vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I open an account just recently on Monday XX/XX/year>. I received emails and my application was approved and my debit card was on the way in the mail. I downloaded the app. It was logging in because I needed to add money to my account which I was gon na do. But when I added my other bank to transfer money, the app just shut me out. And when I tried to log back in, it said no user found so yesterday, which was XX/XX/year>, I called customer service and they couldnt tell me why they just said I had to contact fraud department. So I called the fraud department, and the lady just said that they ended the relationship, upon asking her why, she did not provide a legit reason on why they closed the account. I kept asking and no answers were given. And she also said that I was restricted from opening any future bank accounts with them and I asked if theres anything I can do, and she said no. I was very disappointed because I was never given a reason why they close my bank account when I literally just got it.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sunbit, Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I did not authorize any XXXX purchases. I only added funds to my account. My Cash App account was accessed and used without my permission. I am reporting unauthorized transactions and requesting a security investigation and reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — Store credit 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: CO

Complaint narrative:
On XX/XX/year> a scheduled autopay draft of {$600.00} processed on my CareCredit account ( issued by Synchrony Bank ), even though my balance had already been paid in full prior to that date. This created a credit balance on my account. I contacted CareCredit customer service via chat on XX/XX/year> to request a refund of this credit balance. I was told the only refund option available was a mailed check, with a processing time of 2 to 3 weeks. Under Regulation Z ( 12 CFR 1026.11 ), creditors are required to refund a credit balance exceeding {$1.00} within 7 business days of receiving a written request from the consumer. I made this request and asked if the refund could instead be issued via ACH back to the bank account used for the autopay, but was told this was not an option. I am requesting that CareCredit/Synchrony Bank refund my {$600.00} credit balance within the timeframe required under Regulation Z, and that they confirm in writing how and when this refund will be processed. I have attached a copy of my chat transcript with customer service for reference. The last XXXX digits on my account are XXXX- XXXX XXXX is the name on the card.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SG and Associates
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OK

