vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC
State: MO

Complaint narrative:
b'To: Consumer Financial Protection Bureau (CFPB)\nCompany: GreenSky, LLC / XXXX XXXX XXXX XXXXAccount Number: XXXX XXXX XXXX XXXXnSubject: Dispute of Balance and Disclosure of Negative Amortization/Deferred Interest\nComplaint Description:\nI am writing to formally dispute the current balance and the interest-charging practices associated with my GreenSky loan, funded by XXXX XXXX XXXX XXXX XXXX XXXX\nThe original principal of this loan was XXXX To date, I have made consistent payments totaling XXXX Despite repaying nearly 60% of the original principal amount, my current balance is XXXXhigher than the day the loan originated.\n**I am filing this complaint based on the following: **\nFailure to Clearly Disclose Interest Structure: At the time of origination, it was not clearly and conspicuously disclosed that the "No Interest" period functioned as a deferred interest trap. The mechanics of how interest would be back-billed to the date of origination were obscured, leading to a "ballooning" balance that makes the loan impossible to amortize.\nNegative Amortization: The loan is structured such that standard monthly payments do not cover the accruing interest and fees, causing the principal to increase rather than decrease. This creates a "debt trap" where the consumer can never realistically satisfy the debt through the agreed-upon payment schedule.\nUnfair and Deceptive Acts (UDAAP): I believe the application of several thousand dollars in deferred interest, despite my significant repayment history, constitutes an unfair and abusive practice. The lender has failed to provide a reasonable path to repayment.\nAttempt to Resolve:\nI have contacted GreenSky and XXXX XXXX multiple times to discuss a hardship plan or a re-evaluation of this interest. They have been uncooperative and have failed to offer any meaningful solution other than demanding'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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:
On XX/XX/XXXX I filed a dispute with Cash App because I booked and paid for an XXXX using my Cash app balance and the XXXX host did not provide listed amenities. The Wi-Fi was not working we could not find the Wi-Fi and we reached out to the host letting them know that we could not find the Wi-Fi anywhere. Therefore we could not connect the TV or any of our devices to the Wi-Fi which a TV and Wi-Fi were listed as the amenities on the home but without the Wi-Fi, we could not watch anything on the TV we sent the host a message and a photo and the host left me on read. I requested a partial refund from the host and XXXX XXXX gave the host 72 hours to respond and the host did not so I filed a dispute and cashapp did not resolve it untill XX/XX/XXXX which is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this complaint against * * Experian * * and * * TransUnion * * for ongoing reporting of inaccurate and unverifiable information in violation of * * FCRA Section 611 * *, * * FCRA 605 * *, and * * FCRA 604 ( a ) * *. My Experian credit file continues to report * * inaccurate addresses * * including * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX * * and * * XXXX XXXX XXXX XXXX OH XXXX * *, as well as an * * inaccurate name XXXX XXXX XXXX, * * all of which violate * * FCRA Section 611 * * requiring accuracy and * * FCRA 605 * * requiring exclusion of outdated or unverifiable information. Additionally, Experian is reporting multiple * * hard inquiries * * * * 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 which raise serious concerns under * * FCRA 604 ( a ) * * requiring a permissible purpose and * * FCRA 605 ( a ) * * governing reporting limits, particularly due to the concentration of inquiries on * * XX/XX/XXXX * *. At the same time, my TransUnion credit file is reporting a * * new inaccurate address * * listed as * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which also violates * * FCRA Section 611 * * and * * FCRA 605 * * as it is not associated with me and reflects a failure to maintain accurate consumer data. The continued reporting of these items demonstrates a systemic breakdown in compliance, verification, and lawful reporting obligations required under federal law.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MI

Complaint narrative:
I opened a checking account with U.S. Bank in XXXX and deposited approximately {$18000.00}. After the deposit, I was unable to access my funds. I contacted the bank multiple times, and representatives were unable to resolve the issue. I was then advised to close the account. A bank representative informed me that the account closure would take XXXX business days, and I would receive a check within XXXX business days. However, on XX/XX/XXXX, I was told that the previous information was incorrect, and the process would take significantly longer ( XXXX business days for closure and another XXXX business days for mailing the check ). This delay has caused financial hardship, as I urgently need access to my funds. I am requesting expedited processing and access to my funds as soon as possible.

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 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a complaint against TransUnion for reporting inaccurate information on my credit report and failing to conduct a reasonable investigation. I disputed a collection account that appears on my TransUnion credit report. This account was the subject of a legal case that was dismissed by the court. Despite this, TransUnion responded to my dispute by stating that the account was verified as accurate. This response is incorrect and misleading. The dismissal of the case demonstrates that the debt was not legally upheld. TransUnions continued reporting of this account as verified suggests that they did not conduct a reasonable investigation as required under the Fair Credit Reporting Act. It appears that TransUnion relied solely on the furnishers response and failed to review relevant court documentation or legal records. This does not meet the standard of a reasonable investigation. Account information : Creditor/Collector : XXXX XXXX Account Number : XXXX Court case details : Court Name : XXXX XXXX XXXX XXXX : [ Insert Case # ] Date of Dismissal : XX/XX/year> Outcome : Voluntary Dismissed without prejudice

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Formal Complaint : Identity Theft & Regulation E Violation 1. The Incident : I am a victim of identity theft involving unauthorized online transfers from my Huntington account. This was reported to the XXXX XXXX XXXX Police, and a finalized report was issued : Case # XXXX, approved by XXXX XXXX XXXX on XX/XX/year>. 2. Bank Admission of Fraud : The bank has already partially acknowledged the fraud by reversing several transactions, which moved my balance from {$19.00} to {$100.00}. However, they are still withholding the remaining stolen funds ( approximately {$1400.00} ). XXXX. Legal Violations ( Regulation E ) : Under 12 CFR 1005.11, Huntington is required to provide provisional credit or provide me with the specific evidence ( IP logs and device identifiers ) used to deny the remainder of my claim. They have done neither, which is a direct violation of federal law. 4. XXXX & Accessibility Issues : I am a XXXX XXXX XXXX veteran with XXXX XXXX and XXXX XXXX issues. The bank insisted on an in-person branch visit to collect my undisputed {$100.00}, refusing my request for a reasonable accommodation ( mailing a check ). This requirement creates a discriminatory barrier to accessing my own funds. 5. Financial Hardship : I am currently pursuing a Bachelors in Accounting at XXXX XXXX XXXX XXXX. This withholding is causing extreme financial distress and interfering with my VA-approved educational path. Desired Resolution : Full reversal and credit of the remaining {$1400.00} in fraudulent charges. Immediate release of all funds via a mailed cashier 's check to avoid further physical strain on my health. Provision of all technical logs used in the bank 's investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
b"Complaint Subject: Unlawful withholding of funds and denial of reasonable verification alternatives\n\nTo the Consumer Financial Protection Bureau,\n\nI am writing to file a formal complaint against Capital One regarding the freezing of my checking account (Account ending in XXXX) and their refusal to provide a reasonable method for identity verification, which has resulted in the denial of access to my personal funds totaling approximately XXXXn\nI legally opened this account online using my valid ITIN (Individual Taxpayer Identification Number) and unexpired passport. After successfully funding the account with my own money, Capital One restricted the account. When I contacted their customer service, I was informed that I must visit a physical branch to verify my identity.\n\nHowever, I am currently located in Tianjin, China, making it physically impossible for me to visit a Capital One branch. I have explicitly informed their representatives of this geographical impossibility and offered multiple secure, legally recognized alternatives for verification, including:\n\nUploading my original passport and IRS ITIN letter (XXXX) via a secure portal.\n\nProviding a Certificate of Identity notarized by a U.S. Notary Public or a U.S. Consulate.\n\nCapital One has strictly refused all alternative verification methods. By demanding an impossible condition (in-branch visit) while fully knowing my circumstances, Capital One is effectively holding my XXXX hostage without any proof of fraudulent activity on my part. This constitutes an unfair and deceptive practice.\n\nDesired Resolution:\nI request that Capital One's Executive Office contact me immediately to resolve this issue through one of the following methods:\n\nProvide a secure, remote method to verify my identity (e.g., secure document upload or video call) and unlock my account.\n\nIf they refuse to service my account, close the account and immediately mail a Cashier's Check for my full remaining balance (XXXX) to my registered mailing address.\n\nThank you for your assistance in protecting my consumer rights and recovering my personal property.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I would like to submit a formal complaint about the application of late fees by Fifth Third Bank. I have been charged 3 late fees for payments received after the XXXX of the month. Fifth Third shows payment received on the XXXX in all XXXX cases. Here are the particulars on the online bill payments through my XXXXXXXX XXXX checking account : Payment sent on XXXX and received on XXXX for XXXX. Late fees of {$76.00}. Payment sent on XXXX and received on XXXX of {$2400.00}. Late fees of {$76.00}. Payment sent on XXXX and received on XXXX of {$2400.00}. Late fee of {$76.00}. Total late fees {$230.00}. I have a proof of payment from XXXX XXXX that says XXXX business day electronic for {$2500.00}. Sent on XXXX. Processed on XXXX. Transaction ID. XXXX. I have sent considerable time on hold and then finally talking to someone at Fifth Third Bank and XXXX to try to get this resolved. I am requesting the waiver of {$230.00} in late fees. I am also requesting a formal review of the payment process. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Credit Acceptance is trying to collect a debt that was dismissed by the XXXX XXXX. I have filed two disputes with the credit bureaus with the proper paperwork from court, and they will not take this off my credit. Credit Acceptance updated the old account in XXXX as if it was a new debt.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint because Wells Fargo denied my dispute and reversed the provisional credit without conducting a reasonable investigation. The transaction was for a subscription to an XXXX XXXX XXXX On XXXX, XX/XX/XXXX, I received an email from Pollo.AI stating that they were unable to charge my card. Wells Fargo then sent me an authorization request for the purchase, which I approved. Within hours that same day, and well within 24 hours of the purchase, I canceled the service on their website- but still had ONE MONTH left. I immediately notified XXXX by email that I wanted to a REFUND because the service was NOT as advertised. ( All docs attached ). Despite that, Wells Fargo later concluded that I had never canceled, closed the claim, and took back the provisional credit. That conclusion is contradicted by the email evidence in my possession. At no point did Wells Fargo ask me to provide the cancellation email, screenshots, or any other supporting documentation before denying the claim. A reasonable investigation would have included reviewing that evidence before deciding that I was responsible for the full annual charge. This is especially concerning because I recently had a separate dispute with Wells Fargo in which I challenged the adequacy of its investigation, and that matter was resolved. For that reason, this does not appear to be an isolated mistake, but part of a recurring pattern of Wells Fargo denying and closing customer disputes without first requesting or reviewing material evidence. If necessary, I can provide documentation relevant to that prior matter. I am asking Wells Fargo to reopen this claim, review the documentary evidence, restore the credit, and explain how it determined that I never canceled when it never asked for or reviewed the email showing that I did. I also ask the CFPB to review whether Wells Fargo is engaging in a broader pattern of inadequate dispute investigations. This is especially concerning because I recently had a separate dispute with Wells Fargo in which I challenged the adequacy of its investigation in XXXX, and that matter was just recently settled.

