vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have lots of data that I have provided multiple times to the merchant and the credit card company. In brief I was quoted a removal service to move XXXX from an address in XXXX  to an address in XXXX. The quantity of material that was moved was less than XXXX but once the removal company had my goods loaded on the truck they stated that my goods were XXXX. My goods were then out of my possession and I had to pay an additional {$3100.00} immediately or my goods would be taken. I paid that amount with my american express card who have successfully recovered this for me. They would not unload at the new address until I paid them an additional {$2000.00} in cash. 
My initial deposit for the move was {$630.00} which is the amount I am attempting to get back via the XXXX citi card. The amount I paid in cash is gone unless I personally pursue through the courts as the merchant will not respond to calls, texts or emails. 
My original quote for the move was for {$2300.00} to move XXXX. They actually moved less than XXXX ( evidence provided to Citi and the Merchant ) yet they stated that they moved XXXX and charged me {$5800.00}. I provided evidence that the truck used could not carry what they were suggesting, provided photographic evidence, and provided the details of the unit that the material was held in showing that the merchants claim was bogus. 
Citi are stating that they will not fight the dispute for me because " because you received the services for which you contracted '. This is the latest reason, previously they have advised not enough information/evidence was provided, the submission had gone past the time they could collect, and I had not contacted the merchant. My claim was submitted as soon as my goods were received, I have provided lots of evidence of my attempts to contact the merchant and responded to every response from Citi. Previously on every contact with Citi have verbally advised that my dispute was legitimate and the issue was that VISA were looking for more detail. I can provide you with all of the history and data if needed

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 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: MO

Complaint narrative:
I have been paying on this loan since XXXX @ a 26.95 % interest rate. I started the loan off paying 3 car notes a month for the first 90 days. The last three months I have been paying more than what was owed, and XXXX XXXX is still sending collections calls to my phone and emails stating I have delinquent payment status. When I called the company on XX/XX/XXXX, I was told that the extra monies paid in XXXX, XXXX, XXXX and XXXX were applied to months where I allegedly missed a payment. This action subsequently caused the accrual of late fees and the vehicle being repossessed. When the representative identified the error on the call stating that I was charged late fees for not paying in XXXX and XXXX although we had a 60-day deferment agreement following repossession in XXXX. Then the extra money paid in XXXX and XXXX were applied to XXXX and XXXX and was reported to credit bureau as late/missed payments. Global lending has yet to contact me in regard to this error to nor have they offered me for a lower interest rate stating payment history is the rationale they can not lower interest. And the payoff amount keeps going up. The vehicle has a trade in value of {$10000.00} and they are expecting {$60000.00} from me in principal and interest payments. And that number does not include their miscellaneous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XXXX I had my XXXX XXXX XXXXXXXX check direct deposited into my Cash App account. On XXXX XXXX, I checked my balance and it said, {$540.00}, I calculated all of my trans actions from XXXX until XXXX XXXX and it came out to {$660.00}, and that included pending transactions. I contacted the company and asked to receive another statement because this one Im looking at is off by {$130.00}. They kept putting me on hold about 6 times. They finally concluded that they do not have any knowledge of a transaction for {$130.00}. I had to repeat myself over 7 times to get them to understand what I was saying. It was as if they knew what I was talking about but just giving me a hard time messing with my head trying to act like they dont know why the money is missing but they know XXXX well why the money is missing, they are trying to rip me off, they thought I wouldn't notice it, but I did, I check my statement for that exact reason. They said sorry we cant help you and hung up, mind you this was after I was put on hold multiple times and was hung up on 2 times. They are trying to steal my money and act like they didnt. I want my money. This is only the second month I've been doing business with this company and already I am having problems. Something inside of me told me dont go thru thst company I should of listened to myself. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I am filing my first CFPB complaint regarding Wells Fargos handling of fraud disputes involving gift card transactions resulting from a coercive third-party scam.

The transactions were made under social-engineering fraud, and the gift-card codes were immediately compromised. I did not receive, retain, or benefit from any goods or services, and control of funds was lost immediately. 

Despite timely notification and submission of fraud documentation, Wells Fargo denied or failed to properly resolve the disputes, effectively treating the matter as authorized or as a merchant issue rather than fraud. 

Gift card fraud of this nature is not a merchant dispute. The merchants were not the beneficiaries of the fraud. Wells Fargos handling reflects improper dispute classification and failure to apply appropriate fraud protections.

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 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
Edfinancial Services is reporting inaccurate and misleading information on my credit report. 

At the time the reported delinquencies occurred, I was eligible for and submitted documentation for financial hardship relief, including deferment/forbearance based on XXXX eligibility. These late payments should not have been reported, or the account should have been properly adjusted to reflect the approved relief period. 

Despite this, Edfinancial continues to report derogatory payment history, which is inaccurate and harmful. I am requesting that Edfinancial either : 1 ) Correct the account to show no late payments during the applicable hardship period, or 2 ) Remove the negative credit reporting entirely. 

Please provide documentation showing how these delinquencies were verified, including payment history and proof that deferment or forbearance was not applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a Navy Federal Credit Union Visa credit card. In XX/XX/year>, I discovered two charges made to the credit card that were fraudulent. I contacted NFCU and alerted them to the fraudulent charges. That credit card number was deactivated and a new credit card was issued. However, NFCU subsequently reposted the fraudulent charges to my account and refuses to remove them, citing unspecified " discrepancies '' in the fraud claim. 
Please see attached letter for the full history behind this matter. I have attempted many times to informally resolve the matter with NFCU, but they refuse to remove the fraudulent charges from my account. For this reason, and because they refuse to provide any supporting evidence behind the alleged " discrepancies '', I believe NFCU is acting in bad faith and, likely, is not complying with federal law. I would like for the CFPB to look into this matter and issue inquires, as appropriate, to NFCU. I have also contacted NCUA and Visa Inc. 

Note that due to the upload size limitations, I am sending the package in three file sets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
Acct. # XXXX...... Acct. opened XXXX Acct. closed XX/XX/year> does not give amount owed. Hancock Whitney Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Beginning on XX/XX/scrub>XXXX XXXX XXXX  and through XX/XX/year> a hacker accessed our three checking accounts and took funds via XXXX, ostensibly sending the money to people we have actually paid via XXXX in the past ( but not for over a year ). We have no idea how the hacker rerouted the funds to his/her own account. We have not shared our online banking userID or password. The total they took was over {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This is the 2nd month that we are being run around by Chase. A transaction was made unauthorized & Chase closed the claim stating that it was authorized. Then we were told to contact the recipient of the XXXX transaction to initiate a return of the funds. I contacted the recipient who put me on a 3 way call with his bank ( XXXX XXXX ). The money was taken from the recipient account and XXXX XXXX  stated that they are waiting for Chase to initiate the dispute since this didnt happen on their end. XXXX XXXX  stated that they are holding the funds waiting for Chase since XXXX. I called Chase today XX/XX/year> & was told there is nothing they can do to help since the claim is closed. So what happens now? The money is left with XXXX XXXX and Chase does nothing to help their customers? Also the agent I spoke to hung up the phone when she put me on hold and never called back. So disheartening that we did all the leg work and the only thing thats left for Chase to do is initiate the dispute so XXXX XXXX can release the funds they are holding and they are refusing to help. Not only refusing to help but hanging up the phone on their customer and never returning a call. So unprofessional. Not only will I make a video about this situation on social media but I will encourage all our friends and family to stop banking with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Between XXXX and XX/XX/2025, I was charged a total of {$12000.00} on my Synchrony Bank credit card for a done-for-you XXXX and automation system that was represented as a white-glove service to be built and implemented within approximately XXXX months. 

Despite full payment, no functional or usable system was ever delivered. Months later, the merchant admitted that the system setup was not included and that I would need to hire outside help. As a result, I was required to retain a third-party vendor to build the system from the ground up. 

In XX/XX/2025, after obtaining expert review confirming non-delivery, I submitted a chargeback dispute with Synchrony Bank and provided extensive documentation, including the contract, email correspondence, and third-party analysis. The dispute was denied twice on the stated basis that no documentation was provided, despite documentation being submitted each time. 

I was also repeatedly informed that the only protection available was for fraud or unauthorized charges, even though my dispute was based on non-delivery of services, misrepresentation, and failure of consideration under the Fair Credit Billing Act. The dispute was later misclassified as a billing error and denied again, including on the basis that the merchant did not respond. 

I am requesting CFPB assistance to ensure proper investigation and application of consumer protection laws, including Regulation Z.

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 2026-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I was checking my credit report and noticed something like Radius Global Solutions never heard of that later learned it's XXXX XXXX XXXX have never had so I send ID and letters stating this is not mine and it's still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> the amount of {$58000.00} was fraudulently removed from our US Bank business checking account under the name of XXXX. Prior to that on XX/XX/year> XXXX cent was taken out of the account and put back in. The only information US Bank can give me is that the money went thru someone named XXXX XXXX with a XXXX  account and they could give me a Trace XXXX  of XXXX. 

I have done everthing I can to try and get our money back but US Bank refuses to help us. I have filed a police report with our local police and they say they can not help us either. I have done my own research and the company that took our money is : XXXX XXXX based in XXXX XXXX XXXX XXXX XXXX XXXX I believe the owner is : XXXX XXXX. It's also strange that XXXX XXXX say they supply staff for XXXX XXXX XXXX XXXX XXXXn light of what has been going on in XXXX

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 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I was charged a doewn payment without an Adverse action letter. I am being charged monthly for warranties that have expired and I can no longer use

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received an alert on my mobile phone and via email from XXXX on XX/XX/year> that a charge had just been made over the limit I set for alerts in the amount of {$910.00} to a PayPal XXXX identified as XXXX XXXX with PayPal XXXX ID of XXXX. 

I made NO SUCH purchase, so I immediately looked at XXXX and PayPal to gain more information. Within minutes a total of XXXX ( XXXX ) messages appeared indicating that this purchase had been sent to various locations around the country and included USPS delivery links. Those links were for dates PRIOR to the transaction. As this was clearly a fraudulent action, I immediately contacted XXXX via chat to report. 

Moments later, that transaction was subsequently revised by the seller to reflect a new total price of {$980.00}. 

Please refer to attached documents for a detailed explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX dollars but in bitcoin XXXX They didnt do anything really to help the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Capital One Auto Finances handling of my auto loan while I am experiencing a documented financial hardship. I am currently more than 90 days past due and have made multiple attempts to set future payments and request hardship assistance to avoid vehicle repossession. 

Despite repeated outreach- with most current outreach on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Capital One has not provided a documented payment plan, hardship forbearance, or reasonable alternative to avoid repossession. All options have been auto generated and representatives are not able to assist in setting a hardship review or payment plan to align with my next pay schedule. I attempted to schedule future payments in good faith and asked for temporary assistance, but my requests were either denied or no other options have been offered. 

I am concerned that Capital One may proceed with repossession without providing a meaningful opportunity to resolve the delinquency, despite my ongoing efforts to communicate and my intent to bring the account current. Repossession would cause severe hardship for my household, including transportation needs related to work, medical care for my ill 18 month old son with medical needs, and family obligations. 

I am requesting CFPB assistance to ensure Capital One fairly reviews my hardship, pauses any pending repossession activity during review, and provides a clear, documented resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am filing this complaint against [ XXXX XXXX XXXX XXXX XXXX ] for continuing to report an account that has already been determined to be unverifiable and deleted by XXXX, another major consumer reporting agency. 

The account in question is a charged-off auto loan from XXXX XXXX with a reported balance of {$5500.00}. I previously disputed this account with XXXX, and after completing its investigation, XXXX permanently removed this account from my credit file on XX/XX/year> due to the creditors inability to verify the debt. 

Despite XXXX determination, [ XXXX XXXX XXXX XXXX XXXX ] continues to report this same account on my credit report. This creates an inconsistency among consumer reporting agencies and clearly demonstrates that the information is not fully verifiable, as required under federal law. 

Under the Fair Credit Repo rting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) requires consumer reporting agencies to delete information that can not be verified. Section 623 ( 15 U.S.C. 1681s-2 ) require s furnishers to report complete and accurate information.

Section 607 ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

Once XXXX removed this account, it became legally improper for other credit bureaus to continue reporting it without independent, documented verification. Continued reporting of this account is damaging my credit profile and violates my rights under the FCRA. 

I am requesting that the CFPB require [ XXXX XXXX XXXX XXXX XXXX ] to immediately delete this unverifiable XXXX XXXX account from my credit report and provide written confirmation of the correction.

Company response to consumer: Closed with non-monetary relief