vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAVALRY INVESTMENTS, LLC
State: OR

Complaint narrative:
A debt collector initiated a call to me and, before verifying my identity, disclosed the last four digits of my Social Security number by stating them aloud and asking me to confirm them.

No identity verification occurred prior to this disclosure. This exposed nonpublic personal information to a potentially unauthorized party and raises concerns under the FDCPA and data privacy laws. 

I am requesting investigation and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Propel, Inc.
State: MD

Complaint narrative:
b'I was receiving direct depoist from XXXX  maryland sent to bank named PROVIDERS.  Payments were deposited XXXX of every month. However I was in a bad car accident In month of XXXX So I wasent able to change by direct depoist by the requested time that the bank requested it to be changed which I believed was the month of XXXX XXXX. I wasent able to change until month of XXXX XXXX  due to injurys from accident. I was hosbitlized until middle of XXXX. Which means my monthly benifits were still being sent to Providers XXXX after they closed. All payments were sent back to XXXX  and successfully recovered other then the month of XXXX and XXXXwhich was four payments dates and amounts are  XXXX XXXX \nMonthly benifit amount - XXXX amount $XXXX -RECIEVED\XXXX amount $XXXX-NOT RECEIVED XXXX XXXX amount $XXXX NOT RECIEVED\XXXX amount $XXXX  - NOT RECIEVED\n\nTOTAL BENIFIT AMOUNT NOT RECIEVED \n$XXXX For the months of XXXXXXXX XXXX XXXX  provided me with paperwork  from Treasury Department showing proof  Providers bank kept the four payments for both XXXX month of XXXX XXXX XXXX XXXX. now I been trying to solve this issue close to  a year and have not gotten nowhere.'

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 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: NC

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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, my XXXX XXXX account was targeted in an account takeover attempt. XXXX contacted me directly regarding an unauthorized attempt to change the phone number associated with my XXXXXXXX XXXX. I confirmed this was not initiated by me and immediately took steps to secure my account. 

Despite this, XXXX unauthorized devices were added to my XXXX account, indicating a successful compromise of my cloud credentials. Within the same timeframe, my Coinbase account was accessed without my authorization and multiple cryptocurrency transactions were executed that I did not initiate or approve, amounting to {$3100.00}. 

I promptly secured all accounts and reported the activity to the affected financial institutions. Both XXXX and XXXX independently investigated the same incident and ruled in my favor, returning the stolen funds, confirming that this was fraud and not authorized activity. 

Coinbase, however, denied my claim, asserting that because the access originated from a California IP address, the activity was my responsibility. Coinbase did not provide evidence of affirmative authorization, biometric confirmation, passkey approval, or any proof that I personally approved the transactions. An IP address alone does not establish authorization, particularly in the context of a documented account takeover involving compromised cloud credentials and unauthorized device additions. 

I filed a formal complaint and appeal with Coinbase requesting reconsideration and supporting documentation, but Coinbase has refused reimbursement despite clear evidence of third-party account compromise and independent fraud determinations by other financial institutions. 

I am requesting that Coinbase be required to properly investigate this matter, produce evidence supporting its denial, and reimburse the unauthorized transactions resulting from this account compromise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
This claim is related to claim number XXXX, which was closed without providing a final resolution. We are still waiting for a reasonable and actionable response from the bank. Although the accounts remain open, online access is completely unavailable. As of today, we have no visibility of balances and no way to make a payment on a credit card under my mothers name that was fraudulently used by scammers. 
During the second semester of 2025, we experienced multiple fraudulent transactions. Although the account was supposed to be credit-only, funds continued to be withdrawn. This forced us to repeatedly open formal complaints and wait for resolutions. What was never clearly communicated is that we were required to travel XXXX times to the United States to visit a XXXX XXXX, as these matters could not be resolved over the phone. This has resulted in significant financial cost, lost work time, stress, and personal hardship. 
As of today, we have been unable to access the final USD XXXX that was reimbursed. The account ending in XXXX is completely blocked, making it impossible to transfer or otherwise use these funds. 
In the most recent response, we were informed that my mother, XXXX XXXX, needed to contact the fraud department. She did so, but was told that she must appear in person at a XXXX XXXX, as all related accounts remain blocked. 
The same issue applies to the credit card associated with the fraud ( XXXX ). The card was requested by scammers, who performed cash advance transactions, and the amount is currently reflected in the account ending in XXXX. We continue to receive automated emails regarding the outstanding balance ; however, we are unable to make any payment. Over the phone, we have been informed once again that the account is blocked and that no assistance can be provided unless we travel in person. 
Throughout this process, we have been repeatedly informed about internal policies and procedures. While we understand the need for policies, we respectfully ask for fair treatment and respect. From the very beginning, we were told to trust the bank and assured that the accounts were blocked and secure. Despite this, over a period of more than XXXX months, we have had to manage ongoing uncertainty, lack of access, and a continuous erosion of trust, all while following the banks instructions in good faith. 
Despite our repeated efforts, this situation remains unresolved. We urgently need clear guidance, account visibility, and a practical solution that does not require additional international travel to access funds, resolve fraud-related issues, or make required payments.

