vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal has decided to pay all transactions on accounts, even when the funds arent there. I did not approve this withdrawal and I am not signed up for overdraft protection. They argued with me, refused to file a dispute, and even hung up on me. Calls are recorded, so this should have never happened. They are scamming consumers and consumer accounts in order to charge fees that consumers never signed up for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: AL

Complaint narrative:
AR Resources is showing i owe a medical bill. I have had marketplace insurance since XX/XX/year>. XXXX XXXX XXXX. Please provide date of service of this debt. And file with insurance company. You're ruining my credit due to your negligence to file in proper manner. Please remove from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: TN

Complaint narrative:
This is about the way2go card. This company has been found to commit fraud and illegally retaining refunds and not releasing them for XXXX plus. Also they will just magically disable your card then lie to your face about it. Also they have XXXX of XXXX of complaints about their fraudulent business practices as in disabling cards and lying about. Disabled their sites so you barely can login. They disable their app so you can use it even when you had no problems with it before. This company is to be sued and removed from every doing business with the governments. I have also filed a multi XXXX dollar lawsuit against company for said fraud and illegal business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
XXXX XXXX, XXXX is trying to collect a debt for XXXX management services. Calling, texting, sending me postal mail of one paper statement saying I owe. The bank never loaned me any money to purchase this vehicle. I have disputed this on my credit report. This is a 3rd party and never given them permission in violation of my personal information USC code.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
This complaint is directly related to my prior CFPB complaints # XXXX and # XXXX. It provides additional evidence of continued unauthorized use of my PayPal Credit Card issued by Synchrony Bank. 
On XX/XX/year>, further unauthorized transactions occurred on my account, continuing the fraud sequence already documented in my earlier complaints. These new transactions include : XXXX. XXXXXXXX XXXX XXXX XXXX {$28.00} purchase at XXXX was approved. I did not authorize this transaction. 
XXXX. XXXXXXXX XXXX XXXX XXXX {$30.00} purchase at XXXX XXXX XXXXXXXX was attempted and declined. I did not authorize this transaction. 
XXXX. XXXXXXXX XXXX XXXX XXXX  {$5.00} purchase at XXXX was approved. I did not authorize this transaction. 
These transactions occurred hours after the unauthorized XXXX XXXX provisioning at XXXXXXXX XXXX XXXX  and the earlier fraudulent XXXX  and XXXX XXXX transactions reported in my previous complaints. This demonstrates a multihour pattern of unauthorized access and fraudulent use of my card. 
These new events further contradict prior statements from Synchrony and PayPal Credit claiming that my account was secure, that no unauthorized access occurred, and that no provisioning attempts were successful. The companys earlier investigations were incomplete or inaccurate. 
I previously requested investigation records, device information, IP logs, and digitalwallet provisioning logs from the company. The company did not provide this information and instead issued contradictory or incomplete responses. The continued fraudulent activity shows that the account was not secured and that the company failed to take appropriate action. 
I am requesting that the CFPB require the company to conduct a full reinvestigation of all unauthorized activity, provide the requested logs and documentation, remove all liability for unauthorized transactions, reissue a secure card, deactivate all digitalwallet tokens, and confirm in writing that the account has been secured.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Chambless, Math, Carr, P.C.
State: MS

Complaint narrative:
In response to documents requested and received. The answer is partial, some I got others I didnt. And last email I sent asking for the role of this debt collector or attorney I get no answer. XXXX told to relay all inquiries of the credit union to this individual but he tells me differently. His signature is an attorney but his footer is a debt collector so XXXX confused as to who XXXX dealing with and for what. I want my complete file he has on me and my loan, I want to know XXXX XXXX role in the loan, and the status of the loan bc its reported inaccurate on my credit reports per the last clue I received but didnt get it confirmed. 

When car was XXXX in XXXX  it was damaged beyond the loan amount yet no deduction was offered up, when I asked for the XXXX file I got partial file and was told by XXXX XXXX that if I filed lawsuit I can get what I want in discovery ( in around about way denying providing me with what I asked for. ). On top of damages I had irreplaceable item stolen out of the car under there supervision of the car that knowone wanted to take liability for. 

When I talked to credit union they told me, and Ive also received an email from XXXX XXXX that all communication is directed thru him from that point forward but now he says differently so idk what to do when all I want is anything with my name on it in his file or computer given to me. If XXXX not entitled said documents I need to know why and the legality of withholding it. 

Very simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
There was unauthorized ACH transactions taken out of my account by XXXX on XX/XX/25 for {$19000.00} and {$9500.00} on XX/XX/25. These transactions were not authorized by me and the money was never returned to My account. I reported these items as fraudulent and Chase bank did not honor the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding Cash Apps handling of my account and personal data. 

I successfully completed Cash Apps identity verification process, including submission of my government-issued ID, Social Security card , and biometric facial verification. I received confirmation that my account was verified. Despite this, Cash App closed my account approximately XXXX days later without any explanation or notice. 

Cash App has not provided a reason for the closure, nor disclosed whether my sensitive personal dataincluding my Social Security information and biometric datais being retained, for how long, or under what legal basis. 

I am concerned about the collection and potential retention of highly sensitive personal and biometric data in the absence of transparency or meaningful explanation, especially where no account activity occurred and no violation was communicated. 

I am requesting that Cash App : XXXX. Provide a written explanation for the account closure ; XXXX. Disclose whether my ID documents, SSN, and biometric data are retained ; XXXX. Confirm the retention period or deletion of this data ; and XXXX. Ensure compliance with applicable consumer-protection and data-privacy requirements. 

I am not alleging fraud, but I am seeking transparency, proper data handling, and confirmation that my personal information is being managed lawfully and securely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In XX/XX/year>, Wells Fargo Mortgage changed monthly payment amount On my home mortgage after an escrow review. My bank ( XXXX XXXX XXXX XXXX  ) made an error processing the new payment amount. Wells Fargo did not contact me using any means as their information on the account was outdated and erroneous. Rather than writing to me directly to notify me of the payment problem, they instead reported incorrectly that no payment had been made directly to the credit bureaus. Even though I corrected the issue the next month once I identified the issue. After more than 20 years of on-time mortgage payments with no issues or late payments. The erroneous information has damaged my credit rating and hurt me and my family. The banks does not intend to help resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
ATTORNEY REVIEW : EVIDENCE OF FRAUD & PRIVACY BREACH Client : XXXX XXXX Phone : XXXX Property : XXXX XXXX XXXX, XXXX XXXX, XXXX  Lender : Rocket Mortgage Overview for Counsel : XXXX XXXX is a two-time XXXX survivor ( XXXX ) with documented XXXX. He has uncovered a pattern of administrative fraud and federal privacy violations that justify a claim for punitive damages under Kentucky law ( KRS 411.184 ) for " Oppression, Fraud, and Malice. '' 1. Fabrication of Legal Identity ( Identity Fraud ) The Fact : Rocket Mortgage generated legal closing documents for a person named " XXXX A. XXXX. '' The Evidence : No such person exists. XXXX XXXX ex-wife ( divorced 11 years ago ) does not use that name. Rocket Mortgage fabricated this identity to force a closing. 
2. Federal Privacy Breach ( GLBA Violation ) The Fact : Rocket Mortgage shared XXXX XXXX private loan data with a non-borrower third party ( his ex-wife ). 
The Admission : Rocket Mortgage stated in writing that they sent a " copy of a letter '' regarding his private mortgage to her, despite her having no financial part in this loan.

3. Predatory " Bait and Switch '' ( TILA Violation ) The Fact : The lender promised points for a lower rate but then added a hidden {$9600.00} origination fee to recoup the cost.

4. Damages & Demands XXXX XXXX : {$100000.00} for fraud, privacy violations, and intentional infliction of emotional distress.

Non-Monetary Demands : A formal written apology and a total " Credit Scrub '' of all inquiries and negative reporting. 
Client Note to Attorney : " I have the portal screenshots and the letter they sent. I am a two-time survivor and I want them to answer for the 5 days of XXXX and the fraud they tried to commit. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I opened a Clearly Better Business Checking account with Citizens Bank after reviewing Citizens publicly advertised promotional offer for a {$300.00} bonus. I satisfied all stated eligibility requirements and conditions of the promotion, yet Citizens Bank failed to pay the bonus by the required payout date. 

I opened my first Clearly Better Business Checking account on XX/XX/2025, within the promotional eligibility window. I made a single qualifying deposit of {$5000.00} on XX/XX/2025, which posted to the account by the deadline applicable to accounts opened in XX/XX/2025. I maintained a balance of at least {$5000.00} through XX/XX/2025, satisfying the requirement that the opening deposit remain on deposit through the required maintenance period. I also completed XXXX qualifying debit card transactions, consisting of XXXX qualifying transactions in XX/XX/2025 and XXXX qualifying transactions in XX/XX/2025, which exceeds the requirement of XXXX qualifying transactions during the applicable months. I remained the primary signer, had not been a signer on any Citizens business checking account within the prior XXXX months, and kept the account open, active, and with a positive balance through the payout date. 

Under Citizens Banks published terms and payout schedule for accounts opened in XX/XX/2025, the {$300.00} bonus was required to be deposited by end of day XX/XX/2025, and labeled as a Balance Builder Bonus. The bonus was never credited to my account. 

I made multiple good-faith attempts to resolve this issue directly with Citizens Bank , including several phone calls and an in-person visit to the branch where the account was opened. During my branch visit, I was informed that my documentation would be forwarded to Citizens marketing department for review. Despite these efforts, I received no follow-up, no explanation, and no payment of the promised bonus. 

I am attaching screenshots of my transaction history and a link to Citizens Banks promotional offer to demonstrate that all published requirements were satisfied. Citizens Bank has not identified any specific term I allegedly failed to meet. 

