vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OR

Complaint narrative:
I wanted to make a purchase from a person I was speaking to on XXXX. Her company was XXXX XXXX XXXX so I looked up her Cashapp and sent her {$350.00}. She said she didn't receive it and I sent it to the wrong person. I immediately contacted XXXXXXXX XXXX XXXX on Cashapp and told that person it was sent in error and requested a payment back. No response. I immediately disputed it with Cashapp and they denied returning my money so I could resend if need. About that time everything XXXXXXXX XXXX XXXX disappeared from my XXXX account. I also got a phone virus so I reset my phone and asked XXXX to restore my chats but they couldn't or wouldn't. Clearly now the XXXXXXXX XXXX XXXX XXXX are the same person taking my money and not reciprocating. I had borrowed that money in the first place and was supposed to make money off my purchase so I could repay it. I am totally appalled that Cashapp takes this fraud so casually. There should be a way to confirm/finalize or reverse a transaction if they care about our financial safety. My cashapp tag is XXXX XXXXXXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My bank ( XXXX XXXX ) sent a pay off amount to Synchrony bank ( my XXXX store card ) on XX/XX/year>. Synchrony bank cashed in the check on XX/XX/year> and applied it to the wrong account. Despite providing them evidence and proof that it was inaccurately applied to the wrong account, they opened up a dispute case and have refused to provide any information and no updates. I have also written to them and mailed in the letter with evidence ( as this is the only way to do it or fax it ) and they have refused to confirm whether they have recieved the evidence despite possessing tracking on the letter and confirmation that it was recieved. The process has been difficult and they have provided no resolution. Synchrony is essentially holding the money that I sent them for a pay off, and I've been accruing interest and am continuing to make payments on my card.

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 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are unauthorized and should be deleted following investigation. Supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
I received a very shady voicemail from structured settlement after my payment didnt go through. I immediately called them back and yet the man still called family members even though I called and proceeded to fix the minor problem.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I made a purchase with the XXXX 's American Express on XX/XX/XXXX and was trying to dispute the charge and get a refund of my balance of about {$1400.00}. I also closed the account on XX/XX/XXXX because XXXX switched from American Express to XXXX XXXX. When I have called American Express they won't help me and ask me to contact XXXX to get my refund and dispute the charge but XXXX never got information about my account as it was closed before XXXX took over XX/XX/XXXX. I would like to dispute a charge and get my credit balance returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX charged me 2 times with an amount of XXXX $ and immediately called sofi bank about it and was even told that it happens a lot to their clients that it was a gamble site and I never gambled! in XX/XX/XXXX I was charged twice with an amount of XXXX $ and XXXX $ from XXXX and I never been to XXXX! never tried XXXX even once in my life! in XX/XX/XXXX I was charged XXXX $ from XXXX! and I never went to XXXX! and now XX/XX/XXXX they decided to deny my dispute! I mean, what would I do now?! I really need the money and this is so unfair to me! I did not authorized this transactions!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My debit card and checking account were compromised due to identity theft and my phone being hacked. Multiple unauthorized transactions were made, including fraudulent gambling-related charges after my identity was used with fake identification to verify accounts. I filed a dispute with Truist Bank, but I am requesting immediate escalation because the fraud resulted in the loss of approximately {$10000.00} in insurance funds. I am currently experiencing severe financial hardship and can not access funds needed for essential living expenses and a necessary medical procedure. I also reported the matter to law enforcement, and a police investigation is ongoing. Other financial institutions ( including XXXX, XXXX XXXX, credit cards, and XXXX ) have already recognized the fraudulent activity and issued provisional credits or reversals. I am requesting expedited review and provisional credit while the investigation is pending. I also want to provide additional information supporting my fraud claim. In addition to the unauthorized transactions on my Truist account, I discovered over {$4000.00} in unauthorized activity involving my XXXX account. I disputed those transactions as well. Additionally, my credit card companies, XXXX, and XXXX XXXX have already investigated related fraudulent activity and issued credits or reversals connected to the unauthorized transactions and compromised accounts. This demonstrates that multiple financial accounts were impacted as part of a larger identity theft and account takeover situation rather than isolated or authorized transactions. I respectfully request that this information be included in the review of my fraud claim and request for expedited handling and provisional credit. Below is the email I sent to Truist : I am requesting immediate executive escalation regarding a fraud dispute involving unauthorized debit card transactions that drained over {$6700.00} from my account, including insurance funds needed for medical treatment. Due to identity theft, my phone being hacked, and ongoing medical issues requiring hospitalization, fraudulent charges were not immediately discovered. I have already filed a dispute, but I was advised the investigation could take up to 10 days. I can not wait that long because I currently need access to these funds to proceed with an important medical procedure and cover necessary expenses. I am urgently requesting provisional credit and expedited review due to documented financial and medical hardship. Claim Number : XXXX Last XXXX Digits of Card : XXXX Phone Number : XXXX I respectfully ask for immediate assistance from executive support or escalations. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 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: Affirm Holdings, Inc
State: DE

Complaint narrative:
I bought a wig from XXXX XXXX on XX/XX/year>. I paid in full through AFFIRM and waited 5 months for it to be made. I chose everything from the color, cap style, measurements. I received it several weeks ago only to receive a wig I didn't order. The color was red and I ordered XXXX XXXX. the hair was cheap and frizzy for what I paid for {$1000.00}. The cost was actually much more, but they were giving 30 % off for XXXX so it came to {$1000.00} The company sent me an email stating they refunded me in full and it would be up to 10 business days for the refund to show. The issue is with AFFIRM. I filed a dispute the day before the company agreed to refund me. The wig was sent back with a tracking #. I've called AFFIRM and sent emails from the company and they have yet to respond. I am entitled to a refund. They keep procrastinating on issuing it and with the huge 35 % interest rate I think its just not worth us I ng AFFIRM any more since they are refusing to refund. My refund is over {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My vard was locked because of suspected fraud ( it wasn't fraud ). I was instructed to call the fraud department. They said they couldn't clear the pro lem on the phone or via the app. They had so send a letter to my house. So I'm stuck out of the country and unable to use my card. The letter has not arrived at my house so I am still unable to use the card

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX Complaint Against Truist Bank I am filing this complaint against Truist Bank located at XXXX XXXX XXXX, XXXX, FL XXXX. This branch failed to properly verify account ownership and released funds from my account to another individual with the same name on two separate occasions. As a result, I was unable to access my funds at the beginning of the month and could not pay my rent on time, causing me to incur {$110.00} in late fees from my leasing office. After reporting the issue, Truist required supporting documentation, including a letter from my leasing office on official letterhead confirming the late fees. I submitted the requested documents, but the bank continued requesting additional information, including payment details and documents already provided. I spoke with XXXX XXXX who was very helpful, however stated the company was requesting more information after I had sub on the offices letter head what was originally requested. These repeated requests have caused unnecessary delays and frustration. I feel I am being given the runaround instead of receiving a timely resolution for damages caused by the banks error. Had Truist properly verified account ownership, I would have been able to pay my rent on time and avoid these fees. As a XXXX mother responsible for all household expenses, this situation has caused significant financial hardship, stress, and emotional distress. I trusted Truist to safeguard my account and verify identity before releasing funds, and they failed to do so. I believe Truist acted negligently and has not adequately addressed the damages caused. I am requesting : 1. Reimbursement of {$110.00} in rent late fees 2. Written acknowledgment of the banks error 3. Assurance that corrective measures are being implemented 4. A prompt resolution without further unnecessary documentation requests I have retained all supporting documentation, including leasing office records and communication with Truist Bank. I respectfully request timely resolution of this matter.

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complaint Against : JEFFERSON CAPITAL LLC / Jefferson Capital Systems I am filing this complaint regarding JEFFERSON CAPITAL LLC for failure to properly validate an alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The account is currently being reported on my credit report as follows : Company : JEFFERSON CAPITAL LLC Reported Date : XX/XX/XXXX Balance : {$500.00} Opened : XX/XX/XXXX Status : Collection Account Responsibility : Individual Account I disputed this account and requested proper validation of the alleged debt. However, Jefferson Capital failed to provide sufficient documentation proving : I legally owe this debt The amount is accurate They have authority to collect A complete accounting and contract associated with the alleged obligation Despite my request for validation, the account continues to be reported on my credit reports, which is causing harm to my credit profile and financial standing. Under the FDCPA and FCRA, a debt collector must conduct a reasonable investigation and provide adequate validation when a consumer disputes an account. Simply verifying internally without proper documentation is not sufficient. I am requesting that : Jefferson Capital provide full and proper validation of the debt, including signed agreements, complete account statements, and proof of ownership/assignment of the debt ; OR Permanently delete the account from all credit reporting agencies if they can not validate the account properly. I also request that the CFPB investigate Jefferson Capitals reporting and collection practices regarding disputed accounts. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
My acccount was with XXXX XXXX and they sold to XXXX XXXX my account was charged off for being negative after fraud claims were denied. I want to resolve this with a payment plan or somehow but I also would like the XXXX negative marked removed while we make a monthly payment plan

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 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The statement fails to capture the methodical financial review standards and comprehensive oversight procedures I maintain, while overlooking my proven track record of ethical responsibility. The explanation mischaracterizes my disciplined systems.

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 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased some things for the company called XXXX however they never sent me my things and I told her I needed a refund back. I really need Pnc to feed this up because I need my money. She took a lot of money from me. She took {$350.00} I only authorize her to take {$340.00}. She took {$100.00} and I only authorize her to take XXXX she would not give me my money back I have proof right here that she told me to get a refund. I have proof I have not received my things I sent it to the bank. I really really need my money. I have bill bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a fraudulent charge for {$340.00} for a XXXX XXXX XXXX. Not a legitimate company. # attached to charge 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 2026-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Business Bureau
State: IL

Complaint narrative:
Asked for a copy of the agreement or bill that I had signed or a payment also ask you what procedure was done. None of that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express refused to remove fraudulent credit card from my credit profile causing to report incorrect information effecting my life

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime denied Claim # XXXX and # XXXX and is holding me financially responsible for unauthorized debit card transactions despite irrefutable evidence that I was physically outside the United States in XXXX from XX/XX/year> through XX/XX/year>. I provided boarding passes, travel itinerary, and a police report. My debit card remained in my possession at all times, and no one had access to my PIN or account credentials. Unauthorized charges occurred in XXXX, California at merchants including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX while I was physically in XXXX. The Sheriff 's Department informed me they possess evidence related to unauthorized transactions and advised that the bank may formally request relevant investigative information. Chime denied my claim despite this evidence while approving another fraud claims arising during the same travel period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
They call at least 10 times a day and say its synchrony bank over and over and texts and its harassment at this point. They have so many different numbers that I cant keep track. They are relentless. One time they called at XXXX. One time they called on a Sunday. One time they called after XXXX. This is ridiculous.

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 2026-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I was contacted by asset care. And during the course of the call, I told them to please not contact me during the hours between XXXX XXXX and XXXX XXXX because I am at work and my job does not allow phone calls. I was interrupted several times by the person I was on the phone with and once the person finally listened to what I was saying, they then told me that the only way that they could set it up so they would not contact me during work hours was if I provided them my debit card information, which is illegal as far as I'm aware. At that point, I immediately ended the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This company has reported a collection account to the major credit reporting agencies ( XXXX, XXXX, and XXXX ) without any prior written notice, without validating the debt, and without a legitimate contractual relationship.I have no business relationship with this company and have never entered into any agreementwritten, verbal, or implied. The account was posted to my credit report without my knowledge or consent. Credit accounts are the only accounts eligible for reporting on consumer credit accounts. Their actions have resulted in a significant and unjustified drop in my credit score, which has caused me to suffer : - Reduced credit limits from existing creditors - Denials of new credit applications ; - Reputational harm with legitimate financial institutions.Despite attempting to resolve the issue directly, I have received no explanation or validation of the debt. Their credit reporting practices appear to violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by : - Failing to give proper notice before reporting ; - Reporting without verifying the debt ; - Reporting a non-consumer debt as if it were a credit obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
In XX/XX/year>, I discovered a collection account from Hunter Warfield for approximately {$17000.00} that I do not recognize and did not authorize. The alleged debt appears to be connected to an apartment account in Virginia that is not mine. After becoming aware of the account, I contacted Hunter Warfield to report that I believe this is the result of identity theft and requested information regarding what documentation or steps were needed to formally confirm and process the fraud claim. Despite speaking with the company, I have not received the information or follow-up that I requested regarding how to proceed. Since discovering the account, I have taken several actions, including filing an FTC Identity Theft Report, filing a police report, and placing fraud protections on my credit profile. I dispute responsibility for this alleged debt and am requesting that the matter be properly investigated as potential identity theft.

Company response to consumer: Closed with explanation