vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
am submitting this complaint because fraudulent banking records are being reported in my ChexSystems consumer file as a result of identity theft. I did not open, authorize, or benefit from the following accounts, and I did not authorize any transactions, overdrafts, returned items, account abuse, closures, or fraud-related activity connected to them : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and are the result of identity theft. Despite my dispute, this inaccurate information is causing harm to my consumer banking history and may prevent me from opening legitimate bank accounts. I am requesting that ChexSystems : XXXX. Reinvestigate all disputed records immediately XXXX. Delete all fraudulent and inaccurate entries from my consumer file XXXX. Block any identity theft-related information from future reporting XXXX. Provide written confirmation once the disputed records are removed I am also requesting that ChexSystems ensure that any furnisher reporting these accounts is notified that the information is disputed as identity theft and should not continue to be reported without proper verification. This matter is urgent and should be corrected immediately.

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 2026-03-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am not receiving my statements and also I did not receive XXXX. I have called XXXX XXXX more than XXXX times and they tell me that they will send it but they don't send them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: MI

Complaint narrative:
when i was absolutely desperate for money I took out the loan and now looking bacl it is impossible to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am submitting a formal complaint regarding serious issues with my auto loan account, including excessive interest charges, incorrect payment application, and inaccurate account status. My monthly payment is {$600.00}, yet only about {$26.00} is being applied toward the principal, with the majority going to interest. I have repeatedly requested an explanation for this but have not received a clear or reasonable response. Additionally, my vehicle was declared a total loss, and large payments have been made toward my balance through insurance, XXXX coverage, and related services totaling approximately {$27000.00}. I have also made XXXX separate {$600.00} payments on time. Despite this, my account continues to be marked as late, and I am being charged ongoing daily interest. Given the total amount paid toward this loan, my account should be paid off or significantly reduced. I am also experiencing delays in the update of my balance, which is preventing me from making accurate payments. I am requesting the following immediately : A full audit and detailed breakdown of my account Correction of any incorrect late payment reporting An updated and accurate account balance A clear explanation of all interest charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: TX

Complaint narrative:
On XX/XX/XXXX, I reported a {$200.00} charge on my checking account that I did not authorize. The bank did an investigation and returned the money to my account. Then, on XX/XX/XXXX I received notification that they had proof and documentation that I or another user had made these charges and they were taking the {$200.00} back. Once they took the money, my account balance was left in a negative balance. I had to transfer money from my savings account to cover the negative balance. I requested this proof and documentation that they said they had but they have refused to provide it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 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: NY

Complaint narrative:
I dispute a {$400.00} charge from XXXX ( XXXX # XXXX ) for XXXX heavy/bulky items. Cash App denied my dispute and final appeal on XX/XX/year>, despite clear evidence of merchant fraud. The drivers XXXX of XXXX is a photo showing only XXXX box on a common staircase, which is impossible for a XXXX order including a XXXX knife block and a XXXX cookware set. Cash Apps refusal to correct this violates Regulation XXXX and XXXX XXXX XXXX XXXX. Ive filed a formal complaint with the XXXX Department of Consumer and Worker Protection ( Case # XXXX ). I request a manual review of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I called the number in the bill to tell them I havent had this Loft card in XXXX years and I made No purchases with them. Im getting late fee now. {$42.00} last month, I called and it was an auto operator asking for last XXXX SS number, I gave it and was told this account is closed and there is XXXX balance and then hangs up. I wrote the company Comenity Bank and explain it in writing. No response from them. XX/XX/year> I get a new bill for over {$90.00}, call again and Im told acct is closed/zero balance. Call again and was offered a {$100.00} card ( XXXX ) I ask for an operator to discuss this bill, Im out on hold and then hung up on. This bill states Ill be charged another {$42.00} if not paid. I never use this card, I dont even own the card anymore. I cant even give the hole CC number because I do r have it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown’s New Credit Bureau Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I visited the XXXX at XXXX XXXX XXXX XXXX XXXX XXXX after driving approximately 1.5 hours from XXXX, AZ due to severe XXXX XXXX, including XXXX, significant XXXX pain, and XXXX. During this visit, my XXXX sample was lost, and my symptoms were dismissed. A physician stated that staff believed I was making it up A nurse also dismissed my complaints of pain during XXXX insertion and told me the pain was normal, despite the XXXX being improperly placed. The nurse removed the XXXX before allowing the assisting staff member to correct the issue. I was discharged without proper treatment or resolution of my condition. My symptoms persisted for months following this visit, causing ongoing physical distress. Despite receiving inadequate and dismissive care, I was billed over {$11000.00}. A portion of this balance has since been sent to collections without proper investigation or resolution of my complaints. I made multiple attempts to resolve this directly with the hospital and patient advocacy, requesting review of both the care provided and the associated billing. No meaningful resolution was provided prior to the account being sent to collections. I am disputing this debt on the basis that the services billed were inadequate and not properly rendered, and I am requesting a formal review of both the billing and collection actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: GA

Complaint narrative:
I earned Flexpoints from a US Bank personal XXXX credit card for many years- about XXXX points. They issued a new credit card, the XXXX XXXX card, but under a different and less valuable points program without notice, devaluing the points I have accumulated. They refuse to honor the points at original stated value or transfer the points to my other business credit card- even though the XXXX account numbers are the same for both credit cards. I signed up for this card long ago, thinking I was accumulating XXXX for rewards for a defined reward dollar value. Without notification or my consent, they changed the value of the points earned for spending to a lower value with the new card. They did not give me notice that my rewards points would be worth a lower value, nor did they even explain that the new replacement card, which was due to expire in XXXX, would convert my earned XXXX to XXXX XXXX points. I contacted US Bank- they said sorry, that's how it works.

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 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
In XX/XX/year>, I mailed a written dispute and request for validation regarding this account. I disputed the accuracy of the reporting and requested documentation supporting the debt. I did not receive any response or validation from the company. Despite this, the account continues to be reported on my credit file. The company has not provided documentation such as the original agreement, payment history, or proof of its authority to collect and report the debt. I am requesting that the company either provide full validation of the debt or remove the account from all credit reporting agencies. If the company can not provide this documentation, the account should be removed as unverified and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is incredible irresponsible and needs a much larger XXXX XXXX! When I stay on hold for XXXX minutes never get a real person! Plus constant bot talking about bank! When told to leave number for call back Never call back! When contact bank person at bank they refuse to give me answers to questions on my account. I'm told have to call bank number. I've called XXXX times a week No real Person! These billionaires must hire people at call center BOA so when we call We get a live person to solve BOA within XXXX minutes!!! XXXX for your time 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 explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: MO

Complaint narrative:
I've been working with Mandarich Law Group LLP trying to resolve a debt. I contacted them after they began garnishing 25 % of my wages. They agreed to release the garnishment and enter a consent judgment although my wages continued to be garnished for the next XXXX weeks. The consent judgment I agreed to and signed was never filed with the court by XXXX XXXX XXXX. When I inquired about my remaining balance after the garnishment release, they stated the amount due was {$920.00}, more than my records show according to my employer and bank records. They said they do not have to honor the consent judgment agreed upon because although I signed an agreement, it was never actually filed with the courts. I was told on XXXX occasion that my appearance in court was not necessary. There was also an error made on their behalf when filing an earlier motion. I wasn't going to make anymore payments when we didnt agree on the remaining balance owed. When I requested a written statement stating once I've paid the remaining amount this debt will be considered satisfied, their response was, " You have the email I sent you stating that. '' It was just an email and not a signed letter or document. They then threatened to have my wages garnished again and for more than what I believe is owed. XXXX XXXX XXXX has been deceptive. I have an email stating this would be resolved and considered paid in full after paying {$450.00} which has been paid but now saying I owe more.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: PA

Complaint narrative:
I am filing a complaint regarding XXXX handling of my fraud dispute and their refusal to refund unauthorized transactions totaling {$3500.00}. in regards to claim # XXXX and claim # XXXX On XX/XX/year>, I was assaulted and robbed. During that incident, my wallet, phone, and laptop were taken. My phone was later recovered but was destroyed and unusable. My laptop was never returned. Because of this, I did not have control of my devices or the financial access connected to them. On XX/XX/XXXX and XX/XX/year>, shortly after funds were deposited into my account, a series of transactions occurred that I did not make. These included XXXX XXXX transfers, XXXX Games charges, Lucky Hands LLC charges, and an XXXX Payment charge. I did not authorize, initiate, or approve any of these transactions. Some of the XXXX XXXX activity appears to have come from an XXXX that I do not own or control. I have not had access to an XXXX since mine was stolen and destroyed. I also have not had access to my XXXX account or email since this incident. I reported these transactions and provided a police report documenting the robbery. However, XXXX denied my dispute and did not properly take into account the police report or the fact that my devices were stolen prior to the unauthorized transactions. Their investigation appears incomplete and did not reasonably consider the circumstances of the theft or the unauthorized access.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
We have made multiple attempts to call. Them always in hold last time, XX/XX/year> on hold for XXXX minutes. Prior to that XXXX minutes. No way to contact via email, as requested when logging online. Set on their website to " NOT CALL '', now constant texts to my other line.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime suddenly reduced my XXXX limit from {$360.00} to {$60.00} for the month of XX/XX/year>, even though, as per their own customer service representatives, my direct deposits are stable, I have repaid all advances on time, and I have had sufficient funds monthly to cover both XXXXe repayments. I contacted Chime customer service multiple times, and they confirmed that nothing changed on my end, but refused to provide details or escalate for a manual review, stating the change is automatic as per the terms and conditions of using XXXX, and that I was speaking with the highest level of support speaking with a customer service representative Supervisor, and that while they agreed that I was correct and nothing had changed on my end, they are unable to help or escalate as there is no department available to help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
I am filing a complaint regarding a debt collection attempt by Contract Callers Inc. related to an alleged balance of {$490.00} from XXXX XXXX XXXX and Gas ( XXXX & XXXX ). I dispute this debt and deny any personal liability. Although my name appears on the account alongside XXXX XXXX, she was my former spouse. Our marriage was legally dissolved on XX/XX/XXXX, as evidenced by a XXXX XXXX of XXXX. The service address listed for this account is XXXX New XXXX XXXX, XXXX, NJ. This was not my residence. I have documentation showing that I have resided at XXXX XXXX XXXX # XXXX, XXXX, NJ since XX/XX/XXXX. Additionally : I did not open or authorize this account I did not sign any agreement for utility service at that address I am not listed as a tenant on the lease for that property The debt collector claims the creditor confirmed my name and address, but has failed to provide any signed contract or valid proof that I am legally responsible for this debt. This is not sufficient validation under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting : Full validation of the debt, including a signed service agreement Proof that I authorized or opened the account Proof that I resided at the service address Removal of this account from any credit reporting if proper validation can not be provided I believe this collection attempt may be inaccurate and potentially harmful to my credit. I request that this matter be investigated and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: TX

Complaint narrative:
At the time of taking this loan ( Loan # XXXX ), the lender, Ascend Loans LLC, failed to provide any loan agreement or disclose the interest rate to me. I was only told that I qualified for the loan. I recently discovered that the XXXX is approximately 700 % ( {$950.00} principal resulting in {$5100.00} total payments ), which I believe is predatory and was intentionally hidden from me during the application process. Furthermore, as a resident of XXXX, Texas, I believe these rates violate Texas usury laws and the lender engaged in deceptive practices by not disclosing these terms upfront.

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 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
ON XX/XX/XXXX I DIGITALLY DEPOSITED ANOTHER WORKER 'S COMPENSATION CHECK I RECEIVE XXXX XXXX INTO CHECKING XXXX. THE FUNDS WERE IN THE ACCOUNT ON XX/XX/XXXX. THE CHECK 'S AMOUNT WAS {$1000.00} CHECK No : XXXX WITH THE DATE OF XX/XX/XXXX FROM THE STATE INSURANCE FUND ; STATE OF NEW YORK DEPARTMENT XXXX XXXX AND XXXX DIVISION OF THE TREASURY. IN RED INK ON CHECK XXXX. XXXX XXXX BANK, XXXX. NEW YORK, NY I TRANSFERRED {$700.00} OF THE CHECK 'S FUNDS INTO MY SAVINGS SO I WOULD NOT SPEND EVERYTHING. ON XX/XX/XXXX MY ACCOUNT WAS A NEGATIVE $! XXXX. WHEN I CALLED CITIZENS BANK, SUPERVISOR XXXX EXPLAINED THAT CHECK WAS RETURNED AND THE ACCOUNT OF THE BANK STATED THAT WAS NOT THEIR ACCOUNT LOCATED ON CHECK. I WAS TOLD THAT THEY WILL NOT HONOR THAT CHECK. I EXPLAINED THAT FOR SEVERAL MONTHS OVER I HAVE DEPOSITED THE SAME CHECKS I RECEIVE AS AN INJURED WORKER FROM XXXX THAT A WORKER 'S COMP JUDGE DIRECTED XXXX TO PAY ME {$1000.00} BIWEEKLY. THE BANK HAS SHUT DOWN MY ACCOUNT, DEBIT AND ALSO PUT A FRAUD ALERT ON MY ACCOUNT. I CALLED THE POLICE AND ALSO REQUSETED THE POSTAL INSPECTOR TO START AN INVESTIGATION ON BOUNCED CHECK. A DETECTIVE IS ALSO ASSIGNED XXXX CHECK IS STILL UNCASHED, BUT ACCORDING TO OFFICERS THE CHECK DOES NOT LOOK ALTERED AND STILL HAS WATER MARKS ON IT. I WILL TAKE THAT BOUNCED CHECK TO CHASE BANK TO SEE IS THEY STATE THAT IT IS NOT THEIR CHECK AS CITIZENS BANK CLAIMED THEY STATED. IF CHECK IS ALTERED OR FRAUDULENT., THEN THAT MEANS THE BANK IS FABRICATING FALSE FRAUD. PLEASE LOOK INTO THIS. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: SC

Complaint narrative:
The late payments and charge-off accounts being reported on my consumer credit reports are factually inaccurate, materially misleading, incomplete, and unverifiable. Despite their legal obligation, the furnishers have failed to provide competent, original, and legally admissible documentation proving that these alleged delinquencies are accurate and valid.

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 2026-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The late payments and charge-off accounts being reported on my consumer credit reports are factually inaccurate, materially misleading, incomplete, and unverifiable. Despite their legal obligation, the furnishers have failed to provide competent, original, and legally admissible documentation proving that these alleged delinquencies are accurate and valid.

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