vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Mastercard ending XXXX I am submitting this complaint regarding unauthorized fraudulent transactions that occurred on two Barclays credit card accounts issued in my name. These transactions were not authorized by me and were the result of fraud. Despite reporting the matter, Barclays has failed to properly resolve the issue and continues to hold me responsible for balances related to these fraudulent charges. Barclays responded to my prior complaint stating that certain credits were applied. However, the balances remain on the accounts and I am still being held responsible for charges related to the fraudulent activity. This violates my rights under the Truth in Lending Act and Regulation Z, which limit cardholder liability for unauthorized transactions. The following transactions were fraudulent and were not authorized by me. Account ending XXXX XX/XX/XXXX XXXXMerchant : XXXX XXXX XXXX XXXX : XXXX USD XX/XX/XXXX XXXXMerchant : XXXX XXXX XXXX XXXXAmount : XXXX USD XX/XX/XXXX XXXXMerchant : XXXX XXXX XXXX XXXX XXXXAmount : XXXX USD XX/XX/XXXX XXXXMerchant : XXXX XXXX XXXX XXXX XXXXAmount : XXXX USD XX/XX/XXXX XXXXMerchant : XXXX XXXX XXXXAmount : XXXX USD Total unauthorized charges on this account : XXXX USD Account ending XXXX XX/XX/XXXX XXXXMerchant : XXXX XXXX XXXX XXXX XXXXAmount : XXXX USD XX/XX/XXXX XXXXMerchant : XXXX XXXX XXXX XXXX XXXXAmount : XXXX USD XX/XX/XXXX XXXXMerchant : XXXX XXXX XXXX XXXX XXXXAmount : XXXX USD Total unauthorized charges on this account : XXXX USD Total fraudulent charges across both accounts : XXXX USD These transactions occurred with merchants located outside the United States and were clearly inconsistent with my normal purchasing behavior. I did not authorize these transactions, did not receive any goods or services related to these charges, and immediately reported the issue when I became aware of it. Despite this, Barclays has continued to maintain balances on these accounts and has failed to fully remove the fraudulent charges and associated fees. Their response indicates that some credits were applied, but the accounts still show outstanding balances and interest related to these transactions. Under federal law, cardholders are not responsible for unauthorized credit card transactions. Barclays has an obligation to properly investigate and correct these errors

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 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I am filing this complaint against Affirm , Inc. for mishandling an unauthorized account and loan opened through identity theft/fraud, and for conducting an unreasonable investigation and denial of my dispute. On or around early XXXX, an unauthorized Affirm account was created in my name, resulting in a loan for a XXXX international flight booking ( reference XXXX, Booking # XXXX, booked XX/XX/XXXX ). I did not create this account, authorize the loan, or benefit from it. I have no passport, no ability or intent to travel internationally due to permanent medical XXXX ( severe untreated XXXXXXXX XXXXXXXX with XXXX elevation, XXXX XXXX levels frequently undetectable or XXXX XXXXXXXX XXXX for 11+ months, causing profound weakness, XXXX pain, multiple XXXX, and restricted mobility ). The charge date conflicts with my documented routine ( vet visit that day, VA mental health appointment the next ). I first disputed this as unauthorized via Affirm 's support. They initially flagged suspected unauthorized activity ( email from XXXX XXXX, XX/XX/XXXX ), paused credit furnishing, and escalated. However, after review, they denied my claim ( email from Account Safety Team, XX/XX/XXXX, case ID XXXX ) and held me responsible, citing : Matching personal info ( name/email/phone ). Identical IP/devices/patterns to alleged " previous loans '' ( I have no authorized prior Affirm loans ). Delayed notification ( impossible for an unknown account ). Vague " online evidence '' of possession/use. Possible household/associate involvement. No signs of takeover. These reasons are inaccurate or impossible given the facts. IP can be spoofed/proxied ; no prior loans exist ; no possession occurred ( flight cancelled, refund processing to Affirm per XXXX confirmation attached ) ; medical evidence proves travel impossible. I provided substantial evidence, including : Bank XXXX XXXX XXXX XXXX XXXX ) provisional credit letter for the {$150.00} related Affirm charge ( disputed as unauthorized, XX/XX/XXXX ). XXXX cancellation/refund confirmation ( refundable amount {$1200.00} back to Affirm ). Timeline of events ( discovery, conflicting appointments ). Phone attempts to resolve ( 20+ minutes bounced between departments, reps rude/condescending, read denial email verbatim without addressing evidence or questions ). Despite this, Affirm refused to reopen meaningfully, disclose their full evidence ( e.g., " previous loans '' details ), or reverse. Their handling has caused significant stress and harm : ongoing harassment ( texts/calls ), fear of credit damage/collections during my medical crisis ( delayed access to critical medication XXXX due to credit issues from this ), exacerbated anxiety/mental health ( VA appointments ), and wasted time/effort I can not afford as a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MA

Complaint narrative:
I am submitting a complaint regarding the handling of my federal student loans by my loan servicer, MOHELA, and the resulting loss of qualifying credit toward the Public Service Loan Forgiveness program. I am a XXXX XXXX working in an XXXX XXXX and have worked continuously in qualifying public service employment for years, including throughout the XXXX pandemic. I rely on the PSLF program administered by the U.S. Department of Education. My Direct Consolidation Loan entered repayment in late XXXX. Based on my repayment history and continuous qualifying employment beginning in XXXX, I should currently have approximately XXXX qualifying months toward PSLF. However, my loan servicer currently reports only 57 qualifying payments. Beginning around XX/XX/XXXX, nearly every month of my payment history has been marked Ineligible in my PSLF payment tracker. These months include XX/XX/XXXX through at least XX/XX/XXXX. These months were excluded due to administrative disruptions related to litigation affecting the Saving on a Valuable Education ( SAVE ) plan and other income-driven repayment plans. As a result of these disruptions, my loans were placed into statuses that prevented qualifying PSLF credit even though I continued working in qualifying public service and remained willing to make qualifying payments. This has caused significant harm because it effectively delays my eligibility for PSLF by approximately two years, despite my continued public service employment. The litigation affecting the SAVE plan was dismissed by the XXXX XXXX XXXX for the XXXX XXXX XXXX Missouri on XX/XX/XXXX in State of Missouri XXXX XXXX. The court determined that there was no longer a live case or controversy and declined to vacate the SAVE rule. Despite this development, my loan account has not been corrected and the months improperly marked Ineligible remain excluded from my PSLF payment count. Borrowers should not lose years of qualifying credit because of administrative disruptions outside their control. I am requesting that : My PSLF qualifying payment count be reviewed and corrected. The months beginning in XX/XX/XXXX that were improperly marked Ineligible be credited toward PSLF. My account be adjusted so that administrative actions by the servicer or Department of Education do not erase qualifying public service credit. If necessary, I be allowed to retroactively make qualifying payments for the affected months so they count toward PSLF. I am requesting a full review of my loan account and correction of the PSLF payment count.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
What Happened? The Full Nightmare ( XX/XX/XXXX Now ) XX/XX/XXXX The Hack : XXXX actor XXXX XXXX XXXX ) mirrored my phone/emails, stole $ XXXX from $ XXXX via unauthorized XXXX withdrawals + XXXX gaming disputes ( XXXX XXXXXXXX XXXX XXXX services not provided ). Account drained overnightno alerts, no holds. XXXX XXXX XXXX Dispute XXXX Begins : Filed disputes ( # XXXX, later # XXXX ). Cash Apps rep circus : XXXX ( # XXXX ) : Final denialLIE. Later admitted wrong via appeal. XXXX XXXX : Reviewed appeals, payment soonhung up on me XXXX when pressed. XXXX ( XX/XX/XXXX ) : Quick look gather details stalls chat closures abusive language flag when I cited facts appeal submitted ( 10-day clock ). Pattern : One rep promises payout ( funds releasing ), next denies ( can not identify ), laughing have a good evening! as I begged. Transfers endless, demands repeat. Partial Wins Expose Lies : XX/XX/XXXX : {$1600.00} partials to debit * XXXX denied XXXX claims funded. XX/XX/XXXX : Two more refunds ( ~ $ XXXX ). XX/XX/XXXX ( yesterday ) : {$98.00} on final denied claimproves fraud liability. Their CFPB Dodges ( 2 Complaints Ignored ) : 1. CFPB # XXXX ( XX/XX/XXXX ) : XXXX ledger, no credits. 2. CFPB # XXXX ( XX/XX/XXXX XX/XX/XXXX response ) : Can not identify transactions POST-PARTIALSdemanded basics already given. Contact support loop. 5 Months of Abuse : Hung up repeatedly when recording activated. Mocked desperation ( good evening! giggles ). Closed account mid-disputeno notice ( EFTA illegal ). XXXX chats : Abuse-flagged frustration after their lies exposed. Catastrophic Damages : Legal Violations : Reg E ( 12 CFR 1005.11 ) : No 10-day provisional credits for unauthorized EFTs ( BTC/gaming ) mandatory. EFTA : Illegal mid-dispute closure, no notice. CFPA/FCRA : Deceptive reps, fake investigations. Iowa law : Unfair practices ( # XXXX cross-filed ). Cash Apps $ XXXX CFPB Fine ( XXXX ) proves systemic fraud failuresmy case identical. Fair Resolution DEMANDED NOW 1. Immediate $ XXXX provisional credits ( spendable ) partials prove owed. 2. Full ledger dump + account reopen within 48 hours. 3. XXXX XXXX XXXX XXXX consent order. 4. Compensatory damages for eviction/power/car/kids harm. 5. Rep disciplineXXXX transcripts as evidence . Attachments ( XXXX ) : Hack proofs, all chats/recordings ( laughs/lies/hang-ups ), partial refunds, policy screenshots ( 10-day rule ), hardship docs, prior CFPB responses. This isnt supportits criminal obstruction. 2 complaints + partials = they KNOW. My kids freeze while reps laugh. Enforce Reg E TODAYIowa father demands justice. XXXX XXXX XXXX, IA # XXXX / # XXXX / Cash App # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I look at XXXX XXXX and saw this debt on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Somebody opened a XXXX XXXX XXXX ( Walmart/Synchrony Bank ) . All unauthorized. The individual charged {$800.00} to the card before it even showed up to my address. Its effecting my credit score. I have called Synchrony bank and got no where. How is this even allowed? Where is the compliance on both Walmart and Synchrony bank?

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 2026-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
They chime closed my XXXX XXXX account. And told me I am not eligible to receive the {$2200.00} dollars they transferred from my checking two days prior. This is my money was just deposited from XXXX on XX/XX/XXXX and stolen by chime on XX/XX/year> with no resolution in site.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I discovered a debt on my account that I did not authorize. This debt appears to be the result of fraud. I did not open this account, make any charges, or consent to any transactions associated with it. Once I became aware of the issue, I contacted the company to dispute the debt and requested verification. Despite this, the debt is still being reported. I am requesting that this fraudulent debt be investigated, removed, and corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MD

Complaint narrative:
On XX/XX/year>, I walked into Ace Cash Express at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX within the mid afternoon hours, simply to cash payroll checks. I was asked if I would like to sign up for a XXXX Account. I very clearly refused any type of account creation. Afterwards, I was bombarded with 5 minutes worth of personal questions and requests for sensitive information via written form before she scanned and verified my checks, took check depositing fees ( including a new account creation fee and a fee to deposit the money directly to my debit card instead of cash ), and before I left, I was handed a temporary card because ACE wants me to check out their services and itll expire in a few weeks. Instead, I got a finalized permanent card in the mail recently. I feel taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Goal Structured Solutions, LLC
State: GA

Complaint narrative:
I do not recognize the loan borrower and i dont know how the got my personal information to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fairway Independent Mortgage Corporation
State: KS

Complaint narrative:
I am filing this complaint regarding improper handling of my escrow account, failure to properly process flood insurance renewal, and the resulting force-placed insurance that increased my mortgage payment from {$1100.00} to {$1300.00} per month. I am a responsible borrower who pays my mortgage on time every month. I work 7 days a week, 12-hour shifts year-round, and have never missed a payment. This payment increase was not due to nonpayment on my part. My previous flood insurance policy was through XXXX XXXX. I was recently informed that the mortgagee address listed on that policy was incorrect ( XXXXXXXX XXXX XXXX XXXX XXXX ). I later learned the correct mortgagee clause for my loan servicer is : XXXX XXXX, acting on behalf of Fairway XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX Because the incorrect address was on file, renewal billing was not properly directed to the servicer. The policy was then marked inactive for non-payment. I was unaware that the mortgagee address was incorrect and had no reason to believe renewal would not occur, as flood policies are typically renewed through escrow when the lender has accurate information. My servicer then placed lender-placed flood insurance on my account, significantly increasing my escrow projection and monthly mortgage payment. When I reviewed my escrow disclosure, it shows that no flood insurance disbursement was made because the actual balance was almost double the projected balance. This raises serious concern that escrow funds allocated for flood insurance were not properly disbursed and may still be held. Additionally : I was never informed that the mortgagee address on file was incorrect. I was never told that escrow funds were not being disbursed. I am now being charged for lender-placed insurance despite securing replacement coverage through XXXX XXXX XXXX effective XX/XX/XXXX. I have been given conflicting explanations by the servicers customer service and insurance departments. I have mailed a formal Notice of Error under RESPA to the servicer disputing : The escrow shortage calculation The placement of lender-placed flood insurance Failure to properly disburse escrow funds Failure to prevent lapse due to incorrect mortgagee information I am requesting : Immediate cancellation of any lender-placed flood insurance Refund of any overlapping or improperly charged premiums Full accounting of escrow funds for the past 24 months Correction of escrow analysis and restoration of my appropriate monthly payment Written confirmation of findings I should not be penalized with a nearly XXXX XXXX monthly increase due to servicing errors and incorrect mortgagee information beyond my knowledge or control. I am requesting formal investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: LA

Complaint narrative:
Can not use card online and customer service was very rude and hung up on me. And also having trouble speaking with customer service keep getting XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I received full custody of my son in XXXXXXXX XXXX XXXXXXXX and my case was officially closed by the courts. XXXXXXXX XXXX XXXX did not stop reporting to the credit bureau until XX/XX/XXXX and put a collection on my credit report before doing so. I reported the mishap to the 3 credit bureaus and Experian is the only one refusing to remove this from my profile. I disputed this issue 3 time with Experian and they are still refusing to remove it from my profile. I was advised to bring the matter up with the CFPB in hopes of getting this resolved so they can clear the way for me to start the process of purchasing a new home. I can provide copies of my closer summary from XXXX child support. XXXX stated they do not have the ability to remove this from my credit and said they can provide a XXXX XXXX Account Resolution Notice which is also attached.

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 2026-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I have a Credit Karma save account. My tax refund check was deposited into this account XX/XX/XXXX. I attempted to transfer the funds to my external bank account and could not. I called and was told that my account was locked due to a security check. My personal information was verified multiple times and approved. In the beginning I was told they could not tell me why there was a security check. I was then told that it was because I updated my information. I was told the only option was to wait it out or get a check which would take 10 days. I decided to wait. A couple of days later I called back to check and was told by one person there was no security check and that my account wasn't locked. The person transferred me to a specialist who told me there was a security check. After going back and forth for so long I finally asked could I get the check in the mail. They transferred me to someone else. I waited and the phone finally hung up. I have sent multiple chat requests, emails, and phone calls regarding getting a check in the mail. I sent a chat request to close the account since there was no security check and they told me I had to do it by email and someone would message me. No email. By the 12th time of me calling, I told them I just wanted to close out my account. The person told me to hold on and ended up hanging up the phone. I checked my account again and they had frozen my account. I reached out again tonight XX/XX/XXXX and was told by a phone rep that I needed to submit my ID and selfie a third time. I did so. He said it failed and hung up. I decided to send a chat to support. XXXX XXXX told me that they were reviewing my account and needed more time to verify my identity and that there was no time frame of when the process would be done. This is the only money I have a d I need it. My license expired on my bday XX/XX/XXXX. I'm not able to do anything without these funds. I just want my money.

Company response to consumer: Closed with monetary relief