vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I've been with Wells Fargo for years and have never had a problem. I recently was given a bank/cashier 's check which is the same as cash essentially and they put it on a random hold for over a week I'm still waiting and won't share any info. Mind you this check is from my uncle whom has given me plenty of money on checks even regular personal checks and I've never had a problem. Wells Fargo cleared it then almost 4 days later took it back randomly and put it on hold and left my account in the negative and I have no money and 3 kids and bills and they refuse to help me. Even the executive department

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 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I was charged {$10000.00} through a website called XXXX that I have never used and never authorized using my information. CareCredit ( Synchrony Bank ) has refused to drop this charge and is demanding that I pay interest on this {$10000.00} charge that I never made. I can not afford this and I never made the charge and I do not know what to do.

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America is reporting my credit card account ending in XXXX as charged-off on my credit reports. 

I disputed this account directly with Bank of America and requested verification of the accuracy and legal basis for the charge-off. Bank of America indicated that it provided a response, but no written response was ever received by mail, email, or secure message. 

Bank of America has failed to provide proof that I was notified within 30 days of furnishing negative information, as required under the Fair Credit Reporting Act. The bank has also failed to clarify whether the debt was cancelled or remains legally enforceable. 

Because no response or verification was delivered, the charge-off reporting remains inaccurate and unresolved, yet continues to appear on my credit reports.

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bilt Technologies, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX, I attempted to submit my rent payment through the Bilt Rewards app using Bilt Rewards Pay. The app displayed the payment as pending, which reasonably led me to believe the payment was in progress. No error message or warning indicated that the payment had failed or that I needed to resubmit. 
My property manager never received the payment. As a result, I was charged over {$130.00} in late fees. When I contacted Bilt support, I was later told that no payment attempt existed in their backend records. This directly contradicts what was displayed in the app at the time. 
I relied in good faith on the apps payment status. The discrepancy between the apps display and Bilts internal records caused direct financial harm. I am requesting reimbursement of the late fees incurred due to this payment processing failure and misleading app status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I NEED ACHUAL HELP INSTEAD OF ALLOWING FIFTH THIRD RESONDING TO CFPB WITH FALSE AND FRAUDULENT STATEMENTS. At the present time I have still NOT received lender placed property insurance policy documents ( complete ) that was requested in XX/XX/year>.... I have NOT received a corrected pay-off amount that has been requested XXXX of XXXX  that reflects all payments made to the principal and interest. I have NOT received any justification or explanation for added fees that are stated in the note pay-off amount. At the present time Fifth Third is pursuing to foreclose and would rather pursue litigation instead of correcting mistakes made by Fifth Third in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
I want my provisional credit until there investigation is complete I didnt authorize the transactions I have disputed with them this bank doesnt communicate with there customers either they complete investigations way too early as well too shut me up that not right at all my debt card was stolen this is my money and this bank is playing games with me and my family that I need to feed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am disputing a {$960.00} charge for a purchase from XXXX ( Order # XXXX ) for a XXXX XXXX event on XX/XX/year>. This is a " Goods Not as Described '' claim involving a material bait-and-switch. I paid for premium XXXX XXXX XXXX, Row XXXX tickets. I instead received XXXX XXXX XXXX XXXX tickets, which have a significantly lower market value. 

American Express is refusing to honor the dispute, claiming the merchant stated I did not contact them within the required 7-day timeframe. This is factually false. I contacted the merchant via phone on the night of the event ( XX/XX/XXXX ) and initiated a formal written dispute on XX/XX/XXXX, well within their 7-day window. I have provided Amex with proof of this contact, including emails from a XXXX executive representative named " XXXX, '' but Amex has failed to perform a proper human review of this merchant fraud and deception.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ARVEST BANK GROUP, INC.
State: TN

Complaint narrative:
i had called the bank 2 weeks ago to close an account due to fraud and it still not closed. i have called the repletely. I told them this needs to be close. They keep saying they can not closed it due to pending transaction. \There banking practice and management is horrible and will not work with me on closing it. I will bring a lawsuit if they due not close 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 2026-02-09 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: TX

Complaint narrative:
Several accounts were reported on my credit reports between XXXX and XXXX as collections or charge-offs with balances ranging from approximately {$200.00} to {$1900.00}. Some of these accounts continued to report balances after being charged off, and others appeared to be reported inconsistently across credit bureaus. 

