vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have been a customer of gm financial for years and had multiple loans with them I bought this current truck a XXXX XXXX XXXX in XX/XX/year> my first payment was due XX/XX/year> at which point I had not been paid from my job due to the XXXX  XXXX  XXXX  I wasnt paid for XXXX or XXXX and Ive still as of writing this not received my back pay since the XXXX XXXX  ended Ive called and called and chatted multiple times asking gm financial since before my first payment was even due for help such a deferrment or some kind of hardship assistance Im still trying to catch up all my bills and struggling to do so I managed to make XXXX payment and Im struggling on the XXXX and XXXX ones and they wont help me at all. If this is how a long time customer is treated I dont believe Ill ever use gm financial again every other bank and auto lender offered assistance during the shut down but not gm fiancial

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I went to chase and used an atm to depoist XXXX dollars the atm took the money but failed to make the depoist into my account and kept the money. I called and was told they would investigate it has been 1 whole day and I haven't recieved the funds in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was overdrawn by approximately {$300.00}, yet TD Bank charged seven overdraft fees on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These fees accumulated to about {$600.00}, compounding the balance rather than being tied to separate overdraft transactions. At least one overdraft fee was charged even after my card transaction was declined, which should not trigger an overdraft fee. I am requesting a full reversal of all overdraft fees due to improper fee assessment and fee stacking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 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:
I am filing an escalated complaint regarding ongoing unauthorized activity involving a fraudulent PayPal Credit Card account opened in my name with Synchrony Bank. Despite multiple prior complaints, Synchrony has failed to secure the fraudulent account, failed to provide required fraudinvestigation documentation, and continues to allow repeated unauthorized digitalwallet provisioning attempts. On XX/XX/year> at XXXX XXXX XXXX I received another XXXX last step to add your card to XXXX XXXX servicing email from Synchrony/PayPal Credit , even though I do not use XXXX XXXX , do not own any XXXX  devices , and have never attempted to add this card to any digital wallet. This email is not marketing ; it is a systemgenerated servicing alert that only occurs when a real provisioning attempt is made. Synchrony has refused to provide device IDs, IP addresses, tokenization logs, or authentication metadata associated with these repeated attempts, despite my explicit requests. These ongoing events demonstrate that the fraudulent account remains active, unsecured, and vulnerable to continued misuse of my identity. I am requesting immediate regulatory intervention to ( 1 ) close the fraudulent account, ( 2 ) cease all unauthorized provisioning attempts, ( 3 ) correct any credit reporting associated with this account, and ( 4 ) compel Synchrony to provide the full fraudinvestigation and digitalwallet provisioning logs required under federal consumerprotection standards.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
I had converted XXXX from my XXXX XXXX XXXX XXXX  to Coinbase. When converting this over to XXXX XXXX I had entered the correct address but imputed an incorrect memo. Coinbase explained to me that this money had been lost in a XXXX  and because in the past they had already credited me an amount for also entering an incorrect address. This was when I had first set up my Coinbase account and being new to the system. Coinbase told me they would not refund me due to already crediting me in the past. Although that was a low amount and this is a substantial amount to my holdings I did a little research and it is up to the companys decision to refund or hold my funds. I had sent a message learning that there is no one time refund in which one of the agents had stated was part of their policy. I learned this was false information and it was up to the companys decision and they could still refund me and charge 10 % to refund me this money. I was okay with that but this was never offered and when I had mentioned it they had still advised I would not be getting refunded. This company will receive a bad review from me and I will no longer tend to use this exchange if they can not give back what is mine due to a mis typo. Please address this to them and I hope you can help me with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
On XX/XX/year>, i attempted to open a savings account with OpenBank ( santander ). I was declined. I called to find out reason for the decline and was told there is no reason. I informed that they have to provide a reason and was told they do not need to provide a reason. I requested a call back from a supervisor and no one returned my call.

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 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX I financed a XXXX XXXX XXXX XXXX Santander Consumer USA after purchasing it from XXXX in XXXX, XXXX. The cash price was about {$17000.00} plus fees and an extended service contract, and the amount financed is about {$20000.00} at 18.97 % APR, with a monthly payment of about {$480.00} and total payments of about {$34000.00}. 

Shortly after purchase, the vehicle developed serious safety-related defects : Unintended acceleration with my foot off the gas Loss of power and hesitation while entering or crossing traffic The charge-air/intake hose repeatedly blowing off the throttle body while driving The vehicles computer has repeatedly stored codes XXXX, XXXX, XXXX, XXXX, and XXXX, indicating turbo/airflow/idle problems. Because of these issues, the car is unsafe and unfit for normal use, and I am afraid to drive it. 

On XX/XX/XXXX, I filed a formal safety complaint with XXXX. On XX/XX/XXXX, I made phone calls to Santander and XXXX and sent a written complaint email to XXXX about the unsafe condition and requested help/buyback. On XX/XX/XXXX, I called Santander again, explained the safety defects, the diagnostic codes, and the complaints I had already filed, and asked them to mark the account in dispute and pause repossession, but I was simply told to contact the manufacturer and was not offered any meaningful resolution. 

I am now about 6075 days past due, partly because of financial hardship and partly because the vehicle is not safe to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used to be an XXXX XXXX  in the US and have now returned to XXXX. I no longer have my original US mobile phone number, so I can not receive the SMS verification code sent to this number. My primary email account is also inaccessible because it is linked to the original US phone number for verification, while my secondary email account can be logged in normally and receive verification codes. As a result, my Chase account is currently locked. I hope to update my account information to regain normal access to the account. I can provide all relevant verification information including my original US residential address, former US mobile phone number, SSN, passport number, debit card number, checking account number, savings account number and driver 's license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: TN

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Auto and Ally financial is probably the worst company I have ever dealt with .. the customer service is absolutely atrocious and extremely predatory .. its like they want you to fail in making a payment or just trying to resolve anything with billing or simple questions.. I have been fighting with them to be able to make a simple payment through the online payment portal and it has not worked at all. Everytime I have called I get different information and Im just constantly transferred.. I simply have no words and I dont understand how this company is legally able to operate today. This company is practicing in fraudulent activity and needs to be shut down immediately.. 

I admit Im late on payments on my account due to financial shortcomings.. but for the past three days I have been trying to make my payments to catch up and for whatever reason I havent been able to do so .. at this point I feel they are trying to not allow me to make payments just to charges off my account and sell the debt.. 

No customer service rep can give any legitimate information to help a customer. Everytime I called I am told something different as far as how many days late I am in my account and why Im not able to make a payment online .. as soon as I use common sense and critical thinking to try and resolve the issue, Im transferred immediately. There is no way this is legal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I In XX/XX/XXXX, I signed a 15-month lease with XXXX. During my tenancy, I experienced uninhabitable conditions, a sudden rent increase, and withdrawal of concessions without notice. I attempted to resolve these issues directly with XXXX, requesting a full itemised breakdown, supporting documentation, contract references, billing statements, and the return of my security deposit. Despite repeated requests from XXXX to XX/XX/XXXX, they failed to provide any of this information or return my deposit. Instead, XXXX and Columbia Debt Recovery reported a {$3200.00} debt to the credit bureaus, which I dispute as invalid and unsupported. Their actions have damaged my credit and match a pattern of complaints from other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime is allowing unauthorized transactions from my checking account in the amount of {$240.00}. 

I have filed multiple disputes with them over this and even asked for proof that it was an authorized charge, I have gotten nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
So my Chime debit card was used at a XXXX XXXX XXXX  ATM on XXXX XXXX in XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and at XXXX XXXX XXXX  so I contacted my debit card on XXXX and file 2 disputes and the case numbers are as followed XXXX for the amount of {$23.00} and XXXX for the amount of {$340.00} so the dispute for the XXXX XXXX one got approved while the one for XXXX got denied when they both was done 3 minutes apart from each other at the same bank, why is that one got approved and the other got denied and the XXXX XXXX  one got approved and that was the second transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: GA

Complaint narrative:
In all attempts to use my prepaid cards, merchants have not accepted the transactions and the rejected attempts do not show anywhere on the portal. 

I have set my address as well as a pin with no change to the processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AR

Complaint narrative:
I have a brand new gift card with {$350.00} on it, and never was able to use it. Ive tried numerous times with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: NV

Complaint narrative:
I am a victim of identity theft. Any account ( s ), credit activity, or tradeline ( s ) reported or furnished by PNC Bank that I did not personally open or authorize are fraudulent and the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Spoke to XXXX at XXXX XXXX on XX/XX/year> at XXXX. I told him that his bank is holding my funds. I cant make any online payments for my XXXX bill. I have also tried purchasing food at XXXX XXXX XXXX XXXX  and they have refused to pay when funds are in my account. They are violating funds availability.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
they commited fraud XX/XX/year> a check in amount XXXX was deposited from unknown location it was not me i dont have that kind money i had XXXX in account they stole it then closed account showed a authorized signiture from unknown person im XXXX on social securty only have access to XXXX when i get my check never XXXX this is fraud this transaction was never 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 explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXXXXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C.

1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 
Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : XXXX. A copy of the original signed contract or agreement bearing my signature ; XXXX. A full chain of title including all assignments and transfers of the alleged debt ; XXXX. A bill of sale or purchase agreement proving legal ownership of the debt ; XXXX. Proof of licensing to collect debt in Alabama XXXX. Surety bond information ( if required by law in your jurisdiction ). 
A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. 
Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f- Unfair practices 15 U.S.C. 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs.

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 
Sincerely, XXXX XXXX XXXX This is what I sent and never received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I requested debt validation from the company. In response, they provided only an internal account ledger. They did not provide a copy of the original contract or agreement, proof that I authorized the account, documentation showing that I am legally responsible for the debt, or proof that they have the authority to collect and report this account. I also disputed this account with the credit bureaus, yet it continues to be reported on all three bureaus despite the lack of proper validation. A ledger alone does not constitute proper debt validation under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # XXXXXXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C.

1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in Alabama 5. Surety bond information ( if required by law in your jurisdiction ).

A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f- Unfair practices 15 U.S.C. 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs.

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 
Sincerely, XXXX XXXX XXXX I sent this and NEVER got a response

Company response to consumer: Closed with explanation