vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 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: U.S. BANCORP
State: TX

Complaint narrative:
I am filing this complaint because a merchant refund that was already approved has not been returned to me due to the closure of my U.S. Bank credit card account. I purchased a fully refundable XXXX XXXX XXXX ticket through the U.S. Bank XXXX XXXX for {$370.00} using my U.S. Bank XXXX XXXX card ending in XXXX. The itinerary was XXXXXXXX XXXX XXXX XXXXXXXX from XXXX to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I contacted the U.S. Bank XXXX XXXX. I was told they could not locate my booking because the original card account had been closed, and I was directed to request the refund through XXXX instead. I followed that instruction and submitted the refund request on XXXX. XXXX approved the refund and issued confirmation number XXXX in the amount of {$370.00}. Despite the refund being approved, I have not received the money because it was sent to U.S. Bank XXXX XXXX. U.S. Bank also denied my dispute because I don't have proof that XXXX refunded to my card because in fact delta doesn't have my card info as I bought it through an agency ( U.S. Bank XXXX XXXX ) so XXXX just refunded the agency in my opinion. I don't have enough proof like to link booking with the refund confirmation but I followed U.S. Bank 's phone support 's advice. I am seeking assistance because U.S. Bank XXXX XXXX should be able to trace and properly return an approved merchant credit even if the original card account is no longer open. I am requesting that U.S. Bank promptly investigate this matter, locate the XXXX refund, and provide the refunded amount to me without further delay.

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 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I filed disputes for XXXX charges totaling approximately {$5800.00} : Three ShipMonk charges ( {$1000.00} on XX/XX/XXXX, {$2000.00}, and another amount ) for fulfillment and storage services XXXX UpWork charge ( {$2700.00} on XX/XX/XXXX ) for SEO services All disputes were for the identical situation services not delivered as promised, overbilling, inventory discrepancies, missing/damaged items, and repeated overcharges. What Synchrony 's system shows : Only XXXX disputes appear in their system ( Claim XXXX : XXXX for {$2000.00} and XXXX for {$520.00} ) with temporary credits approved ( Reference # XXXX and # XXXX ) XXXX disputes are completely missing from their system despite being submitted multiple times The {$1000.00} ShipMonk charge and {$2700.00} UpWork charge remain unresolved and are not appearing in their dispute records System failures documented : PayPal Credit 's messaging system is broken and prevents dispute submission ( Ticket # XXXX issued ) Multiple agents confirmed disputes were submitted but can not locate them Agents gave conflicting information and closed chats without resolution I was told to mail documents to XXXX XXXX XXXX, XXXX PA XXXX as a workaround since their online system doesn't function The ongoing harm : The {$1000.00} ShipMonk charge remains on my active account, accruing interest ( {$44.00} documented )

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 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VT

Complaint narrative:
as of yesterday at XXXX I had called cash app support explaind that i was hacked this first call lasted XXXX min. they had asked me to explain why i had thought this they had accsesed my accout and was to see that yes i was hacked by an iphone in massachusests where i do not live they had hacked my PC first and i was apble to secure that with no problem the had compromised my email that is accosiated with my cash app so thats how they had gotten acsess. they had removerd them and allowed me to change my pin but had failed to to pervent them from accsesing again so they were able to change everything again so then had transferd me too another person to help me further that call was yesterday at XXXX and lasted an hour and XXXX it was a countinue of the same thing as before i wasnt able to take back my XXXX dollors that i hard earned and they failed to do so. once again i was transferd to another person he kept constant watch om my account the whole time as i tried to transfer my money to a new cash app account i was told to make ended up being a complete waste of my time because my account had been locked and told me they didnt have the ability to unlock it and told me to call back the next morning but of course during the night the hacker got back in and started changing and taking control of my account once again and now i have completly no accses to my account least to say completely disapointed and a waste of my time i had also made new emails and chaned passwords which came to no avale

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am a victim of identity theft and this debt collection account is not mine. The account was reported by LVNV FUNDING LLC for approximately {$1500.00}. I did not open or authorize this account, and I have no knowledge of this debt. I became aware of the account on or about XXXX XXXX when I reviewed my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I been dealing with this dispute for over a year now and as i explained to my credit card company that the merchant did not provide services as stated and i made ever effort in good faith to resolve with the merchant directly but was unsuccessful in no way shape form nor manner did i use or receive any good or services from this merchant at this point i believe my credit card is working with the merchant to force me to pay for something i did not use or receive and this is basically fraud now because i did not authorized this payment I ask that you refund XXXX as no one in their right mind would pay for a service they didnt use nor received. I cant use something you never recieved this merchant had lied provided false documents to steal my funds and my credit card company is allowing this theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I sent money to the wrong person on cash app the transaction ID number is # XXXX. It was sent from my account XXXX XXXX $ XXXX it was supposed to be sent to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Yesterday evening XX/XX/XXXX after XXXX, I was logging onto my bank website Santander Bank XXXX look at some medical expenses that I paid for during XXXX to supply this information to my XXXX XXXX in order to finish and submitt my XXXX tax return. Well, I was shocked to see my checking account balance dropped by {$800.00}, as it previously was $ XXXX before this unauthorized charge of {$800.00} was charged to my Santander checking. Note too, that after I was going to check my checking account for the XXXX medical expenses. I was then going to log on to my mortgage company ( XXXX ) website to make my monthly mortgage payment of {$1700.00}. But after seeing the drop of my checking account balance go from XXXX, {$010.00} to {$1200.00} ( a decrease of {$800.00} ) I could not make my mortgage payment. I called Santander Bank to report this unauthorized charge. The person I spoke to said that is terrible and that I can dispute the transaction and that my checking account would be shut down. I said I am not t sure I want to do that, because I make a lot of bill payments to it by autopay, and that will be a real hassle and time consuming effort. I then spoke with someone in customer service, and was told someone in the loan department collections charged my checking account without my authorzation and without providing me any notice in advance that this would take place. I was behind only XXXX loan payments, but I had called to ask for hardship assistance, and was ignored. This is totally unfair and unacceptable. I was not even afforded any notice, as this puts me and my family in a tremendous hardship missing mortgage payment due XXXX. Santander Bank could have contacted me and advise me ; but no one called me or emailed me or sent me any mail. i wanted to obtain some type of forebearance or loan deferral or even a loan repayment plan ; but I was not provided any such option. It is heartless that someone would charge my checking and for such a sugnificant amount. My normal payment is {$360.00} but Santander Bank tacked on a bunch of fees to come up to {$800.00}. Please help me obatin some type of relief. I do want to pay, but I am going thru a temporary finacial hardship due to medical issues of my wife, also for myself. Also, I received an email dated XXXX that my Santander Bank loan will be sold to another company on XX/XX/XXXX. Why? Because I was XXXX payments behind? That is terrible bank practice. My name is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; email : XXXX cell : XXXX. Note I am so scared now because I am a very fearfull Santander Bank is going to take more of my checking acoount money if I am even just XXXX day late in the future. I am on pins and needles now.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Product : Bank account or service Issue : Problem with funds / Withholding funds I am filing a formal complaint against Chase Payment Solutions ( JP Morgan Chase ) regarding the unjustified withholding of funds from my merchant account. Chase is currently holding multiple completed transactions, including XXXX transactions of {$930.00} each and XXXX of {$920.00}, despite the fact that the customer has already been charged and the payments were successfully processed. These funds have now been held for over 15 days without a clear explanation, resolution timeline, or any meaningful communication. I have sent over XXXX emails and have contacted customer support multiple times, including speaking with supervisors. However, I have not received any resolution. I am repeatedly told that the issue must be handled via email, yet no effective response is provided. This situation has caused severe financial and operational damage to my business : - I lost a major client due to my inability to deliver services - My reputation has been harmed- I am now facing multiple chargebacks initiated by the customer through XXXX XXXX XXXX - I am experiencing financial distress and loss of income It is critical to note that the chargebacks are not due to fraud, but due to Chase withholding funds, preventing me from fulfilling the service. Chases actions are directly exposing me to financial liability while retaining funds that rightfully belong to my business. I am requesting : 1. Immediate release of all withheld funds, or XXXX. A clear written explanation, including justification and a resolution timeline This is an urgent matter involving financial harm caused by Chases failure to act. I am prepared to provide all documentation, including emails, transaction records, and communication history, to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-04-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: KY

Complaint narrative:
I am a XXXX XXXX cardholder and have been unable to access my funds since the beginning of this month due to my account being locked. I currently have approximately {$550.00} that I can not access. I have spent close to XXXX hours on hold attempting to resolve this issue. When I finally reached a representative, I was required to complete identity verification under unreasonable time pressure ( I had held so long that I was on the commode when they picked up ). He told me I had XXXX minutes to get the info. I made it ( under great duress ) and despite providing correct information directly from my identification, I was told the information was incorrect and was not allowed to try again. I was then told I would have to call back and repeat the process. I am completely convinced he lied abt the information being incorrect because I complained abt being given XXXX minutes after holding for close to XXXX hours. I have made repeated attempts to resolve this issue, but I am being prevented from verifying my identity and accessing my funds. I have no access to my benefits at this time. This situation is causing serious financial hardship, including inability to pay essential bills. XXXX lost insurance on my vehicle and will never get it back at the amazing rate I was receiving at my age. That's just XXXX of the hardships this has caused me. I am requesting immediate assistance in restoring access to my funds. I've held the phone, at various times, over XXXX hours at a time until I had to hang up. I am convinced they don't have anybody working the first week of the month. Anyway, I already have another bank set up, ready to go. Trust me, I don't want anything ever to do with direct express again, but it's too late for the next deposit so I am going to be XXXX months now with no income. If not for my children, I couldn't even eat. Luckily I had paid the utilities in the few hours I had before they cut off my card. I can't live like this another month. I don't think I'm stable enough to call them back. Please help me. I've had direct express for probably close to XXXX years. I just was lucky that I'd never had a problem. This is not the only way they have hurt me. It's just the most dire. If you would like to hear I can tell you how I have been treated after becoming representative payee for my mother and uncle. Because I'd never had a problem I chose to have their money come through them too. Anyway, that's a different complaint. I desperately need help right now getting access to my funds. Just please don't make me talk to another rude teenager on the phone and have to explain my bodily functions to them. I'm in my sixties. I never thought this would be my life. I taught teenagers, I didn't think I could ever be surprised by someone's rudeness... I was wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I believe there's a mistake my loan shouldnt of been on default it should of been on XXXX, AND only because I was on XXXX and I had to see a rehabilitatjon out patient XXXX and I spoke with XXXX XXXX XXXX about my situation.So also IF I qualify for a federal XXXX XXXX and I don't use it the yr i regester for XXXX and will it allowe me to use some of the federal XXXX XXXX money to pay off the XXXX XXXX I owe? That's my concern cause I'm not working but Im regester to Start school in XXXX, out of state University as an Environmentalist to the state of main.please help me remove from default I had 2 letters to give to the department of XXXX for ur time The servicer company is ECMC-CA LOANS.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently transfered XXXX to this account after opening online and when I did so they put a hold on my account and said I had to come in to a local branch well im not even from a state that has a fifth third so I asked for a online process they refused. So I asked to close my account which they denied and locked my online mobile banking options and said I still had to come into a branch its been over 14 days and they keep saying a supervisor will call me to discuss I have not received one call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 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: Chime Financial Inc
State: UT

Complaint narrative:
My name is XXXX XXXX ( Phone : XXXX ). On XX/XX/year>, Chime charged my account {$53.00} for a " XXXX XXXX ''. I was presented with an offer in the app, but the {$53.00} fee was not clearly disclosed before I accepted. I did not provide informed consent for this charge. I do not want the card and I want a full refund. I already contacted Chime by phone and they refused to help me in Spanish or reverse the charge. This is a deceptive practice and a violation of Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/year> ( XXXX ), I was contacted by Bank of America asking me to confirm to large payments that a company ( XXXX ), was attempting to charge to my credit card. I confirmed they were not my purchases. The same day I received emails from the vendor confirming tickets had been isssued ( for the XXXX XXXX ). I contacted the bank via the number on the back of my card offering to send the emails and was told that they would contact me if they needed the info. In XXXX my claim was denied by the bank. In mid XXXX I made numerous calls ( documented ) however not once was I allowed to speak to anyone in the claims dept. I did have at least XXXX agents who were helpful and managed to get the documentation from Bank of America. The perpetrator did have my email, account details and my XXXX did get passcode. However on reviewing the material, the vendor acknowledged that the order was placed with the vendor telephonically and the number used was XXXX. This is not my number nor have I ever had this number.

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adela, Inc
State: TX

Complaint narrative:
I pulled my credit report, and the account was reporting to my credit. I sent a letter to the collection agency and they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX and Experian regarding inaccurate and unverified information being reported on my credit report. I disputed an account reported by XXXX XXXX XXXX with Experian. The account continues to be marked as verified and updated, yet no documentation has been provided to support the accuracy of this account. I have requested validation directly from the furnisher, including the original signed agreement, chain of assignment, and date of first delinquency. To date, this information has not been provided. Experian has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA 611 ). Instead, they appear to rely solely on automated responses from the furnisher without reviewing actual documentation. Additionally, the failure to provide the Date of First Delinquency raises concerns about improper reporting and potential violations of FCRA 605 ( c ). I am requesting : Immediate deletion of this account from my credit report Documentation showing how this account was verified Investigation into XXXX XXXX XXXX for furnishing unverified information This matter has caused ongoing harm to my creditworthiness. If not resolved, I will pursue further legal remedies for willful noncompliance.

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