vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: MS

Complaint narrative:
Someone had been using my card for about XXXX months. Each month spending XXXX and XXXX dollars. Unfortunately i didn't notice until XXXX of XXXX, I reported the unauthorized excessive charges on my card the following day. The company conducted an investigation and confirmed suspicious/fraudulent activity. With the purchases. They advised me to file a police report, which I completed. I also provided the transaction details they requested. The charges appeared anonymous/unrecognized to me. I was only refunded XXXX due to it being XXXX days of not reporting. I normally don't have to check my account but this time was different. My company Direct Express really could've helped more. Amount - {$100.00} Date XX/XX/XXXX Description Card Purch W/ Cash Back XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$52.00} Date XX/XX/XXXX Description Card Purch W/ Cash Back XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$100.00} Date XX/XX/XXXX Description Card Purch W/ Cash Back XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} Date XX/XX/XXXX Description Card Purch W/ Cash Back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XX/XX/XXXX Description Card Purch W/ Cash Back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$100.00} XXXX XX/XX/XXXX Description Card Purch W/ Cash Back XXXX XXXX XXXX XXXX XXXX Amount - {$100.00} XXXX XX/XX/XXXX XXXX Card Purch WI Cash Back XXXX XXXX XXXX XXXX XXXX WA Amount - {$39.00} XXXX XX/XX/XXXX XXXX Card Purchase XXXX XXXX XXXX XXXXXXXX XXXX Amount - {$100.00} Date XX/XX/XXXX Description Card Purch W/ Cash Back XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint against the XXXX XXXX XXXX ( CRA ) regarding the continued reporting of unauthorized and fraudulent hard inquiries. I am exercising my legal right to protect the privacy of my credit data and to ensure that all information reported on my file is strictly accurate and legally authorized. Specific Unauthorized Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Non-Compliance : Under 15 U.S.C. 1681b, a CRA is strictly prohibited from furnishing a consumer report without a certified " permissible purpose. '' I have not provided any written instructions, nor did I initiate any credit applications that would grant these entities legal access to my private information. Furthermore, pursuant to 15 U.S.C. 1681e ( b ), the CRA has a federal mandate to follow reasonable procedures to assure the maximum possible accuracy of my credit report. I have attached my official FTC Report ( Report Number : XXXX ) as formal evidence that these transactions are fraudulent. Despite my previous notifications, the CRA has failed to remove these marks, violating the reinvestigation requirements set forth in 15 U.S.C. 1681i. Impact and Financial Injury : The persistence of these fraudulent inquiries is unjustly depressing my credit score and causing me demonstrable financial injury by obstructing my access to essential credit and housing services. A CRA can not legally report data that lacks a verified foundation of consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
In XX/XX/year>, I paid for certified mail and confirmed delivery of a formal notice for National Credit Systems to validate the debt they were trying to collect from me. They did not respond to this debt validation and this disputed charge has continued to affect my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I need to know why Target credit card took two payments from me and reversed a fee but my credit available balance has not increased. I called the phone, I was on hold for XXXX minutes and then another. Hour with an agent who blatantly lied to my face and admittedly lied. And then hung up on me. I made two payments but my available credit has not been increased. I called, I messaged, nobody can give me an answer. The agent I spoke with said that he's the only agent that I could speak to.And the whole TXXXX XXXX XXXXXXXX XXXX, there are no supervisors, there are no leads, and there are no managers, according to these agents. On the phone, I spoke with a representative. His name is XXXX, XXXX number. XXXX ' and he admittedly lied about the information that he gave me. So how am I supposed to believe and trust in the company that I'm paying my hard earned money to if I can't even use a credit card? That they provided to me even after I paid multiple payments in one month. This is absolutely ludicrous. I've never heard of anything like this and it's unacceptable. XXXX red card. Customer support. Lies and bounces their customers from agent to agent. Keeps them on hold for XXXX to XXXX minutes hoping that they will hang up the phone and give up. Or when they do come to the phone, they lie and mislead and give half and vague answers and expect a paying customer to just accept that. And be OK with that after they've paid their money and pay their monthly payment on time or early, but yet still can't make purchases with the credit card that they paid on. I am a new customer and I am not at all impressed by this. This is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have been incarcerated since XXXX XXXX I was just released on XX/XX/year>.. I am a XXXX who gets monthly XXXX XXXXXXXX payments and while I was in jail someone got access to my account and stole all my moneyit totals about XXXX all together since I learned my money was stolen I have disputed the unauthorized transactions XXXX times and sent in proof of me being in jail for the last year and they have denied my claims saying no error has accorded you can clearly see I had no way to authorize the transactions since I was in year and who they went too..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I received an email in XXXX stating my XXXX extras XXXX ending in XXXX would be transferred to the synchrony world premier XXXX because the XXXX extras XXXX was ending. It was never transferred and says it didnt qualify. Your eBay Mastercard will be replaced with a new Synchrony XXXX XXXX XXXX. Please note, we may not send you a new card if your account is closed or otherwise not in good standing. You will be receiving your new Synchrony XXXX XXXX XXXX around XX/XX/XXXX, and once activated, you can start using your new card on XX/XX/year>. With your new Synchrony XXXX XXXX XXXX, you will earn XXXX XXXX cash back on every purchase, subject to credit approval. Your cash back is unlimited and gets credited to your statement every month, automatically. Any balance on your eBay Mastercard will be automatically transferred to your new Synchrony 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 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
Central Portfolio is reporting account number XXXX to my credit report i have contacted this company to inform them of my identity being stolen and used to open up this account. I have also included this account number in my FTC report. I am requesting this account too be removed from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate a disputed account. They claimed verification but failed to provide any documentation or method of verification. This violates FCRA requirements for reasonable investigation and accuracy. I request immediate deletion of the account and correction of my credit file. As of XX/XX/year>, Equifax claimed the collection debt from XXXX XXXX XXXX XXXX XXXX was verified. The collection reported on XX/XX/year> the balance was {$15000.00} The collection reported on XX/XX/year> the balance was {$16000.00} Why would the balances change on the same date if you " investigated '' the matter? DEMAND : Delete the account, provide verification method, supply ALL documentation, and identify the verifying party within XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MA

Complaint narrative:
I am requesting assistance regarding two late payments reported by my federal student loan servicer. These late payments occurred during the nationwide student loan repayment restart after the federal payment pause. Like many borrowers, I experienced confusion during the transition back into repayment. My loans are now fully current and have been paid on time since. These two late payments are the only negative marks on my credit and are significantly impacting our ability to obtain a home equity loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mortgage Research Center, LLC
State: HI

Complaint narrative:
I requested the Deed in Lieu process for my VA loan acquired property in XX/XX/year>. The official Deed in Lieu process wasn't started until XX/XX/year>. I was told by XXXX XXXX XXXX that the sooner I vacate the property, the faster this Deed in Lieu process will be completed. Although we moved out of the property in XXXX, and the place has been empty, I'm still required to pay the {$1800.00} in monthly HOA fees, or I will have collections attorneys after me missing 2 months of HOA payments. I keep getting told that the process is stalled " because of the VA '' Were waiting on the VA. This isn't XXXX XXXX XXXX, its the VAs fault because they havent released the loan information after the refinance. " There is no time line provided on when this will be resolved. '' I'm not able to keep paying the {$1800.00} a month in HOA fees and trying to pay for a new place. I'm currently homeless, and temporarily staying in the back of my friends house for meals and WIFI access, showers, etc .. My girlfriend has left me, and I can't blame her. Why were we told to move out of the condo, when XXXX XXXX has made no requests for inspection of property? We could still be living there and not paying for another place... ( but instead, I'm paying for XXXX places now ) Why does XXXX XXXX not reply to my emails? Why does XXXX XXXX not reply to the VA emails? Why does XXXX XXXX not update me, ( the veteran ) on the delays and what they're doing to mitigate the delay? I feel like XXXX XXXX is not operating ethically, especially during this Deed in Lieu process. I feel like the are not providing the advertised support for veterans. I am homeless, still paying for the old property HOA fees at {$1800.00} a month, and trying to pay for another place to live. My savings are now depleted, and I have no other monies to survive. I'm a XXXX XXXX XXXX and XXXX XXXX veteran form service connected XXXX. Please start a formal investigation on the handling of my 'Deed in Lieu ' case and determine whether XXXX XXXX XXXX is operating ethically for XXXX persons. Please let me know how I can help.

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 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
I am submitting this complaint regarding Bridgecrest Acceptance Corporation in connection with an auto loan for a XXXX XXXX XXXX XXXX ( Account No. XXXX ). At the time of purchase, I was informed by dealership personnel that certain add-on products, including GAP coverage and LoJack, were required in order to obtain financing and complete the purchase of the vehicle. I was told I could not purchase the vehicle without these products. However, the written contract clearly identifies these products as optional. XXXX witnesses were present and can corroborate that these products were represented as mandatory. On XX/XX/XXXX, I sent a certified letter formally canceling all ancillary products and requesting : - Cancellation of GAP, LoJack, and any other add-ons - A prorated refund of all unearned premiums - A full accounting of charges and refund calculations- Adjustment of my loan balance -Or a complete rescission of the contract and I give the vehicle back in return. This was my third attempt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am filing a complaint regarding my account with USAA Federal Savings Bank, which was restricted approximately 34 months ago due to suspicious activity. At that time, I was informed that USAA would no longer continue a banking relationship with me and that my account would be closed. I was explicitly told that a check containing my remaining account balance would be issued within 6090 days. After waiting, I followed up and was told by a representative that a check had been scheduled to be sent on the XXXX. I allowed additional time for mailing but never received anything. After not receiving the check, I contacted USAA again ( XXXX, XXXX ) and was then told that : 1. My account had not even been closed, and 2. No check had been issued at all This directly contradicts the information I was previously given. Now, after several months of waiting, I am being told that my funds are being turned over to the state as unclaimed property instead of being returned to me directly. I was never properly notified of this action in advance, nor was I given a clear explanation as to why a check was not issued as originally promised. At this point : * I have been without access to my funds for over 90 days * I have received conflicting and inaccurate information from multiple representatives * No resolution or clear timeline has been provided * My money is being delayed further unnecessarily I am requesting : 1. Immediate clarification of my account status 2. Written confirmation of the exact amount owed to me which should be around ( XXXX $ ) 3. Immediate release of my funds directly to me OR a confirmed and documented transfer to the appropriate state unclaimed property office with full details 4. An explanation for the conflicting information provided and the delay in resolving this matter This situation has caused unnecessary financial hardship and frustration due to the lack of transparency and failure to follow through on stated timelines.

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Complaint Against Citibank Failure to Prevent Fraudulent Wire Transfers. I am submitting this complaint regarding my banks refusal to reimburse loses resulting from series of fraudulent wire transfers related to an investment scam. Between XX/XX/XXXX and XXXX XXXX, XXXX, I made total of XXXX wire transfers amount to {$310000.00}. XXXX of these transfers were sent by my cell phone to individul recipients within the United States, and XXXX transfer of {$160000.00} was sent by the bank to company in XXXX. Following were the date and amount : Date. Amount XX/XX/XXXX. {$3100.00} XX/XX/XXXX. {$3000.00} XX/XX/XXXX. {$12000.00} XX/XX/XXXX. {$12000.00} XX/XX/XXXX. {$15000.00} XX/XX/XXXX. {$35000.00} XX/XX/XXXX. {$33000.00} XX/XX/XXXX. {$40000.00} And XXXX transfer sent by the bank to campany in XXXX : XX/XX/XXXX. {$160000.00} These transactions were made under the belief that I was investing through a platform call XXXX which I now understand to be a fraudulent scheme. The perpetrators used deception and manipulation to induce me into making increasingly lager transfers over time, a pattern consistent with known investment fraud scams. During this period, my bank identified at least one transaction as potentially suspicious and contacted me. However, this single inquiry was insufficient given the clear pattern of escalating, high-value wire transfers to unrelated individul accounts. The bank failed to take adequate steps to detect and prevent what appears to be a well-known fraud pattern. Specifically : * The bank did not flag or meaningfully intervention despite multiple high-value transfers over a short period of time. * Funds were repretedlly sent to individul recipients, which is inconsistent with legitimate investmentpratice. * The banks monitoring system failed to identify a pattern consistent with with investment fraud. * The bank did not provide sufficient warning or safeguards to prevent continued losses.

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 2026-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BEACON FINANCIAL CORPORATION
State: MO

Complaint narrative:
My mother was an XXXX woman with XXXX residing in a XXXX XXXX XXXX XXXX XXXX Her father established a trust with Beacon Bank & Trust specifically to pay for her care. When her cost of care exceeded her income and the trust 's fixed {$20000.00} annual distribution cap, XXXX XXXX refused to seek judicial modification of the trust language to release additional funds, even though such modifications are a standard legal remedy available to any corporate trustee. The bank acknowledged the language was problematic, proposed a modification path, and then abandoned it without explanation. The bank refuses to explain why. I am asking the CFPB to evaluate how XXXX XXXX treated me as a consumer over six months of correspondence, specifically : refusing to answer direct questions related to their refusal to seek judicial clarification, substituting credentials, sympathy, and suggestions to hire counsel for substantive responses. Communicating adverse decisions orally rather than in writing to minimize accountability. Exploiting the asymmetry between the bank 's institutional resources, a General Counsel, outside counsel, and a three-attorney trust committee, and my position as an uncompensated family caregiver with no access to trust assets. Failing to provide requested account records for over 60 days. A written threat by the General Counsel to use trust assets to deter regulatory complaints. I am asking the CFPB to require the bank to respond substantively to my outstanding questions and to take such other action as it deems appropriate to protect consumers from this pattern of conduct. I am not asking the CFPB to evaluate the bank 's legal obligations as trustee.

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 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
This complaint involves an auto finance issue connected to a vehicle transaction that was supposed to be unwound/refunded. The vehicle is a XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX received the returned vehicle on XX/XX/XXXX, but has not provided lender payoff confirmation, refund confirmation, check tracking, or written proof that the finance obligations are being resolved. We paid a {$5000.00} down payment and made two vehicle payments. The dealership has possession of the vehicle, but we have not received the refund or proof that the loan/payoff is being resolved. We are concerned that payments, payoff, and credit reporting may be affected while the dealership retains possession of the vehicle and refuses to communicate clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
My account was in good standing with zero balance and never late with a history of over a decade. The company closed my account due to high credit card usage of other accounts ( not synchrony ) which negatively impacted my credit score and even after I called up resolve it the customer service relations manager told me told me they could do that and when I asked what about my other synchrony card. He said they might close that one down as well. Very condescending unhelpful and provocative.

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