Complaint narrative:
I am not liable for this debt with OKLAHOMA XXXX XXXX XXXX. I do not have a contract with ONLINE INFORMATION SERVICES. They did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
Village Capital is my mortgage lender. I completed a streamlined FHA refinance in XX/XX/XXXX. My new monthly payment is {$4100.00}, including taxes and insurance. I recently saw a notice in my loan portal stating that my mortgage payment is increasing by {$99.00} per month. I called Village Capital to ask why, and the representative stated that my escrow account is short. He said they completed an estimate for future escrow payments. However, my property taxes decreased by {$500.00} for XXXX. My homeowners insurance did not increase, and my flood insurance actually decreased. Based on this, I do not understand why my escrow payment is being increased. I am requesting a thorough review of my account and escrow analysis. This company has paid my insurance late every year and previously attempted to charge me {$2900.00}. Because of this history, I do not trust their calculations without a clear explanation. The representative I spoke with could not explain why Village Capital needs additional money from me. He stated that my escrow account should always have at least {$1000.00} in it. However, my escrow account currently has {$2200.00}. Please review my account, provide a complete escrow analysis, and explain in writing why my payment is being increased despite my taxes and insurance not increasing. Please investigate my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank is continuing to hold funds in my checking account after a New Jersey court XXXX released a bank levy. This levy is related to case number XXXX. The court XXXX released the levy/funds and faxed the release to TD Banks levy/legal department multiple times , including a XXXX fax on Tuesday, XX/XX/year>. TD has still not removed the levy hold or made the funds available. I contacted TD multiple times. TD escalated the issue twice with no response from the levy department. I then filed a formal complaint with TD and received complaint number XXXX. TD told me the CARES department would call within XXXX business days, but TD still has not confirmed whether it received the court officers release, when it received it, why the hold remains, or when my funds will be released. I requested confirmation that TD received the court officers release, the date/time it was received, the reason my funds are still being held, when the levy hold will be removed, and written confirmation of the complaint/escalation status. TD has not provided this information. I am requesting immediate removal of the levy hold, immediate access to my funds, written confirmation that TD received the court officers release, a written explanation for the delay, and reimbursement for any fees, losses, or damages caused by TDs failure to process the release.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint against Equifax regarding its continued reporting of a fraudulent XXXX XXXX account resulting from identity theft. I provided Equifax with an FTC Identity Theft Report identifying the XXXX XXXX XXXX XXXX account as fraudulent. Despite receiving notice and supporting documentation, Equifax continues reporting the account with an approximate balance of {$7500.00} and an over-limit balance of approximately {$8100.00}. Equifax is violating : FCRA 605B, 15 U.S.C. 1681c-2. FCRA 1681e ( b ). FCRA 1681i ( a ). FCRA 1681i ( a ) ( 5 ). FCRA 1681s-2 ( b ). California Civil Code 1785.16.2. California Civil Code 1785.25 ( a ). California Civil Code 1785.31. The fraudulent inquiry associated with this account was previously removed, yet Equifax continues reporting the resulting tradeline. This demonstrates a failure to assure maximum possible accuracy and a failure to conduct a reasonable investigation. I demand : 1. Immediate deletion of the XXXX XXXX account XXXX 2. Permanent blocking under FCRA 605B. 3. Written confirmation of deletion and blocking. 4. Complete Method of Verification. 5. All documents relied upon to verify the account. 6. Written assurance that the account will not be reinserted. I request CFPB intervention and immediate enforcement action against Equifax for continued reporting of identity theft information after receipt of an FTC Identity Theft Report. If Equifax refuses compliance, I reserve all rights to pursue statutory, actual, punitive, and attorney-fee remedies available under federal and California law XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Deceptive Auto-Pay Design and Predatory Deferred Interest Assessment ( Account Ending in XXXX ) Complaint Description : I am filing this complaint against Synchrony Bank XXXX XXXX deceptive auto-pay system and the predatory assessment of retroactive deferred interest on my Mattress Firm credit card account. Approximately XXXX years ago, I opened this account to finance a mattress purchase. To ensure that I fully met my financial obligations and never missed a deadline, I immediately enrolled in XXXX automated payment system ( XXXX ). I have maintained a flawless payment history with XXXX late payments throughout the life of this account. However, I recently discovered that the promotional 0 % interest period expired XXXX years ago, and Synchrony Bank had retroactively applied a massive deferred interest charge to my account. This occurred due to several deceptive practices by the bank : XXXX. Mathematically Deceptive XXXX XXXX : When setting up XXXX, consumers reasonably expect that selecting the standard payment option will satisfy the requirements to keep the account in good standing and clear the promotional balance. Instead, XXXX system is engineered so that the default " minimum payment '' mathematically guarantees a balance will remain when the promotional period ends. The system does not clearly default to or explicitly guide consumers toward a " fixed amount to pay off promotional balance '' option. This is a deliberate UI/UX trap designed to trigger severe financial penalties for consumers acting in good faith. XXXX. Lack of XXXX XXXX and Warning : Because I relied on XXXX tool ostensibly designed for consumer convenienceI trusted the system was handling the obligation appropriately. When the promotional period was ending, Synchrony failed to provide a meaningful, prominent, and separate warning ( such as a dedicated email or SMS alert ) stating that a massive retroactive penalty was about to be applied. Furthermore, because XXXX simply continued to draw funds, the retroactive charge was completely buried in the routine billing cycle, causing me to remain unaware of the penalty for XXXX years. XXXX. Predatory Penalties on a XXXX XXXX : I have demonstrated XXXX years of perfect payment history. To protect myself from further predatory interest compounding at 29.99 %, I have already paid off the total account balance in full. However, penalizing a reliable customer with a retroactive charge based on a misleading XXXX structure is fundamentally unfair.

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 2026-06-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I purchased XXXX XXXX monitors from XXXX, each charged at {$1300.00} to my XXXX credit card, totaling {$2700.00}. Both orders were shipped via XXXX under tracking numbers XXXX and XXXX. XXXX confirmed in writing that both packages were lost in transit. The seller also confirmed in writing that the packages were lost and that a refund had been submitted, which was never received. XXXX denied my dispute citing that documents I submitted referencing XXXX were unrelated to my XXXX XXXX transactions. This was a factual error in Chases review process. XXXX was the third party marketplace seller fulfilling XXXX XXXX order XXXX through XXXX XXXX platform. The XXXX correspondence references the exact same XXXX tracking numbers as my XXXX XXXX dispute XXXX and XXXX confirming these are the same transactions. Chases entire basis for denial was built on a misidentification of the same order. I previously filed CFPB complaint XXXX which was closed with this erroneous explanation. I am requesting a full reopening and proper review of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report a fraudulent XXXX XXXX account that resulted from identity theft. I submitted an FTC Identity Theft Report identifying this account as fraudulent. TransUnion previously removed the fraudulent XXXX inquiry associated with this identity theft incident, yet continues reporting the resulting account with an approximate balance of {$7500.00} and an over-limit balance of approximately {$8100.00}. This reporting is inaccurate, misleading, and unlawful. TransUnions actions violate : FCRA 605B, 15 U.S.C. 1681c-2. FCRA 1681e ( b ). FCRA 1681i ( a ). FCRA 1681i ( a ) ( 5 ). FCRA 1681s-2 ( b ). California Civil Code 1785.16.2. California Civil Code 1785.25 ( a ). California Civil Code 1785.31. The removal of the fraudulent inquiry while continuing to report the resulting account demonstrates that the account can not be accurately attributed to me and should have been permanently blocked as identity theft information. I demand : 1. Immediate deletion of the XXXX XXXX account XXXX 2. Permanent blocking under FCRA 605B. 3. Written confirmation of deletion. 4. Complete Method of Verification. 5. Copies of all records used to verify the account. 6. Written certification that the account will never be reinserted. I request CFPB intervention to compel TransUnions compliance with federal and California law and to ensure the immediate removal of this fraudulent account from my credit file. Any continued reporting after receipt of my FTC Identity Theft Report will be preserved as evidence of willful noncompliance for purposes of litigation and recovery of damages under FCRA 1681n and 1681o.

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 2026-06-11 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Milestone closed my master card account for no reason. I have been making mulitable payments on my account a month so I was never late and I never over drew the account I kept a limited balance on it so there was reason for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I applied to this credit card with a bonus offer of XXXX miles after XXXX. After months of hitting the XXXX spend I have yet to receive my bonus miles. Every time I call into the customer service line or chat with an agent I get a different response for why is this happening and timelines in which my request will be addressed, yet I have gotten nothing.

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 2026-06-11 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: Block, Inc.
State: OK

Complaint narrative:
Good morning, XXXX. I trust your work is progressing favorably. I am writing to you regarding all redraw fund transactions conducted by Cash App during the period when my account was compromised with fraudulent activities, actions I assure you I have never initiated since becoming a member. I am writing to you because I have not yet received a refund of all the funds ( {$1800.00} ) that were due to me. I have been receiving emails from your team confirming a reimbursement that I have not yet received. Furthermore, my account has been deactivated by your investigation team, which is preventing me from opening a new case regarding this issue on Cash App. The reference case number for this matter is XXXX. The accusations and assumptions that have been directed towards me by your team are entirely unfounded and not of my doing. My Cash App account was compromised with fraudulent transactions on XX/XX/XXXX, resulting in the depletion of funds from both my Cash App and personal bank account through XXXX transactions that occurred on that same date. I have communicated with several members of your team, and it appears that no one has thoroughly understood or investigated this matter. I am resolute in my stance and will not relinquish this issue or remit any funds. This matter needs to be fully resolved and my funds are reinstated to my Cash App and personal bank ( XXXX ) account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I always pay my charge accts on the phone I paid a XXXX payment in XXXX and the girl who took my acct number did not use the proper format. So 3 months they used this format and I called a corrected it every month and paid the payment with the same account but corrected it everytime. Never was my payment late!! There should be 4 calls recorded with this info. They said my payments were denied. My bank corrected the wrong format and told them and they continued to enter it wrong. NEVER was MY PAYMENT Denied FROM MY ACCT. I SENT THAT TO THEM.stating that Synchrony Bank THEN CLOSED XXXX of my accts. Said they were I. Danger of no pay??? My credit rating is XXXX and I am very concerned these wrongful actions will cause my credit rating to crash! Im very proud of it! I hope you can help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation