vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX for a debt that I do not owe, I received XXXX letters stating that I owe two different amounts totaling in the amount of {$100.00} for XXXX XXXX XXXX. That's the unknown fees, along with XXXX add on fees. To put this into perspective I only use debit cards and credit cards on my account, I have been shopping on XXXX since XXXX, if a card doesn't go through, XXXX will have me revise the payment before they even ship anything out to me. XXXX sent out XXXX letters saying I made an order on the XXXX and on the XXXX which I didn't. They also are saying I have an account number ending in XXXX to which I have no account ending in XXXX. If you read above I stated I used a Credit Card, an XXXX store card to be exact. All of this Verified information, all my orders are either confirmed through the XXXX card or cancelled. Now when I called them, I asked why isn't the burden of proof on them? The guy pretty much wants me to dispute it online through their information where they want me to provide my bank account information and social security for them. That is absolutely ridiculous, again the burden of proof is on you Prove to me that I have an account ending in XXXX : you can't because I don't have XXXX Prove to me to that I made those orders on the XXXX and the XXXX : you can't Send me the items I ordered, This can all be done in civil court If yall would like to take it that far because again the burden of proof is on you from what I read you deal with consumers bank accounts, I never use bank accounts to purchase anything nor do I have that account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
This is regarding XXXX ID : XXXX with Coinbase. They charged me {$290.00} for the past 11 months even though I canceled by Coinbase XXXX Subscription. My account was dormat with no transactions for 11 months but yet they kept charging me with no email, notification that I was being charged. They also charged using the balance in Coinbase so it never hit my bank account and I had no way of knowing I was being charged as they didn't send any communication on it. I reached out to them to refund. They acknowledged my account was not being used and that no communication about charge was sent but declined to credit anything beyond 3 months. I told them I never used any of their service and that not sending any notification of charging me monthly is not a consumer friendly practice. I also spent upwards of XXXX hours on chat with them as they would just not give a direct answer to my questions. I'm filing this complaint to get my 11 months refund of {$3200.00} ( {$290.00} * XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
This is not really a complaint more a push to get my XXXX XXXX check sent to me from Santander XXXX. My mother died in XXXXXXXX XXXX XXXX recently on XX/XX/year>. I live in XXXX, but I had to fly into XXXX XXXX to get a XXXX certificate and do all the paperwork and go to the bank and do an XXXX form, take care of that side of the monies at the bank along with getting the house prepared for sale and etc. we met with the bank manager in XXXX XXXXXXXX XXXX XXXXy at a Santander XXXX location. Me and my cousin who has been designated the administrator because I live in Wisconsin. The only item because my mother did not have a will that had me named as the beneficiary was her XXXX XXXX account at Santander XXXX, which is in the middle of being processed and reviewed by the bereavement team. Its been since the XXXX of XXXX since we met with the bank manager who was very kind and she explained the process to me and we filled out the XXXX XXXXXXXX form and we turned in all the necessary documents and here it is 12 days later. Im still waiting on a check to be sent to me here in XXXX. I SHOULDNT HAVE TO WAIT WEEKS TO GET THAT XXXX XXXX CHECK SENT TO ME FROM XXXX XXXX OR WHEREVER IT SENT FROM TO ME HERE IN XXXX. I AM NAMED THE BENEFICIARY THAT XXXX XXXX CHECK DOES NOT GO OR NEED TO GO INTO THE ESTATE. The check is for roughly {$6600.00}. Most of the banks would have sent me the check by now. Why the bereavement team at Santander XXXX back office has to take weeks to process this and review this XXXX XXXX check is beyond me. It should not take that long. Unfortunately my mother did not list me as a beneficiary for her checking and savings accounts so that money will take 45 to 60 days to process and will be put into the estate account that we are opening up with Santander. But the XXXX XXXX check on every bank statement because we have many of her bank statements we got from the mail and from around her house name me as the sole class a beneficiary for that XXXX XXXX check for {$6600.00} and I need it. Please make haste and get me that check sent to me here in Wisconsin. I shouldnt have to wait weeks for this check thats a POD AND SEPARATE FROM THE ESTATE.

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 2026-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts and inquiries are unauthorized, inaccurate, and do not belong to me. Their inclusion on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as applicable state laws. I dispute these items in their entirety and demand a reasonable reinvestigation in accordance with federal law. Pursuant to my rights under the FCRA and all applicable federal and state laws, I hereby demand the immediate blocking and permanent removal of all unauthorized accounts, inquiries, transactions, and any other inaccurate information reported under my name. You are required to conduct a timely investigation and ensure that all unverifiable or inaccurate information is promptly deleted. Failure to comply with these obligations may constitute willful or negligent noncompliance under the FCRA, and I reserve all rights to pursue any and all remedies available to me under the law. Please remove the disputed items listed below and provide me with an updated copy of my credit report reflecting these corrections.

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 2026-05-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
" On XX/XX/year>, I purchased a Visa Virtual eGift Card ( {$100.00} ) through XXXX XXXX ( Order # XXXX ), issued by Blackhawk Network . The card was delivered to XXXX and intended as a gift for XXXX. Both the buyer and the intended recipient attempted to activate the card at mygift.giftcardmall.com and received error ERR-1005 on multiple occasions. The card was never successfully activated or used by either party. On XX/XX/year>, the recipient attempted to use the card for an online purchase, which was declined. He contacted cardholder services at XXXX ( XXXX ) XXXX. With my authorization, case XXXX was opened. The agent confirmed the card was cancelled and that any future transaction would be blocked. On XX/XX/year> XXXX day after the fraud case was opened and the card was reportedly cancelled a {$100.00} transaction was processed at XXXX. This transaction should never have occurred given the active case and confirmed cancellation. When I escalated, Blackhawk Network stated they could not reverse the charge and that the information previously provided to me was incorrect. They opened a new dispute case XXXX and indicated I must wait up to XXXX days for the merchant to respond. Most recently, Blackhawk Network stated that the card was activated on XX/XX/year> which directly contradicts the ERR-1005 errors both parties received when attempting activation. This suggests the card was either compromised before delivery or that Blackhawk Network is providing inaccurate information to avoid liability. I am requesting a full refund of {$100.00}. Blackhawk Network failed to protect the account despite an active fraud case, provided incorrect information about the card cancellation, and is now contradicting documented evidence of activation failure. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for improper account closure, contradictory communications, false delinquency reporting, and ongoing violations of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Regulation B. 1. Navy Federal sent a delinquency warning that contradicted their actions. On the same day Navy Federal closed my account, they sent me an email stating : I was XXXX days delinquent, not XXXX I had until XX/XX/XXXX to prevent closure A payment of {$120.00} would keep the account open Accounts only close after 60 days past due Despite this written notice, Navy Federal closed the account immediately, without honoring their own deadline or policy. 2. Navy Federal never provided an adverse action notice. No notice was provided explaining : The reason for closure My rights under ECOA The credit bureau used My right to request reconsideration This is a direct violation of Regulation B ( 12 CFR 1002.9 ). 3. Navy Federal added a derogatory remark weeks after closure. A remark stating Account closed by credit grantor was added weeks after the account was closed, without notice. 4. Navy Federal reported the closure to XXXX on a different date. XXXX shows the account was reported as closed on XX/XX/XXXX, not the actual closure date. This is inconsistent and misleading. 5. Navy Federal reported a false XXXX delinquency. On XXXX XXXX, Navy Federal reported : Grid Code 2 XXXX Days Past Due This contradicts their own email stating I was only XXXX days delinquent. Reporting a XXXX delinquency before 60 days elapsed is a violation of FCRA 623 ( a ) ( 1 ) ( A ). 6. Navy Federal updated the balance after closure. Experian shows : Balance Date : XX/XX/XXXX Balance : {$7400.00} This indicates Navy Federal continued modifying the account after closure. 7. Navy Federals reporting is inconsistent across bureaus. Different dates, different statuses, and different reporting cycles appear across bureaus. I am submitting screenshots and documentation as supplemental evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am filing a complaint regarding TD Banks permanent restriction of my XXXX profile and the resulting limitations placed on bank-to-bank transfers involving my accounts. I initiated transfers to myself between accounts I own. XXXX confirmed there were no restrictions on their platform. However, TD Bank informed me that my XXXX access has been permanently restricted due to unspecified concerns involving unauthorized activity. No specific explanation, evidence, or policy violation has been provided. Additionally, standard bank-to-bank transfer functionality involving my own accounts has also been impacted, limiting access to my funds. I escalated this issue directly to TD Banks XXXX leadership and XXXX XXXX, requesting a review and written explanation. My complaint was sent to executive-level contacts, including a formal request for review by leadership. However, I have not received a detailed explanation or any meaningful review of the decision. While I understand financial institutions must manage fraud risk and system security, restricting legitimate self-directed transfers without clear explanation, documentation, or a defined appeal process raises serious concerns regarding transparency and fairness. At this time, TD Bank has not identified any specific violation, provided supporting evidence, or offered a formal appeal process. Desired Resolution * A detailed written explanation of the specific reason ( XXXX ) for the restriction * Clarification of why XXXX XXXX XXXX XXXX XXXX XXXX * Confirmation of whether the restriction is permanent or subject to review * Information on any formal appeal or escalation process * Restoration of transfer functionality or clear justification for continued restriction * Written policy basis for the action taken Additional Information Customer : XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX active direct deposits into my TD Bank account. All transfers in question were initiated between accounts owned by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: OR

Complaint narrative:
I am currently enrolled in an active FHA Trial Period Plan ( TPP ) with my mortgage servicer. I fully complied with the terms of my modification plan by making my first and second trial payments well in advance of their due dates to ensure continuity. However, my servicer 's automated accounting system misallocated my second trial paymentlikely placing it into an unapplied funds or suspense accountinstead of correctly applying it to my trial milestone. Because of this internal system error, the servicer 's system falsely flagged my account as delinquent for the second month and automatically escalated my file to active foreclosure status. When I called the company to make the third payment and resolve this, customer service representatives acknowledged that the advance funds were received but stated that they were unable to manually notify underwriting or haltingly update the system to correct their own mistake, claiming " there was nothing they could do. '' The servicer is actively dual-tracking my account and moving forward with foreclosure while I am in full compliance with an active loss mitigation agreement.

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 2026-05-22 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: CO

Complaint narrative:
I discovered multiple charges through PayPal from a merchant listed as XXXX. The charges appear to be connected to a website called testlibrary.com, but that was not clear from the PayPal billing name. Because the merchant name in PayPal did not clearly match the website, I did not know what the charge was for until I investigated it myself. The charges I found were {$1.00} on XX/XX/year>, {$39.00} on XX/XX/year>, {$39.00} on XX/XX/year>, and a pending {$39.00} authorization on XX/XX/year>. PayPal also issued a temporary refund for one {$39.00} charge after I filed a dispute, but I was told that this refund may be reversed if PayPal rules against me. I was not clearly informed that I was enrolling in a recurring subscription for approximately {$39.00} per month. I did not receive billing reminders, renewal notices, invoices, emails, text messages, or other clear notifications from the merchant before these recurring charges occurred. I only became aware of the charges after manually reviewing my PayPal activity. I attempted to resolve the issue through PayPals dispute process. However, PayPal has already ruled against me for one of the charges and does not appear to understand that my complaint concerns unclear merchant identification, lack of subscription notice, and recurring charges that I did not knowingly authorize. PayPals handling of the dispute has been slow and has not adequately addressed the recurring billing and disclosure issues. I am concerned that PayPal allowed these recurring charges to go through without adequate notice and did not properly investigate the nature of the merchants billing practices after I reported the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Relay Financial (US), Corp.
State: OH

Complaint narrative:
They keep telling me they waiting on XXXX XXXX to give me my funds they messed up my account for no reason I just want my money they takin money from me thats not fair to me or thXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.

Complaint narrative:
Esteemed CFPB Officer ; attached, you will find : ( a ) the copy of my final complaint submission to Citi XXXX XXXX under reference number XXXX with the same date of XX/XX/year> ( the same document was shared with Citi XXXX branch on the same date ) ; ( b ) XXXX e-mail dated XX/XX/XXXX stating : " ... please be advised that the entity you are inquiring about is subject to oversight by the Consumer Financial Protection Bureau ( CFPB ) for certain consumer protection laws and regulations. Please contact the CFPB directly to submit your complaint online at : www.consumerfinance.gov/complain.. '' Based on my final complaint submission and the guidance coming from XXXX , I request CFPB to raise this complaint with Citibank N.A . with a view to get detailed responses to my issues ( either from Citi Ethics/Citibank NA in United States or alternatively, if you deem that's more appropriate, a similar detailed response to the issues i have raised in my final complaint submission here from Citi XXXX or Citi XXXX ) . Please note that the attached document is my final submission regarding my complaint escalation to CFPB and it is an appeal based on the responses obtained from Citi Wealth Complaint Manager who was appointed to my case as a " final referee '' from Citibank side. As you can see in the attached appeal document dated XX/XX/XXXX, Citi Wealth Complaint Manager responses of XX/XX/XXXX do not provide adequate explanation to regulatory and ethical conduct related issues that were raised as part of my complaint. While i had requested a broader oversight of the complaint handling process from Citi Ethics team, the same has so far not been availed by Citi Ethics team as can be seen in the registered complaint under their online portal with # XXXX. Therefore, my request from CFPB is to ensure review and feedback to my complaint especially due to retaliation allegations contained in this document : rather than further deferring this matter to the management of the local branches, my request is CFPB involvement until i receive feedback from either Citi Ethics team or the said branches of Citibank XXXX and Citibank XXXX to my detailed appeal attached here. Until now, as part of the portal managed by CFPB, Citibank responded that their local branches would respond to my complaints. However, until now, no satisfactory feedback or resolution was provided by any of the said local branches. The same can be verified in my attached final submission containing Citibank local branches conclusive feedback dated XX/XX/XXXX : the issues i have raised were dismissed by these local branches, mainly due to absence of supervisory engagement from Citibank N.A. despite of the severity of retaliation allegations. I request your continued support in concluding this case either with supervisory review or satisfactory resolution from these parties. Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Order product through after pay for merchant. Product received was damaged. Filed for refund with merchant, sent pics, merchant ceased communication. Opened dispute with after pay, rep filed dispute on wrong merchant, called back opened another dispute on correct merchant, uploaded pics of damages. Afterpay denied dispute for reason they did not receive response from merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America offered a promotional bonus of up to XXXX if deposits totaling a certain amount are met within XXXX days. I have met these requirements and its past the 90 days however they have not deposited the bonus.

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