In XX/XX/XXXX, I disputed these accounts with the credit reporting agencies and requested verification under the Fair Credit Reporting Act ( FCRA ). I have not been provided documentation showing that these accounts were accurately verified, including proof of the obligation or authority to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received an email from my boss asking me to review a document. Later in the day, I log in to reset a password for my XXXX  XXXX  debit card as I was going to place a curbside order. XXXX hour later, my daughters dad gets a call due to two suspicious purchases. 

When I look at my phone, I see that someone used that same password to log into my XXXX  account and buy a XXXX  {$500.00} gift card. Since they couldnt use my XXXX  debit card ( confirmed by XXXX  there was an attempt ) they used my attached PayPal. Since the passwords were the same, they later on just went ahead and sent themselves money.

Ive disputed it with PayPal twice but theyre saying because its the same IP it was not u authorized. We all know with hacking you can fake the IP. This person hacked my computer so of course everything he needs is on there. 

When resetting my windows, I noticed they attached themselves to chrome as an adobe extension which is obviously very fake. I advised to them that Im going through a bankruptcy process and obviously dont have the money for these purchases. I submitted a police report, FRC report, and an IC3 complaint.

They stated if they just take every customers word it would be impossible to have a business. Not every customer has the same situation. I made all of these reports which were made under oath. PayPal refuses to budge. 

The only card that worked for them was my daughters dad card which was a card provided for emergencies only as we share a daughter. 


XXXX Date email was downloaded and when the fraud took place Per PayPal , name of scammer is XXXX XXXX with an email of XXXX. PayPal can go into this account and check their information as this is just another PayPal account. Verified as I clicked forgot password using their email on their website. Showed a partial cell number. 

FTC : XXXX Submission ID : XXXXXXXX XXXX XXXX Police Department : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Rosebud Economic Development Corporation
State: GA

Complaint narrative:
Willow lake lending is claiming I took a loan out with them on XX/XX/XXXX in XXXX ga online. I started the loan process but didnt not go through with it, after researching I saw that have a law suit against them for overly high interest rates without the consumer knowledge so I stoped the application. They are stating that I still sign up for the loan but I dont have any loan paper work in my email or mail to my house about this loan. They claim the loan was for XXXX dollars and started taking payments out my account XX/XX/XXXX. I didnt find out until XX/XX/XXXX that they have been taking these payments. They have taken a total of XXXX dollars out my account so far and claim the total pay back is XXXX dollars. I have stop the automatic payment but not sure how to proceed after this. Im still waiting on the paper work they said I sign for the loan but like I said before I never had any paper work email to me or sent to my home stating I had a loan with them. They want me to send them my bank statement but I feel my information has been compromised and dont want to give them any more of my information. I also believe they are not even licensed to operate in Georgia .i know how the loan process work and if I took any type of loan out the are required to give me all XXXX details including paperwork and a loan number which I never received either XXXX

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
Citi bank online Citi XXXX XXXX Credit Card Settlement arrangement made on XX/XX/year> - {$1400.00} - paid on the same date. 

Never received settlement arrangement written communication. Account still shows balance owed, when it should reflect a {$0.00}. 

Attempting contacting via phone multiple times, keep getting transferred to different people who " can't help '' or " don't have access ''. 

Requested supervisor multiple times and was denied every time. 

I just want to know that my account is settled via written communication and account reflection of {$0.00}

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
An unauthorized ACH debit was withdrawn from my checking account by XXXX XXXXXXXX XXXX XXXX in the amount of XXXX. This debit represented an improper aggregation of multiple billing cycles and utilities into a single transfer. I did not authorize a consolidated or stacked XXXX debit of this amount and was not provided advance notice or authorization. 

I disputed the transaction with Chase. The initial claim was denied solely on timing grounds. After obtaining an itemized ledger from XXXX showing that multiple service periods were bundled into one debit, I submitted a formal second-level reconsideration under Regulation E on XX/XX/year>, explaining that the error was not reasonably discoverable until the ledger was provided. 

Chase acknowledged receipt of my reconsideration through secure messages and escalated the matter to its Executive Office. I received confirmation that documentation had been received, the claim was under review, and that any temporary credit would remain pending until the claim was finalized.

Despite the ongoing Regulation E investigation and without a final written determination, Chase allowed pending debits labeled as REVERSAL : XXXX PROD WEB PMTS in the amounts of XXXX and XXXX to impair my available balance. As a result, my account became overdrawn in the amount of XXXX. These debits are tied to the same disputed transaction and claim ID and occurred while the reconsideration was active. 

I requested documentation showing authorization for the debit, an explanation of how the amount was calculated, confirmation of whether multiple billing cycles were bundled into a single transfer, and written findings from a Regulation E investigation. This information has not been provided.

Allowing disputed funds to impair my account during an active Regulation E investigation caused financial harm and overdraft risk before any final determination was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : FORMAL DISPUTE & DEMAND FOR DELETION Account No. : XXXX To Whom It May Concern, This letter serves as a formal dispute and demand for deletion of the collection account your company is reporting to XXXX  under the name National Credit System, allegedly originating from The Guarantors, in the amount of {$5200.00}.

I dispute this account in its entirety.

You are reporting information that is inaccurate, incomplete, and unverified, in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). To date, you have failed to provide any competent evidence that I have a legal obligation to this alleged debt.

Under federal law, you are required to conduct a reasonable investigation and provide documentary proof, not internal screenshots or data summ
aries. Specifically, I demand the following : 1. A copy of a contract or agreement bearing my signature creating liability 2. Proof of assignment or ownership giving your company authority to collect and report 3. A complete itemized accounting of the alleged balance 4. Verification of the date of first delinquency, as required by law 5. Proof that this account has been reported with maximum possible accuracy If you can not produce all of the above, you are legally required to delete this account from XXXX  immediately.

Be advised : continuing to report this account without proper verification constitutes willful noncompliance and exposes your company to liability under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, attorneys fees, and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: IL

Complaint narrative:
PayPal permanently limited my account and is holding my balance of {$1400.00} until XX/XX/year> despite there being no disputes, chargebacks, or negative balances. These funds were added from my own debit card and belong to me. I am experiencing financial hardship and am requesting immediate review and early release of my funds. A XXXX hold is excessive and unfair given there are no outstanding liabilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Several accounts were reported on my credit reports between XXXX and XXXX as collections or charge-offs with balances ranging from approximately {$200.00} to {$1900.00}. Some of these accounts continued to report balances after being charged off, and others appeared to be reported inconsistently across credit bureaus. 

In XX/XX/XXXX, I disputed these accounts with the credit reporting agencies and requested verification under the Fair Credit Reporting Act ( FCRA ). I have not been provided documentation showing that these accounts were accurately verified, including proof of the obligation or authority to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: CO

Complaint narrative:
I am requesting a review of a credit card charge for prepaid services that were never provided due to the merchant ceasing operations. 

On XX/XX/XXXX I paid {$650.00} in advance for services that were scheduled for XX/XX/XXXX. At the time of payment, the merchant was operating normally and the services were set for a future date. 

When I arrived for my scheduled appointment on XX/XX/XXXX, the business was closed and no services were provided. I subsequently learned that the merchant was no longer operating. I attempted to determine the status of the business and obtain the services or a refund, but the merchant was unreachable and has not provided any refund. 

I could not reasonably dispute the charge earlier because the services were prepaid and scheduled for a future date, and there was no indication prior to XX/XX/XXXX that the merchant would close or fail to perform. The non-performance was only discovered when the appointment date arrived and the business was no longer operating. 

I am requesting that the bank review this matter as a services not rendered / merchant closure situation and consider remediation or guidance, as the charge remains for services that were never received. 

Here is the XXXX Maps XXXX to the business showing them closed : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
SoFi Bank closed my account without providing a reason. After the account was closed, XXXX XXXX deposits were sent to the account on XX/XX/year> : XXXX payroll deposit from my employer and one IRS tax refund.

Both the IRS and my employer have confirmed that the funds have not been returned to them. I have contacted SoFi multiple times, and SoFi representatives have refused to provide any information regarding whether the deposits were received, whether ACH returns have been initiated, or any return dates or trace numbers.

SoFis refusal to provide information or return the funds in a timely manner is causing ongoing financial hardship. I am requesting confirmation that the deposits were received, the status of the ACH retur
ns, the return initiation dates, and the ACH trace numbers so the funds can be properly reissued by the senders.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: VA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation