vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened up the dispute with both the company and merchant I purchased the item from. I was shipped the wrong size. I uploaded evidence multiple times showing I received the wrong item. I then spoke to customer service from my Credit Card company and he agreed that my claim should've been approved and, was also confused why I was being denied still. Merchant has failed to reply in two months. I've uploaded these documents to my Credit card company and it shows I recieved the wrong product. I ordered a XXXXXXXX XXXX shoe and received a XXXX XXXX shoe. I clearly received the wrong size.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI

Complaint narrative:
I opened a title loan XX/XX/year>XXXX with LoanMart. My loan amount they deposited was {$3000.00} and I have to pay back interest with the total amount being {$3300.00}. Ive been paying on the loan since my first payment was in XXXX with a payment of {$330.00} a month. Ive been paying on time since XXXX. I was late on my first payment in XXXX because my check came late and the added a {$30.00} late fee which the total for XXXX was {$360.00} but I paid {$400.00} for the monthof XXXX. They send the amount billed and I pay that amount on time. Now, they been adding extra charges for no reason whatsoever saying principle. There shouldnt be any principle to pay when Im paying the amount they are billing me. The amount billed has been going down a couple dollars every month and I never knew why. This is fraudulent. I pay the amount that says, amount billed and the adds principals on it even when its being paid way ahead of time. Ive paid a total of {$1700.00} of the {$3300.00}. Which means my remaining balance is {$1600.00}. But they have on my account a balance of {$2900.00}. Make this make sense please? They are conning me out my money and I dont this to go on my record or credit reports. Im on low income and I have all my payment receipts and the initial balance thats supposed to be paid back. Im paying on time and there shouldnt be any principle or other issues. I see this have a bad reputation with other people complaining about the same thing on the XXXX and other review sites about businesses. Please help me!!! Thank you and have a very blessed day!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Ripple Labs Inc.

Complaint narrative:
The Ripple Labs Inc., XXXX is doing financial BIT COIN transactions promotion using XXXX XXXX application for the merchant transactions XXXX Ripple Labs Inc. to substantially increase and decrease the price of BitCoin by doing the surge in transactions. As per the merchant transaction tasks offered and you need to do the prepayment and group of XXXX will be made to execute the team group of XXXX tasks in random by prepaying the amount and doing the Bit coin trade. As per the tutor and merchant orders the tasks are executed on time on XXXX XX/XX/year> an amount of XXXX XXXX XXXX XXXX XXXXXXXX in multiple intervals. On XXXX XX/XX/year> an amount of XXXX XXXX XXXX XXXX XXXX for an amount of XXXX XXXX, on XXXX XX/XX/year> for an amount of XXXX XXXXXXXX. Through which they made us to buy in down and up of XXXX and XXXX XXXX coins and showed us profit. The total equivalent amount of XXXX was in account after all the the successful execution of transactions as per the merchant Ripple Labs Inc . At the time of the amount withdrawal time they gave me instructions to follow the guidelines, i perfectly followed the guidelines as per the instructions shared. But they are cheating and made the account as frozen and asking me to extra Amount for unfreeze and for withdrawal. for the withdrawal I tried to contact the company and the merchant team and there is no response from them, even i asked the tutor who guides us in doing the transaction to connect to higher management or the merchant. But no was responding properly. Even after doing the perfect execution of the tasks and guidelines given by them, they freezed my account and asking me to pay the additional amount for unfreeze and withdrawal. I request you to kindly intervene and take the proper action, As my life is completey dependent on the blocked amount. If any proofs are required iam ready to share it with you. Thanking you in anticipation.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I was subject to fraud on XXXX XXXX, from XXXX. I asked their support to step in and help and they ruled in my favour. They refunded the amount, {$1000.00}, back to my debit card ( issued by Schwab Bank ) which was connected to my XXXX XXXX account. However, I reported that debit card lost between the period of the fraud happening and the refund, naturally. I was worried about further scams and I did what I should. When XXXX XXXX emailed me and said they refunded the {$1000.00} the debit card ending in XXXX. This is a Schwab Bank debit card which they acknowledge was mine, and has since been replaced. I've never had this issue where the money is lost in the XXXX XXXX, but after repeated calls to both XXXX and XXXX XXXX, XXXX can not find this money on the ledger. XXXX XXXX swears they sent it already, and refuse to help nor provide more details. XXXX is unable to find the money and unable to credit me the {$1000.00}. This makes no sense as I finally recovered my money from one party to lose it to another. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I visited TJMaxx and was invited to open a store credit account with the promise of a 10 % discount. I later received the card by mail, along with instructions to download the app and set up AutoPay. I followed all instructions and completed the AutoPay setup. After the payment due date passed, I noticed no debit had been made from my bank account. I contacted Synchrony Bank and explained the situation. During that call, I was informed that my account had already been closed due to nonpayment. I explained that I had attempted to set up payment twice and needed assistance to complete the payment. I was told the account was cancelled and that I would receive a letter with further instructions. At all times, I had sufficient funds available and intended to pay in order to maintain good standing with TJMaxx and Synchrony Bank. When I received the letter and return envelope, I went to my bank, obtained a cashiers check, and printed my account details as instructed. I mailed the check including the XXXX interest amount, based on the updated electronic statement shown in the app, which reflected interest charges for a delay that was not caused by me. I believed the matter was resolved. However, last week I received an email from Synchrony requesting an additional payment of {$2.00} for an account they had already closed in XXXX. I called again, explained the full history, and requested that no further charges be applied, since the delay was not my fault and the account had already been closed and paid in full, including interest. I have copies of all correspondence and proof of payment. I am requesting assistance because this situation may negatively affect my credit report and leave an unfair outstanding balance on an account that I made every effort to pay correctly and on time.

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filing a complaint against Cash Ap p ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ana address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce + was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions XXXX XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
No response ever received for original complaint XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint because the company continues to report and attempt to collect an alleged debt despite unresolved inaccuracies, conflicting records, and failure to provide required documentation. The company asserts that ample evidence has been provided to validate the alleged obligation ; however, I did not receive the documents the company claims support its position. The company has not demonstrated delivery of these materials, depriving me of the ability to review, verify, or challenge the evidence it relies upon. I am requesting proof of services and a complete, reconciled accounting of the alleged balance. The account history reflects that amounts were refunded, and at one point the account reflected a paid status. The company has not explained why refunds were issued, how the balance was calculated after those refunds, or how a paid status later became a delinquent balance. The company also misrepresented my account access. I was not restricted from my account and maintained full access. I provided screenshots demonstrating this, yet the company continues to assert restricted access without addressing the contradictory evidence. Additionally, I was informed in or around XX/XX/year>XXXX that the alleged debt was discharged, yet the company continues to report the account as open and delinquent to consumer reporting agencies. The company has not explained how a discharged obligation can be simultaneously reported as an active, open account. I further request documentation showing how the account was transferred from the dealership to the finance company, including the date of transfer, the legal basis for the transfer, and any payments, consideration, or settlement transactions exchanged between the dealership and the finance company in connection with the alleged obligation. The company has not provided proof of lawful assignment or ownership of the alleged debt. These contradictionsincluding refunds and paid status, alleged discharge, continued open reporting, inconsistent access claims, and lack of assignment documentationdemonstrate that the information being furnished is inaccurate, incomplete, and not supported by a reasonable investigation. Despite repeated notice of dispute, the company continues reporting this account without providing proof of services, a reconciled accounting, confirmation of document delivery, or documentation establishing lawful transfer and ownership. I am requesting that the CFPB review the companys conduct and require correction of inaccurate reporting and proper substantiation of any claimed obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am submitting this complaint regarding Chime Financials failure to honor a publicly advertised new member promotional bonus due to an internal promotional tracking issue. I have never previously opened or held a Chime account. I opened my Chime Checking Account by clicking directly through Chimes official promotional link advertising a Earn up to {$350.00} new member bonus, which clearly stated that the offer applied to new customers who open a checking account and complete qualifying direct deposits. After opening my account, I later discovered that my account does not show the promotional offer. When I contacted Chime customer support, I was informed that my account does not have a promotional code attached and that Chime is unable or unwilling to manually apply the promotion or escalate the issue. This is not the result of any failure on my part. I followed Chimes advertised process, used their official link, and meet the definition of a new customer. The issue appears to be an internal attribution or tracking failure on Chimes side. However, Chimes refusal to correct this error effectively prevents me from earning the advertised bonus, despite meeting the stated eligibility requirements. I believe this constitutes an unfair practice, as consumers should not be penalized for internal technical or tracking failures beyond their control, especially when the promotion is prominently advertised as an incentive to open the account. I am requesting that Chime either : 1. Honor the advertised promotional bonus upon completion of the qualifying requirements, or 2. Provide a clear written explanation for why a new customer who used Chimes promotional link is being denied the offer. I am submitting this complaint to request regulatory assistance in ensuring that advertised consumer promotions are applied fairly and transparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UPGRADE, INC.
State: SC

Complaint narrative:
Velocity Investments LLC placed a judgement against me on XXXX/XXXX/2026. The debt was accrued XXXX/XXXX/2022. This is outside of the statute of limitations. They did not notify me of a court date and I was not served.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
My mortgage loan was transferred to Select Portfolio Servicing ( SPS ). I was placed on a three-payment trial loan modification requiring reduced payments due XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made the XXXX and XXXX reduced trial payments as instructed, and those payments were accepted normally. After the servicing transfer, SPS failed to apply my payments consistently. My account history reflects multiple MIS-APP REVERSAL and SHORT PAYMENT entries, as well as an unapplied balance of {$660.00}. This indicates internal payment reversals and suspense handling rather than proper crediting under the trial plan structure. On XX/XX/XXXX, SPS issued a letter stating my loss mitigation assistance was withdrawn because I did not make required plan payments. However, SPS has never provided me with a written copy of the trial modification agreement, and the agreement has never appeared in their online portal. I also no longer have access to the prior servicers portal. SPS representatives have stated they can see the trial internally but have not provided documentation to me. Despite my payments and ongoing dispute, SPS has now reported a major derogatory delinquency ( grid code 4 ) to the credit reporting agencies. This negative reporting appears to be based on payment application issues and loss mitigation handling during the servicing transfer. I previously sent a formal Notice of Error under RESPA/Regulation X via certified and regular mail and escalated to the SPS Ombudsman . I am requesting CFPB assistance because this appears to be a servicing transfer and payment application failure that resulted in improper withdrawal of my trial modification and inaccurate negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: TN

Complaint narrative:
I am submitting this complaint regarding unauthorized Google XXXX charges and account suspension that have not been resolved. My Google XXXX account was compromised, resulting in duplicate and unauthorized charges exceeding {$3000.00} beyond my approved daily and monthly advertising spend. These charges appeared between late XXXX and XX/XX/year>. Google flagged the account for suspicious payment activity and subsequently suspended and closed the Ads account. I immediately contacted Google XXXX support, submitted documentation, and requested a full investigation. Despite Google acknowledging suspicious payment activity, I have not received written confirmation of fraud determination, refunds, or a clear billing resolution. Following the fraud, my payment methods became unavailable due to account suspension and fraud protection. My Ads account now shows multiple conflicting statuses ( suspended, canceled, payment declined ), and I am unable to advertise. As a result : Unauthorized charges remain unresolved My small business has lost advertising access My income has been directly impacted This situation has negatively affected my credit and financial stability I am requesting : XXXX. Written confirmation of XXXX fraud determination XXXX. Full refund of all unauthorized and duplicate charges directly to my original payment method XXXX. Written confirmation of Ads account status ( reinstated or closed with XXXX balance ) XXXX. Instructions for safely resuming advertising once billing is resolved Business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Google XXXX Account Email : XXXX XXXX XXXXXXXX This situation has caused significant financial hardship and business interruption.

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
My peer-to-peer payment account was suddenly closed by Cash App without clear explanation or advance notice. The account was used for lawful personal transactions. I relied on this account to receive payments and conduct normal financial activity. This affected my ability to send funds. my account access was restricted and later permanently closed. I submitted appeals through customer support requesting clarification and review ; however, I have not received a meaningful explanation regarding the alleged violation or an opportunity to resolve the issue. The closure has caused financial hardship and disruption to my income because clients used this platform to send payments. I am concerned that the company may have taken this action unfairly or without adequate investigation. I am requesting a formal review of the account closure decision, a written explanation of the alleged violation, and the prompt release of any remaining funds owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
I opened a business account with Relay Financial for my company, XXXX XXXX XXXX. On XX/XX/year>, I transferred {$5000.00} from my personal XXXX checking account to fund the new account. Relay later notified me on XX/XX/year> that the account was being closed. They stated that my funds may be held for up to 45 days for review, with an additional 5 to 10 days to issue a check. I currently have no access to my deposit and have not been given a firm date for the return of funds. I have contacted Relay for clarification but have not received a clear timeline for when the money will be released. I am requesting : Confirmation of the exact balance being held The name of the partner bank currently holding the funds The specific reason the funds require a 45-day hold The exact date the return process will begin Written confirmation of how and when the funds will be returned This money represents operating capital for my business and I need a clear timeline for release.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Hogan Capital II, LLC
State: CA

Complaint narrative:
My loan origination was in XXXX of XXXX. I had good credit and a 3 % APR. The original loan term was 60 months. It should have been completed in XXXX of XXXX. I received a notification from XXXX XXXX saying congrats, you're all done, but to my dismay, I called the credit company and they said I now owe a whole other year despite my original loan amount being payed off. I filed for XXXX XXXX bankruptcy in XXXX, but the auto loan was kept out of the filing. However XXXX XXXX had to transfer my loan to XXXX, who I believe changed the terms without my consent or acknowledgement. I am now being forced to pay another 12 months before they will release the lean. The XXXX company was reluctant to give me any information whatsoever.

Company response to consumer: Untimely response