vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have spoken with a CFPB Agency representative ( XXXX XXXX ) and I believe this is the correct pronunciation of that agent 's name. 

This agent informed me that several credit card companies had a red flag and was overcharging me in interest rate payments to them. 

This agent stated that he would issue a CEASE AND DESIST letter to these credit card companies and that these companies were in possible violation of Federal and State law. 

Please provide me with a copy of those CEASE AND DESIST letters to those companies. 

Thank you XXXX XXXX XXXX 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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ) is furnishing a collection tradeline on my credit reports ( listed as XXXX, acct. XXXXXXXX XXXX XXXX XXXX XXXX  ) with a balance of {$640.00}. The account is being reported as an Open Account/Collection and Derogatory, and it also shows a Payment Status : Late 120 Days. This reporting is inaccurate and misleading for a third-party collection tradeline and does not appear properly verifiable. 

The tradeline contains inconsistent dates, including a Date Opened : XX/XX/XXXX while also listing Date of Last Payment/Date Last Active : XX/XX/XXXX. I dispute the accuracy, completeness, and verifiability of this account and the data being furnished. 

I requested validation/verification and supporting documentation, including proof XXXX has the legal right to collect and report ( assignment/chain of title ), the name of the original creditor, an itemized breakdown of the {$640.00} balance ( principal/interest/fees ), the payment history, and the date of first delinquency used for reporting. XXXX has not provided sufficient competent documentation to substantiate the debt or to verify the accuracy of the information being reported, yet it continues to furnish derogatory information to the credit bureaus. 

I am requesting that XXXX conduct a reasonable investigation, cease reporting any information that can not be verified, correct all inaccurate fields and dispute coding, and delete the tradeline if it can not be fully substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CarMax, Inc.
State: NJ

Complaint narrative:
Today at XX/XX/XXXX in XXXX the date was XX/XX/XXXX at about XXXX a tow truck hit the car with me in it. Gave me XXXX  and fear as to I dont know what had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TransferWise Ltd
State: FL

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, three transfers were sent from a U.S.-based payment provider ( XXXX XXXX XXXX XXXX to a U.S.-based money transfer account ( Wise XXXX XXXX ), intended as transfers to the same companys own account held by XXXX XXXX XXXX. 

The transfers were successfully initiated and confirmed by the originating provider, with the following details : XX/XX/year> USD XXXX XX/XX/year> USD XXXX XX/XX/year> USD XXXX Total amount : USD XXXX However, Wise did not credit the funds to the correct Wise account held by XXXX XXXX XXXX and did not return the funds to the originating provider. 

I contacted Wise support multiple times to request clarification and resolution. Despite these efforts, Wise has not provided clear information regarding the current location or status of the funds, has not provided transaction traceability details, and has not given a clear timeline for resolution. The responses received have been generic and have not addressed where the funds are currently held or how they will be properly credited. 

At this point, the funds remain uncredited and unrecovered, causing financial and operational impact. International money transfers should be traceable at all times, and funds should not remain in limbo without transparency or resolution. 

I am requesting assistance to ensure that the full amount is credited to the correct Wise account held by XXXX XXXX XXXX, or alternatively returned to the originating provider, with clear documentation confirming the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint regarding Bank of America issuing a credit card/account in my name without my authorization. I did not apply for, request, or consent to this account being opened. 

I became aware of this issue after noticing unauthorized activity and/or an account appearing on my credit reports. This account is inaccurate and does not reflect a valid or authorized consumer agreement. 

I contacted Bank of America to address this issue ; however, the matter has not been properly resolved, and the unauthorized account continues to negatively impact my credit reports with XXXX XXXX  and XXXX. 

This situation constitutes inaccurate credit reporting and a failure to prevent or correct unauthorized account activity. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to have inaccurate or unauthorized information removed from their credit files.

I am requesting that Bank of America immediately : Conduct a full investigation into this unauthorized account.

Close and permanently remove the unauthorized account.

Correct and delete any negative or inaccurate information related to this account from all credit bureaus.

Provide written confirmation that the account has been removed and that my credit files have been updated accordingly.

I respectfully request the CFPBs assistance in ensuring Bank of America complies with its obligations under federal consumer protection laws.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
ALDOUS AND ASSOCIATES Are reporting on my credit report that I owe them {$220.00} on an account that does not belong to me. I have contacted them multiple times about their negative reporting to my credit report with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB MANAGEMEN is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMEN 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 explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I am filing a complaint regarding an improper interest charge on my XXXX XXXX credit card issued by Synchrony Bank.