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 2026-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
HELOC satisfied in 2022 Property sold and lien released

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I am disputing inaccurate credit reporting related to my federal student loans serviced by Aidvantage/Department of Education . 
My credit reports show multiple months coded as 90180 days late while the same accounts are simultaneously marked as Payment Deferred and Current. During the reported periods, my loans were in authorized deferment or administrative forbearance, and no payment was due. 

Additionally, the delinquency information is inconsistent across XXXX, XXXX, and XXXX, indicating the data is not accurate or verifiable. 

Reporting late payments when no payment was due violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

I am requesting that all inaccurate late payment notations be removed and that my student loan accounts be updated to reflect a current status for all applicable months across all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC reported two derogatory accounts for similar amounts and same dates. I have never received validation of these debts and this company continues to report and maintain it as two accounts on my report despite my continued request and disputes. They continue to report the accounts as collection accounts monthly and derogatory, harming my credit score. Violations and legal Basis : 1. FDCPA 809 ( b ) : Failure to provide written debt validation after dispute. 2. FDCPA 807 Misrepresentation of the legal status of the debt. 3. FCRA 623 ( a ) Furnishing disputed or unverified information to consumer reporting agencies. 4. FCRA 611 Failure to correct or delete inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
This is my second attempt at my bank following federal law and protecting my account and allowing full access. The issue has bloomed into several fraudulent transactions on my account due to my bank not doing their job and protecting my account and allowing me full access as their policies state they do.

I now have missing funds and the bank refuses to dispute them which violates the EFTA and Tennessee Consumer Protection Act. The only response I am getting is wait 3-5 business days for a dispute form in your email. It has been almost 7.

They have a 2.9 rating on XXXX XXXX  and tens of thousands of complaints with the CFPB, XXXX, AG from different states including TN, and multiple review websites. I am tired of the excuses and stalling. They failed to protect my account and now they want to stall. They are the ONLY bank that does not file disputes right then and there and this needs to change immediately.

They are renown for these issues and yet the government still contracts with them. This needs to stop. I want my refund and I want it NOW!!!!!!

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
CBE GROUP is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I used my XXXX XXXX debit card at a PNC Bank ( XXXX XXXX XXXX ). The ATM opened the draw for me withdraw my cash but there was no cash. Eventually the ATM timed out and the display said sorry you didn't get your cash in time. But it debited my XXXX XXXX account for the {$100.00} plus {$3.00}. When I called PNC I was told they wouldn't help me. So, I filed a transaction dispute with XXXX XXXX and am now being told the resolution/credit could take up to 90 days. I can live without the money, but what if this happened to someone who couldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: NJ

Complaint narrative:
Synchrony and XXXX have taken my available credit away on all my accounts. I have been current and never defaulted. Now that put me in a bad situation to make me look like my usage is high and brings down my credit score. Not right and they have some nerve with their interest rates. They have set me up for failure and I'm sure I'm not the only one.

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/year>, I was approached in person by an individual soliciting a donation to a charity. I explicitly agreed to donate {$20.00} only. I briefly handed over my Discover card to process that donation. The individual then asked to see my phone under the pretense of completing the {$20.00} transaction. Unbeknownst to me, the individual processed a charge of approximately {$3000.00} and accepted the transaction confirmation on my phone without my informed knowledge or consent. At no point did I authorize, intend, or approve a charge of this amount. This transaction constitutes fraud by deception, not an authorized purchase. Consent obtained through deception and misuse of my phone does not represent valid authorization. I reported this issue to Discover on the same day I became aware of the fraudulent charge. However, I received a letter around XX/XX/XXXX from Discover saying this is not fraud based on their definition, refusing to reverse this fraudulent charge. Despite having a {$0.00} fraud liability policy, Discover refused to protect its customer against fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harley Davidson Financial Services Inc
State: IA

Complaint narrative:
Got charged Double the value of my motorcycle thru local dealer and outrageous interest rate because management and salesman took advantage of costumers not doing there own research before buying!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime denied my fraud claim stating XXXX payments are non-refundable. I was the victim of a scam involving intentional deception and misrepresentation. I reported the fraud immediately and provided evidence. I am requesting Chime conduct a proper fraud investigation and reconsider reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I have called my bank over 4 times in regards to getting a replacement card. All 4 times I was promised and garunteed my card was in the mail. I called again today XX/XX/scrub>XXXX XXXX XXXX XXXX and spoke to a lady who advised me my card was never sent. It wasnt even in the system as sent. She advised me it clearly shows in her system that the card was never sent because of low funds. This was maliciously and vindictivly done by disgruntled employees becuase of some negative interactions with them. I lost my temper when an employee was mocking me on the phone and purposely being sarcastic and nasty. He refused any and all of my request and made it abundantly clear he didnt care. Iv asked them to pull the previous conversation to confirm what im saying and I was told I had to do a leagl request to pull those calls. I HAD TO .. not the bank. Thays insanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My bank showed that i had {$1700.00} in checking. I made purchases totaling roughly {$900.00} and one of the companies charged me 4 for {$280.00} each time, but had 3 refunds to back it up. Before the refunds hit I was close to going negative on the account so I put some money into it. When the refunds process nothing was credited to my account and I emailed the company to verify that it was correct on their end. When checking transaction history I see no sign of the {$1700.00} or the 4 charges.

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 2026-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
After several attempts with Bank of America, they sent me to several different lines etc. No one seems able to help me get the required documentation to them. Wait times of over an hour and an unwillingness to call back

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: TX

Complaint narrative:
I have a bank account with Cash App, and on XX/XX/year>, my husband sent me {$760.00} from his Cash App account. Our accounts were then suspended because of a word he used in the transaction description. Later, I received an email stating that there had been an error, that I had not committed any wrongdoing, and that I could continue using my account. My husband 's account has already been unlocked, but I still can't access my money ; it's stuck in Cash App. I have a total of {$1300.00} in the account, and all I ask when I contact customer service is that I want my money back. I no longer want the account ; I just want to withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
refund was sent to XXXX XXXX form way last year from XX/XX/XXXX of XXXX  and refunded him XXXX after the fact that he had sent me payments after XX/XX/XXXX of XXXX  but all out of no where they give him a refund so my account is negitive now transaction ID XXXX on XX/XX/XXXX after he sent me {$20.00}. He also sent me another XXXX and also sent me another XXXX so I dont know why they refunded him {$20.00} out of my account so Im XXXX and Im filing a complaint about that because thats not right he sent me XXXX and then he turns around and sends me another XXXX and XXXX but then he waits some months and wants a refund of {$20.00} after the fact that he sent me money twice after that just so he could get money back out of the deal which I dont think is right at all so Im getting cheated out and PayPal wont do nothing about it. They wont fix the problem and make my account so its not in negative and Im not paying them XXXXand then they said I cant cancel my card since I have a negative balance which isnt right either because its not my fault.

I just dont understand why they would refund him {$20.00} after the fact that he still paid me XXXX and another XXXX when he paid me after he paid me the XXXX he just wanted to get a refund of {$20.00} so he could have money and get money back from me so he did that and made my account negative now and Im not gon na pay it because I just got cheated out of money actually to make my account negative so they get paid for it. Im not doing that. Thats totally unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
XXXX XXXX XXXX being abused by fraudulent charges called for over a year and documented all calls. told they are investigating will be 90 days. and things are always up in the air. I gave them all the information to make this right, but they did not do their jobs instead i falls through the cracks and they find it easier to just charge an XXXX for items I obviously did not buy fraud items gift cards cosmetics and nonsense. 
This is causing XXXX  and XXXX  and financial XXXX to me for items I have not purchased or received. I had similar problem with other creditors, and we resolved the problem quickly. This nightmare has gone on since XX/XX/year>.

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