vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 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: TN

Complaint narrative:
This is related to my previous complaint ( Complaint # : XXXX ) I am refiling this complaint because U.S. Bank has not resolved my issue regarding a XXXX sign-up bonus. The core issue is the discrepancy between the Account Opening Date displayed in the U.S. Bank XXXX XXXX and the banks internal records. The app explicitly listed my " Account Opening Date '' as XX/XX/XXXX. Based on this date, I calculated my 90-day spending window to end on 02/03/2026. I spent over {$4000.00} within this timeframe to fulfill the bonus requirement. The bank informed me that the actual account opening date was XX/XX/XXXX, making me ineligible for the bonus. This discrepancy arose because my first card ( ending in XXXX ) was never received and had to be reissued, which caused the app to update the date to XX/XX/XXXX. I have attached screenshots showing this date. Why the banks response is inadequate : Misleading Official Information : I relied on the official app to manage my spending. Expecting me to know a different internal date is unreasonable. Good Faith Compliance : I fulfilled the {$4000.00} spending requirement within 90 days based on the apps date. Penalizing me for a system error is unjust. Bank System Error : The failure to deliver the first card and sync records caused the app to show an incorrect date. This corporate error should not disadvantage the consumer.

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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year> XXXX $ disappeared from my Bank of America account. Bank started investigation # XXXX could take up to 90 days to complete. My account is locked till investigation completed. Bank advised that money were physically withdrawn from branch, but bank does not have a transaction paperwork as well as a clerk who disburse the money. I was advised to file a police report if i want my money back.

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 monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CL Holdings LLC
State: SC

Complaint narrative:
I have no knowledge of this account and cant verify if its accurate if they cant provide account number and payment history available. I contacted the original creditor listed and they have no such account in there system

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Credit Services, LLC
State: TX

Complaint narrative:
Received a cold call from Consumer Credit Services, asking for my wife. I obviously didnt disclose any information. The lady on the other end of the line became belligerent, and hung up and blocked my number when I wouldn't disclose any information. The number came from this number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-27 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: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/XXXX I received 2 fraudulent charges on my XXXX XXXX Citi Advantage card ( I pay and annual fee of $ XXXX {$170.00} for additional user to receive XXXX XXXX XXXX ). I reported them, a new card was issued and the transactions were credited. Each day XX/XX/XXXX, XX/XX/XXXX, XXXX - I received 2 fraudulent charges each day from the same merchant in the XXXX ( I am in XXXX NC and have not been to or purchased anything from the XXXX in a long while ). These charges on a daily basis were ~ {$100.00} from the exact same merchant daily. It is clear that Citi has a security gap in their cards. I suspect the fraudster set these transactions up as recurring charges in a digital wallet. Citi allows those transactions to stay in tact regardless if the card is reported lost or stolen. They put the burden on me as a customer to look for known fraud charges recurring, when i had nothing to do with it to begin with. I called on the XXXX to report the fraudulent charges. I expressed frustration that they did not stop the charges. They issued another card ( which I never received ). I called back when I saw the other charges and determined the only way for me to avoid liability and the inconvenience of calling in daily to dispute charges was to close the account. This led to me losing the {$870.00} annual fee that I paid in XXXX of XXXX ( 3 months of benefits received instead of 12 ). I called to discuss one of two solutions 1 ) partial refund 2 ) reopen the account in a 'blocked ' status so that I can get the benefits due to me ( lounge access, free checked bags, etc ). They indicated that they are unable to refund because the account is closed and that to reopen, they would have to pull credit and 're-approve ' my application. This is unacceptable. I see charges for 5 straight days not just post, but clear from a known fraudulent location that I have never been and reported as fraud the first day. I then take the only action I can think of to prevent being liable for these ongoing charges- closing the account. I should not lose access to the services I paid for ( XXXX advantage benefits ) because CITI could not do their job.

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 monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: CA

Complaint narrative:
I received a CashApp XXXX card with my name in the mail at my home address. I don't and never had an account with them, not have I done any type of business with them. Called XXXX from the back of the card. After explaining the situation, agent wanted me to give him my personal info ( email, phone number, home address ) in order to assist me. I refused to give him anything other than the number of the card I received and my name, since that information is sufficient for the agent to locate the account. I don't know who CashApp is, and what else was the phone agent going to do with my personal information besides " opening an investigation ''. For all I know, he might have been the one who opened the account in my name. The agent refused to do anything if I don't give him my personal info, and would not transfer me to a supervisor because I don't have an account with them. He eventually hung up on me. I tried getting ahold of someone at the parent XXXX XXXX but was unable to get anyone on the line- the phone system kept asking for account info, and I don't have a XXXX account. This is the second time I receive a CashApp card I didn't request, and the second time I have to escalate to FTC and CFPB because CashApp and XXXX XXXX refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and demand for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am disputing the accuracy and validity of the account reported by XXXX and listed on my ChexSystems consumer file as Account Abuse in the amount of {$21000.00}, dated XX/XX/year>. This account is not mine, was never authorized by me, and is the result of identity theft. Your records indicate that this item was previously verified. However, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation when a consumer disputes information and provides additional supporting documentation. A superficial or automated verification process does not satisfy your statutory obligations. Enclosed are supporting documents, including : - Federal Trade Commission Identity Theft Report Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. If you are unable to produce competent evidence that this account belongs to me including but not limited to a signed application, account opening records, and proof of authorization then this item must be deleted immediately. Failure to comply with the FCRA, including failure to conduct a proper reinvestigation or continued reporting of inaccurate information, may constitute willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o, and may subject your company to liability. Additionally, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), you are required to provide me with written results of your reinvestigation, including a description of the procedure used to determine the accuracy and completeness of the information. If this matter is not resolved within the statutory timeframe, I am prepared to escalate this dispute by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies. I demand that this matter be handled with the seriousness and urgency required by federal law. Sincerely, XXXX XXXX XXXX XXXX ID : 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 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I made multiple deposits to an online sweepstakes gaming platform named XXXX who accepted XXXX of dollars from me in a span of less than one week. They offer large incentives often as much as 150 % deposit matches with just XXXX XXXX XXXX through and deposits are supposed to be matched with their virtual currency sweeps coins and available to withdraw from your wallet when requested. I first attempted small withdrawals of just {$100.00} each because the site said that for new members they only allow {$100.00} per day withdrawal and the site ended up just placing me in a unreasonable verification with impossible to complete tasks and a customer service bought automating denial to any inquiry or request for withdrawal. The site then suspended account only to delete my available, funds balance, and even modify the account transaction history. I have now disputed the transactions with my bank and as of yesterday XXXX sent an email trying to say that they had now verified my accounts and were sending my two {$100.00} withdrawals but no mention of over {$2000.00} in my account balance this email from them also being another trick of theirs for them to push back against the dispute or possible charge back because I was still issued no money and the accounts mentioned were fabricated by them and do not belong to me they are fully aware of the accounts that belong to me because they forced me to verify them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: AR

Complaint narrative:
Level One Law /XXXX collected {$550.00} twice monthly from XX/XX/XXXX - XX/XX/XXXX when I XXXX XXXX XXXX halted their collection. The notice I received was that Level One was collecting fees as a shell company for XXXX XXXX XXXX ( XXXX ) before working on our behalf to negotiate our debt reductions. I would email and call Level One and never got updates on why they were supposed to be negotiating with creditors on my behalf but were not doing as our contract stated. They had me contact all of my creditors and tell them that Level One was negotiating on my behalf and had me give each creditor the contact person and phone number for who was handling my file. The creditors were not receiving any responses to their inquiries from Level One. When multiple creditors filed claims against me in court, Level One didn't represent my as they stated and didn't respond to the collection agencies nor the court 's requests for information and default judgments were made against me for the entire amounts of the debt. No negotiations were made, no contact was made even though they collected over {$5000.00} in biweekly fees before the injunction from courts stating they could no longer collect the fees. The bank account they had me send the money to was also collecting a {$10.00} fee from me on top of the money Level One was collecting until a judge ordered the closing of the accounts and the returning of any money that was in those accounts. This decision occurred almost XXXX XXXX after I initially entered the agreement with Level One XXXX XXXX XXXX XXXX. During the injunction period, they attempted to have me sign additional documentation that allowed them to collect the money that was frozen by the judge using a separate method and needed me to sign something that I authorized the continued collection. It was if they were trying to circumvent the court order. I still had to pay the default judgments and am still paying those creditors that were supposed to be negotiated with on my behalf by Level One. I still never received an email or phone call from anyone associated with Level One for over XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
Issue : Incorrect information on credit report/improper reporting of auto loan I am filling this complaint regarding Santander XXXX USA and the inaccurate reporting of an auto loan account. This loan was paid in full on or about XX/XX/XXXX. XXXX. Following that payoff, the lien on the vehicle was released, and I received documentation confirming he account had been satisfied. After the pay off was completed, Santander claims that the payment was applied in error and unilaterally reinstated the loan. However, I never signed or agreed to any new loan agreement or reinstatement of the debt. Despite this, Santander is currently reporting : 1. A balance of approximately {$21000.00} 2. A past due amount of approximately {$1200.00} 3. A delinquency status of XXXX days past due This reporting is inaccurate because the loan had already been paid in full, and there is no valid agreement supporting a new or reinstated obligation. I disputed this information with TransUnion. Their investigation concluded with the account being " Updated '' based solely on the verification from Santander. No documentation was provided to support the validity of the reinstated loan. Santander is now reporting a delinquent account without : 1. A valid, signed agreement 2. A lawful basis for reinstatement after payoff 3. Accurate reflection of the account history Additionally, the reporting creates a contradiction, as I am being reported late on a loan that had already been paid and closed. This has caused harm by the negativity impacting my credit harm by negatively impacting financial transactions, including the ability to sell or trade the vehicle. I am requesting that Santander : 1. Provide proof of any legally binding agreement supporting the reinstated loan 2. Cease reporting inaccurate and mis leading information 3.Remove or Correct the account from all credit reporting agencies if it can not be properly validated I am also requesting that the CFPB investigate whether Santander is in violation of the Fair Credit Reporting Act by reporting unverified and inaccurate information. This issue has also been previously reported un a co-borrower, demonstrating a pattern of inaccurate handling of this account. I am attaching documentation, including credit report results and prior correspondent Every time we have requested this information the continue to send a copy of the first agreement signed XX/XX/year> and a copy of their payment history documents that do not match the payment statements that we receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is a follow-up to Complaint # XXXX. Attached are bank records supporting the original claim of misapplied payments and failure to reconcile the loan. I am submitting this as a follow-up to my prior complaint regarding mortgage servicing errors involving Truist related to misapplied payments, improper payment reversals, and an incorrect default status following a servicing transfer from XXXX XXXX. Since filing my original complaint, I have obtained bank records from XXXX XXXX XXXX confirming consistent mortgage payments made to both XXXX XXXX and Truist. These records demonstrate a continuous payment history and support our concern that payments were misapplied, reversed, or not properly reconciled during and after the servicing transfer. The attached documentation reflects a clear pattern of payments over time, including payments made directly to Truist following the transfer, yet the account has been placed into default status as of XX/XX/year>. We dispute this determination. This is not a nonpayment issue. This is a servicing and accounting issue involving failure to properly apply payments and failure to reconcile the loan after disputed transactions and servicing transfer.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect 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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I dispute a collection account reported by XXXX XXXX in the amount of {$170.00}, dated XX/XX/year>. This account does not belong to me, and I have no knowledge of this debt. I request a full investigation and immediate removal if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Subject : Complaint Regarding American Express Denial of Fraud Dispute Due to Delayed Discovery I am submitting this complaint regarding American Express and its handling of a dispute involving fraudulent misrepresentation. In XX/XX/XXXX, I used my American Express card to pay unitedpassport.com for what was as an official U.S. passport processing service. The merchants website and communications strongly implied affiliation with the U.S. government, which led me to reasonably believe I was using a legitimate government service. In XX/XX/XXXX, when I attempted to complete my childs passport application through the United States Postal Service, I was informed that this company is not affiliated with the government and that I had been scammed. I immediately filed a dispute with American Express upon discovering the fraud. However, my claim was denied solely because the charge occurred more than 60 days prior to the dispute. American Express did not appear to consider the critical fact that : The merchant engaged in deceptive practices by impersonating a government agency This deception prevented me from discovering the fraud within the standard dispute window I acted promptly and in good faith once the fraud became known This is not a typical billing dispute, but a case of fraudulent misrepresentation and services not rendered as advertised. The denial based only on timing fails to account for the delayed discovery caused by the merchants conduct. I respectfully request that the CFPB require American Express to : Reopen and fully investigate this dispute under fraud/misrepresentation guidelines Consider the delayed discovery timeline rather than applying a strict 60-day limit Issue a chargeback for this transaction I am prepared to provide supporting documentation, including receipts, communications, and evidence of the merchants misleading claims, as well as proof of when the fraud was discovered. Sincerely XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I have several accounts and auto loan in my report that I have not opened

Company response to consumer: Closed with explanation