I had multiple promotional balances on my account. One promotional balance expired on XX/XX/XXXX, while others expired on XX/XX/XXXX. I mistakenly believed all promotional balances expired in XXXX. When I realized the XXXX promotion had expired, I contacted Synchrony through their online portal. I was explicitly told by their representative that if I paid the balance by XX/XX/XXXX, the interest charges incurred on the XXXX promotional balance would be reversed. 

I complied with this instruction and paid my entire account balance in full on XX/XX/XXXX, before the stated deadline. Synchrony confirmed that the interest previously charged on the expired promotion was reversed.

However, on XX/XX/XXXX, Synchrony assessed an additional interest charge, stating that the interest they had waived incurred interest. This explanation is illogical and inconsistent, as interest that was reversed/waived should not generate additional interest.

I attempted to resolve this through Synchronys online portal, but I received generic responses and the chat was ended without addressing my concern or providing a clear explanation.

I am requesting : - Reversal of the additional interest charge assessed on XX/XX/XXXX - A written explanation of how interest was calculated after the prior interest was waived - Confirmation that my account accurately reflects a XXXX balance with no remaining finance charges Synchronys actions reflect a failure to properly investigate and resolve a billing dispute and an inaccurate application of finance charges.

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 monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
First off, let me start by saying I am a struggling college student. Money doesnt come very easy for me, especially when all the money I make goes either my tuition or necessities that I need. I work hard for my money, so for me not get it back after I was promised something is truly upsetting. On XX/XX/XXXX, I seen a hairstylist on XXXX who was having a hair for {$230.00}. I was immediately interested since {$230.00} is a good price she was charging for the style I wanted and her work was good. I looked at the description of the post, seen she had her contact info there and contacted her right away. I texted her number, and we talked about the style I wanted and the length of my hair. Due to my XXXX, I wear my hair short instead of long. She made me feel welcome, telling me she would braid my hair regardless of the length and cover the XXXX XXXX that I have. The deal was to pay her upfront. I paid her {$230.00} which was about the last of my money. Ive been working for so long and havent been able to take care of my looks/hair/skin, so I was doing this as a treat for myself because I earned it. We set a meeting time for XX/XX/XXXX. XX/XX/XXXX came, the night before my appointment. She texted me saying she would have to cancel. Didnt give me a reason why, just said she had to cancel and reschedule. The days she wanted to reschedule for were not good. I have a hefty schedule. I tried giving her a few times that would work, but she told me no as well. I then asked her for my money back. I would simply find someone else to service me. Thats when the problem started. She started telling me she had a non refundable policy, which I understand but I wasnt serviced and she canceled on me. Honestly I think you guys get the point. She wont refund me my money no matter how many times I beg. Im a college student and {$230.00} is a big deal of money to me, especially if I worked hard for it. I contacted cashapp since thats what I used to pay her and the declined my dispute each time. Im really getting frustrated with this. I just really would like help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I am writing to formally file a complaint regarding a serious issue with my new Citibank account opened on XX/XX/XXXX at the XXXX XXXX branch in Washington , DC, which has resulted in my funds being frozen, my account being blocked, and my promotional bonus and APY eligibility being jeopardized.

At the time of account opening, I enrolled in Citis promotional offer stating that : A {$750.00} bonus would be paid if {$25000.00} or more was deposited and maintained for 45 days, and A 3.5 % APY would be activated if {$25000.00} was deposited into a savings account within 10 business days and maintained for 3 months.

On XX/XX/XXXX, the day after my account was opened, I deposited {$77000.00} into the account. However, the funds remained in on deposit status and never became available. Approximately one week after opening the account, my account was suddenly blocked, with no prior notice or explanation.

I contacted Citi customer support multiple times. One representative eventually informed me that my first and last name were reversed in the system and did not match my identification documents. Because of this, I was required to travel from XXXX back to Washington , DC to resolve the issue in person.

At the branch, staff were unable to explain why my account had been blocked. I was asked to re-submit a XXXX form. I completed three XXXX forms : The first two were entered incorrectly by Citi staff ( with my name still reversed ), The third was finally corrected after I explicitly pointed out the error.

Despite this, five additional days have passed and my account remains blocked. I still have no access to my {$77000.00}, and Citi has not provided any clear explanation of where my funds are or why they are being held.

As of today, it is already my
9th business day since opening the account. Because my account is blocked, I am unable to transfer funds into my savings account, which means I will almost certainly miss the 10-business-day deadline required to activate the 3.5 % APY, despite having deposited far more than the required amount. This failure is entirely due to Citis internal errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I put {$400.00} on a NetSpend card. I've been trying for three almost four weeks to be able to use the card. I've given them my name address give them my California driver 's license and vehicle registration to verify that it's me. Still having issues. I just want my money back I can not believe the late fees I've had to pay because I can't access this money!

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 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am filing this complaint against National Credit Systems ( NCS ) for deceptive collection practices and for reporting an inaccurate debt of {$11000.00} that lacks legal substantiation.

1. Discovery of Inaccuracy and Missing Documentation The alleged debt is inaccurate and fails to account for government rental assistance. During my residency at XXXX XXXX XXXX XXXX XXXX XXXX Emergency Rental Assistance ( ERA ) application was submitted. My investigation into these funds revealed two critical facts : No Legal Contract : Neither the property group nor the collector possesses a copy of my rental agreement or a signed lease. While the collector provided a " Final Summary of Charges, '' this is merely an itemized list and not a legally binding contract. The property group explicitly admitted via email they have no records tying me to the residency or this debt.

Accounting Error : Despite having no lease on file, the property group proceeded with a collection that fails to account for the federal relief funds. I am concerned these funds were received by management but never credited to my balance.

2. Pattern of Non-Compliance & Deceptive Tactics I have made a good-faith effort to resolve this through multiple channels : XX/XX/year> ( Verbal Disputes ) : I contacted the property group and the collector. The XXXX XXXX stated they did not send me to collections and had no records. I verbally disputed the debt with NCS at this time. 

Contradictory Debt Ownership : During these disputes, both parties engaged in a " shell game '' regarding ownership. The property group claimed that the collector now owns the debt, while an NCS representative stated on a recorded line that they do not own the debt and that it remains with the property group. This prevents me from identifying a responsible party for correcting the balance.

Deceptive Verification : NCS later claimed they " verified '' the debt. When I questioned the property group on how they verified it without records, they admitted they did so solely " because the collection is in our name. '' Recorded FDCPA Violation : On a recorded line, an NCS representative falsely claimed they are a " credit bureau '' to discourage me from pursuing legal disputesa clear misrepresentation of their authority under the FDCPA. 

XXXX. Failure to Investigate ( FCRA/FDCPA Violations ) XXXX XXXX : I sent written disputes via standard mail. No validation was provided. 

XX/XX/XXXX ( XXXX Mail ) : I resent demands via XXXX Mail specifically requesting the original signed lease and a full accounting ledger. 

Result : NCS failed to respond entirely, violating their duty to pause collection activity and provide validation. The credit bureaus claimed the debt was " verified, '' yet they failed to provide the requested ledger or lease that would substantiate such a high balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: NC

Complaint narrative:
XX/XX/XXXX noticed a transaction on XX/XX/XXXX at XXXX for XXXX * Late Eats for XXXX. I searched internet for information before calling Moneylion. I asked for information about merchant. I was told XXXX was on XX/XX/XXXX and they have no ID for merchant. I then asked if it was a physical use of card or internet, they said they don't have that information. I said I want to dispute charge then. Her first question was " Was your physical card used '' I said no. She then pushed hard for me to say yes because " saying no can influence the outcome ''. I then spoke to supervisor who told me they don't have that information and if I file a dispute it will look like I did it. He also informed me after almost a half hour that it was now saying a pin was used but no information on Merchant. I changed pin and requested new card over app while waiting on his supervisor to call me hoping to get more information. I recorded the whole conversation and took screen shots of bank statement. He also informed me the transaction on Moneylion end happened at XXXX am on XX/XX/XXXX but somehow shows on at it cleared XX/XX/XXXX at 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 2026-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Called XX/XX/XXXX or XXXX and asked when my transfer of {$850.00} would be available. I was told it would be available XX/XX/year>. I was told that Barclays needed to verify the external account. I asked if this was the policy for every transfer. I was told it was only on the first transfer. The {$850.00} was the second transfer and my account had already been verified with the initial deposit of {$10000.00}. I asked why my funds were not being shown in my available balance. She said the external account needed to be verified. I explained again it was my second transfer and if the funds would be held every time I made a transfer. She stated the account would need to be verified only the first transfer. I was never given an answer as why my funds were being held.

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