vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
All my accounts with XXXX where closed on XX/XX/year>, for the second time I was given all my accounts back on XXXX XXXX by a man named XXXX XXXX he wrote a letter saying he Apologized and was going to reinstate all the accounts that they thought they were Fraudulently opened. I was pre qualified and approved for XXXX XXXX XXXX XXXX thru this bank this afternoon I get a alert that my accounts are all restricted. they said that they thought I was not going to pay on the account and I have not even gotten the first moths bill to pay this unlawful and something should be done about this I take my credit very serious and I feel like Syncb is playing games with my credit. I will sue this creditor if my accounts are not back opened. amazon accont number XXXX I also have PayPal, and TJX rewards credit card. This is the finally warning beausenow my credit will Drop again if XXXX doesn't fix this in there system I WILL BE FILLING FOR LITIGATION. I have enclosed the letter from 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 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I am disputing an Affirm Buy Now Pay Later loan because the merchant did not send the item that was ordered under this Affirm transaction. 

The hoodie I received is a different item than what was purchased for this loan and does not match the order details associated with the Affirm account. 

I disputed the charge with Affirm, but Affirm denied the dispute by stating that the correct item was delivered. Affirm did not provide documentation showing that the delivered item corresponds to this specific Affirm loan, such as matching order numbers, item descriptions, or tracking information tied to the loan. 

I am requesting that Affirm properly review this dispute and correct the charge for an item that was not delivered as ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
In XX/XX/year>, a {$99.00} charge for an Instacart+ annual membership was applied to my Ally account. In XX/XX/year>, shortly after the charge, my XXXX account was XXXX. I followed the steps provided by XXXX to restore the account, but my access was not reinstated and I did not receive the services associated with the membership. 

Because I was charged for a service I could not use, I submitted a dispute through Ally requesting a refund of the {$99.00}. Ally denied the dispute. I requested a review of the decision and separately contacted XXXX, on XX/XX/year>. 

XXXX initially denied the refund, even after escalation to a supervisor. I provided this information to Ally, and Ally stated the matter would be reviewed again. I did not receive any follow-up or resolution from Ally. 

In XX/XX/year>, XXXX contacted me and confirmed in writing that the {$99.00} charge had been refunded and that the funds were returned to the bank as part of the dispute process. Despite this confirmation, I have not received the refunded amount in my Ally account. 

As of today, the {$99.00} has not been credited back to me. XXXX states the refund was issued, while Ally has not provided documentation, a clear explanation, or a timeline regarding where the refunded funds are being held or why they have not been returned to my account.

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I am filing this complaint regarding an unresolved issue involving a cashiers check issued by PNC Bank that has caused serious financial hardship and continues to affect my financial stability and housing security. 

In XXXX, I purchased a cashiers check from my personal PNC account, made payable to my mother. The funds for this check were withdrawn directly from my own PNC account, and my banking records clearly reflect this transaction. The check was issued by PNC and was legitimate. 

In XXXX, I deposited this cashiers check into my account using PNCs mobile banking app. The deposit was initially accepted. However, the check was later returned and marked as fictitious, even though it was a valid cashiers check issued by PNC. 

After the initial return, PNC sent me three separate legal copy replacements of the cashiers check and instructed me to deposit them. Each time, I followed their instructions and deposited the provided legal copy. Each time, the deposit was again returned and labeled fictitious. 

Despite repeatedly following PNCs directions, the issue has never been resolved. 

As a result of PNCs failure to properly process this legitimate cashiers check : * My mortgage payment was returned and not received by my mortgage company. 
* Other essential payments were not processed. 
* I have incurred multiple overdraft fees. 
* My account has been repeatedly disrupted. 
* I am currently in a mortgage trial modification, and this error places me at serious risk of losing my home. 

I have contacted PNC numerous times by phone and have visited my local branch every Thursday for the past month seeking resolution. Each time, I receive inconsistent information and no meaningful assistance. No representative has been able to clearly explain why a valid PNC-issued cashiers check and multiple legal replacement copies were labeled fictitious or how the funds will be restored. 

I have been a PNC customer for 13 years and have always managed my accounts responsibly. I am deeply distressed that a check issued by my own bank, using my own funds, has been mishandled in this way and that this has placed my finances and housing at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SAN DIEGO COUNTY CREDIT UNION
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by San Diego County Credit Union ( XXXX ) related to my credit card account. 

XXXX small administrative/annual fees ( approximately {$20.00} total ) were automatically charged to a closed, dormant business checking account that had previously been used for autopay. I was not notified in advance that the payment account was invalid, nor was any attempt made to collect payment from an active account on file before reporting delinquency. 

This credit card account is maintained primarily due to its long credit history, and I acted immediately upon notice to preserve the account and correct the technical autopay issue. 

Upon receiving notice, I immediately went to an XXXX branch in person, where the XXXX  XXXX acknowledged that this situation resulted from an internal autopay/account linkage issue, not from willful nonpayment. During that visit, I : Updated the autopay source to an active account Funded the account to ensure sufficient balance Paid all outstanding amounts in full Brought the account fully current the same day Despite the account being current and XXXX acknowledging the circumstances, XXXX has continued to report late payments to the credit bureaus. I submitted a formal written dispute requesting correction or removal of the late marks due to the acknowledged internal error and the immaterial nature of the fees. That dispute was denied without meaningful investigation or explanation. 

This reporting is materially misleading. It does not reflect actual credit risk, borrower behavior, or repayment intent. The late marks stem solely from a technical/autopay failure tied to a closed account, which XXXX confirmed in person, and which was corrected immediately upon notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: IL

Complaint narrative:
I am submitting this complaint regarding American Expresss handling of my fraud dispute and subsequent financial review. 

I reported unauthorized activity on my American Express account and provided a police report as requested. During a recorded call with an American Express representative, I was accused of submitting a false police report, informed that responsibility for charges was determined based on patterns, and denied a transaction-level, line-by-line review. 

I was later advised by American Express XXXX XXXX XXXX that I have the right to review disputed charges individually. Despite this, my account was restricted and placed on a preset spending limit while the fraud dispute remained unresolved and while a financial review was initiated. 

I am cooperating fully with the financial review ; however, I object to American Express commingling the financial review process with a fraud determination. A financial review should not be used to deny or pre-judge a fraud dispute or to assign responsibility without an itemized review. 

I am requesting : A written, transaction-level review identifying which charges American Express considers authorized versus disputed Written clarification of the basis for any claim that my police report is false Assurance that my rights under the Fair Credit Billing Act are honored and that account restrictions do not prejudice my fraud dispute I am seeking a fair, documented resolution consistent with federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: AR

Complaint narrative:
I deposited my paycheck into my XXXX checking account. Shortly after, I requested an address change. XXXX  then restricted my access to my funds without advance notice. 
I am currently unable to withdraw, transfer, or otherwise access my money. Customer service has been unable to clearly explain why the restriction was placed or provide a timeline for resolution. 
XXXX required multiple rounds of identity verification. I submitted government-issued photo ID ( front and back ), proof of residence, and a selfie verification as instructed. These documents were rejected multiple times for shifting or unclear reasons. Initially, XXXX stated that partial lease documentation was insufficient and later required all pages. A selfie was also rejected for non-material reasons, such as not showing my arm holding the note, despite my face and required information being clearly visible. 
Despite complying with each request, my account remains restricted and my wages are still inaccessible. As a result, I have missed bill payments and experienced financial hardship. 
I am requesting immediate access to my funds or a clear written explanation of the restriction and a specific timeline for resolution. 
Attached are copies of XXXX  verification request email and screenshots showing that my account remains restricted despite multiple document submissions. These materials demonstrate the verification requirements and my inability to access my deposited wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XXXX XXXX Sunday, I used Robinhoods platform to trade event contracts and suffered losses exceeding {$6000.00} plus a resulting negative account balance of approximately - {$600.00}. This was caused by ( XXXX ) misleading presentation of the contract terms inside the Robinhood app, ( XXXX ) repeated failures to execute my sell/close orders when I attempted to exit in good faith, and ( XXXX ) Robinhood allowing instant deposit funds to be used for a gambling-like product without adequate consumer protections. 

Specifically, the Under XXXX contract was displayed directly next to the XXXX team name on the event contract screen. Based on how it was presented, I reasonably believed I was purchasing a XXXX XXXX XXXX team total ( under XXXX points for that team ). That is what I intended to trade. Partway through the game, I discovered that this was NOT a team total and instead related to total points for the entire game. The app did not clearly disclose the correct meaning at the time of purchase in a way that would prevent a reasonable user from making this mistake. The placement/labeling was misleading and induced an unintended transaction. 

As soon as I realized the contract was not what it appeared to be, I attempted multiple times to sell/close my position while the game was still in progress ( well before the XXXX quarter ), including at times when I was still up. Robinhood repeatedly failed to execute my sell orders. Despite numerous attempts, my orders did not fill when they should have in an active market. Later, when the position moved against me ( down more than XXXX % ), Robinhood would allow sells to go through only at a large loss and did not fill all of my contracts, leaving me exposed and amplifying the loss. These attempted exits, timestamps, and partial fills are visible in my order history/execution history. 

Robinhood also allowed me to use instant deposit funds for these event contracts, products that are effectively gambling, without meaningful safeguards or protections for consumers. After the losses and the execution issues, my account ended up with a negative balance of approximately - {$600.00}. I am disputing these transactions because they resulted from misleading presentation and inability to exit when I attempted to close promptly, not from a fair and properly disclosed trade. 

I am requesting Robinhood : ( XXXX ) reverse the event contract transactions, ( XXXX ) reimburse the losses associated with this incident, and ( XXXX ) correct the negative balance back to what it would have been absent the misleading display and execution failures. I am also requesting Robinhood provide the execution logs and an explanation for why my sell orders did not fill when submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: Kriya Capital, LLC
State: PA

Complaint narrative:
Requested debt validation. The company has not provided validation. The company is constantly calling and texting to my personal phone after hours in violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 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: TX

Complaint narrative:
I disputed a {$910.00} charge from XXXX for a service renewal that I did not authorize and did not accept. My dispute was based on failure of authorization and material change in terms, not cancellation timing. 

