vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> Our mail was hacked. We sent a Wire from our chase bank account to XXXX XXXX. We were in the process of purchasing a crane and had made 2 wire transfers to XXXX XXXX on previous days. It the meantime, our email was hacked and fraudulent banking information was inserted into our email. Wire sent from Chase bank to Account Name XXXX XXXX Account XXXX Rounting number XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX the above information was a fruaudulent account. We contacted XXXX XXXX to alert them. they said they would put a hold on the account. The money was wired to this account! Since XX/XX/year> we have been in contact with Chase bank. they keep telling us that they are sending swift messages to XXXX XXXX but no response Wire amount {$210000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian Information Solutions , XXXX XXXX XXXXXXXX XXXX Equifax Information Services LLC This complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block information resulting from identity theft within four ( 4 ) business days of receiving proper notice and an identity theft report. I am formally requesting that Experian immediately block and remove fraudulent information appearing on my consumer credit report. The fraudulent information includes : A derogatory/collection account reported under XXXX XXXX Account number ending in XXXXReported open date : XX/XX/year> Associated hard inquiries related to this account. Any related collection accounts stemming from this fraudulent account. I did not open, authorize, initiate, or benefit from this account, nor did I authorize any associated inquiries. These accounts and inquiries are the result of identity theft. Attached to this complaint is : A copy of my FTC Identity Theft Report ( with case number ) A copy of my credit report highlighting the fraudulent items A list of the unauthorized hard inquiries. Under FCRA 605B, Experian, XXXX XXXX and Equifax Information Services LLC is required to Block the fraudulent information within four ( 4 ) business days. Notify the furnisher of the information that it has been blocked. Failure to comply with these statutory obligations constitutes a violation of federal law. I am requesting an EMAIL confirmation that the fraudulent accounts, collections, and hard inquiries have been blocked and removed.

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 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I called Bank of America when I seen what was going on. I ask them if transfer has left there bank they said no I told them to stop this transfer several times it was fraudulent. I thought I was talking to Bank of America on XXXX. I was sent a text that someone in XXXX was breached my card was this you I replied no the I got a call and he said he was from Bank of America and proceeded to catch XXXX XXXX because it was a felony and I ask him if he really was from BOA he said yes and I said how do I know he said I have all youre information and he gave me everything social date of birth card number address. He sent me a text from BOA he said it was fake to try to catch where he was at I pushed yes to the emai Because I really thought he was from boa the next morning a little after XXXX I called boa and finally got to Fraud agent was on phone 1.5 hrs they told me I was scammed and that he had broke into my online banking. I ask them to shut card off they said they did. They said I had not been sent yet and I said cancell it because it was fraud told them 3 or 4 times and there answer was dont know if we can XXXX minuites after XXXX XXXX phone I got text saying they sent the money XXXX XXXX which was a trans fer. My nightmare started he had stole my identity .i ask how he could get into my account and manipulate it they didnt know

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 2026-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I applied for a TD Bank credit card and I received a letter saying that it was conditionally approved until I deposited the money from my checking to my savings account. I proceed to do so and the next day my money disappeared. I called the bank and they informed me that the credit card was approved and that the money was frozen for that reason. I was supposed to wait 5-7 business days for the card to arrive. The card never arrives so I proceed to call back to the bank and now my application isnt found, my money isnt found and I have been transferred from agent to agent until they last agent informs me that I need to go personal to the bank and that they were going to be able to unfreeze my money. I go today to the bank and XXXX tells me that no one know where my money is not the application and that he need to talk with application department for them to undo my application. Supposedly he calls and applications agents are disconnecting the call every time he calls. He told me he was going to send an email and call me back but nothing has happened and Im frustrated and XXXX because its {$1000.00} its a lot of money and I cant be losing this money to a bank when its my money and not theirs. Thats is why Im filing a complaint because their practices are irresponsible and unethical

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
My account was hacked and the hacker sent {$210.00} from my checking account linked I requested a refund but no funds recovered

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-13 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: UPGRADE, INC.
State: MA

