vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX requested me to send him {$200.00} in XXXX XXXX after he sent me {$220.00} into my personal XXXX account. Apparently apparently XXXX used someone elses credit card for this transaction. I have text messages to back up my claims and to show I did indeed send out {$200.00} to XXXX XXXX. Around XX/XX/XXXX I was notified by XXXX that the transaction was disputed and they deducted {$220.00} from my balance putting it in the negative on the same day my friend XXXX XXXX sent me {$110.00} via XXXX, which was seized. I am the victim of fraud yet XXXX held me personally responsible instead of deducting that amount from XXXX XXXX account as he is the perpetrator On XX/XX/XXXX, XXXX suspended my business account, which was previously told to me by XXXX staff the accounts were separate. They suspended my account without warning due to the negative balance in my personal account. They claim this is their standard operating procedure, however I successfully utilized that business account for over one year and over two dozen transactions without issue. I am an XXXX recognized individual. This is deliberate and discriminatory behavior on part of XXXX and they have done nothing to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: NY

Complaint narrative:
Dear Sir or Madam, My name is XXXX XXXX, and I am writing to formally lodge a complaint regarding an unresolved payment issue with KeyBank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. On XX/XX/year>, I issued a payment in the amount of {$280.00} through XXXX online bill pay service to XXXX XXXX XXXX for my automobile insurance premium. On XX/XX/year>, I received a cancellation notice from XXXX XXXX XXXX stating that my policy had been terminated due to nonpayment. I promptly visited the XXXX XXXX branch and met with XXXX XXXX and XXXX XXXX, who provided documentation from my account reflecting proof of payment. I forwarded this documentation to XXXX XXXX XXXX ; however, they advised that the payment was never received. I subsequently returned to KeyBank and initiated a dispute with the banks fraud department. Since that time, I have filed three additional disputes, spoken with representatives in the fraud department numerous times, and made several in-person visits to the branch. I also spoke with XXXX XXXX XXXX, who assured me he would address the matter and follow up with me. Unfortunately, I have not received any follow-up communication, nor has the issue been resolved. To date, KeyBank has neither located the missing funds nor provided a clear explanation regarding the status of the payment. Additionally, my repeated attempts to obtain updates have gone unanswered. I respectfully request a prompt investigation into this matter, a written explanation of the findings, and immediate resolution, including recovery of the {$280.00} payment. Thank you for your attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My CareCredit account was closed with a zero balance and a perfect payment history. I received no prior notice of closure and no adverse action notice by email or mail. When I contacted CareCredit, a supervisor stated that an email notification had been sent. I checked all email folders and did not receive any such notice. When I told the supervisor I did not receive the email, she stated she could not resend it electronically and instead requested my mailing address to send the notice by mail. This raises serious concerns about whether the required notice was ever sent and whether proper adverse action disclosure requirements were followed. I requested a reconsideration review and reinstatement of the account, but the supervisor refused and could not provide specific reason codes, bureau, or credit score used in the decision. I am requesting that CareCredit/Synchrony Bank provide documentation showing when and how the closure notice and adverse action notice were sent, the exact reason codes for the closure, the credit bureau and score used, and correct any inaccurate reporting to the credit bureaus. I also request reconsideration of the account closure and reinstatement of my credit line.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2026. Cashapp bounced 5 of my clients deposits. Cashapp claimed that I need to verify my identity. I did, I even should them proof of deposits authorization. Cashapp confirmed with me on XX/XX/2026 that my account is okay to receive Direct Deposits from my clients tax return ( view attachment ). On XX/XX/2026 Cashapp bounced my direct deposits, yet once again. Claiming that one big deposit needed to be made instead of multiple. I have explained to Cashapp that I have 60 incoming, multiple deposits. They agreed that it would be okay. Deposits that I can on longer put a stop on. 60 days agreed upon during XXXX, between my clients and myself. Cashapp continues to bounce my direct deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Chronological Summary Dispute Case XXXX Cardholder : XXXX XXXX XX/XX/year> Purchase : I purchased a XXXX XXXXXXXX from XXXX XXXX for {$52.00} after viewing an online advertisement. The website stated a 30-day return policy. XX/XX/year> Shipment : The product was shipped from XXXX, XXXX ( per merchant documentation ). Upon Receipt Return Request : After receiving the item, I determined it did not meet expectations and contacted the merchant within the return window to request a return. Merchant Response : The merchant provided a return address in XXXX, XXXX, XXXX and stated that return postage would not be covered by them. Return Cost Disclosure : The estimated cost to return the item internationally to XXXX is approximately {$47.00}, while the purchase price was {$52.00}. Financial Disproportion : Requiring international return shipping nearly equal to the full purchase price creates a disproportionate financial burden and makes the advertised 30-day return policy effectively unusable. Refund Offer : The merchant offered only a 20 % refund ( ~ {$10.00} ) as an alternative to returning the product internationally at my expense. Current Merchant Status : As of the date of this submission, the merchants website ( XXXX ) is no longer active and displays This store does not exist on the XXXX platform Request for Reconsideration : Based on the above chronology, I respectfully request reconsideration of this dispute. The return policy as explained required international shipping nearly equal to the purchase amount, creating an unreasonable financial barrier to obtaining a refund within the stated return window.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am submitting this complaint against Navy Federal Credit Union regarding a credit card account that is the result of identity theft, has been inaccurately reported to the credit bureaus, and is currently being collected through internal account offset despite being formally disputed. In XX/XX/year>, I discovered unauthorized charges on my Navy Federal credit card related to a residential transaction in the state of New Jersey, a state in which I have never lived. I immediately notified Navy Federal Credit Union and submitted all required documentation, including a police report and a Federal Trade Commission ( FTC ) Identity Theft Report. Navy Federal initially issued a temporary credit while the investigation was pending. However, the credit was later reversed without a clear written explanation or opportunity for me to respond. The account was subsequently closed on XX/XX/year>. Despite the unresolved identity theft dispute, Navy Federal has continued to report this account to XXXX and XXXX with materially inaccurate information, including : A reported balance of {$14000.00} on a credit limit of {$9000.00} Continued delinquency and late payment reporting after account closure Failure to accurately mark the account as disputed due to identity theft In addition to inaccurate credit reporting, Navy Federal Credit Union is actively withdrawing funds from my Navy Federal checking account through internal right of offset while the debt remains disputed as identity theft. These withdrawals are occurring without resolution of the fraud investigation and while the account is being challenged with the credit bureaus. I believe Navy Federals actions constitute : Furnishing inaccurate and misleading information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Improper handling of an identity theft dispute Unfair collection practices by enforcing internal offsets on a disputed debt I am requesting that the CFPB require Navy Federal Credit Union to : 1. Immediately cease all account offsets related to this disputed debt 2. Correct or delete inaccurate credit reporting furnished to XXXX and XXXX 3. Provide a written explanation of the investigation findings and basis for reversing the provisional credit 4. Resolve this matter in compliance with federal consumer protection laws This situation has caused substantial financial hardship and credit damage. I respectfully request CFPB assistance in ensuring this matter is investigated and resolved appropriately. Thank you for your attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I am submitting this complaint regarding the handling of my federal student loan XXXX XXXX application and the failure to issue a timely decision as required under the XXXX v. XXXX settlement. I submitted my XXXX XXXX application on XX/XX/XXXX, related to my attendance at XXXX University XXXX and another institution listed in my application. My case remains in Application Review status as of XX/XX/XXXX. Under the settlement terms for post-class applicants, the Department of Education was required to issue a decision within 36 months of final approval of the settlement ( XX/XX/XXXX ). That decision deadline passed on XX/XX/XXXX, yet I have received no decision, no update, and no explanation for the delay. My loans remain in XXXX XXXX forbearance, interest continues to accrue, and I am unable to plan financially due to the unresolved status of my claim. I have already contacted the Federal Student Aid Ombudsman seeking clarification and resolution but have not received a satisfactory response. I am requesting the following : Immediate confirmation of the status of my XXXX XXXX application A written explanation for why my case has not been adjudicated within the settlement timeline Prompt issuance of a decision or discharge consistent with settlement enforcement provisions Assurance that interest accrual during this delayed review will not financially harm me if my claim is approved I am requesting that the CFPB review this matter and require the servicer and/or Department of Education to resolve my XXXX XXXX application without further delay.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened an open-end line of credit account with Mobiloans and received principal advances totaling {$3700.00}. Between XX/XX/XXXX and XX/XX/XXXX, I made payments totaling {$6900.00}. Despite paying nearly double the amount borrowed, my account still reflects an outstanding principal balance of {$2200.00}. This is because the majority of my payments were applied to recurring Fixed Finance Charges rather than reducing principal. On XX/XX/XXXX, I formally disputed the allocation of payments and requested that all payments be applied toward principal. Mobiloans responded that under their Terms and Conditions, payments are applied first to finance charges and then to principal, and they refused to reallocate payments or zero out the balance. As a result, I have paid {$3100.00} more than the total principal received and still owe principal. I believe this payment allocation structure creates a cycle in which consumers may pay significantly more than the amount borrowed while balances remain outstanding. I am requesting regulatory review of the recurring fixed finance charge structure and payment allocation practices applied to a XXXX consumer.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-19 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am filing this complaint regarding TD Banks improper denial of unauthorized credit card transactions following XXXX theft incidents. On XX/XX/XXXX, my credit card was stolen while I was traveling XXXX Unauthorized transactions occurred after that theft. I did not authorize those charges. On XX/XX/XXXX, my phone was stolen. During the time my phone was missing, an additional unauthorized transaction occurred. I did not authorize that charge. I later used location tracking to ping my stolen phone and recovered it discarded in a trash can. This confirms the device had been stolen and was out of my possession at the time the unauthorized transaction occurred. TD Bank denied my claim stating that the card was not used after I notified them to close it. This reasoning does not address whether the disputed transactions were authorized. The transactions occurred after my card and phone were stolen and were not approved by me. As this is a credit card account, the matter is governed by the Truth in Lending Act ( Regulation Z ). Under federal law, liability for unauthorized credit card transactions is limited, and the creditor bears the burden of proving authorization. TD Bank has not provided evidence that I authorized these transactions. Instead, the denial appears to rely on activity after account closure, which is unrelated to whether the disputed charges were authorized. I am requesting : A full reinvestigation of the disputed transactions Written documentation of the evidence TD relied upon in denying my claim Confirmation that the investigation complied with the Truth in Lending Act Immediate reimbursement of the unauthorized charges TD Banks denial appears inconsistent with federal consumer protection law. I am requesting prompt corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I am disputing an alleged telecommunications debt being reported and/or collected by this company. The credit reporting agencies stated that the account was verified, however, the company has failed to provide proof that they legally own the debt or have the legal authority to collect it. I requested validation and proof of ownership, including documentation showing the chain of title from the original creditor to the current collector, assignment records, and documentation showing their legal authority to collect this debt. The company has not provided sufficient documentation proving ownership or authority. Verification through the credit reporting agencies does not constitute proof of ownership or legal authority to collect. The company has not provided a copy of any signed agreement with the original creditor, nor documentation showing that the debt was legally transferred or assigned to them. Without proper proof of ownership and assignment, the company does not have the legal authority to collect or report this debt. Reporting and attempting to collect a debt without proper validation and ownership documentation may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that the company provide proper documentation proving ownership and legal authority to collect this debt. If they can not provide proof of ownership, they should immediately cease collection activity and request removal of the account from all credit reporting agencies.

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 2026-02-19 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
I am submitting this complaint because a promised {$100.00} XXXX XXXX promotion from Affirm was not applied to my loan, and Affirms support process has been ineffective and non-transparent. On or about XX/XX/2026, I received an Affirm promotional offer for XXXX XXXX stating, in substance : {$100.00} off $ XXXX at XXXX XXXX. Pay through the Affirm app and your {$100.00} off will be applied to the upcoming payment for your purchase. Ends XX/XX/2026. The offer represented that after I activated the deal and completed a qualifying purchase through the Affirm app, the {$100.00} would be applied automatically to my upcoming payment. I activated the deal as instructed and then completed an XXXX XXXX purchase financed through Affirm. The loan was processed on XX/XX/2026 for {$530.00} and set up for XXXX installments of {$44.00}. Despite meeting the stated threshold ( $ XXXX ) and following the steps described in the promotion, the {$100.00} promotional credit/discount was not applied and is not reflected anywhere in the loan/payment schedule or loan statement. On XX/XX/2026, I contacted Affirm customer support to correct the missing {$100.00} promotional credit. During a single support session lasting over an hour, I was repeatedly transferred and connected to approximately XXXX different agents. Multiple agents stated I was in the wrong department and transferred me again instead of resolving the issue or opening a clear escalation ticket. At least XXXX chat session ended due to a system timeout while I was waiting, forcing me to reconnect and repeat the issue. XXXX agent ultimately stated there was no reward activated for this purchase, even though I activated the deal before completing the XXXX purchase as instructed. This promotion was presented as automatic after activation and purchase. There was no clear confirmation at the time of purchase that the discount was successfully applied ( or a clear notice that it was not ). The only way to discover the issue was to manually inspect the loan/payment schedule after the fact. When I reported it, I was repeatedly transferred without resolution or a clear written explanation. I request that the CFPB require Affirm to ( XXXX ) honor the advertised {$100.00} promotional credit for this qualifying XXXX XXXX purchase and reflect it clearly on my loan/payment schedule, and ( XXXX ) provide a written explanation of what failed ( activation tracking, eligibility rules, system error, or other ) and how consumers are supposed to confirm these automatic promotions are actually applied without having to spend extensive time with support. I have also reported this matter to the XXXX XXXX XXXX XXXX XXXX XXXX, the Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: CA

Complaint narrative:
On XX/XX/year>, I opened a new merchant account with Square to process payments for my business. On XX/XX/year>, I issued an invoice for {$2000.00} to a customer for completed services. The customer paid via credit card through Squares invoice system. Shortly after the transaction, Square deactivated my account without providing a specific reason. They informed me that approximately {$2000.00} in funds would be held until XX/XX/year> ( approximately 90 days ). I have not received any chargebacks, disputes, or fraud claims related to this transaction. The services were completed and delivered in good faith. The customer has not disputed the charge. Square has declined to provide a specific explanation for the account termination, citing internal risk policies and regulatory obligations. They have also closed my complaint internally without offering a meaningful review or opportunity to provide documentation. I am requesting : A clear explanation for the account termination. A review for early release of the held funds. Confirmation of the specific regulatory basis requiring a 90-day hold in this situation. These funds represent legitimate business earnings from completed services.

Company response to consumer: Closed with explanation