vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NV

Complaint narrative:
Cash App closed/deactivated my account and basically gave me zero real explanation other than activity that violates Terms of Service . I dont do fraud, scams, chargebacks, or anything sketchy. I used Cash App for normal personal spending + personal transfers because of the card rewards/cashback. 

The timing makes no sense because the day before it happened I made a normal in-store grocery purchase : XXXX {$21.00} Wednesday at XXXX XXXX  In-store purchase Paid using {$18.00} cash balance + {$2.00} free overdraft coverage Transaction completed successfully Then the next day my entire account gets closed. 

Now the bigger issue : Cash App shows I have an overdraft balance of {$2.00} but the app literally wont let me pay it back because your account is closed so you wont be able to continue. So they closed my account, left me overdrafted, and blocked the repayment process. Im worried they could send this to collections or report it even though theyre preventing me from paying it. 

Cash App still will not tell me : what exact ToS section I violated what transaction supposedly triggered it or give me any real way to appeal or fix it What I want fixed 1. I want the real reason the account was closed with the exact policy/ToS section and what transaction triggered it.

2. Either reopen my account OR give me an alternate way to pay the overdraft balance immediately.

3. Confirm in writing that nothing will be sent to collections or negatively reported related to this overdraft while the app is blocking repayment.

4. A real human review, not an automated copy/paste response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Company : Synchrony Bank XXXX : Credit cards ( CareCredit, XXXXXXXX XXXX XXXX Amazon/Synchrony ) I am submitting this complaint to formally dispute Synchrony Banks XXXX XXXX close multiple credit card accounts, on XX/XX/year> ; without advance notice, despite all accounts being in good standing at the time of closure. 

At the time my accounts were closed : All payments were current No accounts were delinquent Balances were modest relative to the credit limits My overall credit profile reflected excellent credit standing Some of these accounts had previously experienced unauthorized use in the past. Those incidents were promptly reported, resolved, and confirmed as not caused by me. No fraud losses or misuse remained outstanding on my part. 

Despite this, Synchrony Bank abruptly closed all of my accounts simultaneously, including accounts with remaining balances that I am continuing to repay as agreed. I was not provided advance notice or a clear explanation prior to the closures. 

I am not disputing Synchrony Banks general right to close accounts. However, I am formally disputing the basis and handling of this closure decision, and I am requesting the following : XXXX. A written explanation of the specific reason ( XXXX ) for closing all accounts simultaneously XXXX. Confirmation that all accounts are being reported accurately to the XXXX XXXX as closed by creditor and paid/current as agreed, with no adverse, fraud-related, or abuse-related remarks XXXX. Confirmation that prior unauthorized use has not been incorrectly used to negatively characterize my XXXX  profile XXXX. XXXX that I retain full access to repayment options and account servicing for any remaining balances Given my long-standing responsible use of credit and strong credit profile, I am requesting that Synchrony Bank review whether the closures were the result of an automated or inaccurate risk assessment, and whether reconsideration or reclassification of the closure reason is appropriate. 

I am seeking transparency, accuracy in XXXX XXXX, and confirmation that no improper negative information is associated with my credit file as a result of this action.

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 2026-01-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft and because I do not have access to the credit bureau 's online portal I am submitting my dispute here so that the CFPB has a record. Attached is my dispute letter, a copy of my driver 's license, a copy of my W2 and a utility bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a business account at Chase and was told the account would be linked to my personal accounts and I use the same login to access all three of my accounts. One of the accounts was not being used for several months and the balance dropped below the individual limit, but across all three of my accounts, the balance never dropped below XXXX, and their policy is that as long as all your accounts total over XXXX, the minimum balance is waived. I realized after some time, that I had been being charged a low balance fees on one of the three accounts ( personal checking ) in spite of my balance never dropping below XXXX. When I contacted them, I was told that they are only willing to waive the low balance fees on one month. I find this absurd, since I have always kept hte combined balances above XXXX. I was told that the accounts actually aren't linked by customer service, and that the business account does not count. I believe this is extremely misleading given the fact I was initially told they are all linked, and I use the same account login to access all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Hyundai Motor Finance rejected a valid leaseend payoff from my bank without notifying me, returned the funds without documentation, and is now treating my lease as in default. 
I attempted to purchase my vehicle at the end of my Hyundai lease, which ended on XX/XX/XXXX. I obtained an auto loan through XXXXXXXX XXXX using the official payoff quote provided by Hyundai Motor Finance. XXXX funded the loan in early XXXX, and my first loan payment was withdrawn on XX/XX/XXXX. 
Hyundai Motor Finance is now claiming that they rejected the payoff because it did not come through a Hyundai dealership. They never notified me or XXXX of this rejection. They state that they returned the payoff funds on XX/XX/XXXX, but XXXX has no record of receiving any returned payment. XXXX shows my loan as active and fully funded. 
Hyundai then sent me a letter demanding immediate return of the leased vehicle and marked the account as in default. This situation is not due to any action or inaction on my part. I followed the payoff instructions, secured financing, and made payments on time. Hyundais failure to communicate the rejection of the payoff has created a false default and threatens my credit. I have been in contact with Hyuandai and been escalated to multiple people with them telling me no matter if i have no communication about this matter, they're putting my car in default.

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Account XXXXXXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
The vehicle was repossessed on or about XX/XX/year>. After the repossession, I requested documentation substantiating the alleged default and repossession, including proof of authority to repossess, tow and storage records, notice documentation, and a clear chain of custody. The company provided an Affidavit of Defense and a Notice of Sale dated XX/XX/year>, but failed to provide complete, verifiable, or consistent records supporting that the repossession was conducted lawfully, including the absence of tow or police activity records. Despite sending a written Notice of Dispute pursuant to the arbitration agreement and requesting resolution, the company has not meaningfully addressed these deficiencies or substantiated its actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
They keep calling every day from different numbers and are harassing me about money I gave back theyre equipment from XX/XX/year>XXXX  and they reported collections on my credit that is hampering me from getting or wanting to use my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I attempted to make a payment to my XXXX student loan using my Credit Karma Money account. The transaction showed as pending, but the payment never went through. 

I contacted XXXX, and they confirmed that the payment was returned due to insufficient funds and that they never received the money. I was told that once the payment failed, the funds should be returned to my Credit Karma account within XXXX business days. 

The amount of the failed transfer was {$500.00}. 

As of XX/XX/XXXX, the funds have not been returned to my Credit Karma account, even though more than XXXX business days have passed. 

I have emailed Credit Karma multiple times regarding this reversed transfer / withdrawal, but I have not received any response and no timeline has been given for when my money will be returned. 

This money is missing from my account even though the payment was never completed, and I need it returned immediately. I am requesting that Credit Karma investigate this failed transfer and return the {$500.00} to my account without further delay

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2026-01-13 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: Block, Inc.
State: TX

Complaint narrative:
I need intervention this time, I have made several complaints against Cashapp and 2 merchants that charged my account several times without any results, Cashapp has since closed my account due to " suspected fraudulent activity that goes against their standards '', I have reached out numerous time and have disputed charges from the 2 merchants and on one of the merchants they approved a small portion of them as " fraudulent '' and refunds were given, but not all of them, they also tell me because my account is closed they are no longer obligated to recover the money fraudulently stolen from my account, please help me recover the money that has been stolen from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
b'Ponzi Scheme. I was contacted via XXXX  about a remote job opportunity. I agreed. I was told that all I had to do was complete tasks (rate consumers business for a profit) . Some of the tasks (package tasks) would o!er a high profit but would put my work account in a negative balance if I didnt have enough funds on my account. I would then deposit money into that work account to bring it out of the negatives and continue my tasks. My mentor XXXX  XXXX  assured me that all I had to do was deposit the money and I could continue. It came to a point my account was XXXX  I was told by XXXX  to deposit XXXX to bring it out of negative and I would be able to withdraw my profit. I deposited XXXX along with the other previous deposits and then I received a package task that brought my account into XXXX. I decided to leave the platform alone. They messaged me saying was a lucky winner and they deposited XXXX into my account which brought my account to XXXX. My mentor pressured me into depositing more into my account or my account would be frozen due to inactivity. I deposited XXXX. Customer Service then told me the merchant is giving me 24 hours to deposit the rest of the funds and complete the tasks or my account would be shutdown. This sounded fishy so I began to do research. XXXX  then told me XXXX  was a scam and they lure people in to get their information and take peoples money with promises of higher returns. I want to figure out a way to get my money back. All USD\nTransactions\n- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My debit card was used for multiple unauthorized transactions that I did not make, authorize, or benefit from. 
After discovering the fraudulent activity, I promptly reported the unauthorized transactions to Bank of America and filed fraud disputes as instructed. 
The claims were opened on XX/XX/year> ( approximately {$260.00} ), XX/XX/year> ( approximately {$1000.00} ), and XX/XX/year> ( approximately {$310.00} ). 
Bank of America completed their investigations between XX/XX/XXXX and XX/XX/year>, and denied all of my fraud claims. I was not provided with a clear or reasonable explanation for why these unauthorized debit card transactions were not reimbursed. 
I acted responsibly and reported the fraud as soon as I became aware of it. I believe the denial of my disputes is incorrect and inconsistent with consumer protections for unauthorized electronic fund transfers.

1 am seeking assistance to have Bank of America properly review these claims and refund the full amount of the unauthorized charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been locked out of my Chase bank account for approximately XXXX months after changing my phone number. I no longer have access to the old number previously associated with the account. 

I have contacted Chase customer service numerous times and have already provided my updated phone number. However, Chase states they can not verify my identity and refuses to complete verification through any appropriate alternative means. 

Chase has told me that the only way to resolve this issue is to visit a physical branch. This is not feasible because I currently live abroad. Despite this, Chase has not offered any remote, reasonable, or secure identity verification option. 

As a result, I am unable to log in to my account, view my statements, or pay my bills. I am effectively locked out of my own bank account with no path to resolution, despite being the rightful account holder and having valid government-issued identification. 

I am requesting that Chase complete identity verification through an appropriate remote method, update my contact information, and immediately restore my online account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: TX

Complaint narrative:
Practitioner : Licensed Massage Therapist & Transformational Healing Strategist Ref : Transaction ID XXXX XXXXXXXX ( Square/Afterpay ) Statement of Fact : " Services Malpractice ( UDAAP ), and Unauthorized Withdrawals. Transaction Error ( XXXX XX/XX/XXXX Receipt # XXXX ) : Due to a failure in the XXXX interface regarding undisclosed installment limits, a {$3000.00} transaction ( XXXX ) for a XXXX program resulted in a double charge for my client, showing only XXXX charge for the transaction on my micro-business merchant account. I called both Square and Afterpay XXXX for resolution, receiving nothing but canned responses and admission that transactions approved for XXXX installments are capped at $ XXXX. After more than 30 days of silence from XXXX, I proactively issued a {$1500.00} refund ( mutually agreed upon by the client as the program continues through XXXX XXXX. ) on XXXX XX/XX/XXXX ( Receipt Attached in PDF ). Square/Afterpay at no time contacted me to notify me of intent to protect me as a Merchant by showing XXXX there XXXX only XXXX charge in the Merchant side.Breach of Contract & Unauthorized Withdrawal : Despite my refund, Square issued a dispute on XXXX XXXX On XXXX XX/XX/XXXX, Square bypassed its XXXX response deadline and withdrew an additional {$1500.00} without authorizationa duplicate recovery seizing {$3000.00} for a {$1500.00} issue. XXXX & XXXX XXXX : This unauthorized XXXX of funds during a family medical crisis prevented me from purchasing clinical supplies and maintaining my vehicle ( XXXX miles ), forcing a XXXX extension of client containers, not to mention the holiday season and end of my fiscal year. XXXX XXXX XXXX XXXX XXXX a completely separate incident, XXXX ignored the cancellation of Invoice # XXXX ( {$7900.00} ), resulting in a fraudulent XXXX filing of approx. XXXX XXXXXXXX higher than my actual revenue. Resolution Requested : Immediate reversal of the {$1500.00} withdrawal, correction of XXXX income reporting, and investigation into bad-faith protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: NJ

Complaint narrative:
They included a false employer that im not working at.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
XXXX XXXX XXXX turned me over to their collection agency lawyer to see me for the funds owed on the account even after the account had been tried to be settled by me with the original creditor. The collection agency filed suit in XX/XX/XXXX the case was dismissed because they did not show up for the hearing. Then there was another hearing in XX/XX/XXXX, which I was not notified about either by summons phone call or US mail because I wasnt notified. I didnt show up and the judgment was rendered on their behalf. They are just now filing a notice of rights to exempt property and trying to seize my accounts and will not return my phone calls or my emails, but my question is is why I was not served with a son is to come to court for the XX/XX/XXXX hearing and why Im just now almost 7 months after the original decision was made being served with a notice to exempt property and if I have 20 days from the service was issued that was issued on XXXX of XXXX its now XXXX XXXX and that only gives me about five more days to file the form. I think this is sneaky and illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Someone tried to fraudulently use my account which resulted in account closure. The date of closure was on XX/XX/year> due to suspected fraud activity in the amount of {$750.00}.

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