Citizens Banks failure to honor its advertised promotion after all conditions were met raises concerns that the offer may be misleading or unfair, and that the bank is improperly withholding earned promotional payments without disclosure or justification. 

Link to promotional offer : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX I was trying to send {$800.00} from my cash app account to my work card & it was sent to an old bank account that has been closed for years. I want my money transferred back to my cash app as easy as it was sent. The investigation was only for XXXX  days & I still haven't heard anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX XXXX, I received an accountservicing email from Synchrony Bank  stating that my PayPal Credit Card had been added to XXXX  XXXX. I did not authorize this action. I do not own or use any XXXX devices, and I have never used XXXX XXXX. This email confirms that an unauthorized party successfully provisioned my card into a digital wallet. 
This contradicts prior statements from Synchrony and PayPal Credit claiming that no unauthorized access occurred, that no provisioning attempts were successful, and that my account was secure. The XX/XX/XXXX provisioning confirmation shows that these earlier responses were incomplete or inaccurate. 
This event is part of a broader pattern of unauthorized activity affecting my accounts. I previously reported unauthorized access attempts, including digitalwallet provisioning attempts and other fraudulent activity. I requested investigation records, device information, IP logs, and digitalwallet provisioning logs from the company. The company did not provide the requested information and instead issued contradictory or incomplete responses. 
I am requesting that the CFPB require the company to : Reopen and complete a compliant investigation under 12 CFR 1005.11 Provide full device, IP, and token provisioning logs for all XXXX XXXX attempts and successes Correct prior inaccurate statements made to me and to the CFPB Remove any liability associated with unauthorized provisioning or resulting transactions Implement appropriate fraudprevention measures to stop further unauthorized access This provisioning confirmation demonstrates ongoing unauthorized use of my identity and payment credentials, and the company has not resolved the issue or provided the required documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
I created a business account through XXXX and linked it with my business cash app and made business purchases that was XXXX XXXX XXXX XXXX XXXX XXXX locked in number and I attached my XXXX XXXX XXXX XXXX as well as my XXXX XXXX XXXX to this account and they still are keeping me locked out of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
This complaint is directly related to my prior CFPB complaint # XXXX and provides new evidence of ongoing unauthorized use of my PayPal Credit Card issued by Synchrony Bank. 
On XX/XX/year>, a sequence of unauthorized events occurred on my PayPal Credit Card : XXXX. XXXXXXXX XXXX  EST I received an accountservicing email stating that my card had been added to XXXX XXXX I did not authorize this action. I do not own or use any XXXX devices, and I have never used XXXX XXXX. 
XXXX. XXXXXXXX XXXX EST I received a second servicing email stating that a {$25.00} purchase at XXXX  was attempted and declined. I did not authorize this transaction. 
XXXX. XXXXXXXX XXXX EST I received a third servicing email stating that a {$50.00} purchase at XXXX XXXX  was approved. I did not authorize this transaction either. 
These three events occurred within 45 minutes, demonstrating a clear pattern of unauthorized access and fraudulent use of my card immediately after the unauthorized XXXX XXXX provisioning. 
This new evidence directly contradicts prior statements from Synchrony and PayPal Credit claiming that my account was secure, that no unauthorized access occurred, and that no provisioning attempts were successful. The companys earlier investigation was incomplete or inaccurate. 
I previously requested investigation records, device information, IP logs, and digitalwallet provisioning logs from the company. The company did not provide this information and instead issued contradictory or incomplete responses. The new fraudulent activity further demonstrates the need for a complete and compliant investigation. 
Requested Resolution : I am requesting that the CFPB require the company to : Conduct a full reinvestigation of the unauthorized XXXX XXXX provisioning and both fraudulent transactions Provide device, IP, and token provisioning logs for all unauthorized activity Correct prior inaccurate statements made to me and to the CFPB Remove all liability for unauthorized provisioning, attempted transactions, and completed transactions Reissue a new, secure card and block all existing digitalwallet tokens Implement enhanced fraudprevention measures to prevent further unauthorized access Provide written confirmation that my account has been secured This complaint documents ongoing unauthorized use of my identity and payment credentials, and the company has not resolved the issue or provided the required documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX continued inaccurate and misleading credit reporting of an auto loan account that has been charged off. 

XXXX XXXX is reporting this account with inconsistent Dates of Last Activity and Dates of Last Payment across consumer reporting agencies, which indicates potential improper re-aging in violation of the Fair Credit Reporting Act ( 15 U.S.C. 623 ( a ) ( 5 ) ). 

Additionally, the account is being reported with a full past-due balance while simultaneously reflecting contradictory payment information. Despite multiple disputes submitted through consumer reporting agencies, XXXX XXXX has failed to provide documentary evidence, including : The original signed contract A complete and accurate payment history The method of verification used during reinvestigation

Company response to consumer: Closed with explanation