vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, my car was broken into and my debit card was stolen. I immediately reported the theft to SoFi and disputed all unauthorized charges that occurred on XX/XX/XXXX. 

SoFi approved and refunded 4 out of 5 fraudulent charges from this theft, confirming the charges were unauthorized. However, they denied one charge for {$210.00} without clear explanation, despite it being from the same theft incident as the other approved charges. 

In XX/XX/XXXX, I filed an appeal requesting reconsideration of the denied charge. I included screenshots showing all the theft-related charges and the 4 out of 5 refunds SoFi had already issued. 

SoFi responded : " The information that you have provided has already been documented. Please provide new information that was not previously provided on the claim. Without new information, this claim will remain closed. '' This response makes no sense. SoFi acknowledged they already have all the documentation proving the theft occurred - documentation they used to approve refunds for the other 4 charges. They are now demanding " new information '' without specifying what that could possibly be, while simultaneously admitting they already have complete documentation of the theft. 

SoFi 's decision is inconsistent and violates consumer protection standards. By approving the other 4 charges from the same XX/XX/XXXX theft, they confirmed my card was stolen and those transactions were unauthorized. There is no logical or legal basis to deny one charge from the identical incident while approving others based on the exact same evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Enterprises, LLC
State: TX

Complaint narrative:
As I spoke before XXXX XXXX XXXX I owed money to, I spoke to them- this debt is a duplicate of that debt and I never gave consent as in XX/XX/XXXXit is not legal to sell medical debt with HIPPA . This company can not confirm my debt

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 — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is the fourth complete Ive made against Bank of America because they REFUSE to address the real issue. Im a XXXX dependent adult and have been for 30 years. I opened an account with the branch in XXXX Ca XXXX years ago. I told the branch manager at the time that I was a XXXX dependent adult and to please watch over my money and he acknowledged me and I left. Within 12 weeks or so ALL my money was gone and I ended up homeless on a mattress in a gang invested field for over a year. I was XXXX  and XXXX  and bullied relentlessly and Im still traumatized by it I found out recently that my bank LEGALLY was supposed to report any unusual activity to adult protective services who would have come seen me and would have frozen my accounts immediately and gotten me some help. My accounts were screaming with red flags almost a XXXX a day was being taken from the ATM and thousands being transferred daily from my account. The bank has denied my previous attempts at recovering some of my losses stating it was me or someone I knew that did these transactions. It DOESNT matter because Im a XXXX adult. Ive been diagnosed with XXXX  for years so my Multiple drained my accounts and gave it away or people the bank says I knew The account should have been reported to someone who could have helped me. Its not up to the bank to decide if Im. Ok or not they should have reported the transactions as possibly fraudulent or something happening with a dependent adult thats losing XXXX  and XXXX  of dollars everyday. The bank did NOTHING and is responsible for all my losses on my account according to the law. They keep denying old claims of fraud because they dont even know what Im upset about and what theyre are legally in trouble over Im tired of this and probably need to seek an attorney at this point unless the bank settles somehow with me. They are in the wrong on this and need to be held accountable. I went through XXXX  because of them not getting me help at the time all this happened.

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: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
I have been contacting XXXX  since XX/XX/XXXX when I first noticed that they had tagged my account past due. I have been dealing with them for three weeks now calling them every couple of days and speaking to an average 3 to 4 different people I keep giving getting the same answer. I did get them to remove the late fee that they had charged me however they keep telling me that they are going to, but have yet to update my account to being current instead of delinquent. This is setting me up have to pay more late fee fees because I have can not seem to update my account. I have all the statements dating back from XXXX where my {$160.00} payment was processed to current where {$160.00} payment was shown to have been processed they claim that since I got a bill on the third that showed up online and I paid on the third that I am missing a month. I see nowhere in the card holder agreement that I have attached where it states that if payment is made on the same day that the billing the bill has been made available that that would be an extra payment and I would still be liable for late fees however, this payment was made the same day, so it was not early nor late. It was on time as you can see all my other payments have been made prior to the due date of when my bill is due. This is causing issues both financially on me to have to pay more than what was agreed to the 0 % for 12 months. If anything else you need, please contact me. I can download every single statement that I have from XXXX  and would be more than happy to share them with you Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Finance Direct LLC.
State: GA

Complaint narrative:
I am disputing a debt being collected by XXXX XXXX  related to XXXX financing through Health Finance. XXXX ceased operations and was unable to complete my XXXX  treatment. Because the services were not completed, this debt is invalid. 

Despite this, the account was sent to collections. I have formally requested validation of the debt, including proof that services were completed and that I am legally obligated to pay. No such documentation has been provided. 

I am requesting that this account be removed, that all collection activity cease, and that any credit reporting related to this account be deleted. Attempting to collect a debt for services that were never provided is unfair and deceptive. 

I am currently reviewing my legal options, including potential class action participation or other legal remedies. 

I am requesting full resolution, including removal of the debt from all records, cessation of collection activity, and deletion from my credit report.

Company response to consumer: Closed with explanation
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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

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: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I have had a Indigo mastercard for years, and had a great payment history. Upon changing my name legally, I was instructed to upload my license to a special website to prove my name. I did this a few times in XXXX, XXXX and XX/XX/XXXX. The Company kept telling me that they didn't get the information. I called today, XX/XX/XXXX to inquire about the card, and was informed they closed the card on me in XXXX. 
I never received notice, and now find out that that positive payment history is now closed by the credit grantor. 
I don't know where my private information went that I uploaded and I am concerned they have mishandled private information.

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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have attempted to transfer cash out of a Chase checking account in my name and into XXXX account in my name. The accounts were linked online and verified in branch. After attempting in branch, they declined my transfer request for $ XXXX. I then tried to transfer $ XXXX per day online ( their XXXX limit per day ) but ultimately got denied due to their fraud prevention network despite asking me the same question every time ( what care i owned previously, SSN # and what licenses i held ). When I attempted to get my money, the fraud prevention people were rude and said nothing could be done. I called customer service and nothing could be done for several days after the money was back into my account. Therefore, I am stuck with $ XXXX in limbo. All in through this process, I have lost $ XXXX in lost interest attempting to transfer money out of Chase.

Company response to consumer: Closed with explanation
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: CL Holdings LLC
State: MN

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

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: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was offered Carecredit at my Dentist office for {$6500.00} in XX/XX/XXXX at the dental office without any explanation about promotional adverts. I struggled to make more than the required monthly payment. Subsequently, Synchrony Financials upgraded my account to XXXX with increased my credit line. In XX/XX/XXXX. I was charged additional {$3600.00} for not paying the initialed {$6500.00} in full. I was not informed at the at Dentist office or Synchrony Financial about these additional charges. I called Synchrony Financials and was informed about the initial CareCredit must be paid in XXXX years of which I was not informed about this development. I am requesting this charged to be reversed.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
My account with Cash App was restricted due to unusual activity. 
I contacted customer support and offered to verify my identity and confirm transactions, but I have not received adequate assistance or a clear explanation. 
I rely on this account to access my funds and would like either my account restored or immediate instructions on how to withdraw my balance. 
I am willing to provide identification or any documentation necessary. 
Please help resolve this matter.

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 — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This is follow up to case # XXXX I am a XXXX XXXX XXXX and I was the victim of cash app scam. Wells Fargo denied reimbursement and stating that I authorize the transaction. I was deceived and manipulated and this constitute elder financial exploitation. Wells Fargo did not actually consider my age Vulnerability or the fraudulent nature of the transaction. I am requesting a full review under regulations E and Wells Fargo elder abuse policies. Thank you

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: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have been a credit card member with Nordstrom since XXXX. Not sure as to exact date but in XXXX but I contacted Nordstrom Card Services customer service and requested a lower interest rate. Nordstrom emailed me numerous times requesting that I submit my salary to increase credit limit. I did not submit my salary the first few offers/times of receiving the emails. However, I finally submitted my salary last year and my credit limit increased. I never received any documentation/notice that the interest rate would increase to a predatory interest rate. My credit is in good standing, Im never late on any payments with any creditors ( always pay before due dates ). I am paying nearly {$400.00} per month in interest which is absurd. Attaching email as documentation regarding : credit line increase, email stating transaction in the amount of {$380.00} which is when I contacted Mordstrom informing them that I did not make a purchase in the amount of {$380.00} on XX/XX/XXXX. XXXX ; customer service rep informed my thats interest and they should not word email this way ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
Consumer Financial Protection Bureau Complaint Submission Subject : Inaccurate and Misleading Credit Reporting Exeter Finance To Whom It May Concern, I am submitting this complaint regarding inaccurate and misleading credit reporting by Exeter Finance. Despite the requirements of the Fair Credit Reporting Act ( FCRA ), both furnishers continue to report information that appears incomplete, inconsistent, or misleading, which is negatively impacting my credit profile. 



Creditor : Exeter Finance Account Type : Auto Loan Opened : XX/XX/year> Balance Reported : {$2400.00} Status : Closed / Charged-Off This account contains inconsistent and incomplete reporting, including : XXXX XXXX balance remaining while the account is listed as closed Ongoing derogatory/charge-off indicators Missing or unknown data fields Vague payment history codes that do not clearly reflect actual payment status This reporting appears inaccurate and does not meet FCRA standards for completeness or accuracy XXXX 

Resolution Requested I respectfully request that the CFPB assist with : Investigation of both furnishers reporting practices Correction of inaccurate or misleading reporting Proper reporting of a single historical charge-off date only Deletion of the accounts if they can not be verified accurately I have also submitted disputes directly with the credit bureaus. 

These inaccuracies are causing ongoing harm to my creditworthiness and ability to obtain financing. I am requesting prompt review and correction. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint against PayPal because they have permanently suspended my personal account and are holding my funds for XXXX  days while refusing to provide any path for identity verification. 
On XX/XX/year>, my account was limited. According to the response from PayPals Executive Office, the decision was based on Tax ID discrepancies and IP activity. I have provided clear explanations for these points : Linked Account : I created a new account because I lost access to a previous personal email and password. I acted in good faith, and the system allowed the registration without any warnings. 
IP Activity : I occasionally use a VPN for personal reasons to access Ukrainian-language media. This was purely for personal entertainment and not an attempt to mask my identity. 
Identity Verification : I have repeatedly offered to provide high-resolution copies of my legal ID, Social Security documents , and proof of residence to resolve any discrepancies. 
PayPals Executive Office has flatly refused to review my documentation or allow a secondary manual verification, stating their decision is final and that they may no longer respond to my inquiries. I am being denied access to my personal funds while the company refuses to even look at the legal documents that would prove my identity. This is an unfair practice that prevents me from accessing my own money.

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: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/XXXX, I requested a {$14000.00} balance transfer from my USAA credit card to my XXXX credit card. 

On XX/XX/XXXX, I received an email from USAA stating that the balance transfer was completed. I relied on this confirmation and, because of that reliance, I did not pursue other promotional balance transfer opportunities that would have prevented additional interest charges. 

However, throughout XX/XX/XXXX, my XXXX credit card balance was never paid, and I called USAA numerous times to report that the transfer had not been completed. 

On XX/XX/XXXX, USAA opened a balance transfer investigation. 
On XX/XX/XXXX, USAA requested additional information, including the full account number. 
On XX/XX/XXXX, I promptly provided the requested documentation, including a photo of the credit card and the written account number. 

On XX/XX/XXXX, USAA closed the investigation stating : Based on our investigation, weve determined that the transaction in question is valid We do not have enough information to proceed with your dispute, therefore your research request is closed. 

This conclusion was incorrect because the XXXX balance still had not been paid, and I had already provided the requested information. When I continued calling USAA, XXXX associate even told me I would have to keep fighting for my money, and I was still not provided any tracking details or proof of where the {$14000.00} was sent. 

On XX/XX/XXXX, USAA reopened the balance transfer investigation, confirming the issue remains unresolved. 

I specifically opened the USAA credit card based on an offer stating I would receive 0 % APR through mid-XXXX  on balance transfers. The purpose of this transfer was to avoid the high interest charges on my XXXX account. Because the transfer was never properly completed, I have been forced to continue paying interest for the XXXX card for months. I could have did another balance transfer with a non USAA bank. 

Since XX/XX/XXXX, I have incurred ongoing interest charges and financial harm, along with significant stress, due to USAAs failure to properly complete and resolve this balance transfer despite repeated notice and full cooperation on my part.

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