Complaint narrative:
Upgrade home improvement loan was created when we purchased products from XXXX by XXXX ( XXXX by XXXX uses this company for their customers to obtain financing ). Terms were 15 year fixed rate at 7.99 % APR, which we paid off early in XXXX XXXX. Last billing statement received was for the billing period XX/XX/XXXX, XXXX XXXX, XXXX ( date statement issued XX/XX/XXXX ). Current balance {$15000.00}, payment due XX/XX/XXXX ( interest accrued in the statement period XXXX {$100.00} - this is on the statement itself ). We sent a payoff check to Upgrade which was received and processed on XX/XX/XXXX in the amount of {$15000.00} ( overpayment of {$130.00} as of our billing statement dated XX/XX/XXXX - payment received just one day after billing statement generated ). Upgrade sent a refund on XX/XX/XXXX in the amount of {$71.00}. We tried to resolve via XXXX, however, Upgrade kept referring to incorrect billing statement in order to justify retaining more than that should have of our overpayment. Upgrade is being deceptive in their responses and refusing to acknowledge statement dated XX/XX/XXXX. We feel they are trying to retain more of our overpayment than they should have and are refusing to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
I am submitting this complaint regarding negative credit reporting on my federal student loans serviced by Edfinancial. In XX/XX/year>, a XXXX delinquency was reported on my account. During that period I was in the process of relocating and unfortunately missed several communications regarding the account. Prior to this incident I had maintained a strong credit history and all of my other credit accounts have been paid as agreed. After noticing the delinquency on my credit report, I contacted Edfinancial and requested a review of the account to determine whether a retroactive deferment, forbearance, or other relief option could apply to the period in question. The responses I received stated that goodwill adjustments are not permitted and provided general explanations of reporting policies. However, the responses did not indicate that a detailed review was conducted to determine whether any borrower protections or relief options may have applied during that time. Because federal student loan borrowers are often eligible for deferment or forbearance during periods of financial disruption, I am requesting that Edfinancial conduct a formal review of my account to determine whether a retroactive deferment or administrative forbearance should have been applied. If such relief would have covered the delinquency period, I respectfully request that the credit reporting be corrected with the consumer reporting agencies. Supporting documentation has been attached, including my correspondence with Edfinancial and a copy of my credit report showing the delinquency reported in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding the closure of my account by Cash App, a service operated by Block , Inc. My account was recently closed with the explanation that I allegedly violated Cash Apps policies. I immediately contacted customer support and requested clarification about what specific policy or rule I had violated. I was informed that my case would be reviewed. After approximately XXXX days, I received another response stating the same general claim that I had violated Cash Apps policies, but again no specific policy, rule, or explanation was provided. When I contacted customer support again, the representatives were unable to provide any information regarding the alleged violation. In fact, XXXX representative stated they did not have a clear reason for the account closure. As the account holder, I believe I am entitled to at least a basic explanation of the alleged policy violation that resulted in the termination of my account. Without that information, I am unable to understand what occurred, correct any potential issue, or determine whether the account closure was made in error. I am respectfully requesting that Cash App provide a clear explanation identifying the specific policy or rule they believe was violated, as well as any supporting information used to make the determination to close my account. If the closure was made in error, I request that my account be reconsidered and restored. Additionally, I am requesting that this matter receive a thorough review and that a clear explanation be provided regarding the basis for this decision. As a consumer, I believe transparency and fair treatment are essential when financial service providers take actions that significantly affect a customer 's access to their account. I would appreciate a detailed response addressing my concerns and clarifying the specific reason for the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am an injured worker under the State of California. My employer is the XXXX XXXX XXXX California XXXX XXXX of XXXX XXXX. It is my strong belief, my employer through the use of the XXXX XXXX XXXX XXXX XXXX XXXX used my JCPenny Account to create an financial hardship on me by continuing to place my account on auto-pay status after I repeatedly turned the feature off. In addition, I suffer from a XXXX injury, again through my employer to the local sheriff 's department a specialzed security feature was set in place where I had to verify my idenitity. The process included a picture of my license front and back and a view of my facial features. The verification security process " required '' me to turn my head left to right, right to left sort of like saying, " no. '' I believe this process was put in place in order to discredit my claim of my injury. Therefore, JCPenny and associates had a right and duty to protect my personal credit information, however under the XXXX of authority the XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with the XXXX XXXX XXXX XXXX XXXX XXXX. overrode that right and JCPenny was involved in the process.

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 2026-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Hanwha QCells USA Corp
State: TX

Complaint narrative:
I purchase Solar for my home, they made big promises, my electric bill would be substantially rduced, I woulds get an {$18000.00} tax credit check to keep or apply to my bill, " I DID NOT GET IT '' My bill for the solar panels went from $ XXXXmo to $ XXXXmo after six months. My electric bill before the Solar Panels averaged {$150.00} to {$220.00}. With the Solar panels my bill averages {$300.00} to {$360.00}. With the $ XXXXno Equipment charge and my XXXX XXXX XXXX is from {$80.00} to {$150.00} each month and will go higher in the XXXX months! They told me my bill would be below a {$150.00} after Solar install.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: CT

