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: 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:
In XX/XX/year>, I contacted XXXX regarding issues experienced at a live event, including seating limitations, audio problems, and a canceled parking reservation. After reviewing the complaint, XXXX offered a {$190.00} refund for service fees in writing. Before accepting the refund, I requested escalation in good faith to determine whether additional review or accommodation was available. After escalation, XXXX withdrew the previously offered refund and stated that the matter had been resolved by the venue. At no point was I informed that requesting escalation would void the refund already offered. I disputed the matter through XXXX XXXX because the issue was no longer simply dissatisfaction with the event, but the withdrawal of previously promised compensation without disclosure. The dispute was denied primarily because the event had already occurred and due to timing limitations, without adequately addressing the reversal of the offered refund. I am requesting review of the dispute handling process and reconsideration of the previously offered {$190.00} refund.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against Cash App ( Block, Inc. ) for an incomplete and flawed investigation into a disputed transaction involving merchant fraud and severe medical complications. I disputed two charges to a dental clinic in XXXX totaling {$6100.00} ( {$4000.00} on XX/XX/XXXX and {$2100.00} on XX/XX/XXXX ). The dental services provided failed catastrophically, resulting in a severe latent medical emergency. On XX/XX/XXXX, I was admitted to the XXXX XXXX at XXXX XXXX XXXX, where I was diagnosed with a XXXX XXXX and had to undergo XXXX XXXX ( Incision and Drainage ) to treat the XXXX. Furthermore, the merchant committed financial fraud by secretly adding unauthorized hotel night charges into my total bill without my consent or a signed itemized receipt, which I only discovered after the fact. Cash App closed my dispute citing a rigid 60-day timeline from the initial transaction date. However, consumer protection laws protect against services not rendered as contracted, and the true " date of discovery '' for a latent medical failure and hidden fraud is the date the emergency/fraud was uncovered ( XX/XX/XXXX ), putting this well within a fair investigative window. I requested a detailed copy of Cash App 's investigation records, all merchant evidence used to deny my claim, and the specific reasons for the denial. In response, Cash App Disputes merely sent me a 1-page summary letter listing the transaction amounts, completely failing to provide a true investigative report or address my medical evidence. Cash App is failing its regulatory duty to investigate a clear case of merchant fraud and medical malpractice. I demand a high-level executive review of this claim and a reversal of the charges. An active government sanitary investigation is also underway with XXXX ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: Comerica
State: KS