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 2026-04-09 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
On XXXX XX/XX/XXXX, I signed up for a 14-day trial on XXXX for XXXX XXXX. The terms did not clearly disclose that it would auto-convert to a recurring subscription. No email, invoice, payment reminder, or renewal notification was ever sent before, during, or after the trial ended. Despite receiving no notice, my American Express card was charged XXXX XXXX by XXXX without my authorization or consent. The charge appeared on my statement in XX/XX/XXXX. Actions taken by me : XXXX. On XXXX XX/XX/XXXX, I emailed XXXX requesting immediate cancellation and a full refund, citing violation of XXXX Directive XXXX and XXXX Civil Code 312j XXXX which mandate pre-renewal notification. No reply received. XXXX. On XXXX XX/XX/XXXX, I filed a formal complaint with XXXX XXXX, the XXXX XXXX XXXX XXXX. XXXX logged. XXXX. I contacted my card issuer XXXX XXXX XXXX XXXXXXXX and American Express to report the merchant for Recurring Billing violations. I requested a Merchant Violation investigation. This practice violates American Express Recurring Billing Policy section 3.12 and constitutes an unlawful Abofalle subscription trap.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions charges overdraft fees and does not honor their grace period. I have text messages confirming I would only be charged if I didnt make a deposit by XXXX, which I did. I also receive emails from Regions stating the money is in my account, but they delay posting it, resulting in overdraft fees. Recently, I sent money to cover overdrafts before the grace period, but I suspect they will not post it until after the deadline to charge me again. This has happened repeatedly, and I am considering legal options. You would expect their practices to improve after the first lawsuit regarding overdrafts. My first contact about this was on XX/XX/XXXX, with follow-ups on XX/XX/XXXX and XX/XX/XXXX, but I have not received a response from XXXX. I have reached out to Regions several times to resolve the overdraft fees, and during my last visit to the branch, I spoke with XXXX XXXX ( XXXX XXXX location ), who assured me the fees would be reversed.

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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
Affirm Dispute Message Subject : Merchant Closed Services Not Rendered ( Partial Delivery ) Hello, I am disputing a financed purchase because the merchant has permanently closed and can no longer provide the services I paid for. Details : Merchant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Finance provider : Affirm Total purchase amount : approximately {$1600.00} Amount I have paid so far : approximately {$1100.00} ( via debit card ) Product financed : 40 medication refills Refills received : 10 Refills not received and now impossible to receive : 30 The clinic has shut down without notice and there is no way for me to obtain the remaining medication. This is a case of services not rendered due to merchant closure, not dissatisfaction with the product. I am requesting the following : 1. Immediate freeze on all remaining payments 2. Adjustment or refund for the undelivered portion of the contract ( approximately 75 % of the remaining obligation ) 3. Confirmation that I will not be held responsible for services that can no longer be delivered Please open a formal dispute and provide a case number for this claim. I can supply documentation showing the clinic closure, payment history, and records of partial fulfillment. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Complaint Against : LVNV Funding LLC / Resurgent Capital Services : I am filing this complaint regarding a collection account that is being reported on my credit file without proper validation and in violation of federal law. I sent certified requests for debt validation to both the primary servicer ( XXXX XXXX XXXX XXXX and additional collection agencies acting on this account. These requests were received, but no validation has been provided. Despite failing to validate the debt, the company continues to report this account to the credit bureaus and maintain it as an active collection account. Additionally, the company has failed to provide : Proof of ownership of the alleged debt Documentation showing a valid chain of assignment from the original creditor Any evidence supporting the accuracy of the reported balance I also submitted disputes to the credit bureaus requesting verification. The account was marked as verified, yet no documentation has been provided to me, and my request for method of verification was ignored. This raises serious concerns about whether this account is being reported in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate personal information reported on my credit file. My legal name is XXXX XXXX, and my current and only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. All variations of my name and incorrect addresses, such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX, XXXX, MA XXXX, must be removed immediately. Under 15 USC 1681e ( b ), Equifax is required to ensure maximum possible accuracy in its reporting, and the continued presence of these inaccuracies violates this obligation. Additionally, under 15 USC 1681m, this may constitute willful noncompliance, entitling me to damages up to {$1000.00} per violation. This failure to maintain accurate and lawful reporting has caused undue harm and stress, and I request the CFPBs assistance in ensuring the immediate removal of all incorrect information and a thorough review to ensure compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation