vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 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: Chime Financial Inc
State: NC

Complaint narrative:
XX/XX/XXXX through XX/XX/XXXX XXXX dollars were fraudulently taken from my account and i only got XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I visited the branch to inquire about the possibility of refinancing my auto loan. My intent was solely to review potential rates, monthly payments, and revised payoff dates. After discussing the options, I determined that refinancing was not in my best interest and did not authorize any changes to my loan. On the evening of XX/XX/XXXX, while reconciling my bank accounts, I discovered that my auto loan had been improperly paid off. I had not signed any documents authorizing a refinance or payoff, which the institution later confirmed. I was informed that an internal error within their ticketing process resulted in the refinance being processed without my signature or approval. This unauthorized action has caused significant inconvenience and has created an imbalance across my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
I am filing this complaint regarding a disputed charge of {$160.00} from XXXX XXXX XXXX on my XXXX credit card. The charge resulted from a vehicle boot removal in my apartment buildings residential garage. The enforcement notice and release form both indicate that the sole violation was XXXX XXXX. However, I did have a valid parking permit at the time my vehicle was booted. I had already completed the required vehicle registration when I signed the parking addendum as part of my lease on XX/XX/year>, and I have not changed vehicles since that time. My garage access also remained active through both the buildings mobile app and my physical garage fob. Because the management team uses an internal permit system that residents can not access or view, and residents rely on the buildings application for all access throughout the property, the only confirmation available to me that my vehicle was properly registered was that my garage access continued to function normally, which it did at the time my vehicle was booted. At no point prior to the enforcement action was I notified that my vehicle lacked a permit or that any additional registration step was required. The first indication of any issue was when my vehicle was booted. I disputed this charge with XXXX and submitted supporting documentation including the boot notice, release form, and lease parking addendum. Despite providing this information, the dispute was denied. I attempted to obtain clarification and request reconsideration by contacting XXXX customer support multiple times. I called XXXX three separate times and also sent an email to the dispute team providing additional information and documentation. However, the support line would not transfer me to the dispute team or to a manager. I was repeatedly told that the dispute team would email me back, but I have not received any response for over XXXX weeks. Because the cited violation was specifically XXXX XXXX, and I had already registered my vehicle and had an active permit at the time the vehicle was booted, I believe the enforcement action resulted from an internal permit registration mismatch within the propertys system rather than any failure on my part to comply with parking requirements. I am requesting that XXXX reevaluate this dispute and conduct a proper review of the documentation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
XXXX payment was due on the XXXX I told them I was going to pay my XXXX and XX/XX/year> payment on XX/XX/XXXX they agreed to waive my late charge. I made the payment but they misapplied my payment never waived the late charge and never applied my payment to XXXX. I have been getting the run around from their office shore team and when someone from their corporate team calls me they tell me they will call back and I never hear from them again. I would like assistance on getting this resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MN

Complaint narrative:
XX/XX/year> I got a message saying they were cash out to press something and I did. Next thing you know money started missing out of my bank account. I reported automatically that it was fraud that it was not me and I thought it was Cash out. I filed a dispute the first dispute was denied I filed another dispute as an appeal it was denied. I filed a dispute again today XX/XX/year>. They still refuse to give me my money so I filed a police report and I also filed a civil suit against cash app for pain and suffering and for identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
b'Company: Wells Fargo Bank, N.A.\nRelated Business: XXXX XXXX XXXXnAccount NumberXXXX XXXX XXXX XXXX XXXX\nIssue: Deceptive advertising/marketing and lack of clear disclosure regarding deferred interest.\n\n\nI am filing this complaint against Wells Fargo Bank regarding a furniture financing agreement through XXXX XXXX XXXX At the point of sale, I was led to believe this was a "no interest" promotion for 12 months. I was never verbally informed by the XXXX XXXX representative that this was a "Deferred Interest" plan, where interest would be back-billed to the original purchase date if not paid in full by the expiration date.\nI have been a diligent customer and have never missed a payment on this account. Despite my perfect payment history, I was blindsided by an interest charge of XXXX\n\nI contacted Wells Fargo on XXXX XXXX XXXX XXXX XXXX XXXX and spoke with a representative named "Ren" for 37 minutes and 29 seconds XXXX. During this call, the representative acknowledged the issue and offered to remove the interest, but only on the condition that the full remaining balance be paid immediately. This "all or nothing" demand is not feasible and does not address the underlying lack of transparency during the sales process. The case has allegedly been escalated to the "Executive Office."\n\nLegal Violations & Basis:\n\nNevada Deceptive Trade Practices Act (XXXX XXXX: The failure to clearly disclose the "deferred" nature of the interest at the point of sale constitutes a misleading representation of the benefits and characteristics of the credit agreement.\n\nTruth in Lending Act (TILA) / Regulation Z: I contend that the "Minimum Payment" requested on my monthly statements was not calculated to satisfy the balance before the promotional expiry, a common "trap" in deferred interest schemes that lacks "clear and conspicuous" disclosure.\n\nUnfair, Deceptive, or Abusive Acts or Practices (UDAAP): Under the Consumer Financial Protection Act, it is "abusive" to take advantage of a consumer\'s lack of understanding regarding the material costs of a product. Conditioning a waiver on a "pay in full" demandafter admitting the interest can be waivedis an unfair practice.'

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 2026-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was paid off by the insurance and Gap insurance, company reports a balance due on vehicle/ on credit for XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INCXXXX ALABAMA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-03-16 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: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year> I called Paypal. A representative confirmed the activity and advised me exactly how to submit the dispute. I have been waiting since that day they filed the disputes I have received a call from PayPal on XX/XX/XXXX stating I would have an update and resolution of my money back on Friday XX/XX/XXXX. I received no update and now they are claiming they have no update from XXXX I just have to wait. According to their team they have no timeframe they are obligated to complete this process. I just have to wait. I have an 18 month old daughter that needs food, bills that need to be paid etc. I am begging for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: MS

Complaint narrative:
I was struggling to make the payments on time. But I have recently paid the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: FL

Complaint narrative:
I am filing this complaint against Bank of America for mishandling my credit card billing dispute regarding a XXXX purchase for {$580.00}. I purchased XXXX tickets to the XXXX XXXX at XXXX XXXX XXXX XXXX on XX/XX/year> for XX/XX/year>. On XX/XX/year>, my XXXX flight to XXXX XXXX was canceled and there were no viable alternative flights, so I could not travel to the event. More than XXXX hours before the event, I contacted XXXX and requested a refund. XXXX did not tell me that I needed to contact the event organizer directly before the event. Instead, I was told my request would be escalated and I would hear back in XXXX to XXXX business days. After I received no response, I contacted XXXX again and was told the same thing. It was not until XX/XX/year>, after the event had already passed, that XXXX emailed me saying the event organizer would not authorize a refund and gave me the organizers phone number. When I then contacted XXXX XXXX XXXX XXXX Guest Relations, I was told that because the event had already passed, I was no longer eligible for a courtesy refund. I disputed the charge with Bank of America. Bank of America denied my claim, stating that the purchase was not eligible for a refund under the merchants policy. However, that misses the core issue. My dispute was not simply that XXXX had a no-refund policy. My dispute was that I requested relief before the event, XXXX delayed and failed to give me the necessary information in time, and that delay caused me to lose the opportunity to seek a courtesy refund directly from the event organizer. Bank of America also relied on XXXX assertion that the tickets were accessed, but accessing tickets in an account is not proof that the event was attended. XXXX did not provide proof that the tickets were scanned for entry or that I attended the show. In fact, XXXX own packet shows a device location in Idaho, while the event was in New York, which does not establish attendance. I am asking Bank of America to reopen and fairly reinvestigate this billing dispute as a dispute concerning services not rendered / merchant failure to properly process my timely pre-event request, rather than treating it as a simple no-refund-policy matter. Bank of America failed to address the actual dispute issue and instead accepted the merchants policy language without addressing whether the merchants delay caused the loss of my refund opportunity

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 2026-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: IL

Complaint narrative:
To Whom It May Concern, I am requesting a federal review of my FHA mortgage servicing and the recent denial of my loss mitigation request with company XXXX XXXX a division of Midfirst Bank. My mortgage for my primary property was originated in XX/XX/XXXX. During the course of homeownership, my household experienced financial hardship which affected our ability to remain fully current on the loan. During this time, we communicated with our servicer and attempted to work through available assistance options in good faith. During prior assistance efforts, we were placed on a trial repayment plan. However, during this period the monthly mortgage obligation increased rather than decreased. This increase placed additional financial strain on our household and contributed to us falling further behind despite our attempts to remain compliant with the plan terms. In early XXXX, we submitted a request for mortgage assistance and loss mitigation review. On XX/XX/XXXX, we received a Loss Mitigation Review Determination Summary indicating that our request for repayment plans, forbearance, and modification options had been denied. The stated reasons included that the loan had exceeded the limit for defaulted trial plans and that the hardship was considered resolved. While our hardship has now been resolved and both borrowers are currently employed full time, the previous payment increases and trial plan structure contributed significantly to our current delinquency. Our household income is now stable and we have the ability and commitment to maintain the mortgage payment moving forward. Because of this, we are respectfully requesting a manual FHA loss mitigation review in accordance with HUD guidelines. We believe the prior decision may not fully reflect our current financial ability to maintain the mortgage payment and resolve the delinquency. This home is our primary residence, and we are working in good faith to retain our property and bring the loan back into good standing. We respectfully request reconsideration of available FHA retention options. Thank you for your time and consideration.

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 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
Paypal permanently closed my account and told me I had to wait up to 180 days to access my funds. I was using Paypal as a bank account, I had direct deposit set up and everything. They offered this service and promoted it. Now I can't do anything with my account at all. I asked for a reason and they said they could not tell me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed several accounts that appear on my Equifax credit report which I believe are inaccurate or unverifiable. These items continue to remain on my report despite my disputes. The following accounts are currently in dispute on my Equifax credit report : Accounts in Dispute XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX Balance {$22000.00} XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX Balance {$920.00} XXXX XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX Balance {$600.00} XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX Balance {$930.00} XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX Balance {$11000.00} I am requesting that Equifax conduct a proper investigation and provide documentation showing how these accounts were verified. If the information can not be verified through the original creditor, it should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, con tract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 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:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My husband passed. I now have no income coming in ( thank-you Trump ) . To collect my husband 's social security, I must see them or talk to them first. But the first open appointment is in XXXX- until then ( if not after ) no money coming. I called the mortgage company to see if I could defer the next few months- they said NO -- to do this they said I must be behind in my payments. So they want it be able to be put on my credit report and make me look like I don't care and don't pay my bills. I was trying to avoid all this and call them and let them know what was going on, but that didn't work out so well. You try to do right and they won't let you!!!!!

Company response to consumer: Closed with explanation