vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I have fraudulent activity on my credit report i'do n't recognize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I disputed an alleged debt with Southwest Credit Systems appearing on XXXX Credit Report. Despite the account being disputed, Southwest Credit Systems transferred or sold the account to XXXX XXXX XXXX XXXX without resolving the dispute. Southwest Credit Systems was asked to validate the debt and did not provide me with the requested information. Both Southwest Credit Systems and XXXX XXXX XXXX XXXX are now reporting the same alleged debt on my credit reports. However, the accounts are being reported with different original balances and different Dates of First Delinquency ( DOFD ). Reporting the same debt with conflicting balances and delinquency dates indicates that inaccurate information is being furnished to the credit bureaus and raises concerns about potential re-aging of the account. Please investigate and please encourage debt collector to remove unverifiable reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I made a XXXX payment ( entire statement balance ). On XX/XX/XXXX, there system had no acknowledgement of the payment. It still showed that the payment was due. In the meantime, I made a minimum payment of {$30.00} to keep my account from being past due in hopes of them reconciliation for the {$72.00} that I paid on XX/XX/XXXX. I checked the account again on XX/XX/XXXX, it is still telling me that a payment is due as of XX/XX/XXXX. The payment usually post in real time. I received a message stating that this it will take up to 90 days to resolve despite me showing proof of both payments. I called, but the representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I ordered a product online, but I never received it. I was sent a junk product instead of the advertised product. The merchant is clearly running a scam. In fact, the product advertisement is no longer even available on the platform through the link I used to order it. I filed a dispute, as well as an appeal, with American Express, and they refuse to support me and instead are ruling in favor of the criminal running the online scam. In what world does a credit card company support criminals and steal from their customers? American Express support has declined to an appalling level.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I told the phone was free without any stipulations or contract agreement and was told the call was recorded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Company is trying to claim that I owe a debt that belongs to a business account. This collection account does not belong to me personally. The alleged debt belongs to an LLC business entity. I never signed a personal guarantee and am not personally liable. Please investigate and remove this inaccurate account from my personal credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I was gotten deposit of amount {$10000.00} to my open bank and the Openbank block my account immediately the transaction was ( XXXX ) going to 8 month now my money is on hold and my Openbank account have been block for 8 months until now nothing come up from them Anytime I call them they told me they dont have anything to do with my money for 8 months until

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 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I received no letters in the mail from XXXX XXXX ( XXXX ) and have proof I forwarded my mail to my new address last summer. I only found out about a lawsuit from XXXX through a defense lawyer offering consumer debt lawsuit defense services in a mailed advertisement. XX/XX/XXXX and XX/XX/2026 : Emailed XXXX requesting a call back to my ph # due to multiple failed attempts trying to reach them where they would not answer the phone. I requested their internal file # to try settling debt online but nobody called me back, nobody provided the XXXX internal file #. I explained to them how sick I am ( too sick to go to court ), how financially stressed & struggling I am now that I am having a baby/not going back to work until my baby is school aged XXXX yrs from now, how I intend to file for bankruptcy but was still trying to explore debt settlement with them. They were unwilling to provide me info verifying debt and allowing me to pay it before suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
i entered into a consumer credit transaction and later found out it was fraudulent. On XX/XX/XXXX of XXXX i was approved for credit finance at XXXX XXXX for a new XXXX XXXX. In the amount of {$38000.00}, amount financed. This was done using my Social Security Number without my consent. The Finance charge was {$8700.00}. The Federal Truth and Lending Disclosure was included in the retail instalment sale contract not the bill of sale. It clearly states that I may buy the Vehicle with " cash or credit '' not both. regardless of the car being completely financed except for the Finance Charge. A down payment was made necessary by the dealer and they would not continue unless a cash payment ws made on the spot. {$15000.00} was paid. That covered the Finance charge that was left and some. But somehow XXXX XXXX tricked us and heisted my identity and contracted a Third-party by the name of XXXX XXXX XXXX XXXX He now has us tied down to yet another contract with this Third-party. All this was done without my consent. For a car that's sticker price was {$38000.00} blew up into a {$62000.00} life sentence. This was achieved thru the manipulation of electronic signatures

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: Block, Inc.
State: AL

Complaint narrative:
I am formally rejecting Cash Apps response to this complaint because their explanation does not address the core issue of unauthorized account takeover and unauthorized electronic fund transfers. On XX/XX/year>, at approximately XXXX XXXX, my Cash App account was accessed by an unauthorized individual. This person removed my phone number and email address from my account and replaced them with information that did not belong to me. These changes clearly demonstrate that my account was taken over without my authorization. After gaining control of my account, the unauthorized individual initiated transactions that withdrew {$1800.00} from my linked bank account and transferred those funds through Cash App to accounts overseas. These transactions were not initiated, authorized, or approved by me in any form. I reported the incident immediately after discovering the fraud and provided Cash App with all requested documentation, including evidence that my account information had been altered and a police report documenting the criminal activity. Despite this evidence of account takeover fraud, Cash App only refunded {$200.00} and refused to reimburse the remaining {$1600.00}. Cash Apps response fails to explain how an unauthorized person was able to access my account, remove my contact information, and initiate withdrawals from my linked bank account without triggering adequate security protections. Under the Electronic Fund Transfer Act, consumers are protected from unauthorized electronic transfers resulting from account compromise or account takeover. These transactions occurred only because my account was compromised, and therefore they qualify as unauthorized electronic fund transfers. Because of this, Cash Apps refusal to reimburse the remaining {$1600.00} is inconsistent with the protections provided to consumers under federal law. I am requesting that this complaint remain open and that Cash App be required to reopen the investigation and provide a full reimbursement of the remaining {$1600.00} that was fraudulently taken from my account. If this matter is not resolved, I intend to pursue all available remedies, including filing additional regulatory complaints and pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: NV

Complaint narrative:
I have a checking account with XXXX XXXX XXXX XXXX through the XXXX XXXX card. I was getting my paycheck direct deposited to this account every other week. So I got paid on XX/XX/year>. On the morning of XX/XX/year>, I was at work. I checked my bank account and noticed a pending charge from XXXX XXXX for {$180.00}. I knew right away that it was a fraudulent and unauthorized transaction. How could I have done this transaction when at the time it occurred, I was working. In XXXX mind you and the charge came from a XXXX XXXX store that was a XXXX XXXX XXXX from where I was. I locked my debit card right away. A little over an hour later, there was another pending charge from a different XXXX XXXX store for {$280.00}. How could this have happened again? Especially when I locked my debit card right away. So I disputed the charges right away on XX/XX/year>. I also filed a police report in which I provided to them. As well as receipts from both best buys and proof from my employer that I was at work that day. I had called and emailed these people countless times. I was never able to get any help, let alone a response. I also got no provisional credit. Finally on XX/XX/year> I got an email from XXXX. They told me my dispute was denied, because they said the transaction occurred from my mobile device.They told me that they got this information from XXXX XXXX ( the merchant ). There is no way that is at all possible. I did not authorize these transactions and I was nowhere near either of these stores when these transactions occurred. I requested for them to give me the written information as to why they denied my claim. As well as proof that they actually tried to obtain that information from the merchant. I proceeded to call the merchant. They told me that my case had been closed but that they did not follow up with me about anything. They also never spoke to or heard anything from XXXXXXXX XXXX XXXX XXXX. I know they are trying to scam me because they refused to provide me with any proof of their findings. Also by XXXX XXXX 's response. They did not reach out to them for any information either. I submitted all of my evidence to XXXX including my police report, the receipts from XXXX XXXX, and proof from my employer that I was at work that day. There should have been no reason that they did not give me my money back. I believe they are illegally withholding my money that is owed back to me. I would appreciate it very much if I could get some help with this. I am a single mom of XXXX children and it was close to {$500.00} taken from me. That is alot of money for me and I really need it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/year>, I reached out to what I believed to be a legitimate appliance store called XXXX XXXX XXXX XXXX XXXX to purchase a refrigerator. They quoted me the price of {$750.00} for the refrigerator and told me to use the pay anyone feature on Chime using the cash tag $ XXXX and send the payment in XXXX increments ; XXXX in the amount of {$250.00} and XXXX in the amount of {$500.00}. After sending the payment, the business told me that I would be receiving my receipt and an email from their shipping company the following day and was told that my refrigerator would be delivered after XXXXXXXX XXXX. on XX/XX/year>. The next morning, I hadnt received any email from their shipping company so I reached out to them to see what was going on. When I did, I received the email demanding an additional {$400.00} for delivery fees. After receiving this, I reached out to XXXX XXXX XXXX and indicated I did not believe they were a legitimate business anymore and asked to pick up my refrigerator, to which they ignored my message. I then contacted Chime to dispute these XXXX transactions and advised them that they were fraudulent transactions and I never received my product. On XX/XX/year> I received an email from Chime support denying my disputes stating that there was no error that occurred during the transaction process and that I would not be receiving my money back. Later that day, I contacted chime support and asked them to provide me with the documentation they used to make their determination. I received their documentation on XX/XX/year> and the only XXXX things that were included in this documentation was the dispute intake form, the picture evidence I submitted of messages between me and XXXX XXXX XXXX, and a copy of my bank statement. This payment was authorized but made due to fraudulent misrepresentation in a XXXX XXXX transaction. I am requesting that Chime reconsider my dispute and conduct a proper investigation into this fraudulent transaction. I am also requesting that Chime explain how it determined that no error occurred despite the payment being induced by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Subject : Complaint Against JPMorgan Chase for Blocking Accounts, Denying Access, and Charging Fees on an Inaccessible Credit Card I am filing this complaint against JPMorgan Chase regarding my Chase credit card and JPMorgan Chase checking accounts. I moved to XXXX for work. During a trip to XXXX, I used my Chase credit card for ordinary travel-related spending. After that, Chase apparently flagged the activity as suspicious and blocked not only my credit card, but also my checking accounts. As a result, I lost access to my accounts, my online banking, and my card. Since then, I have called Chase customer service multiple times in an effort to verify my identity, restore access, and resolve the issue. Despite these repeated attempts, Chase has not provided an effective solution. I remain locked out of my accounts. What is even more troubling is that Chase has continued charging approximately {$300.00} per month on my Freedom credit card ( see the attached screenshot! ), even though the card is blocked and I can not access the account online or use the card. Because I have been denied access, I can not properly review, dispute, or manage these charges. This situation is unacceptable and has caused significant financial harm and distress. I believe Chase has failed to provide adequate customer support, failed to restore legitimate account access after repeated contact, and allowed ongoing charges to accumulate on an account that I can not access or control. I am requesting that CFPB require JPMorgan Chase to : Immediately restore my access to my checking and credit card accounts, or provide a clear and workable process for doing so. Investigate the recurring monthly charges of approximately {$300.00} on my Freedom credit card. Reverse any improper fees or charges assessed while I was locked out of my accounts. Provide a full explanation of why my accounts were blocked and why the issue was not resolved after multiple customer service calls. Ensure that this matter is handled promptly by someone with authority to fix it. Chase may contact me at the email address I provide in this complaint. If this matter is not resolved promptly, I will pursue all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
An overnight check was sent to Santander Consumer on XX/XX/XXXX with the amount of XXXX for the lease buyout. Santander Consumer only acknowledged receipt on XX/XX/XXXX in their portal. However, I still show as past due for a payment due on XX/XX/XXXX and account hasnt been closed and lien hasnt been lifted. When calling Santander, nobody knows whats going on and I get different info every time. At this point Im at a loss. Almost XXXX was paid and Santander simply wont release the car or update my account and I risk getting reported as delinquent even though Im not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
The mortgage account reported by Planet Home Lending is inaccurately reporting a XXXX late payment for XXXX 2026. I made multiple attempts to make my payment, but the lender was experiencing servicing and system transition issues that prevented them from properly accepting the payment when I attempted to pay. During a recorded phone call, their representative informed me that my account would not be reported to the credit bureaus unless it reached 60 days past due. Despite this representation, the account was reported as 30 days late after only 30 days. This reporting does not accurately reflect the circumstances and has unfairly damaged my credit score. I am requesting that the XXXX late payment for XX/XX/year>2026 be investigated and removed or corrected, as the reporting occurred earlier than what was communicated by the lender and while I was actively attempting to make the payment. In addition, I previously tried to authorize another person to make a payment on my behalf. I was instructed by a representative to write a signed authorization on paper including my name, account information, and the name of the person I wanted to authorize, and then email it to their information email address. I followed these instructions and sent the email as requested. However, when I called later to follow up, the representatives stated that they never received my email. This delayed the process for about two weeks. As of today, they still claim they never received the authorization email, which significantly delayed my ability to resolve the payment and the account issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
Complaint Description : I am filing a dispute regarding multiple transactions on my credit card that were either lost or incorrectly resolved. The transactions are as follows : XXXX XXXX, XXXX XXXX XXXXXX/XX/2026 {$97.00} ( Lost ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2026 {$100.00} ( Lost ) XXXX XXXX, XXXXXXXX XXXX XXXXXX/XX/2026 {$150.00} ( Lost ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2026 {$32.00} ( Lost ) I previously submitted disputes for these transactions, but they were denied or marked as lost. I request a full investigation and reversal of the disputed charges. Desired Resolution : I am requesting that my bank re-review the disputed transactions and credit my account for the lost or incorrect charges. Resolution Deadline : XX/XX/2026 Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
My wife and I have a Bank of America Visa credit card. I set up an automatic payment to the card some time ago. Since the end of XXXX I have attempted to increase the payment amount. I want to double the monthly payment. Bank of America has made and change to the automatic payment virtually impossible. First, I have called customer service and I am told that the change can only be made on the mobile app. I can not make the change on the phone or by logging into my account online. To make the experience completely insane, I have spent hours on the mobile app. There is no option to make a change to the automatic payment or they have made it so disguised that I can not find it. Customer service provides instructions that do help. The irrationality of this situation has led me to believe Bank of America doesnt want me to pay in an automated way.

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