vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint regarding the closure of my Cash App account without a clear or specific explanation. I received a message stating that my account was in violation of the Terms of Service and/or Acceptable Use Policy, but no details were provided about what activity caused this decision. I have used my account for legitimate personal transactions and was not given an opportunity to correct or dispute any alleged issue prior to closure. I am requesting : 1. A clear explanation of the specific reason my account was closed 2. A review of the decision to determine if it was made in error This lack of transparency has caused inconvenience and concern, and I would like this matter properly reviewed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I am being harrassed. There are only supposed to be XXXX calls allowed within 7 days -- I am getting that many in a single day. I have been called a XXXX and everything else under the sun. I am losing my patience and am going to say something XXXX back evenutally

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX and Equifax violated my rights as aconsumer under XXXX XXXX XXXX and I need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove employers ; spa at XXXX resort, Date of birth XXXX, crdt account XXXX date ; XXXX XXXX, XXXX XXXX account XXXX date ; XXXX XXXX XXXX, XXXX XXXX account XXXX date ; XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I can't use this card to make purchases. My credit limit was decreased by {$170.00}. I being vitimized through this companies illegal activity. My credit limit is supposed to be {$300.00}, which is in no way surprising. I filed a dispute against XXXX for theft, for which it is culpable for. Capital One bank provided a supposed temporary credit and after several weeks then surprisingly resolved the dispute in my favor. I have yet to receive the credit to my account. My actual credit limit is therefore only {$120.00}. As a result I've been unable to use the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I paid this loan off in 2022 and they took advantage of me for years to the point im willing to sue its been 6 years since i got this loan and i paid them the payoff then they added {$460.00} on top of that after i paid them for a pay to delete

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I request a complete written breakdown of the remaining balance of {$2000.00}, following the application of GAP insurance payments to my auto loan with Santander Consumer USA and the dealership. Furthermore, I request that Santander provide copies of all documents related to the loan, including the retail installment contract, account history, payoff calculations, and any records demonstrating how the remaining balance was determined, to verify whether any hidden fees or unfair clauses were included in that information. I have called multiple timescalls are recordedto request a detailed breakdown, but they declined, stating it's privileged information between the GAP insurance provider and themselves. Despite these calls, I have not received a detailed explanation. Please conduct a thorough investigation and provide a transparent justification for the {$2000.00}. If said amount can not be justified, I request that the balance be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
This account was settled XX/XX/year> Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have a pending lawsuit against USAA for homeowner insurance bad faith. Because I was fixed to take legal action to access my policy, they have escalated their level of intentional harm. I can not do anything other than pay bills in my app. I can not even help my kids manage their accts we hold with USAA and have to call in. Furthermore, their attorney for our civil matter keeps posting my full account numbers to public record. The attorney and Usaa refuse to respond and abide by Texas rules of civil procedure regarding sensitive data a remove or redact the filings. There is no way for me to notify the court and the rules of civil procedure say it is the responsibility and duty of the filing party to redact the files and notify the court documents contain sensitive data. Once again, USAA causing intentional harm and a XXXX dollar company targeting those that cant even afford to buy milk.

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 2026-04-11 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: AR

Complaint narrative:
I am submitting this response to formally and aggressively dispute your false and unsupported claim that my previous request was not submitted by me. This assertion is inaccurate, negligent, and appears to be an intentional tactic to avoid your legal obligations. This dispute was filed directly by me, the consumer, and not by any third party. I am not working with any credit repair organization, credit counseling agency, or outside company of any kind. Your repeated use of a generic, scripted responsewithout conducting an actual investigationconstitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : - Conduct a reasonable investigation of all disputed information - Review all relevant evidence I submit - Provide the method of verification, including : 1. The name and contact information of the furnisher 2. The method used to verify the disputed information 3. Copies of all documents relied upon Your continued refusal to process my dispute, despite receiving proper documentation, is not only unlawfulit demonstrates clear negligence, bad faith, and repeated non-compliance with federal consumer protection statutes. To eliminate any excuse for your failures, I have provided full identity verification, including my government-issued ID and proof of address. You now have no legitimate or lawful reason to deny or dismiss my dispute. Your repeated closures of my disputes with identical, copy-and-paste language is unacceptable, unlawful, and a direct violation of your duties under federal law.

