vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding how they handled a disputed charge on my account. When I noticed the charge processing, I contacted Synchrony immediately to have it blocked. I was told they would not act on a pending transaction and that I would need to wait until it posted to file a dispute. I followed that instruction. Once the charge posted, I contacted Synchrony again and filed a dispute. But by following their own guidance, I lost the opportunity to prevent the charge from settling which was my original and timely request. This constitutes an unfair act or practice under 12 U.S.C. 5531. Synchronys policy of refusing to intervene on pending transactions while directing customers to wait causes unavoidable consumer harm - the very window to prevent the charge closes as a direct result of following the banks instruction. The dispute process, initiated only after the charge posts, is not an equivalent remedy. I am requesting that the CFPB review Synchronys handling of this matter and their pending transaction policy. Account : XXXX XXXX Charge amount : {$7200.00} Merchant : XXXX XXXX Date I first contacted Synchrony : XX/XX/XXXX Date charge posted : XX/XX/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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CUSTOMERS BANCORP, INC
State: PA

Complaint narrative:
On XX/XX/year> I applied for and was approved for a new savings account at XXXX. I authorized an ACH transfer from Customers Bank to XXXX in the amount of {$50000.00}. The {$50000.00} was removed from my Customers Bank account on XX/XX/XXXX. XXXX never credited the amount to my new account. Neither bank is taking responsibility for the missing money. I need my money now!

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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/year>, my vehicle, a XXXX XXXX, was repossessed by a company called XXXX XXXX XXXX contracted by Chase. At the time of repossession, the parking brake was engaged. After retrieving the vehicle, I observed significant damage that was not present prior to the repossession. The rear tires show severe friction damage, gouging, and jarring consistent with the vehicle being moved or dragged while the parking brake was engaged. I have photographic documentation of this damage, including visible drag marks in the driveway and tire tread damage verified using the XXXX test. In addition to the exterior damage, a camera that had been securely mounted in the rear seating area was dislodged, further indicating that the vehicle experienced excessive force or improper handling during the repossession. I contacted the repossession company and spoke directly with a representative, XXXX XXXX, on XX/XX/year>. During that conversation, he stated that if improper procedures had occurred, the company would take accountability and make it right. He also stated that he would provide video documentation of the repossession. I requested his email address multiple times during that conversation, and he declined to provide it. I later located an email address for the company and was told by him that it was no longer valid. However, when I followed up with another employee at the company, I was informed that the email address I had found is in fact their correct customer support email, and that my information had been forwarded to him. Since that time, I have made multiple follow-up attempts. I have checked my email daily and have received no video documentation and no response from the repossession company. I also contacted Chase regarding this issue. Chase declined to assist and directed me back to the repossession company, despite the repossession company acting on their behalf. Because this is an all-wheel-drive vehicle, the damage requires replacement of all XXXX tires and a diagnostic inspection to prevent further mechanical damage. I am requesting that Chase take responsibility for the actions of its contracted agent and reimburse the documented damages totaling {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
am filing a complaint against Capital One regarding the denial of my billing dispute due to timing, where the delay was directly caused by the banks own instructions. On XX/XX/year>, I made a purchase from The XXXX XXXX using my Capital One XXXX XXXX XXXX Mastercard ending in XXXX. The item was marked delivered on XX/XX/year>, but it was stolen before I received it. I filed a police report immediately. After discovering the loss, I contacted Capital One for guidance. I was explicitly instructed to file a claim through Mastercard purchase protection benefits rather than initiating a billing dispute. I followed this instruction in good faith. The benefits claim process required multiple communications and took significant time. The claim was ultimately denied due to a business-use exclusion. After the denial, I returned to Capital One on XX/XX/year>, to initiate a billing dispute under Case Number XXXX At that point, Capital XXXX denied my dispute solely because it was outside the XXXX window. The issue is that I lost my dispute rights because I followed Capital Ones instructions. Had I been properly advised to open a billing dispute initially ( or at the same time ), I would have been within the required timeframe. This is not a standard late dispute. This is a case of bank-directed delay. I relied on issuer guidance to my detriment, resulting in loss of federally protected billing dispute rights under the Fair Credit Billing Act. Requested Resolution : I am requesting that Capital One : Grant a manual exception and reopen the dispute Process the claim under merchandise not received Conduct a full investigation using my supporting documentation Review and correct internal practices that lead customers to lose dispute rights due to incorrect guidance Supporting Documents Available : Police report Mastercard benefits claim records Timeline of communications with Capital One This situation represents unfair treatment and improper denial of consumer protections caused by issuer-directed actions. I request regulatory review and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson capital stat I found this in my account but do not recognize it and I filed a police report as identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Toyota Financial Services regarding a refinance payoff check sent by XXXX XXXX XXXX XXXX. I was informed that the check had been located but was missing identifying information. During that call, I provided the VIN/account details, and the representative confirmed they would coordinate with the cashiering department to apply the payment. I followed up again around XX/XX/year>, and was again told that the check had been received and would be applied to my account. However, on XX/XX/year>, I was informed that the check had instead been returned to XXXX XXXX XXXX XXXX without any prior notification to me. As a result, my loan payoff amount has increased due to additional accrued interest during the delay. I made multiple efforts to ensure the payment was properly applied and relied on the information provided by Toyota Financial representatives. The failure to process the check after confirming receipt, along with the lack of communication about its return, has caused financial harm. I am requesting : 1. A full explanation of why the check was returned after being confirmed as received and pending application. 2. An adjustment or reimbursement of the additional interest and any related charges incurred due to this delay. 3. Confirmation of steps being taken to prevent further delays in processing my payoff. I have attempted to resolve this directly with Toyota Financial Services but have been unable to obtain consistent information or timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: GA

Complaint narrative:
Subject : Correction Regarding Complaint ID XXXX I Am the Consumer Thank you for your message. I am writing to clarify that I am the consumer and the account holder associated with this complaint. No third party, representative, or outside individual is involved in submitting or managing this complaint. I filed it personally and directly. The companys statement that it does not recognize someone listed in the complaint as their customer or authorized representative is incorrect. There is no third party listed, and no one other than myself has been referenced or included. I am the person experiencing the issue and requesting a response. Because this is a direct consumer complaint, the companys refusal to respond on the grounds of privacy misapplies the rule and appears to be an attempt to avoid addressing the substance of the dispute. I respectfully request that the CFPB : Return the complaint to the company for a proper response. Note that I am the consumer, and Require the company to address the dispute on its merits, including the mishandling of my credit card dispute and the failure to provide required written updates. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
My bank account with USAA was closed suddenly. I am traveling and they kept flagging my transactions and finally closed the account without warning leaving me in a terrible situation without access to my funds while in a foreign country. I would lie them to wire my balance to my other bank 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 2026-04-01 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:
Hello, I am requesting a formal reconsideration of the prior determination regarding my fraud claim. Since your review, I have obtained and clarified additional information that was not previously available. Specifically, there is evidence supporting unauthorized access to my accounts and devices, including the likely compromise of a personal device that had access to my financial applications and credentials. Additionally, other financial institutions reviewing related activity have determined that similar transactions were unauthorized and have issued credits accordingly. This demonstrates a consistent pattern of unauthorized access that was not fully understood at the time of your initial review. Given this new information, I am requesting that SoFi reopen and reevaluate my claim under Regulation E as an unauthorized electronic funds transfer matter. Please confirm receipt of this request and advise on next steps and timeline for review. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Revco Management, LLC
State: MI

Complaint narrative:
I was under XXXX XXXX XXXX and still on my father 's insurance through his job until I turned XXXX and now XXXX XXXX keeps trying to sue me and garnish my state taxes for medical bills when I've always provided the information for my medical insurance and I felt like my father 's insurance through his job was never billed and that they've failed to do that, because why are they coming at me for something that was back in XXXX for XXXX different months within that same year and then hired an ohio attorney which makes no sense because their aren't any XXXX hospitals in XXXX ohio or even in ohio in XXXX which is what I was told by a XXXX representative myself and now I'm receiving for medical debt paperwork from XXXX when yet again I've been on my fathers medical insurance through his job and the hospital would normally tell me if they couldn't bill my insurance and they never did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I had a credit card through XXXX XXXX Indigo and I was having issues paying on time because the due date was 2 days before I was getting paid. I called multiple times to get the due date changed and I was tired of paying my monthly payments with late fees so I canceled the card. I was unaware that the next 2 months they were still wanting me to pay every month after I canceled so when I went in to pay off the card completely I saw they had 2 late payments on my history. They reported to all 3 bureaus. I have been trying to get into a house the last XXXX months and these 2 late payments are the only thing keeping me from qualifying for an FHA loan XXXX Ive been through 2 different credit builders, ive sent a goodwill letter, ive called them and asked them to remove the late payments, especially after I paid off the card 2 months after I canceled it. And they refused to remove it. I have even disputed this issue through each of the bureaus. I need help getting these late payments removed from my credit reports so that i can finally qualify for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Long story Disputed a charge in XXXX. B of A has bounced the dispute all over, hours on hold no resolution. Have been told by numerous representatives to pay the balance off and they will refund if dispute is settled in my favor. They have reported negative credit reports, demanded payment, and assessed late fees on a disputed amount.

