vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: EGL US, LLC
State: MD

Complaint narrative:
I am filing a complaint against BMG Money regarding unauthorized and excessive withdrawals from my allotment. Since approximately XXXX, BMG Money has been deducting an additional {$100.00} on top of my agreed-upon payment of {$110.00}. These extra withdrawals continued for over a year after they changed banking information and failed to stop the additional deduction. I contacted BMG Money to request a refund for the overpayments. However, I was told that they are only able to review and refund transactions from the past 60 days. This is unacceptable, as the overcharges have been ongoing for a much longer period and were not authorized by me. As a result, I have been overcharged thousands of dollars due to BMG Moneys failure to properly manage my account and stop unauthorized deductions. I am requesting the following : 1. A full investigation into my account and payment history. 2. A complete refund of all unauthorized overpayments dating back to when the issue began in XXXX. 3. Written confirmation that the unauthorized deductions have been permanently stopped. 4. A detailed statement of all payments made and amounts applied to my loan. I believe BMG Money has engaged in unfair and deceptive practices by continuing to withdraw funds beyond the agreed payment amount and refusing to correct the issue beyond an arbitrary 60-day limit. Please assist me in resolving this matter and ensuring I receive the refund I am owed. XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I had opened up a Huntington Bank on Friday XX/XX/XXXX that following XXXX my bank was closed due to it being flagged I guess in XXXX. There was a check that was deposited in altered without my consent. Supposedly it was wrote for {$60.00} but was altered to XXXX something it was cashed. I had no knowledge of this going on due to the address change. I didnt receive any additional info on this now. I have a Huntington account open and its frozen with {$45.00} in it and I cant get it nor can I access my Huntington account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting a second complaint regarding my solar loan with Dividend Solar due to the lenders failure to address my prior complaint and subsequent formal dispute. I previously filed a complaint concerning this matter, which was closed after the lender provided a response stating that they are only the financing company and directed me to contact the manufacturer. This response did not address the core issues raised in my complaint. This dispute involves the enforceability of a financed solar installation that has experienced ongoing issues and is no longer supported due to the installers XXXX XXXX bankruptcy. At the time of sale, the solar system was represented as including : XXXX workmanship warranty XXXX labor warranty Lifetime roof penetration warranty Long-term service and system support The installer, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX filed XXXX XXXX bankruptcy in XX/XX/XXXX and is no longer in operation. As a result, the installation-related warranties and service commitments that were a fundamental part of the agreement are no longer available. In addition, the system has experienced ongoing issues since shortly after installation in early XXXX. Most recently, the system has not reported monitoring data since XX/XX/XXXX due to a gateway communication failure, as confirmed by XXXX XXXX. XXXX also confirmed that resolving the issue requires on-site service. Because the original installer is no longer in business, this would require hiring a third-party installer at my own expense. After my initial complaint was closed, I took the following steps : XX/XX/XXXX Submitted a Formal Notice of Dispute to Dividend XX/XX/XXXX Submitted supplemental documentation XX/XX/XXXX Sent a follow-up request XX/XX/XXXX Sent an additional follow-up requesting escalation As of the date of this complaint, I have received no acknowledgment or response from Dividend regarding my formal dispute. This is not a routine service issue. The financed system can not fulfill the long-term service, warranty, and support obligations that were essential to the agreement because the installer is no longer available. Redirecting me to the manufacturer does not restore the lost installation warranties or service obligations that were part of the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
Square placed a hold on my business funds while claiming there was a recent uptick in payment disputes on my account. This statement is inaccurate. To my knowledge, there have been no chargebacks or disputes associated with my account. All transactions processed through Square were legitimate business transactions for professional chauffeur transportation services. Despite the absence of disputes, Square restricted access to my funds during an active business period, which caused operational and financial strain. I rely on timely access to funds to operate my transportation business, particularly during peak seasonal demand. Additionally, Square required me to submit highly sensitive and confidential client information in order to release my funds. This included client names, contact information, reservation details, travel itineraries, private addresses, and text message communications. My business serves clients who expect discretion and confidentiality, and being forced to disclose this level of private client information created reputational and confidentiality concerns. This is particularly concerning given prior issues where Square previously confused my business with another company, despite having different EINs and business details, which also resulted in funds being held unnecessarily. I contacted Square seeking clarification regarding the alleged disputes and the reason for the hold, but did not receive a clear explanation. Instead, I was required to provide additional documentation and confidential client information without justification. I am requesting that Square : Provide a clear explanation for the alleged disputes Release held funds promptly Correct any inaccurate risk designation on my account Confirm how confidential client information submitted during the review is protected Ensure my account is not repeatedly flagged without valid justification Squares actions have caused business disruption, reputational risk, and unnecessary operational difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Tate and Kirlin Assoc
State: VA

Complaint narrative:
I started getting repeated texts from ( XXXX ) XXXX saying Tate & Kirlin ( Debt Collector ) : options for your XXXX balance at XXXX : XXXX Reply STOP to opt out on or before XX/XX/year>. I thought it was spam because Ive never done business with a company called XXXX. After I getting more and more text messages saying the same thing, I did some research to find out if Tate & Kirlin was a valid company. When I found out they were and got their contact info I called them confirm they have been trying to contact me. They had my name, address, and phone number ( because they knew it was me calling without me telling them my name ). They said it was an internet order from XXXX for {$29.00} that went into collections and the balance is {$79.00} and they wanted me to pay it over the phone to settle the debt. I told them to send me the information in writing. They said theyve been sending me letters but I never received anything. I dont have any records on doing business with XXXX. I sent a certified debt validation request to Tate & Kirlin Associates on XX/XX/year>, disputing an alleged debt and requesting validation under the FDCPA. They received the letter on XX/XX/year> but have not provided any validation. Despite this, they continue to send collection text messages with links to pay/view the account. This appears to be a violation of 15 U.S.C. 1692g ( b ), which requires collection activity to cease until validation is provided. I am requesting that they stop all communication and provide proper validation or cease collection entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Subject : Incorrect Last Payment Date Request for Correction or Deletion To Whom It May Concern : I am disputing inaccurate information being reported on my credit file regarding a Portfolio Recovery Associates ( PRA ) account. The credit report shows a Last Payment Date of XX/XX/year>, which is factually incorrect. No payment was made on that date, and the furnisher can not verify this information because no such payment exists. Under the Fair Credit Reporting Act ( FCRA ), all information must be accurate, complete, and verifiable. Since the reported last payment date is inaccurate and can not be verified, I am requesting that the bureau : Correct the last payment date to the accurate value OR delete the tradeline entirely if it can not be verified. Please complete your investigation and provide me with the results. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> a hard inquiry by Capital One, XXXX XXXX XXXX, UT, XXXX, XXXX, was made on my credit report dropping my score XXXX points. I called them to let them know that it wasn't me who applied for the bank credit card, and they were more concerned about verifying my identity and I didn't feel that was equitable. I just wanted to bring it to their attention so they could stop the process and cancel it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am a class member in a court-approved settlement ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I was notified that I was entitled to a settlement payment of approximately {$450.00}, which was selected to be sent via Zelle. The payment was allegedly issued on XX/XX/year>, but I never received it. I made multiple attempts to contact the settlement XXXX prior to XX/XX/year> regarding the missing payment and received no resolution. On XX/XX/year>, I was informed that an investigation had been opened into the missing payment. Since then, I have not received any updates, transaction confirmation number, payment status, or proof of delivery. I have repeatedly requested confirmation of whether the payment was completed, pending, failed, or returned, as well as reissuance of the funds by check if the Zelle transfer could not be completed. No resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
am so tired of this. I been fighting this company for months and they just ignore me. XXXX XXXX XXXX ( XXXX ) put XXXX collections on my Equifax report. Also on XXXX XXXX XXXX. I never got a single letter from them. Never a phone call. Nothing. The first time I heard of them was when I got denied for an apartment in XX/XX/year>. The landlord showed me my credit report and said " what is this '' and I had no answer. I felt stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I would appreciate it if CFPB can investigated how defer interest rate is structured. And how XXXX XXXX store choose to work who is a credit company has excessive interest rate. 35 % weather the customer is aware of or not lot of reasons that can be the factor customer may not paid on time... Defer interest is hurting the customers..... And XXXX works with the company that had a bad reputation

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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I have a law suit going into affect XXXX XXXX allegedly navy federal credit union has placed my account on a freeze limited me too only doing ach and check only I cant use my debit card as they were frozen I do believe this was done in error as they stated its because I have too many cards on my account well four of the cards that were sent were sent via email and my phone had gotten stolen I informed them of this and they still didnt want too help not only were they very rude they were not professional about it over taking me telling me they would hang up the call telling me the call isnt productive is all signs of bad business practices I want too also let it be known that my monthly check is sent here its gon na stop me from paying my rent etc and potentially put me in a financial burden Im asking you navy federal credit union too Atleast life one of those card so I can pay my bills etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX, I received a XXXX letter stating that my account was overdue and being referred to a collection agency. I had applied for an XXXX XXXX XXXX months before, and purchased some airline tickets on the new card. I completely forgot about the account. I never received a physical card, or statements prior to XXXX. After attempting to negotiate and explain the situation, but Citi Bank refused to acknowledge their lack of communication prior to the threat of collection agencies. I paid the account in full in XXXX when I was able to get the funds. I was assured that the amount was paid in full. I never received a card, an account number, or any explanation of my payment. The following month, I received an email that I once again had an outstanding balance that was late. The bank includes a link in their email that leads me to a second credit card that I have open with them, that I pay on time. Therefore, when I click the link in the email that claims I have an overdue balance, it brings me to a page that shows I am paid up and the account is in good standing. I am forced to call a XXXX number that is time consuming and burdensome to use and every month they tell me I have a {$42.00} - XXXX balance outstanding because of something that wasn't paid the last month. This month, XXXX of XXXX, I once again received this predatory and confusing email. After 30 minutes on the phone going round and round with a " customer service '' representative, I received very little information other than they are charging me a " {$1.00} '' interest fee on a phantom balance and that is why a late fee is assessed every month. I am attaching, for reference, screenshots of the e-mails I receive advertising links that will take me to my account information. When I click to " view my statement '' - it takes me to a page that only shows my second credit card, which is paid on time and is in good standing. These practices are deceptive and predatory, and target those who are already financially burdened.

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 monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding the continued reporting and verification of an alleged account without a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). I have submitted multiple disputes through consumer reporting agencies challenging the accuracy of this account. Despite receiving notice of these disputes, the company continues to verify the account without demonstrating that a reasonable investigation was conducted. To date, the company has not provided sufficient underlying documentation to support the accuracy of the information being reported. There is no signed agreement, no complete chain of title, and no competent evidence establishing that I am legally obligated on the account. Instead, the company appears to rely on generic account statements and automated verification processes. Rather than addressing its obligations under the FCRA, the company has repeatedly relied on FDCPA-based arguments, asserting that it is not required to provide certain documentation. This mischaracterizes the issue and avoids the core requirement under the FCRA to conduct a reasonable investigation into disputed information. Additionally, the company has attempted to distort the nature of the dispute by suggesting that it is based on a misunderstanding of a charge-off. This is inaccurate. The issue is not the definition of a charge-off, but whether the account can be verified through a reasonable investigation supported by sufficient documentation. This appears to be an attempt to confuse and divert from the core issue. Further concerns arise from inconsistent reporting. XXXX has already deleted the account, yet it continues to be verified with other consumer reporting agencies. This discrepancy indicates that the information is not reliably verifiable and calls into question the adequacy of the investigation. Additionally, prior complaints submitted through this platform have been closed as duplicate, preventing meaningful review of the underlying FCRA issues. Verification of disputed information without sufficient underlying documentation does not satisfy the requirements of FCRA 1681s-2 ( b ).

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 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am receiving repeated account and collection-related emails from Synchrony Bank/One Pay regarding an account that does not belong to me. On XX/XX/XXXX, I contacted Synchrony customer service and was informed that my email address was incorrectly associated with this account and would be removed. After continuing to receive emails, I followed up again in writing on XX/XX/XXXX requesting correction. Despite these notices, I have continued to receive account-related communications, including billing reminders addressed to another individual ( XXXX ) and referencing a specific account ending in XXXX. More recently, these communications have escalated to collection-related emails regarding this same account. I am not the account holder, do not owe this debt, and have no relationship to this account. Synchrony has already confirmed this. Despite multiple notices and confirmation, my email address has not been removed and I continue to receive communications regarding this account in error. I am requesting that my email address be immediately removed from this account and all related systems, and that all further contact regarding this matter cease.

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 2026-04-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX and Equifax violated my rights as a consumer under 15 USC 1681C-2 and i need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove XXXX XXXX account XXXX date XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: RI

Complaint narrative:
Cashapp sent me an email stating that they would provide a XXXX bonus of {$5.00} if I purchased {$10.00} worth of XXXX. I made the purchase of {$10.00} worth of XXXX, but I never received a {$5.00} bonus of XXXX. I attempted to reach their customer service, but it is just an AI type bot that could not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding my solar panel loan, which is now administered by Dividend Finance. The original company that installed my panels back in XXXX XXXX XXXXXXXX XXXX dissolved a few years ago. According to my original contract, there was a XXXX warranty, and the company committed to providing service for XXXX years. However, since XXXX, my solar panels have not been functioningthey are not producing energy, and my electricity bill is no longer being reduced. Despite this, I have continued making payments. I contacted Dividend Finance to explain the situation, but they told me I would have to pay for a separate repair service. I am not willing to pay extra, as this maintenance was explicitly included in my payments.

Company response to consumer: Closed with explanation