vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened a XXXX checking account and credit card and the very first week that I started using it. They immediately would lock the card every day or every other day and I would have to call in to get them to unlock it and I usually would have to wait on the phone for an hour and a half every single time just for them to tell me that it was fraud and that they put a hold on the card which I told them every single time all of these purchases were made from me and everything is valid and they would tell me every single time that there was nothing that they could do, and that the internal system was flagging the charges as fraud which like I said, I told them every single time it was not and then only after 2 to 3 weeks of me, barely able to actually use the card. I was locked out of my credit on the app and I called in multiple times. It was on the phone for hours because I couldnt get a hold of anybody just for them to finally answer my call and to tell me that my account was closed and that there was nothing they could do about it, and there was nothing that they could tell me and now I have to wait for a letter in the mail for them to finally give me some sort of information And theyve completely removed the credit card on my XXXX app

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 2026-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/XXXX ( purchase date XX/XX/XXXX ), I purchased furniture from XXXX XXXX and was verbally told by the salesperson that I was receiving zero interest financing through Synchrony Bank. I was never informed of any promotional period length, never told this was actually a " deferred interest '' promotion, and never told that interest was accruing the entire time. I was never warned that any remaining balance at the end of a promotional period would result in all accumulated interest being charged at once. I made consistent payments in good faith. In XX/XX/XXXX my balance suddenly increased by {$1700.00} in interest charges, bringing my balance from {$3000.00} in XX/XX/XXXX to {$4600.00} in XX/XX/XXXX. My current balance is {$4400.00}. I contacted Synchrony Bank via live chat and by phone multiple times. During the live chat, a representative confirmed the {$1700.00} interest charge and acknowledged that a XXXX-day grace period existed to waive the interest if paid in full. I was denied any adjustment, waiver, or extension when I called. Synchrony Bank 's response was that the information was disclosed in my monthly statements. However, receiving statements does not replace the obligation to clearly disclose the terms of a deferred interest promotion at the point of sale, before a consumer agrees to financing. I relied on the verbal representation of the salesperson at XXXX XXXX when making my financing decision. This is not a matter of inability to pay I am disputing these charges as unfair and deceptive. I am requesting that Synchrony Bank remove the {$1700.00} in interest charges immediately.

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 2026-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding Portfolio Recovery Associates ' reporting and collection activity on two accounts appearing on my XXXX credit report, in violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and the Fair Credit Reporting Act, 15 U.S.C. 1681s-2. Portfolio Recovery is reporting two accounts attributed to original creditor XXXX XXXX XXXX. : Account 1 : balance {$690.00}, opened on PRA 's records XX/XX/XXXX. Account 2 : balance {$700.00}, opened on PRA 's records XX/XX/XXXX. Both accounts are reported with apparently identical account number prefixes, raising the question of whether these represent two distinct underlying XXXX XXXX accounts or are duplicate reporting of the same debt. Under 15 U.S.C. 1692g, I formally dispute both accounts and request validation including : ( a ) the original signed credit agreement ( s ) with XXXX XXXX XXXX. ; ( b ) the bill of sale and account-level data file documenting the specific transfer of each account from XXXX XXXX to Portfolio Recovery, with dates and consideration ; ( c ) a full itemized accounting of each balance ; ( d ) the original date of first delinquency on each underlying XXXX XXXX account, which under 15 U.S.C. 1681c ( a ) ( 4 ) controls the seven-year reporting window. Additionally, my credit report shows that I previously disputed both accounts and PRA 's response was " Completed investigation of FCRA dispute consumer disagrees. '' This indicates PRA did not conduct a genuine reinvestigation as required under 15 U.S.C. 1681s-2 ( b ). I now provide specific new grounds : ( 1 ) potential duplicate reporting of identical account numbers ; ( 2 ) demand for original date of first delinquency verification to ensure no re-aging in violation of 1681c ( a ) ( 4 ) ; ( 3 ) demand for chain of title documentation under standards discussed in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ). PRA was the subject of a XXXX CFPB and multi-state enforcement action that included findings of collection on debts without sufficient documentation. I expect PRA to apply the documentation standards from that settlement to my accounts. Desired resolution : If PRA can not produce complete chain of title documentation and original creditor records substantiating both accounts within 30 days, I require deletion of both tradelines from all three credit reporting agencies ( XXXX, XXXX, XXXX ). I am not requesting settlement ; I am requesting validation or deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year> I received an alert about a payment that I didn't authorize from PayPal. I immediately disputed the payment. On XX/XX/year> I received notification that I had lost my dispute and the payment would be sent on XX/XX/year>. The amount is {$220.00}, including an {$11.00} fee. I informed PayPal in my dispute that I did not authorize this payment. The transaction ID is XXXX, and the recipient is called " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MCM sent me a debt letter. i requested full validation to include, signed agreement, proof of assignment and or purchase account, itemized statement with all payments made and what is owed ( complete payment history from the date opened of alleged balance ) accurate charge off amount, etc. They sent a summary, so i resent the debt validation letter and told them they never sent what i requested, so this is the second time i'm requesting this verification if you can not provide it, please cease comunications with me, the next letter i received was a summary, and a pre-legal statement that they will send my account to a lawyer to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: CA

Complaint narrative:
2 weeks ago approximately I was upgraded to chime prime access to free metal card instead, it gave me a titanium card. It costs me a fee which I did not agree of so I called 3 or 4 times refused to refund me that said if I get after XXXXXXXX XXXX XXXXXXXX which I did I can get refund I got it late I called still refused to refund me I need chime to refund this fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX, XXXX, and the involvement of XXXX in withholding merchant card processing deposits owed to my business, On the XXXX XXXX XXXX. Beginning around XX/XX/XXXX, approximately 31 % of my processed card sales began being withheld from my merchant payouts. A withholding report later provided through XXXX shows total withheld funds of {$29000.00}, consisting of {$23000.00} labeled as federal/IRS withholding and {$6700.00} labeled as state withholding. I did not receive timely notice before this withholding began. XXXX initially told me the IRS was taking the funds. I contacted the IRS directly and was told there were no active levies, backup withholding orders, or withholding actions on my account. XXXX later provided a B-Notice dated XX/XX/XXXX after the fact, but I did not receive this notice when it was supposedly issued and was not given a timely opportunity to correct any alleged TIN mismatch. XXXX has now stated that because there was a second B-Notice, they require an IRS EIN confirmation letter , XXXX XXXX, to update the account. I am working to provide that documentation. However, this does not resolve the prior withholding, lack of notice, lack of proof of remittance, or the additional 7 % state withholding that has not been clearly explained. Despite repeated requests, XXXX has not provided : Proof that the federal withholding amounts were actually remitted to the IRS ; Dates and amounts of remittance tied to my EIN ; Proof that required B-Notices were delivered to me at the time they were issued ; A legal basis and explanation for the 7 % state withholding ; A complete accounting of all funds withheld and where the funds went. Support cases were also closed without resolving the issue. This has caused significant financial harm to my business, including disruption to operations, additional accounting and tax-related expenses, and continued uncertainty regarding funds owed to my company. I am requesting : A full accounting of all withheld funds ; Proof of remittance of any funds allegedly sent to the IRS or any state agency ; Immediate correction of my account and cessation of improper withholding going forward ; Repayment of any funds not properly remitted ; Reimbursement of fees and costs associated with this issue, including processing fees and expenses incurred as a result of the discrepancies. This matter remains unresolved and requires immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
Automated I have withdraw {$53.00} and XXXX cent from Cash app that was my last time using Cash app until XX/XX/XXXX when I went to go send money out they told me my account was under investigation or close for violation of service terms X follow appeal because I dont know what valley should of service terms I had validated. I never received an email or anything or text or alert that my account was closed until I went in there to send money which the last time I used, it was on the XXXX, which to take money out that was was sitting in my account filed up appeal. They told me that the pill at the following the pill that I violated terms I pacifically ask, which terms did I violate then they send me the whole terms of agreement. I just asked a simple question. I would like to know which term that I validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
As a result of identity theft, a fraudulent account was opened in my name with XXXX XXXX on XX/XX/year>. There is a balance on this account of {$1900.00}. Accounts in XXXX other banks were also fraudulently opened in my name from XXXX through XXXX of 2025, as well. I have reported this fraud to the police, to major credit bureaus and to the FTC. I have cooperated with all of these banks in their investigations; sending affidavits, police reports with signatures, my driver 's license, my passport, copies of my property tax report, and a signed statement from a notary. The XXXX other banks have all found that accounts, in their institutions, in my name were fraudulent and released me from responsibility. Despite my cooperation with XXXX XXXX, they have not seemed to act in good faith to resolve this issue. They told me that they have a resolution letter that they mailed to me, on XXXX different occasions. Those letters were never received. Instead, they sent me a new credit card, which I never asked for, on the fraudulent account. ( How was that able to find me, but the new finding letter was not? ) Further, on multiple occasions, their phone representative refused to tell me the finding and the company is seeming to continue to deny my request for release from responsibility due to fraud. It seems to me, based on my interactions with XXXX XXXX, that they do not wish to investigate this case fairly and in good faith, and that they have a bias toward not making a determination in my favor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: CA

Complaint narrative:
I closed my account because they were continuously breaking the law and stealing my money. Now theyre refusing to give me the money from refunds to my account totaling about {$240.00}. Theyre telling me that once an account is closed the money is lost which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I have credit cards that were open in my name illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: FL

Complaint narrative:
On XX/XX/year> '' Chase Bank restricted and permanently closed my checking account number XXXX under a fraud investigation. It has now been over 90 days since the freeze, and Chase Bank is refusing to release my remaining balance of approximately {$5200.00} USD.The funds in my account are entirely legitimate and stem from a critical family emergency. On XX/XX/XXXX, my brother, XXXX XXXX XXXX XXXX ( XXXX : XXXX ), was XXXX by U.S. Immigration and Customs Enforcement ( ICE ). Prior to his detention, he transferred his personal savings ( between {$3500.00} and {$3700.00} USD ) to a trusted mutual friend for safekeeping. Two weeks later, this friend transferred those exact funds to my Chase account via XXXX so I could manage my brother 's legal and personal emergency expenses.Additionally, around XX/XX/XXXX, I received a {$50.00} XXXX transfer from a friend, along with small, routine transfers ( {$20.00}, {$30.00}, {$40.00} ) from family members. This money was collected specifically to send financial support to my brother as he was being transferred between multiple ICE detention facilities, ensuring he could purchase commissary items and food at each location.The rest of the balance consists of my own personal labor wages. Chase Bank has exceeded the standard regulatory 60-to-90-day window for internal compliance reviews. They are withholding legitimate family emergency funds and my hard-earned wages without any court order or legal grounds, causing severe financial distress.What is a fair resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Healthcare Finance Direct LLC.
State: OK

Complaint narrative:
I am filing this complaint against Healthcare Finance Direct ( HFD ), Application ID XXXX, regarding a dental financing loan for Invisalign treatment. Beginning in XX/XX/XXXX, my credit union ( XXXX XXXX XXXX XXXX ) issued a payoff check to HFD to satisfy the loan in full. The following sequence of events occurred : 1. HFD returned the check claiming it was damaged. XXXX inspected it and found no damage. XXXX. XXXX subsequently reissued payment to HFD. Whether this constituted the same check or a replacement check is unclear, however XXXX can confirm the full sequence of events. XXXX. On XX/XX/XXXX, HFD confirmed on a recorded call that the check was received, my account was paid in full, and that a paid-in-full letter would be emailed the next day. That email was never sent. XXXX. On XX/XX/XXXX, HFD called me claiming the account was still active and no check had been received directly contradicting their XX/XX/XXXX confirmation. XXXX. Also on XX/XX/XXXX, I called HFD back and received a third confirmation that my account was paid in full and closed, and that no XX/XX/XXXX payment would be collected. XXXX. On XX/XX/XXXX, a three-way recorded call took place between myself, XXXX, and HFD. HFD admitted they had attempted to cash the check twice through their own scanner, then sent it to XXXX XXXX as a third-party processor. HFD again agreed no further collection would occur. XXXX. As of XX/XX/XXXX, my HFD portal now shows " You are behind on payments, '' a missed XX/XX/XXXX payment, {$96.00} in accrued interest, and a balance of {$5200.00} despite four recorded confirmations that my account was paid in full and closed. I have preserved the following evidence : four audio recordings of HFD representatives confirming account closure and payment in full, screenshots of my HFD portal showing " PAID IN FULL No further payments are required, '' screenshots of the portal subsequently reversed to show a past due balance, and a recording of XXXX 's call with HFD. Screenshots are being attached. Audio recordings from me and/or XXXX can be made available upon request. I am requesting immediate written confirmation that my account is closed with a {$0.00} balance, that no negative information be reported to any credit bureau, and that all accrued interest and fees added after the confirmed closure date be removed, along with the paid-in-full letter promised on XX/XX/XXXX. I am also aware that Healthcare Finance Direct, LLC received a Desist and Refrain Order from the California Department of Financial Protection and Innovation ( DFPI ) on XX/XX/XXXX, followed by a formal settlement on XX/XX/XXXX, suggesting a pattern of deceptive consumer lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
This is a direct dispute under the Fair Credit Reporting Act and Regulation V. Furnishers are required to conduct a reasonable investigation of direct disputes involving a consumers account terms, payment status, payment dates, and other information that affects creditworthiness. Regulation V specifically includes disputes about current payment status, date a payment was made, and other account information reported to consumer reporting agencies. I recently received an adverse action notice from AffirmXXXX XXXX stating that I could not be prequalified due in part to Payment history with Affirm. Also I been attempting to make a payment called the company and the site was down for days for me. The notice also stated that my credit score was negatively affected by number of accounts with delinquency and time since delinquency is too recent or unknown. This shows that the disputed reporting is causing actual credit harm and is being used against me in future credit decisions. Because this account was created from a purchase AffirmXXXX XXXX approved, I am requesting that you verify the complete account history and provide the exact basis for any negative reporting. I dispute that the account has been reported accurately and completely. Please investigate and provide the following : 1. The full payment ledger for this Affirm/XXXX XXXX account. 2. The original purchase approval date and loan agreement/payment schedule. 3. The exact monthly due dates for each installment. 4. The exact dates each payment was received and posted. 5. The exact basis used to determine any late payment or delinquency. 6. The specific date the account allegedly became 30 days late, if applicable. 7. Copies of any billing statements, notices, or payment reminders relied upon. 8. Proof that any statement or notice was properly sent to me. 9. The exact information AffirmXXXX XXXX furnished to XXXX, XXXX, and/or XXXX. 10. The date AffirmXXXX XXXX first reported any delinquency to the credit bureaus. I also request that Affirm/XXXX XXXX preserve and review all account-level records, not merely rely on automated codes or summary reporting. If the payment history, late payment, or delinquency can not be verified through actual account documentation, then the information must be corrected or deleted from all consumer reporting agencies to which it was furnished

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
Called asked how a loan was open in my name an what donation financially was submitted as I was out work with no pay and how cannon open a loan in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Date : XX/XX/year> Amount : {$430.00} Company : Capital One Account end : XXXX I receive no response from the company

Company response to consumer: Closed with explanation