vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
The first of XXXX I believed the XXXX I had {$2400.00} of credit limit with Acima Leasing and I used them to purchase items from XXXX online.XXXX  purchased some jewelry about a {$1000.00} or so worth through Acima through XXXX and I changed my shipping address to XXXX XXXXwhere Im currently working and my billing address was in Louisiana where I dont live anymore.Well some thing glitched in the app probly because I was on the XXXX website through the Acima app and I made the order with my correct shipping address in XXXX XXXX  and when I placed the order the screen turned white and kinda froze up but I didnt think any thing well a few days later I get a call from a XXXX XXXX  driver saying they are dropping my items of in XXXX Louisiana I told him you made mistake that is not my shipping address. Anyways they hung up the phone I could never get back in touch and I have been fighting with Acima and XXXX for a month to cancel this XXXX lease where I never recieved the items or anything. And also Acima charges XXXX! $ for a lease agreement well after I all this happened and I have been trying to get the XXXX lease canceled, I seen where my original credit limit was {$2400.00} and now after all this XXXX thats went on its {$2300.00}, makes me think Acima is try n to tack that {$49.00} lease agreement on my old lease for my tires and trying to get me to pay the lease agent fee on items from XXXX that I never recieved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: SC

Complaint narrative:
Not sure of the dates I'm sure it say XXXX of 2025 but I have no recollection of this account. Im a XXXX veteran in the process of buying a home but this has affected my scores to the point I can't even receive my loan for that.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
15 USC 1681i When making payments they never took the payments out of my account. I have bills coming out and when I pay my bill I expect for the money to come out.

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 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I have had multiple successful disputes through my cash app account, with the merchant 'XXXX  '. Many users have been having problem with XXXX, similar to my issue. I continuted to file 2 more disputes pertaining to previous unauthorized transactions and abruptly my cashapp account got closed while i had the two disputes are on-going. I can see in the respected cashapp support menu the two disputes are still there, but im not sure the next process because the account being closed. IE ; if approved where will my funds be sent, the difference in time frames due to the account being closed ( if the process will take longer or not ). Account was listed as closed for 'fraudulent activity ' when i have successful disputes going in my favor. I have attached screenshots of successful disputes pertaining the same problem, along with some transcripts showing XXXX  has lied. If need be i can send more documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I attempted to use my card with XXXX through XXXX XXXX. The transaction was declined and the bank sent me a notification that my account has been frozen and to call their number. I called their number, sat on hold and was told that there was nothing they could do to reopen my account, in which I became confused because I was never notified of closure, only a freeze. I then was told that I was told this in error and that they would transfer me to a specialist team who can review. The hold time exceeded an hour and so I decided to try chat. Upon trying chat, the hold time was two hours and I was told the same thing except this time the specialist team told me that there wasn't anything I could do except " wait for an update since my account is under review ''. I explained that I should be allowed to know how I can assist in verifying who I am or my transactions to unfreeze. They continued with there was nothing to be done except wait. I became increasingly frustrated as I explained its not realistic to wait for an update about something we didn't know was an issue when nothing on the account has happened to my knowledge. They then told me that while it's frustrating, holding my funds was ok and that the review has no timeline or expectations except just " wait ''. This feels deceptive and unfair for my account and money to be held with no recourse or option of timeline. They explained I needed to continue to wait and ended the conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: IN

Complaint narrative:
I tried to make a purchase at XXXX and it was declined for no reason. They then froze my account completely. For literally no reason. I even told them that it was ME that tried to make the purchase. I talked to three different people through their online chat. Someone on the phone AND a manager and no one can tell me what happened or fix the problem. They keep telling me that I have to wait for someone via EMAIL from the resolution team. But not even a time frame for when it will be fixed. Holding {$700.00} hostage. And refuse to unfreeze my account. I'm going to get evicted if they don't give me access to my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I called Chase to ask for negotiations on credit card debt since they wouldnt stop sending letters when I asked them to cease all communication, i recorded the call and he tried to say well that didnt include letters all communication should be ceased if I ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Im following up on my previous complaint about my PNC Bank account. On XX/XX/year>, I received a notice that my account would be closed on XX/XX/year>. The notice did not provide any specific reason for the closure, and I have never engaged in fraud or any suspicious activity. Because of this closure, I am currently unable to pay bills or access XXXX XXXX, which is preventing me from completing important transactions, including getting to work. The timing of this closure, coming so soon after my complaint, makes me concerned that this may be retaliation for exercising my rights to dispute errors and seek assistance through the CFPB. I am requesting that this closure be formally reviewed and that confirmation be provided that it will not be reported as negative information under my name. 

