vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX has balance chased my Lowes credit card despite perfect payments XXXX XXXX has closed without warning my Care Credit card I which i use at least once a year for XXXX care despite a perfect payment history XXXX XXXX has refused to raise the limit on my Amazon card dispite a perfect payemeny history and average XXXX score which is within norms for their general client base I strongly belive they are being knowingly predatory causeing deliberate harm to my credit score to limit my ability to seek new credit or credit under better terms synchronicity bank lowers a credit limit or closes an account. my total available credit falls. my credit utilization ratio rises, despite my debt staying the same. Their credit score declines. Future applications for loans or credit cards may be approved at less favorable terms, or not approved at all. Additonally beinging forced to reapply causes harm to my credit score, changes the credit history average length ( harmful ) and probably causes any new credit to be offered at a higher more profitable rate In this sense, i am experiencing real financial harm despite not having missed payments. XXXX XXXX is knowingly and purposefully doing this for that express reason under the guise of a false risk managment

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 2026-05-31 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: MD

Complaint narrative:
I purchased a XXXX from XXXX using my PayPal card. Back in XXXX of XXXX. When I received the product I found it was damaged. I contacted PayPal I asked them what to do they told me to contact the seller. I did I arranged to return the ebike which I did. I returned it on XX/XX/year>. With the Tracking Reference # XXXX XXXX GROUND CARRIER WEIGHT XXXX . I also sent PayPal all my paper proving that I returned this XXXX for over a year. And this matter is steak not straighten out. I also mailed them paperwork and emailed them paperwork. PayPal sent me a letter recently saying they were going to give me credit for the returned damaged XXXX. But then want to start charging me late fees and interest rates. It's no other products I purchased for them to charge me for.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I deposited two checks from XXXX XXXX XXXX XXXX into my TD Bank account : 1. Check # XXXX for {$2300.00} 2. Check # XXXX for {$3400.00} Total : {$5700.00} On XX/XX/year>, TD Bank called the issuer to verify check # XXXX. Due to a duplicate check number in the issuer 's other XXXX XXXX account, TD Bank incorrectly flagged my deposit as fraud and closed my account. XXXX XXXX confirms both checks were " Paid '' and funds left the issuer 's account on XX/XX/year> at XXXX XXXX. On XX/XX/year>, TD Bank told me they " do not have the funds '' and the checks came from an " invalid account. '' TD instructed that XXXX XXXX must call TD Bank at XXXX and ask for XXXX Department to trace the funds. TD Bank has provided no return code, no Federal Reserve trace number, and no explanation of where the {$5700.00} went after XXXX XXXX paid it. If TD rejected the checks, they must have returned the funds to XXXX XXXX. If they did not return them, they are holding my money with no legal basis. I want TD Bank to : 1. Provide the return codes and dates for both checks # XXXX and # XXXX 2. Provide Federal Reserve trace numbers showing where funds were sent 3. If funds were not returned to XXXX XXXX, release the {$5700.00} to me immediately 4. Explain why my account was closed due to TD 's own verification error

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: TX

Complaint narrative:
I signed up with XXXX XXXX to get XXXX but they went out of business and coud n't continue my treatment and complete the procedure. They sold the debt to TekCollect. I don't owe them because they could not finish the treatment. They have placed collections on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: Tilt Finance, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I was XXXX charged in the amount of {$160.00}. The company was very responsive and issued the refund the same day, but the credit card company will not refund my money. I have emailed them XXXX times, beginning on XX/XX/XXXX ( the charge was Pending for XXXX days ), I tried to resolve the issue through their Chat. I called them on XX/XX/XXXX, the person I spoke to said she couldnt help me, she transferred me and I got a voicemail. I left a message and to this day, nobody has returned my call. I spoke with someone at the company on XX/XX/XXXX who told me he couldnt help me, I had to be sent an email and respond to their questions that way, which I did and still have not received my refund. In the XXXX emails I sent, the only actual response I received was this morning and they told me they were going to end the conversation bc I said Return my XXXX call! I did not use foul language until my XXXX email, second phone call, an Instant Message to their XXXX, and XXXX attempts with their XXXX option. Yes, I am beyond frustrated and I said a bad word. I do apologize for that, however, I am still VERY VERY angry that this situation has not been resolved in a week. The company is unresponsive and will not refund the money they owe me. The company is Tilt by XXXX, their under XXXX bank. I have contacted them as well. All I have ever received from them are blanket responses and XXXX surveys, XXXX of which didnt even work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tilt Finance, Inc.
State: MI

Complaint narrative:
Monthly fees being taken from my bank account in the amount of {$8.00} per month for XXXX months or more

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Global Tel*Link Corporation
State: NJ

Complaint narrative:
I am filing a complaint against XXXX regarding the unjustified blocking of my account. My account has been blocked for more than a week without a clear explanation, and I have not been able to send money through your system. I have tried to contact customer service several times, but I have not received an adequate solution or a reasonable explanation as to why my account was restricted. This situation has caused significant stress and inconvenience, especially since the funds are intended to keep an imprisoned person who depends on these deposits. I believe that the company has not provided adequate customer service, transparency and timely resolution regarding access to my account and financial transactions. I respectfully request that XXXX : XXXX Review and immediately restore access to my account. XXXX. Provide a written explanation for the account restriction. XXXX. Make sure that customers are informed quickly and fairly when accounts are blocked. I also request that this complaint be formally investigated due to the prolonged restriction and lack of effective assistance provided by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I reject TrueAccords response as unsatisfactory. I contacted TrueAccord requesting hardship assistance and a pause in collection activity. Despite my request, TrueAccord processed a {$10.00} withdrawal from my savings account. At the time of the withdrawal, there were insufficient funds available. As a direct result of TrueAccords withdrawal, my bank charged a {$25.00} NSF/overdraft fee. This caused my account balance to become negative, resulting in a total loss of {$35.00} ( {$10.00} withdrawal plus a {$25.00} overdraft fee ). I provided documentation and screenshots showing the withdrawal and overdraft fee. TrueAccord requested supporting documentation, and I supplied the requested evidence. However, more than a month has passed, and I have still not been reimbursed for the money lost due to this transaction. The financial harm extended beyond the initial overdraft. The negative balance and account issues resulting from this transaction ultimately contributed to the closure of my savings account. This caused additional hardship and inconvenience. TrueAccord acknowledged my hardship request and stated that collection activity had been paused, yet the withdrawal was still processed. Their response does not adequately explain why the payment occurred after I requested assistance, nor does it address the damages that followed. I am requesting : Reimbursement of the full {$35.00} loss caused by this transaction. Forgiveness and cancellation of the remaining alleged debt balance. Written confirmation that the account has a XXXX balance and that no further collection efforts will occur. A written explanation of why the withdrawal was processed after I requested hardship assistance and collection activity was reportedly paused. I do not consider this matter resolved. TrueAccord has had more than a month to reimburse me after receiving the requested documentation and has failed to do so. Their response does not adequately address the financial harm their actions caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/year>, I attempted to have funds transferred into my account at XXXX. Despite a notarized statement issued by the bank explicitly confirming that the funds had already been released and were in transit, the bank subsequently refused to release or credit the funds to my account without providing any valid reason or legal justification. This refusal was arbitrary and without reasonable cause. As a direct and proximate result of the bank 's actions, I was unable to access the funds needed to purchase essential prescription medication for my XXXX, who suffers from XXXX. The delay in obtaining her medication caused a severe exacerbation of her condition, ultimately resulting in her XXXX. The bank 's failure to honor its own notarized confirmation of released funds has caused significant financial harm, emotional distress, and serious medical consequences to my family. I request a full investigation into this matter and appropriate relief.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: LA

Complaint narrative:
First, congratulations to U.S. Bank for adopting passkey authentication as a step toward modern hardware-backed authentication. However, my experience with the implementation raises concerns regarding how passkey authentication is actually being recognized and trusted within the banks login workflow. For several years, I have used XXXX credential-management and passkey-related authentication capabilities through XXXX and my XXXX XXXX. XXXX XXXX laptops have long supported XXXX XXXX, XXXX XXXX, XXXX, and hardware-backed platform authentication standards. In practical use, the browser and operating system already recognize and securely manage authentication credentials associated with the banks website. Despite this, the banks authentication process has repeatedly continued to require additional verification codes and legacy secondary-verification steps even after the browser/platform authentication layer successfully recognizes the stored credential state. More recently, U.S. Bank added visible XXXX passkey functionality to its login workflow. However, the implementation still appears heavily centered around secondary-device mediation such as phones, tablets, or external security keys instead of fully trusting mature laptop-based platform authenticators already built into modern systems such as XXXX XXXX devices. Additionally, the workflow messaging itself appears contradictory. The browser ecosystem recognizes and manages the credential relationship, yet the website behavior often still falls back into repeated code-verification flows and legacy authentication logic. This creates the appearance of passkey modernization while preserving much of the same legacy authentication behavior underneath. A properly implemented passkey workflow should reduce unnecessary secondary verification behavior and should fully recognize mature platform authenticators already securely integrated into modern computing devices.

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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: CA

Complaint narrative:
I am filing this complaint against Unifin , Inc. for continuing debt collection activity after receiving my timely written dispute and failing to provide any validation of the alleged debt. On or about XX/XX/year>, Unifin mailed me a debt collection notice regarding an alleged consumer debt originally associated with XXXX XXXX and allegedly owned by XXXX XXXX XXXX XXXX XXXX. The alleged balance was approximately {$940.00} under reference number XXXX. Unifins own collection notice specifically stated that if I disputed the debt by XX/XX/year>, collection activity would cease until verification of the debt was provided. I timely exercised my rights under the Fair Debt Collection Practices Act. On XX/XX/year>, I mailed a written dispute and request for validation to Unifin via XXXX Mail. XXXX records confirm that Unifin received and signed for my dispute letter on XX/XX/year>. Despite receiving my timely written dispute, Unifin has completely failed to provide any validation or verification whatsoever of the alleged debt. Instead, the company has continued collection activity by sending collection text messages to my cellular telephone after receipt of my dispute letter, including a collection text dated XX/XX/year> referencing the same account. This conduct directly contradicts the representations made in Unifins own written notice and appears to violate the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g ( b ), which requires debt collectors to cease collection activity after receiving a timely written dispute until verification is mailed to the consumer. I dispute this alleged debt in its entirety. Because Unifin has failed to validate the alleged debt and nevertheless continued collection activity, I am demanding : XXXX. Immediate cessation of all collection activity ; XXXX. Immediate deletion of any credit reporting or account information related to this disputed and unvalidated debt ; XXXX. Written confirmation that the account has been closed and deleted from all consumer reporting agencies ; XXXX. A full investigation into Unifins collection practices and compliance with federal law. I possess copies of : Unifins original collection letter ; my written dispute letter dated XX/XX/year> ; XXXX XXXX Mail records ; proof of delivery signed by Unifin on XX/XX/year> ; and screenshots of continued collection text messages sent after receipt of my dispute. I request immediate regulatory review and enforcement action regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: FL

Complaint narrative:
I submitted a Dispute XX/XX/year> @ XXXX XXXX and submitted the following request. To Whom It May Concern : I am formally disputing the validity, accuracy, and enforceability of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I do not acknowledge responsibility for this alleged debt. I request full validation and verification of the account, including but not limited to : The original signed contract or agreement bearing my signature. The complete payment history and itemized accounting of the alleged balance. The name and address of the original creditor. Documentation proving your legal authority to collect this debt. Proof that the debt was lawfully assigned or transferred to your company. Copies of any judgments, agreements, or supporting documents related to this account. Under federal law, you are required to cease collection activity until proper validation has been provided. Additionally, I dispute any reporting of this account to any consumer reporting agencies. If this account has been reported to any credit bureau, I demand that the account be marked as DISPUTED immediately pursuant to the FCRA. Fraud Statement I further state that I believe this account may be the result of fraud, identity theft, unauthorized use, inaccurate reporting, or clerical error. I did not authorize any fraudulent activity associated with this account. If your office continues collection activity without providing competent evidence validating this debt, such conduct may constitute violations of federal consumer protection laws, including but not limited to : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) Identity Theft and Assumption Deterrence Act You are hereby notified that I request : Immediate investigation of this matter. Immediate cessation of collection calls and harassment. Verification of all information being reported. Removal of inaccurate or unverifiable information from my consumer reports. If you can not fully validate this alleged debt, I demand immediate deletion of the account from all credit reporting agencies and cessation of all collection efforts. Please provide all requested documentation in writing within the timeframe required under federal law. This letter is not a refusal to pay. It is a formal notice that the debt is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> I called the U S bank wiring money department and placed two wire transfer orders for purchasing a property in XXXX. The bank representative informed me to expect a phone call from the wiring department to confirm the orders before the bank can send the wires. I was in XXXX on XX/XX/year> which is 14 hours ahead of California time. Calls came in during the night while I was sleeping. The next day I returned the call, and I was told that orders cancelled because I didn't speak with the wire department. Three days later I noticed {$15000.00} was wired without my authorization. I filed a complaint immediately with the bank. My complain was declined because the receiver of the money took the money and U S bank couldn't retrieve it. I EXPLAINED AGAIN TO THE REPRESENTATIVE IN THE BANK ON XX/XX/year> THAT IT WASN'T MY FAULT. But I didn't get any response after that from the U S 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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: OK

Complaint narrative:
Im writing to file a complaint against XXXX XXXX XXXX for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 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: TX

Complaint narrative:
I am filing this complaint regarding XXXX XXXX suspension of my account and its failure to complete a review or restore access despite my full cooperation with its verification process. On or about XX/XX/year>, XXXX suspended my account and restricted my access to my funds and services. The notice I received did not provide a clear explanation of the specific reason for the suspension. Instead, XXXX requested additional information, including a copy of my government-issued identification, in order to review and potentially restore my account. I promptly complied with XXXX XXXX request and twice I submitted the required identification documents on XX/XX/year> and XX/XX/year>. Since providing the requested information, more than one month has passed, yet my account remains suspended. During this period, I have contacted XXXX multiple times seeking an update on the status of my account review. Despite my efforts, I have received either generic responses or no meaningful explanation regarding : The specific reason for the account suspension. The status of the verification review. The expected timeline for resolution. Any additional information required from me. I believe I have acted in good faith by promptly providing all requested documentation. XXXX XXXX continued restriction of my account without a clear explanation, timely review, or resolution has caused significant inconvenience and has prevented me from accessing services that I relied upon.

Company response to consumer: Closed with non-monetary relief