My prior XXXX plan was approximately {$350.00} {$400.00} per year and was fully paid through XX/XX/XXXX. My stored credit card had expired, so auto-renew had already failed. On XX/XX/XXXX, I updated my card only to review options. XXXX immediately charged {$910.00} without displaying the price, presenting a checkout screen, or obtaining my consent. 

XXXX materially changed the product and price by deprecating my prior plan and replacing it with a significantly higher-priced plan. XXXX claims notice of this change was provided by email on XX/XX/XXXX, but neither XXXX nor Citi has provided proof that such notice was delivered, received, or accepted. I did not receive any such email, and no evidence of constructive notice or assent has been produced. 

Despite these issues, Citi denied the dispute solely on the basis of XXXX cancellation policy and did not address the lack of authorization, the material change in product and price, or the absence of any proof of consent or constructive notice. Citi also did not provide documentation showing that I approved the {$910.00} charge. 

I am requesting review of whether Citi properly evaluated this dispute under card network and consumer protection standards, given that the charge involved a material change in terms and was processed without clear disclosure, authorization, or constructive notice.

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
b"I was the victim of identity theft, that began approximately XXXX XXXX months ago.  I filed a FTC report, FBI report & police report.  The identity theft successfully broke into many accounts of mine, using credit cards, spending money through my savings account, opening a personal loan, using my XXXX account tremendously and lastly, making several large payments through PayPal.  Ever institution I've reported this to has been very helpful up until recently.  XXXX XXXX returned my money & XXXX XXXX returned money to me several times, for example.  PayPal returned some roughly XXXX XXXX amount of $, then said the rest isn't fraud and is reporting about XXXX worth of transactions to the credit bureaus, potentially damaging my already greatly damaged credit (as a result of ID theft). \nI really need help to fight them, as they're blatantly lying and I can't afford an Attorney at this time.  The damage from the identity theft was tremendous and even caused me to lose my job (the enormous stress made it impossible to properly do my very demanding job of mortgage banking).  In addition to this, they won't help me to access my old PayPal account, which stops me from being able to gather the specifics about the $ stolen (the password was changed on my account and I'm locked out).  Please call me XXXX or e-mail XXXX with what else I can do and assist me with this urgent matter."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
based on checking my credit report i noticed that my personal information was exposed as i don't recognize multiples collections charges and debts. 
attached are the creditor 's information that i contacted to get the matter resolved and nothing was done. I am requesting this information to be removed immediately from my credit report as it is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} N/A of Credit Limit Last Reported XXXX, XXXX Account Designator Individual account for sole use of consumer Industry Credit Union and Finance Other Than Personal Companies Loan Type Automobile Credit Limit - Loan Term Installment 072 Monthly Payment Amount - Highest Balance {$54000.00} Status Charged o as bad debt Past Due {$13000.00} Remarks Profit and loss writeo Notes Automated Account Account closed normally XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing you to put you on notice and inform you of matters of upmost importance concerning account XXXX XXXXXXXX In relation to the Retail Installment Sales Contract ( hereinafter XXXX XXXX XXXX ) that was assigned and/or transferred to your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the VIN for my property XXXX with this XXXX is XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After thoroughly going over the circumstances and meticulously looking over the documentation concerning the XXXX initiating this transaction, I have discovered that XXXX XXXX XXXXXXXX Doing Business As XXXX XXXX XXXX, ( hereafter The Dealership ) located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has engaged in fraudulent practices. The Dealership committed several acts of fraud and are noncompliant with XXXX  law including various federal laws as well. ( See attached notice to The Dealership ) I have forwarded you the documentation that I sent to the dealership which was received by them on XXXX  the XXXX of XXXX, XXXX, notifying them of their actions and the violations of law that followed. The purpose of this notice is to put your company on notice that the XXXX and any agreement attached hereto has been effectively rescinded and is XXXX due to these violations. As a result of these matters I am not liable for any payment and/or finance charges, all Security interest assigned is void ( XXXX ( XXXX ) ) any and all liens in any form are also void as of the date of the rescission. 

Both Florida law and Federal law support my lawful rescission of this transaction/agreement as well as its assignments. Pursuant to similar laws TILA XXXX ( a ) ( XXXX ) XXXX XXXXXXXX XXXX your company may also be held liable for these actions as an assignee, although at this current time I am not pursuing any action against your company. 

See attached documentation sent to The Dealership, the primary fact that is the point of their fraud is that The Dealership never had proper authorization/authority to assign the XXXX, rights and/or claims, security interest, nor placement of lien. Due to their lack of authorization all of the above acts that were done without authority are void. 

Again this notice is simply to inform you at this current time, ( XXXX ) IMMEDIATELY CEASE collections/reporting ( FCRA 1681s-2 ), ( 2 ) Report Paid in Full to XXXX ( 3 ) confirm lien release XXXX, ( 4 ) acknowledge rescission in writing ( within XXXX  days, by XX/XX/XXXX ). 

Failure to comply can lead to further pursuit of claims against your company as assignee & party to this transaction. 

Best Regards.

Company response to consumer: Closed with explanation