M

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding Synovus for failing to release my remaining funds after closing my account.

My account with Synovus was closed following a review/investigation. I was informed that once the account was closed, any remaining balance would be released to me by check or other lawful means. As of today, I have not received my funds, nor have I been provided with a clear explanation or timeline for when they will be sent.

Despite multiple attempts to contact the bank, I have received inconsistent responses or no response at all. The bank has not identified any active legal order, levy, or government seizure that would justify withholding my funds. To my knowledge, there is no lawful basis for the continued retention of my money.

The banks failure to release my remaining balance has caused financial hardship and appears to be an unfair and unreasonable delay. Financial institutions are not permitted to indefinitely withhold customer funds once an account is closed unless legally required to do so, and no such requirement has been communicated to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OR

Complaint narrative:
am the verified account holder of a Cash App account that was closed. A Cash App representative informed me that my account was still accessible and instructed me to log in to retrieve my tax documents, transaction history, and any remaining balance. 

When I attempted to log in using the information associated with my original account, the system required me to create a new account, which resulted in loss of access to my original account records. 

I contacted Cash App support multiple times requesting my tax documents, full transaction history, and remaining account balance. Cash App has refused to provide these records or funds and issued a final response closing my complaint without resolution. 

These records are necessary for tax filing purposes. I am requesting immediate access to my records or secure delivery of all documents and any remaining balance associated with my original account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
There was a notarized instruction from stating I wanted to deposit funds from my deceased mother 's XXXX XXXX account to be deposited into my JP Morgan account which I never opened. According to XXXX XXXX 's records, the transaction was completed in early XX/XX/year>. 

The accounts are no longer generating correspondence, as the shares have been sold/transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: FL

Complaint narrative:
I checked my credit report only to notice this debt has been add but was never notified and it has affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: OH

Complaint narrative:
XX/XX/26 at XXXX XXXX  credit karma spend said my account was locked for no reasons. I had XXXX. And some change. In my account. Just constant transfers and no response. Their playing games.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I am filing this complaint because Pressler , Felt & Warshaw , LLP pursued a collection lawsuit against me without properly serving me, obtained a default judgment without my knowledge, and then initiated wage garnishment without providing any notice. 

I only became aware that a lawsuit even existed when my employer sent me garnishment paperwork to my home on XX/XX/year>, which included a judgment order for {$1100.00}. This was the very first time I saw anything related to this case. 

I was never served the summons or complaint, and the firm claims I was served at an address where I have never lived. Because I was not properly served, I had no opportunity to defend myself or appear in court. This makes the judgment invalid and the garnishment unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint against Resurgent for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g and 15 U.S.C. 1692f. 
This agency is attempting to collect a debt from XXXX XXXX XXXX  that I do not owe. I have never opened or maintained an account with XXXX XXXX XXXX. Despite my requests for validation, the company has failed to provide any evidence linking me to this debt. Instead, they sent a statement and a police report affidavit for a XXXX XXXX in XXXX XXXX, Virginia. 
I am a lifelong resident of New York and have never lived in Virginia. While our names may be similar, I use my full name for all financial matters, and the person listed on the account is clearly a different individual.