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 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
* * Supplemental Complaint XXXX JPMorgan Chase Bank, N.A. * * Dear Consumer Financial Protection Bureau, I am submitting this supplemental complaint against JPMorgan Chase Bank, N.A., regarding its retaliatory and obstructive actions after I filed CFPB complaint number * * XXXX * *. After I submitted my complaint, Chase closed my personal and business accounts and completely blocked my access to them. Since that time, I have been denied access not only to my accounts but also to my money, account records, and dispute-related information. Chases actions have caused severe financial hardship, disrupted my business operations, interfered with my ability to pay suppliers, and damaged my ability to manage urgent financial matters. Most concerning, Chase has continued to prevent me from accessing the very account information and documents I need in order to review transactions and respond to issues on my accounts. I requested copies of my bank statements multiple times, but Chase denied those requests and instructed me to go to a local branch. When I went in person to the Chase XXXX * * XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX * *, the staff refused to help me, denied my request forstatements, and told me to leave without providing the records. In addition, Chase has restricted my ability to access dispute information or upload the paperwork they have asked me to provide. This has placed me in an impossible and unfair position : Chase is demanding documentation from me while simultaneously blocking my access to the accounts and records necessary to respond. This conduct is unreasonable, prejudicial, and appears designed to obstruct my ability to protect my rights and resolve the issues on my accounts. Chases conduct raises serious concerns regarding unfair treatment, denial of access to account records, interference with my banking relationship, and possible retaliation following the filing of a consumer protection complaint. Preventing a customer from accessing funds, account statements, and dispute channels while refusing meaningful assistance is unacceptable and has caused substantial financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I recently purchased a new car and the dealership used Ally Auto to apply for a loan. However, I discovered that another bank offered me a better APR. Consequently, that bank issued me a check to pay off the loan with Ally. I promptly sent the check to Ally, but they returned it, stating that I was {$2.00} short of the full loan balance. Typically, I would receive an email or an account update indicating that I needed to pay the loan in full before the title could be issued to the new bank. Instead, Ally declined the check without providing any update to me. I had to make multiple phone calls to them to understand why the check was rejected. Their unprofessional behavior and unwillingness to assist were frustrating. They repeatedly told me that I didnt have enough money to pay off the loan. I explained that this wasnt my first time paying off a loan and that I genuinely wanted to know why they refused to accept the check and apply it to my account. I offered to pay the difference. However, the amount kept increasing by {$6.00} each day. Ally confirmed that since the loan draft must be the exact amount, they would return the check even if it exceeded the outstanding balance, as it wasnt the full exact payoff amount. I found this explanation absurd and unrealistic. I pointed out that there was a reason for the 10-14 day payoff period because its impossible to predict when a company will deposit funds into an account. I emphasized that I would never be able to time the deposit to ensure the exact amount upon arrival. My bank, which holds the loan now, found this situation unprecedented and has decided to cease working with Ally Auto due to this incident. This has caused unnecessary XXXX and confusion for everyone involved. I couldnt obtain another check because the bank required the returned check before issuing a new one or converting it to a cashiers check. We waited 17 days for the check to be returned, but it still hasnt arrived. As a result of this ordeal, I had to cancel the loan and reapply for a new one. My bank, concerned about this happening again, granted me a direct deposit exemption, allowing them to deposit the loan proceeds directly into my checking account, eliminating the need for me to deal with Ally Auto. Throughout my life, Ive bought and paid off numerous cars, and Ive never encountered such a ridiculous situation with Ally Auto in XXXX and XXXX of XXXX. Ive also never filed a complaint like this, but I felt compelled to do so to prevent others from experiencing the same issues.

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 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
On XX/XX/year>, Goldman Sachs denied my application for an Apple credit card, stating, You have applied a number of times and we can not verify the information you have provided at this time. OK, lets fix that. What information needs to be verified, and what documents do you want from me that will work as verification?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
My account with Chime was closed on XX/XX/XXXX. After closure, I was issued a check on XX/XX/XXXX in the amount of {$2100.00}. I was unable to deposit that check, and I contacted Chime to request a reissue of my funds. Since then, I have been repeatedly told that a new check would be issued and that I needed to wait approximately 30 days. However, over the past several months, I have received multiple conflicting updates, including different reissue dates and statements that the check was reissued, canceled, and reissued again. As of XX/XX/XXXX, I have not received my funds. Each time I contact support, I am asked to verify my information again and then given new delays without resolution. I have followed all instructions provided to me, but my money has still not been returned. This situation has gone on for over three months without resolution. I am requesting immediate return of my {$2100.00} and a clear explanation of why this delay has continued despite multiple promises of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Due to the illegal reassertion of an eight-year-old debt, the company is making it seem newer, and thats illegal. ARBITRATION AGAINST XXXX ASKING FOR ACTUAL DAMAGES, STATUTORY AND PUNITIVE DAMAGES IN THE AMOUNT OF {$50000.00}. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO C 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . Double reporting = violation-demand deletion under 15 USC 1681! XXXX has failed to investigate this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Did a XXXXefi w/Freedom Mortgage. 1st payment was due XX/XX/XXXX. Was making my payments online before refi. Have not been able to access my mortgage account online since refi, repeated calls to Freedom have not resolved this. Decided to make phone payment XXXX. $ $ did not come out of my bank account for several days so I called Freedom, they said I entered bank info incorrectly on automated system, they removed late charge then I made payment on phone w/rep. I get a letter on XX/XX/XXXX saying I still need to make payment because I told XXXX wrong bank info. $ $ STILL not coming out of account so I called back, made a video of call on XXXX of me making phone payment w/Freedom rep, video proves ALL bank info was correct, $ $ hasn't cleared account yet. XXXX now shows late payment, score dropped from XXXX to XXXX! My wife & I are XXXX, Freedom acts like they are trying to foreclose and steal our house.

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 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Dear XXXX XXXX, And CFPB Team I am writing to formally complain about my dispute. XXXX customer support denied my dispute bcz my I have open Dispute delay.and account not takeover. I want to clearly state that the transactions made via XXXX were unauthorized. I was a victim of a scam where my card details were compromised. On XX/XX/XXXX, I became a victim of a romance scam after interacting with an individual on a dating platform. During the interaction, I was asked to make a payment through a provided link. Although I attempted to make a payment, it did not go through successfully.then the XXXX ask me may be I don't have balance on my XXXX.I then told him the account balance, This is the reason for account balance compromis Later that same day, multiple transactions were processed from my XXXX debit card without my knowledge or authorization through XXXX or XXXX. I did not authorize these transactions, I do not have an account with XXXX payment account, and no one in my household is associated with these charges. I believe my debit card information was compromised through fraud. When I contacted the individual involved, they denied responsibility and subsequently blocked me and deleted all communication. Due to lack of awareness of my consumer rights, I did not immediately report these transactions. However, under Electronic Fund Transfer Act Regulation E, unauthorized electronic fund transfers include transactions made without the consumers authority, especially when access credentials are obtained fraudulently. I contacted XXXX to dispute these transactions, but my dispute was denied due to the delay in reporting. Why now asked XXXX dispute it .I didn't know about the dispute before, but few days ago my XXXX told me to do all this. Unauthorized transaction datils {$100.00} Transaction XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX Total {$550.00} please refund my money, My XXXX account details XXXX name : XXXX XXXX XXXX mail XXXX XXXX XXXX Compromised XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I affirm the following : I did NOT authorize this transaction. I do NOT have any account or relationship with XXXX I do NOT use any services associated with this merchant. This transaction is a clear case of unauthorized card-not-present fraud using stolen debit card credentials. I respectfully request that XXXX : Conduct a thorough investigation into these unauthorized transactions Please Provide a full refund of {$550.00} Supply any documentation used in their investigation and decision I am a victim of fraud and did not authorize these transactions in any way. My final demand : open my Dispute again and refund my dollar I don't have XXXX payment or any XXXX payment relation. Refund my money or I'll filed a case on small Claim cort.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My mother passed away in XX/XX/XXXX. Her only assets were bank accounts and the balances passed directly through named beneficiaries. Because she hed no assets that did not pass directly through named beneficiaries she had no probate estate. While she was living I had her power of attorney and her bills and other financial information were delivered to my home. At the beginning of XX/XX/XXXX I unexpectedly received a refund check from XXXX XXXX XXXX for an overpayment of her account of {$350.00} ( she died at the end of XXXX and she was billed for XXXX so this was a refund for that period ). The check was made out to the " XXXX of XXXX XXXX. '' On XX/XX/XXXX I went to the Bank of America XXXX at XXXX XXXX XXXX. As permitted by the Virginia Small Estate Act ( section 64.2-600 ) I requested that the check be honored and deposited into my account. Although not required by the law in light of the small size of the check ( VA XXXX XXXX ) I also had prepared a Virginia Small Estate Act Affidavit identifying myself as the heir and had a copy of her death certificate. VA section 64.2-601 provides that when presented with that affidavit the bank SHALL honor the payment -- it is mandatory language. In violation of state law, Bank of America refused to honor the check from XXXX XXXX. Bank of America has provided NO other mechanism for me as the heir to receive those funds. The intent of the VA law is to enable heirs to access inherited funds where there are insufficient assets to create an estate. Bank of America claimed that they were not authorized to release the funds. That is false. VA section 64.2-603 provides that when the bank pays or delivers a small asset under 64.2-601 or 64.2-602, the institution is " dischrage and released '' from any liability and the bank is not required to see the application of the small asset or to inquire into the truth of any statement in the affidavit. VA section 64.2-603 also provides that the failure of the bank to pay the funds after proper application under the VA Small Estate Act permits me to seek damages for Bank of America 's willful violation. Incredibly, the Bank of America representative told me that I would have to " elevate '' this issue to my XXXX XXXX XXXXXXXX XXXX. Of course, 99.9 % of Bank of America customers do not have a XXXX XXXX XXXX XXXX. If this is their excuse for not following the law, then this is why the CFPB exists. Banks, epecially one as large as Bank of America, should train their employees to follow the law. I asked to speak to the branch manager but the representative I talked to refused to allow me to do so.

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