vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have had my account hacked I am trying to get it situated where it is no longer hacked I have been dealing with this for quite some time now it's very frustrating especially when I've contacted the company and the company still says that it's my fault or that I'm the one that committed fraud when I have a fraud identity theft freeze on my credit report but every time I see transactions and my emails or anything like that. I have disputed many transactions and they continue to say that it was me who let somebody use my account to use my card or to use the XXXX but all the transactions are used with an XXXX that I've never even had I don't have an 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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I called Citibank to cancel XXXX XXXX XXXX checks that have not been cashed starting in XXXX. I was originally told that the money would be recredited to my account on XX/XX/XXXX. I double checked what turned out to be misinformation on the screen at the bank and reached a customer service rep who helped me process the stop payments and told me the money would be recredited on the XXXX. On XX/XX/XXXX I called again to confirm when the money was not in the account and told by a customer service rep that it would be recredited by XXXX that evening. On the XXXX I called again and was given contrary information on each call. They claim they sent an email to the Back Office to expedite this matter. I have asked on more than one occassion for proof that an email was actually sent to the backoffice as requested. Although on the XXXX they at least sent a secure message so the information is inconsisted. They have failed to follow 12 U.S. Code 5006 - Expedited recredit for consumers I have followed all of their instructions and they refuse to tell me when the money will be recredited after telling me it will be recredited on the XXXX. This is costing me my credit rating and funds

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 2026-03-12 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: MO

Complaint narrative:
I am submitting this complaint regarding Cash App ( operated by Block , Inc. ) and the handling of a payment dispute involving {$330.00} for a purchase made through XXXX XXXX. The transaction was funded through my linked debit card using Cash App and the purchase was made through XXXX XXXX. The order was marked as delivered by a third-party carrier, however I never received the package. Because the item was not received, I opened a dispute through Cash App on XX/XX/year>. Shortly after the dispute was opened, my Cash App account was closed for an unrelated reason. The account closure was not related to the dispute itself. Despite the account closure, the dispute should still be processed because the payment was funded through my linked debit card and falls under electronic fund transfer protections. I also attempted to resolve the issue directly with XXXX XXXX. XXXX does not provide a customer service phone number, and their support system only allows communication through in-app live chat messaging. Through this support process, XXXX indicated they attempted to issue a refund for the order. However, the refund attempt was unsuccessful because my Cash App account had already been closed. As a result, the refund was returned instead of being credited to me. Given that the merchant attempted to refund the transaction and the refund was returned due to the Cash App account closure, it is unclear why the dispute investigation has not been resolved or why the refund can not be properly routed back to my funding source ( the linked debit card used for the transaction ). It has now been over two weeks since the dispute was opened and I have not received a meaningful status update or confirmation regarding how the refund will be processed. I am requesting the following : 1. Confirmation that the dispute investigation is still active. 2. Clarification on why the merchants attempted refund could not be redirected to the original debit card funding source. 3. A clear timeline for resolution of the dispute. 4. Written confirmation of how any approved refund will be delivered given the account closure. Because the transaction was funded by debit card and involves a payment dispute for goods not received, I believe this situation falls under the consumer protections provided by the Electronic Fund Transfer Act ( Regulation E ). I am requesting that Cash App properly investigate the dispute and ensure that any refund issued by the merchant or approved through the investigation is returned to the original funding source.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding an auto loan account from Santander Bank that is being reported on my credit report. This account was previously removed from my credit report after a dispute investigation. It has now been reinserted. I did not receive any notice that the account would be reinserted as required under the Fair Credit Reporting Act. I have also filed an identity theft report regarding this account because I believe the account or activity associated with it may be fraudulent. Despite the previous deletion, the account is now being reported again with a charged-off balance of {$12000.00} and a repossession status. I am requesting that Santander Bank provide full documentation supporting the validity of this account, including the original signed contract, payment history, repossession records, and documentation showing how the deficiency balance was calculated. If Santander Bank can not provide proper verification of this account, I request that the account be permanently removed from my credit reports. I am requesting that this matter be investigated and that the inaccurate reporting be corrected or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have been trying to get ahold of Chase Bank freedom card to lower interest rates due to loss of income while still trying to pay on the account. I have been referred to their credit counseling and they said there is nothing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
original account opening bonus not honored by citi bank.

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 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am filing this complaint against Exeter Finance LLC regarding a charged-off auto loan account reported on my credit file. The account ( No. XXXX ) is reported as charged off in XX/XX/year>XXXX with a balance of {$12000.00}. According to my credit report, the account reflects a charge-off and past-due balance. Under Internal Revenue Code 6050P, financial institutions are required to file Form 1099-C when an identifiable event occurs that results in the cancellation or discharge of indebtedness of {$600.00} or more. I have sent written correspondence to Exeter Finance LLC requesting : A copy of any Form 1099-C issued in connection with this account ; and Written confirmation stating whether the debt has been canceled, discharged, forgiven, sold, transferred, or remains legally enforceable. To date, I have not received adequate written confirmation clearly stating the cancellation status of this debt, nor confirmation regarding whether a Form 1099-C has been or will be filed with the IRS. I am seeking : Written clarification of the legal status of this debt ( canceled vs. still legally collectible ) ; Confirmation of whether a 1099-C has been filed or will be filed ; Correction of any inaccurate or misleading credit reporting, if applicable. This matter directly impacts my federal tax compliance and credit reporting accuracy. I am requesting a written response and full clarification from Exeter Finance LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: NC

Complaint narrative:
My Cash App account was unexpectedly closed for suspicious activity. The account was used only occasionally for small peer-to-peer payments between friends. I have never used the account for business transactions, cryptocurrency activity, or any activity that would violate Cash Apps Terms of Service. I first contacted Cash App support to appeal the closure and was told that my case would be reviewed and that I would be contacted. After approximately 15 days without any response, I contacted support again and received the same message but after another 10 days, still did not receive any follow-up or explanation. Although the application currently allows me to withdraw my remaining balance, my concern is that my account was permanently closed without explanation and without completing the appeal review that support indicated would occur. I attempted to resolve this matter directly with Cash App support multiple times but have not received a response to my appeal. I am requesting that Cash App review the closure of my account and determine whether it can be reinstated. If reinstatement is not possible, I request a clear explanation of the reason for the closure. I am willing to provide my account details directly to Cash App to assist with their review if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, Synchrony Bank reduced my credit limit from {$2800.00} to {$640.00} despite my excellent payment history and responsible account management. I have never had late payments or negative activity on this account. This is not the first time this has occurred. I previously had a Rooms To Go account ending in XXXX. Synchrony lowered the credit limit on that account and then closed it, even though I maintained a positive payment record. Approximately six months later, I was approved for a new Rooms To Go account with a {$2000.00} limit, which was later increased to {$2800.00} ( account ending XXXX ). Pattern of inconsistent and harmful practices : Synchrony appears to apply inconsistent standards across accounts. When one accounts limit is reduced, it triggers reductions or closures on other accountseven when there is no negative payment activity. This creates a cycle where : A limit is reduced without cause The reduction negatively affects my credit profile Synchrony then uses the lowered score to justify further reductions or closures This pattern is harmful, unfair, and does not reflect my actual credit behavior. Why this is a problem : I have a long history of ontime payments. There is no negative activity to justify these reductions. The repeated lowering of limits and account closures has a compounding negative effect on my credit. Synchronys actions appear automated, inconsistent, and not based on my true creditworthiness. Additional issue : After the most recent reduction, I requested that Synchrony merge the two Rooms To Go accounts ( ending in XXXX and XXXX ) so that I would have only one active account. This request was made to simplify my credit profile and avoid further unnecessary negative impact. If Synchrony does not restore my credit limit, I will be left with only one account to close, which further demonstrates how their actions are forcing negative outcomes despite my positive payment history.

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I called capital one yrs and yrs ago told them I did not open that account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
On XX/XX/XXXX, I called Mohela to ask for my final payoff amount and to make the payment. The agent told me that the payoff amount was {$260000.00}, and while I was on the phone with him, he walked me through making the payment online in the same amount, {$260000.00}. He confirmed during the call that this was the final payment, and if any unexpected amounts were added thereafter, they would be purged from my account. He said I would receive a letter confirming the final payoff payment. Although I did not receive any correspondence from Mohela, on XX/XX/XXXX, my online account at Mohela reflected that my loans had been paid off by reflecting a XXXX balance. On XX/XX/XXXX, I logged into my online account at Mohela and was surprised to see a new {$300.00} balance. I called to make sure that this amount was going to be purged as promised during my XX/XX/XXXX call with the Mohela agent, and after an hour and thirteen minutes on the call, the agent informed me that she would not purge the amount. She said it was due to a mistake Mohela had made in XX/XX/XXXXXXXX in that they allegedly double booked a payment and, even though it was their mistake, could not credit the {$300.00}. This was despite the agents acknowledgment that Mohela had given me the final payoff amount on XX/XX/XXXXXXXX and I paid that amount in full. Once Mohela gives a final payoff amount, and that payment is made, Mohela has no right to seek any further payments. If Mohela is alleging it gave me the wrong final payoff amount, that is Mohelas fault and it needs to purge any new amounts claimed thereafter. Mohelas conduct is fraudulent and predatory as it has no right or legal basis for claiming more money from me after I paid off my account in full. I demand immediate credit to my account and a letter confirming that my loans were paid off in full following my rendering of the final payoff amount requested on XX/XX/XXXX. In addition, I note the predatory practices during my call to Mohela on XX/XX/XXXX. The agent identified herself as XXXX and told me she could not provide her ID number. She told me she was speaking to unnamed supervisors and upper management that claimed I owed another {$300.00}, and when I asked for their names or the ability to speak to them, she refused and eventually hung up on meafter dealing with her for an hour and thirteen minutes. This conduct is unacceptable and needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a call from XXXX claiming to be Chase bank. Which I currently bank with. While on the phone this person knew all my personal information and said someone was trying to get into my account. All while on this call this person was taking money out of my account. I received an email from XXXX XXXX saying money was sent from my account. Chase allowed this transaction to go through after immediately hanging up and calling Chase to report someone had access to my account and was getting my money. I Had to file a claim with Chase and today I was told I wasnt getting my money back because they didnt see fraud. This was done in a whole another country.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I forgot to update my payment bank account. with Citi Bank. So when I made a payment of around {$3500.00} my old bank sent me an NSF notice. I emediately called Citi, explained what I had done and tried to change my payment to my new bank.They refused and charged my cc for payment not going through. Then they ran it a second time with the same outcome and extra charges to both accounts. Then I called Citi again, the girl said she cancelled my auto pay and deleted my old bank info. Then I made a one time payment of {$4000.00} using my new bank on XX/XX/year>. On XX/XX/year>XXXX Citi attempted the first payment a third time, same outcome, same charges to both accounts. How Can This Be Legal?!!! I won't cancel my XXXX XXXX credit limit card, that will just hurt my credit. But they have lost my business forever!!

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 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: PA

Complaint narrative:
Dispute of Duplicate and Inaccurate Credit Reporting on my consumer credit reports. Upgrade and XXXX XXXX and XXXX XXXX all appear to be the same account reporting multiple tradelines for the same alleged debt. Underneath of different names. XXXX XXXX XXXX XXXX XXXX said they purchased the Upgrade account that originated with XXXX XXXX XXXX. But its showing 2 accounts. Upgrade XXXX and XXXX XXXX {$7500.00}.. These duplicate accounts reflect the same obligation but are listed more than once, and are different amounts. Resulting in unfair damage to my credit profile. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) requires that information furnished to consumer reporting agencies be accurate, complete, and not duplicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retail Merchants Associates
State: LA

Complaint narrative:
This company trying to collect a debt from me has never done any business with me. I have no idea who they are. I requested a debt validation letter with my signature that I have yet to receive. 1 ) Amount of {$1200.00} from Retail Merchant date opened XX/XX/year> 2 ) Amount of {$940.00} from Retail Merchant date opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
An amount of {$1100.00} in unauthorized XXXX charges on my Target XXXX. Target reversed the charges pending investigation, then wrongfully denied my claim. The denial cited a failure to take protective action, but Target 's own reps helped me do exactly that, such as requesting a new card, changing the PIN, and updating my information. Target refused to provide call transcripts or correspondence. I am now being charged interest, penalty fees, and my credit score has been damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I received a notification that my checking account had been debited {$100.00} at XXXX XXXX # XXXX in XXXX XXXX XXXX, Illinois at XXXX XXXX ET. I immediately locked my card and reported the transaction as fraud to Citibank.They opened a Citibank Service request case XXXX to investigate the transaction and provide a reimbursement. They responded stating that they can not honor my request for reimbursement because I informed them that my debit card had not been out of my possession and my PIN was required to perform the transaction. Previously that morning, I had used my debit card at XXXX # XXXX in XXXX XXXX, CA at XXXX XXXX ET for a transaction of {$7.00}. I also used it at a XXXX in XXXX, CA to make a transaction debiting {$10.00} at XXXX XXXX ET. It would be impossible for me to travel from the XXXX in XXXX, CA at XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX Illinois within one hour, with my debit card, to make a {$100.00} transaction, but that logic did not make it into their investigation. I disputed the transaction again on XX/XX/year>. They gave me a new Service request case # XXXX. I told them that live and work in XXXX California. I have never even been to Illinois. I even have the receipts from the XXXX and XXXX transactions to confirm that I made them and that I was in California. They responded the same way as my first dispute. I called again today to file another dispute. Citibank told me that there is nothing further to investigate and the outcome will be the same if they open another case.

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