Complaint narrative:
My account was suspected of fraudulent activity, meaning someone was using my funds without my consent, by XXXX XXXX. They sent me a letter in the mail to notify me of this matter with a new card to utilize. I did not see any fraudulent activity nor was concerned. This was approximately during the last week of XXXX. On XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX I tried to use my XXXX XXXX card and it wouldn't process any transactions- whether in store or online. I didn't understand why this was occuring- it appeared to be my account was frozen and unable to be used by me, its correct recipient. I attempted to call XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was continuously transferred to a different department and stuck in a loop never reaching someone to obtain assistance, on hold continuously for lengthy amounts of time. I attempted to teach them again by phone on XX/XX/XXXX, XXXX, XXXX and the XXXX. This issue was repeated. I called them again, on this day, XX/XX/XXXX, a total of 5 times to obtain a supervisor to resolve my issue- I finally reached a supervisor and they couldn't resolve the issue due to a " lack of verifying identity '' despite me providing address, full legal name, date of birth, social security number, etc '' Due to the lack of help from this company the benefits I receive for social security for my XXXX XXXX daughters whom have lost their father, may not get the adequate help and needs I utilize their benefits for, nor will their birthday parties that were planned in advance with the assumption that the funds provided by social security would in fact be accessible. As you can see this is a delicate matter and a very frustrating one. Please if you could assist in helping this matter be resolved at your earliest convenience it would be much appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am disputing the validity of the alleged debt and balance associated with the account listed above. Under federal and state consumer protection guidelines, I request that you provide full validation and verification of this account, including an itemized breakdown of the alleged balance. Furthermore, this letter is a formal demand that Synchrony Bank immediately cease all telephone communications to my phone number, XXXX, regarding this matter. Synchrony Banks collection practices regarding this account have crossed into extreme harassment, severe distress creation, and explicit violations of consumer law. Specifically, I have documented the following pattern of egregious behavior : On XX/XX/year>, while at the airport traveling to be with my mother who was on hospice, I explicitly informed the representative to stop calling for now, explaining the medical emergency, and stated that I would resolve the issue when possible. Despite being explicitly told that calls were highly inconvenient and to stop calling, Synchrony Bank proceeded to call me repeatedly that same day across multiple time zones : - XXXXXXXX XXXX : Received a call from an XXXX XXXX number. - XXXXXXXX XXXX : Received another call, where I again pleaded, " please give me some time. '' - Upon landing on the XXXX XXXX, I discovered three ( 3 ) separate voicemails left during my flight. - Later that night ( XXXX XXXX time ), Synchrony Bank called me two ( 2 ) more times from XXXX XXXX ( XXXX ) numbers, violating acceptable calling hours for my local time. Over the last two months alone, I have accumulated a log of over 100 voicemails from Synchrony Bank. Over the last week, I have been called more than 20 times. This persistent, aggressive contact during a profound family emergency constitutes a severe violation of federal Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) guidelines enforced by the Consumer Financial Protection Bureau ( CFPB ). Furthermore, because I explicitly revoked any consent to be called on my mobile device, continuing to flood my line with automated dialing systems violates the Telephone Consumer Protection Act ( TCPA ) and the Washington State Consumer Protection Act ( RCW 19.86 ). From the date of this letter forward, you are permitted to contact me only in writing via U.S. Mail at the address listed above. If Synchrony Bank or any third-party agency acting on your behalf attempts to place another telephone call to my number, I will immediately forward my complete call logs, including the 100+ voicemails, to my legal counsel, the CFPB, and the Washington State Attorney Generals Office to pursue civil statutory damages of up to {$1500.00} per illegal call. Thank you for your immediate compliance.

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 — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Bridgecrest Re : Account No. XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am sending this letter as a formal demand that you cease reporting inaccurate and derogatory information regarding the above-referenced auto loan account to any credit reporting agency. The vehicle connected to this account was totaled, and my primary insurance company paid the claim. XXXX insurance was supposed to cover the remaining balance. Because of this situation, I dispute the validity and accuracy of the balance currently being reported on my credit report. Your continued reporting of this account as derogatory is causing damage to my credit profile and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to report information accurately and investigate disputed accounts. I request the following immediately : 1. Cease reporting this account as derogatory. 2. Conduct a full investigation into the balance being reported. 3. Provide verification of the debt and proof that the amount is legally owed after insurance and XXXX coverage. Resolution Requested I demand the immediate deletion of this account and all associated derogatory information from all consumer reporting agencies, including XXXX, XXXX, and XXXX. Because the vehicle was totaled and insurance payments were made, the continued reporting of this account as derogatory is inaccurate, misleading, and damaging to my creditworthiness. I request that Bridgecrest immediately : - Delete the entire tradeline from all credit bureaus ; - Remove all late payments, derogatory remarks, charge-offs, and negative payment history associated with this account ; - Cease any further reporting of this account ; - Provide written confirmation that the account has been deleted and reporting permanently terminated. If you are unable to provide complete and verified documentation proving the alleged remaining balance is legally collectible after insurance and XXXX processing, then under the Fair Credit Reporting Act you must delete the account entirely from my credit file. If this matter is not corrected, I reserve the right to file complaints with the Consumer Financial Protection Bureau, the state attorney general, and pursue any additional legal remedies available under federal and state law. Please respond to this dispute in writing within 30 days. Sincerely XXXX XXXX

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

Complaint narrative:
i trying to get to my bitcoins and stocks but they closed my account i wasn't they one violate my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I went to an ATM in XXXX when I was on vacation and tried to pull out money 3 times in an row and each of the times the ATM said declined. I called Chase the next day, told them and they did an investigation. Up to this point I have talked to them 4 times. Date of the ATM withdrawal where it declined and I did not get my money back : XX/XX/year> 1st time : {$490.00} -> Chase declined my claim without giving me any information 2nd time : {$340.00} -> Chase has this one pending 3rd time : {$170.00} -> Chase gave me this amount back already The issue I am running into is since I am back in the United States I do not know which ATM I was at in XXXX. If they would have told me initially to go to the ATM when I was in XXXX I would have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I created a PayPal account and completed the identity verification process, including facial scanning and licensing/identification verification multiple times at PayPals request. Despite complying with these verification procedures, PayPals technology repeatedly failed to properly process or recognize my information. As a result of these technical failures, PayPal permanently limited my account. After the permanent limitation was imposed, I requested that PayPal permanently close the account and discontinue all association with my personal information, email address, and login credentials. PayPal representatives informed me that this was impossible and stated that the only option was for me to create a new email address and open an entirely new account. I was told there was no way to fully close or delete the restricted account. I expressed serious concerns that PayPal would indefinitely retain my email address, login information, and account data despite preventing me from using the account and despite my repeated requests to terminate the relationship with the company. I specifically requested support solutions, escalation assistance, and communication with a supervisor. Those requests were declined or not accommodated. In summary, PayPals identity verification technology failed during repeated verification attempts, yet the consequences of those failures were placed entirely on me. The company permanently restricted my account, refused to provide a meaningful resolution process, refused escalation to supervisory personnel, and refused to allow me to fully close and disconnect the account from my personal information. I spoke to two reps, including XXXX.

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: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: IL

Complaint narrative:
I have relationship with E * Trade and Morgan Stanley Private Bank Account since XX/XX/year> as shown in the attached documents. Suddenly on XXXX XXXX, E * Trade and Morgan Stanley Private Bank Account closed my Accounts and they sent me letter that someone else fraudulently used my personal information to open this E * Trade and Morgan Stanley Private Bank Account and hence they closed the Account. The attached letter also says to call a number if the Account was closed in error. I called E * Trade and Morgan Stanley Private Bank Account to inform that I opened this E * Trade and Morgan Stanley Private Bank Account Ending in XXXX and there is no matter of Identity Theft in this matter but E * Trade and Morgan Stanley Private Bank Account said they have decided to not do business with me. On XXXX XXXX, I transferred {$1100.00} to my XXXX XXXX XXXX Account from my E * Trade and Morgan Stanley Private Bank Account Ending in XXXX. On XX/XX/XXXX, E * Trade and Morgan Stanley Private Bank Account filed claim that this {$1100.00} does not belong to me and it belongs to the following person : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, SSNXXXX, D.O.B-XXXX. I am this above person. I can also submit a sworn Affidavit that I transferred {$1100.00} from my E * Trade Morgan Stanley Private Bank Checking Account Ending in XXXX to my XXXX XXXX XXXX Checking Account Ending in XXXX on XXXX XXXX. Hence both E * Trade Morgan Stanley Private Bank Checking Account Ending in XXXX and XXXX XXXX XXXX Checking Account Ending in XXXX are my Accounts. Hence there is no Identity Theft involved in this matter and please release the hold of my {$1100.00} from my XXXX XXXX XXXX Checking Account Ending in XXXX ASAP. My phone number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NM

Complaint narrative:
This info has been filled under false presence. This account was called on to be closed and cut off due to phone being broken could no longer use. XXXX XXXX refund to close account this charging me more then what was due and I'm not paying it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I entered into a reinstatement agreement with the lender that provided me until XX/XX/year> to reinstate my account and recover my vehicle. Before that reinstatement deadline expired, the lender authorized my vehicle to be transported to an auction location on XX/XX/year>. I made my reinstatement payment within the agreed timeframe. Because the vehicle was moved before the reinstatement deadline expired, I was charged additional transportation and related fees that I do not believe should be my responsibility. These fees were incurred as a direct result of the lender authorizing the vehicle transfer before my contractual reinstatement deadline had passed. I contacted the lender multiple times requesting clarification and disputing these charges. During those conversations, representatives implied that the repossession/storage lot independently authorized the transfer. However, when I contacted the repossession/storage company directly, they confirmed that the lender authorized the move. I believe I am being charged avoidable and unnecessary fees despite complying with the reinstatement agreement within the allowed timeframe. In addition, my license plates were removed from the vehicle during this process, creating additional expenses and inconvenience related to registration and replacement plates. I am requesting : Removal or reimbursement of the auction transportation-related fees and any related charges incurred due to the premature transfer ; A full itemized breakdown of all fees assessed to my account ; Copies of internal records showing when and by whom the auction transfer was authorized ; A review of the lenders handling of my reinstatement agreement and repossession process. I attempted to resolve this matter directly with the lender before filing this complaint but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I paid my apartment debt to TSI under TSI Account # XXXX ( p. 1 ). TSI issued a Paid in Full letter, but my original creditor, Local on 14th, states their system isn't updating and threatens further collections ( p. 1 ). I need TSI to immediately update the original creditor system or push the data file to clear my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my report and saw some accounts that don " t belong to me.

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 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CREDIT REPORT DISPUTE DEMAND FOR 4-DAY BLOCK, DELETION, AND FULL LEGAL COMPLIANCE Consumer : XXXX XXXX XXXX Year of Birth : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX This is a formal legal dispute pursuant to the Fair Credit Reporting Act directed to TransUnion LLC . I am demanding the immediate BLOCK and DELETION of all negative items being reported without permissible purpose, without contractual authorization, and without my explicit written consent. This dispute is based on the unlawful use, furnishing, storage, and dissemination of my personal identifying information without proper authorization or permissible purpose. VIOLATIONS INCLUDE BUT ARE NOT LIMITED TO : 15 U.S.C. 1681b Permissible Purpose Violations 15 U.S.C. 1681e ( b ) Failure to Assure Maximum Possible Accuracy 15 U.S.C. 1681i Failure to Conduct Reasonable Reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Illegal Reinsertion Without Certification 15 U.S.C. 1681l Lack of Consent to Furnish 15 U.S.C. 1681n & 1681o Civil Liability ADDITIONAL VIOLATIONS : 15 U.S.C. 6802 ( GLBA ) Unauthorized Use of Nonpublic Personal Information 15 U.S.C. 1692e & 1692g ( FDCPA ) False Collection Reporting 15 U.S.C. 1666b ( FCBA ) Billing and Credit Reporting Violations DISPUTED ITEMS : XXXX XXXX ( Acct : XXXX ) Charged off as bad debt ; {$1900.00} balance and past due ; canceled by credit grantor Requested Action : Remove all negative payment history, late payment notations, and derogatory status from tradeline XXXX ( Acct : XXXX ) Payment after charge-off / collection ; purchased by another lender Requested Action : Remove all negative payment history, late payment notations, and collection/charge-off coding from tradeline NO HARD INQUIRIES ARE CURRENTLY DISPUTED ON THIS ACCOUNT. DEMANDS : 1. Immediate 4-day block under FCRA 605B 2. Permanent deletion / correction of all negative items 3. Method of verification documentation 4. Proof of contractual obligation bearing my signature FAILURE TO COMPLY WILL RESULT IN : CFPB Complaint Civil Litigation for damages Signed, XXXX XXXX XXXX Consumer / Client

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