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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: OK

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I have called daily to inquire about my SSD deposit. I have yet to receive notification indicating the deposit was in my account. this morning I was informed that the deposit was made XX/XX/XXXX after XXXX and that shortly after that several ATM transactions were made in XXXX XXXX leaving my with - {$290.00}. I stayed I live in XXXX and how is that possible because if XXXX en leave town to use my card out of town my card locks and I have to contact netspend to varify that I made the transaction in order for my card to be unlocked to use again .. the worker hung up on me.. I have attempted to call back several times today and after a long wait as soon as I address what I was told tha. t worker hangs up on me. I'm 100 % XXXX this is the only income I have and netspend has been who I have used since XXXX are not able to explain where my deposit is and refuse to help me

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 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a XXXX XXXX XXXX XXXX related to the TransUnion and Equifax data breaches, and after reviewing my credit report, I have identified fraudulent items that do not belong to me. These inaccuracies are negatively affecting my ability to obtain credit and are causing defamation of my character. Under the Fair Credit Reporting Act ( FCRA ), including my rights under Sections 605B and 611, I request that all fraudulent accounts and inquiries be promptly investigated, blocked, and removed from my credit report within four ( 4 ) business days. Please inform me if any additional documentation is required to expedite this process.

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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am submitting this complaint due to ongoing confusion and lack of communication regarding my Truist credit card account. In XX/XX/year>, I discovered that my credit card was no longer working when a payment attempt was declined. When I contacted Truist, I was informed that my account had been closed. This was unexpected, as my account still showed as active on my end, and I had not received any prior notice that the account would be closed. I escalated the issue to a supervisor, who advised that he would submit a request to have the account reinstated through a third-party process. However, I never received any follow-up or confirmation regarding the status of that request. Due to being told the account was closed, I did not make payments from XXXX through XX/XX/year>, as I believed the account was no longer active. Recently, I attempted to follow up with the assigned representative ( XXXX XXXX, but I have been unable to reach her despite multiple attempts. On XXXX XXXX I contacted Truist again after receiving a call related to the account. During that call, a representative informed me that my account is active and proceeded to order a replacement credit card for me. I was also able to make a payment on the account the same day. This situation is extremely concerning and confusing. I was previously told my account was closed, yet I am now being told it is active and being issued a new card, with no clear explanation of what happened in between. As a result of this lack of communication : I did not make payments for several months based on the information provided to me I have experienced significant stress and anxiety trying to understand my account status I am concerned about potential negative credit reporting caused by this situation I am requesting the following : 1. A clear written explanation of my account status, including whether and when it was closed and/or reinstated 2. Confirmation of whether any late payments were reported to the credit bureaus from XXXX XXXX 3. Removal of any late fees, penalties, or negative credit reporting resulting from being incorrectly informed that my account was closed 4. Direct communication from a knowledgeable representative to fully explain this situation I have made a good faith effort to resolve this directly with Truist but have not received consistent or accurate information.

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 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am reporting an issue with federal income tax withholding associated with a XXXX Form XXXX issued by Mr. Cooper XXXX XXXX The IRS has confirmed that the withholding amount is reflected under my SSN on my 2024 Wage and Income Transcript. However, the IRS can not match the withholding to the companys EIN to complete the audit trail, and therefore is not applying the credit. I submitted both the original and corrected Form 1099-B ( the corrected version was issued following IRS guidance ). I also requested verification from the company, including confirmation that the withholding was deposited with the IRS, deposit method, trace information, and Form 945 reporting under their EIN. This information has not been provided. Because the withholding is already present in IRS records under my SSN, this appears to be a payment application or reporting mismatch between the companys EIN and IRS systems. As a result, I am unable to receive proper credit for taxes withheld on my behalf. I am requesting that the company provide verification of the withholding deposit and reporting ( including Form 945 and deposit trace details ), or otherwise correct any reporting issues so the IRS can properly match and apply the withholding.

Company response to consumer: Closed with explanation