By continuing to send collection notices after being informed of this error and failing to provide documentation that proves my liability, the agency is engaging in unfair and deceptive practices. I have previously requested that they cease and desist communication, yet they continue to harass me for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company : Capital One Auto Finance Product : Auto Loan I am submitting this complaint regarding improper handling of my auto loan following a voluntary surrender on XX/XX/XXXX. 
I financed a vehicle through Capital One Auto Finance and purchased a GAP insurance policy at the time of contract signing on XX/XX/XXXX, through a XXXX dealership. The GAP policy was administered by XXXX and was included in the retail installment contract. 

Following the voluntary surrender of my vehicle, Capital One Auto Finance failed to follow legally required post-repossession procedures, including : Failure to provide a post-sale accounting or deficiency explanation Failure to disclose the auction sale price, date of sale, or calculation of the remaining balance Cancellation of the GAP insurance policy without applying GAP proceeds or refunds to the loan balance To date, I have never received written notice detailing the auction sale, fees deducted, net proceeds applied, or an explanation of how the remaining balance was calculated. These failures violate California Civil Code 2983.2 and UCC 9-616 and undermine Capital Ones right to collect any alleged deficiency balance. 
I have sent written demand letters to Capital One Auto Finance, the dealership ( XXXX ), and the GAP administrator ( XXXX ), requesting documentation and correction of my account. These issues remain unresolved. 



I am requesting the following resolution : 1. Full post-sale accounting and auction sale details 2. Application of all GAP proceeds or refunds to my loan balance 3. Correction or elimination of the remaining balance 4. Correction of any inaccurate credit reporting related to this account This complaint is submitted in good faith to resolve these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
On the XXXX of this month, I noticed on my affirm account there was a purchase of XXXX plus XXXX in interest, totaling XXXX for XXXX XXXX. I called them and after being passed to 4 people they said that I made the purchase and they couldn't do anything till it was fully processed but in the meantime it was added to my account. I received a email stating that they were finished with the dispute and I was responsible. I called back and the next guy said he couldn't close out the card as I requested. On the XXXX I spoke to someone else she said she was filing a dispute and asked me did I try to make a purchase for XXXX, I said no why would I with the fraudulent charges it made my account reach the limit. She then said the account was closed and that I was being issued a new one. Now she said it would take 45 days to settle. I have never received the purchase amount in my XXXX account so where did it go? She didn't have a answer. I have proof I never received it and I don't know how the purchase was made but they should see where the funds went. I can not afford to pay this, I didn't do it. I am still charging my rides for XXXX to my XXXX XXXX  and bank. I need help. I asked her if she ever heard of hacking, no answer.I also tried to contact XXXX but they don't have a phone but their email said they would look into it.Please let me know what documents you need. I am assuming whoever made the purchase has to have a different URL.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
I got an email on XX/XX/2025 of a credit request being approved and an order being shipped. The order was being sent to an address in XXXX XXXX XXXX  where I do not live. I noticed that the billing address was under my name and address. I called the company notifying that it was not me and I am a victim of identity theft.They said they will do an investigation taking 30 days. I also froze my credit report for all three credit companies that day. I received a bill in the mail on XX/XX/XXXX that I owed {$25.00}. I immediately called them saying that I will not be paying for the bill since I notified the company on XX/XX/XXXX that was not me opening a store credit account and ordering from them. They again told me it was going to be a 30 day wait for an answer. I have no news yet but I will be sending a letter created on XXXX to the company soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. This letter is a formal request for validation of this debt, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The amount of the debt, including an itemized breakdown of any interest, fees, or charges 2. The name and address of the original creditor 3. Copies of any documents showing I am legally obligated to pay this debt 4. Proof that you are licensed or authorized to collect this debt in my state 5. Documentation showing the debt has not passed the applicable statute of limitations Until you provide the requested verification, please cease all collection activity, including reporting this account to any credit reporting agency. 

This request is not an acknowledgment of liability nor a promise to pay. I am requesting this information to verify the accuracy and legitimacy of the alleged debt. 

Thank you for your cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Credit karma locked my account Account locked after deposit No prior notice No access to funds Stranded / financial hardship

Company response to consumer: Closed with non-monetary relief