Complaint narrative:
I bought my vehicle XXXX XXXX XXXX XXXX years ago. I always pay my payment on the due date of XX/XX/XXXX this XX/XX/year>. I was XXXX XXXX late and they sent me a letter to repossessed my vehicle if I didnt pay them within XXXX XXXX or they were gon na attach my pay and repossessed my car with the letter that they sent me the company I pay them for my car payment is called Bridgecrest . I did call Bridgecrest and I asked them to send me their paperwork that says if Im XXXX XXXX late in paying my payment, can they come and repossessed my car the woman I spoke to ignored what I was asking and just hung up the phone. This is the second time this year that I was XXXX XXXX late past my XXXX of each month date and paying it and both times they sent me a threatening letter. They were coming to repossessed my vehicle. I was a XXXX late XX/XX/year> paying my vehicle on that exact date due to the fact that I had XXXX for XXXX days. I did pay my payment XXXX XXXX late and I receive that letteXXXX XXXX XXXX after my due date which again was on XX/XX/year>. I feel as though thats illegal to do by Bridge-crest bank who I pay my car payment too. They do not send me any contract information. I asked them too..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Subject : Improper PMI Charges, Delayed PMI Cancellation Review, and Servicer NonCompliance With the Homeowners Protection Act ( HPA ) I am filing this complaint regarding my mortgage servicers mishandling of my PMI ( private mortgage insurance ) removal request and improper billing of PMI charges. I originally refinanced and repurchased my home for the purpose of removing my stepfather from the mortgage. The property was refinanced at a purchase price of {$190000.00}, with a loan amount of {$180000.00}, and the appraised value at the time was {$220000.00}. I have been continuously charged PMI since XX/XX/XXXX. Two months ago, I formally requested PMI cancellation in accordance with my rights under the Homeowners Protection Act ( HPA ). In response, the servicer sent someone to evaluate the property. Despite this, my request was not reviewed in a timely manner. On XX/XX/XXXX, I discovered that the servicer charged me PMI twice in the same billing period. When I contacted them to dispute the duplicate charge and inquire about the status of my PMI cancellation, I was told that my request was reviewed yesterday, despite the fact that I submitted the request two months prior. I believe the servicer has failed to meet its obligations under the HPA, including : Timely processing of PMI cancellation requests Providing prompt, written notice of PMI cancellation decisions Ensuring accurate billing and preventing duplicate PMI charges Providing clear explanations and maintaining proper review timelines I am requesting the CFPBs assistance to ensure : The improper duplicate PMI charge is immediately corrected A full review of my PMI cancellation request is completed and documented The servicer provides a written explanation for the twomonth delay The servicer confirms compliance with all HPA requirements related to borrowerrequested PMI cancellation I am seeking resolution, correction of the billing error, and assurance that future PMIrelated processing will adhere to federal law and required timelines. Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
On or around XX/XX/year>, I became aware that a debt collection company filed a request for a writ of garnishment against my wages related to a credit card debt they claim to own. This company is not the original creditor and appears to have purchased the alleged debt from another entity. Prior to the garnishment filing, I received communications from the company threatening to garnish my wages if payment was not made. However, I do not believe this debt has been properly validated, and I have concerns about the legitimacy of the amount being claimed and the companys authority to collect it. Despite these concerns, the company proceeded to pursue wage garnishment through the court. I believe this action is unfair and improper because the debt was sold to a third-party collector, and I was not provided adequate verification of the debt before they attempted to enforce collection through garnishment. I am requesting that this matter be reviewed to ensure the company has the legal authority to collect the debt, that the amount being claimed is accurate, and that all required debt validation and consumer protection procedures were properly followed before pursuing wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
My federal student loan was previously serviced by XXXX, and my official XXXX letter from XXXX XXXX XXXX dated XX/XX/year> shows XXXX qualifying payments. When my loan was transferred to Aidvantage, my XXXX qualifying payment count was incorrectly reset to zero. I opened case number XXXX with XXXX XXXX XXXX to correct this error, but I have not received any updates or resolution. I also contacted the FSA Ombudsman and provided the requested information, but I did not receive a response. I only have XXXX federal loan, so my payment history should have transferred accurately. I requested my correct payment count, my loan history, and an explanation for the reset, but none of this information was provided. My case appears to have been abandoned, and my PSLF status remains incorrect. I am requesting immediate review and correction of my XXXX qualifying payment count.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I had fraudulent activity on my Affirm XXXX account and I disputed it. They have since closed the case in my favor and said everything has been restored. They refunded the money lost and everything was okay. The very next day, they locked my account, and took about a week to unlock it for me to be able to log in again. Then they froze my money account, after I received an email stating that it was unfrozen and everything was back to normal. I keep calling and they keep saying that they need to verify my information and it will take time. The fact of the matter is that it has been over a month and they have already closed the case in my favor, but they are not allowing me to do anything with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief