bank based on approximately {$9800.00} in purchases made during a promotional double rewards period. Under the program terms, rewards are issued in {$100.00} Archarge Rewards Certificates for every {$1500.00} in eligible purchases. With the applicable double rewards promotion, I estimate that I should have received approximately {$1300.00} in total rewards certificates. These rewards were converted into physical certificates and mailed to me. I never received them. Comenity Bank has stated that the certificates were redeemed ; however, I did not receive, authorize, or benefit from these rewards in any way. I tracked the rewards online and never saw they were issued. I called in XXXX and was told they would be issued in XXXX. I called in XXXX and talked to ( XXXX # XXXX ). I was informed that they were indeed issued in XXXX and redeemed. I was told by employee to open a fraud case and I did on XX/XX/XXXX. I have not heard back from the supervisor that was supposed to call or the email that I had filed. I ask for and could not receive when they were issued, where they were mailed, store they were redeemed or any other information. This constitutes unauthorized use of rewards tied to my account. The company converted my earned rewards into negotiable instruments and sent them via unsecured mail without requiring delivery confirmation or verification, resulting in loss or theft and subsequent unauthorized redemption. Despite contacting the company, I have not received a satisfactory explanation, documentation of redemption, or resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
This is complaint against wise.com who I used to transfer the money I am writing to formally escalate a complaint regarding a transfer initiated on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX ). At the time of initiating the transfer, I provided all required information and completed the on boarding process in good faith. On XX/XX/XXXX, your team requested additional documentation, which I provided immediately. Despite my prompt and complete responses, Wise unilaterally cancelled the transaction and returned the funds. I explicitly requested that the funds remain in EUR to avoid XXXX exposure and fees, but this request was declined. I was advised to re-initiate the transfer once the funds were returned, which I did on XX/XX/XXXX at the earliest possible opportunity. During this delay period caused entirely by XXXX internal review process, the USD weakened materially against the EUR. As a result, I incurred an additional cost of approximately {$4100.00} to complete the exact same transaction with identical details. To be clear : No changes were made to the beneficiary, amount, or purpose All requested information was provided promptly The cancellation decision was made solely by Wise The financial loss is directly attributable to the delay and forced reprocessing Given these facts, I do not believe the XXXX loss should be borne by me. The goodwill gesture of {$300.00} offered is not proportionate to the actual loss incurred. I request that Wise : Conduct a full review of this case Provide a detailed explanation for the cancellation Reimburse the financial loss incurred due to XXXX movement resulting from this process If this matter can not be resolved satisfactorily, I will consider escalating the complaint to the appropriate financial regulatory authorities. I appreciate your prompt attention and expect a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Guild Holdings Company
State: FL

Complaint narrative:
I am filing this complaint regarding ongoing payment discrepancies with Guild Mortgage that have not been resolved despite multiple attempts to address the issue directly. Earlier this month, XXXX experienced a payment processing glitch that resulted in multiple payments being withdrawn from my account in error. This appears to be the root cause of the ongoing issues. On XX/XX/XXXX, I made a mortgage payment that XXXX later claimed was not received. However, my bank confirmed that this payment was successfully processed and settled. After several unsuccessful attempts to resolve this with XXXX, I was forced to dispute the transaction with my bank. To ensure my account remained current, I made an additional payment on XX/XX/XXXX via debit card with a XXXX representative. I received confirmation that this payment was successful. However, approximately XXXX days later, I was informed that this payment was also returned. After XXXX received notice of the dispute for the XX/XX/XXXX payment, the XX/XX/XXXX payment appears to have been removed or retracted from my account. As a result, XXXX is currently showing that no payment was made for XXXX, despite XXXX separate payments being processed on my banks end. My bank has opened investigations into both transactions and confirmed that XXXX payments were successfully processed. I continue to receive inconsistent and conflicting information from XXXX each time I contact them, and no resolution has been provided. This situation is causing significant stress and concern. Most importantly, I do not want this issuecaused by payment processing errorsto result in a XXXX late mark on my account, as I have made multiple good-faith attempts to pay on time. Desired Resolution : A full investigation and correction of my account Proper credit for the XXXX payment A clear explanation of what occurred with both transactions Written confirmation that my account will not be reported as late to any credit bureaus I am requesting prompt resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I don't know this company. It came back as a XXXX XXXX collection. I never gave XXXX XXXX my social security number and have not been to XXXX for several years. I also will like to know how did they allow this to happen without confirming it was 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 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I was scammed into believing something XXXX XXXX and soon as I added my money it was swiped off my Cash App XXXX currently pregnant and have a XXXX month old I need my money asked them to refund me they didnt tried with Cash App they rushed the process

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/year> I was defrauded by a transport company and i called venmo right away. They told me that they couldnt reverse the payment but told me to call my bank and put a stop payment. I followed their instructions and was able to stop the payment from my bank. Next thing I received from venmo was that my account was now XXXX since the payment was still completed. I tried calling them back several time explaining that I only acted as they instructed, No one was able to help stating that it was on the receiver to return the funds. I finally called again and got a supervisor. they opened up a dispute for me that was denied... They also told me there were no notes logged for any of the times i had previously called. Not only was I defrauded by the company buy received no help from venmo and they actually enabled it by their lack of professionalism and ill trained customer service representatives. Now my account is frozen and they are claiming I owe them the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Complaint Summary : OneMain Financial and its debt collection law firm XXXX XXXX XXXX XXXX XXXX ) are attempting to collect a fraudulent and unauthorized loan allegedly opened on XX/XX/year>. I previously had a legitimate OneMain account around XXXX, but I did NOT authorize or sign the XXXX loan. The documents contain a forged electronic signature and incorrect personal information. Details : The law firm sent me a loan agreement claiming I ESIGNED the contract on XXXX at XXXX XXXX. This is not my signature, and I did not apply for or receive any funds, vehicle, or services related to this account. I requested validation and demanded the electronic signature XXXX XXXX, IP address, device ID, and identity verification logs. They have not provided this.

Company response to consumer: Closed with explanation