vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 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: PA

Complaint narrative:
I am submitting a complaint regarding ongoing issues with PNC Bank involving unauthorized transactions, improper debit card deactivation, and unresolved system failures. This matter is a continuation of a prior complaint I submitted to the Consumer Financial Protection Bureau concerning recurring charges from an online service ( XXXX ) that persisted after cancellation and after the associated debit card had been replaced. In that case, PNC issued a partial refund but denied the remaining charges and declined to provide a clear written explanation of its application of Regulation E. Since that review, the issue has not been resolved. On XX/XX/year>, PNCs Loss Prevention unit contacted us regarding new suspicious activity from the same merchant ( XXXX ) on the same debit card previously reported. At that time, the card had been locked, allowed to expire, and had not been activated after replacement. Despite these safeguards, the merchant was still able to initiate a transaction attempt. This demonstrates that the underlying problem described in the prior complaint remains unresolved and continues to expose us to unauthorized transaction attempts. Additionally, PNC has demonstrated ongoing data-handling issues, including fraud alerts being sent to a third party ( my mother ) after her contact information had been removed from the account. PNC has had multiple opportunities to address this issue through customer service, branch escalation, executive-level review, and the prior CFPB complaint, but has failed to correct the underlying problem. Supporting documentation is available and can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
I received a erroneous credit entry to file from a debt collection agency i never hear of that obtained this creditvcharge off from a 3rd party i knew nothing about. The credit account was charged off and closed by the bank who initially had it it. Whom I di not know anything about nor did I ever had a credit card from them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — Store credit 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: TN

Complaint narrative:
As you will see on the attachments SYNCRony Bank answered my complaint XXXX but if I had any additional questions to call them at this number - my additional question is MY CURRENT DISPUTE ON FILE WITH XXXX WAS ANSWERED TELLING ME TO CONTACT THE STORE BUT THE STORE IS CLOSED FOR BUSINESS - SO I CALLED SYNCRONY BACK TO LET THEM KNOW- WHICH THEY SHOULD'VE ALREADY KNEW IT WAS CLOSED I NEED MY {$1000.00} REFUNDED BECAUSE THIS STORE IS NO LONGER IN BUSINESS AND THEY NEVER SHOULD'VE TOLD ME TO DO SOMETHING THAT WAS NOT AVAILABLE Thank you for the opportunity to respond to your concerns raised through the CFPB. If you have additional questions regarding this matter, contact me at XXXX XXXX XXXX XXXXXXXX, extension XXXX. I welcome the opportunity to assist you. Respectfully, XXXX XXXX XXXX Senior Specialist Corporate Consumer Relations Synchrony Attn : IID XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Planet Home Lending regarding inaccurate and unfair credit reporting. During the federal government shutdown, my income was directly impacted, creating a temporary financial hardship. During this time, I qualified for relief and reasonably believed that my mortgage account would be handled with appropriate accommodations, including protection from negative credit reporting. Despite this, my account was reported as late. This reporting does not accurately reflect the circumstances and is misleading given the XXXX XXXX XXXX. As a direct result, my credit has been negatively impacted and I have been unable to refinance my home, causing ongoing financial harm. I attempted to resolve this directly with the lender, but they refused to make corrections. Under the Fair Credit Reporting Act, all furnished information must be accurate and fair. Reporting late payments under these circumstances does not meet that standard. I am requesting : Removal or correction of the late payment reporting Notification to all credit bureaus of the correction Written confirmation once resolved This matter is time-sensitive due to the financial impact. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am disputing a Buy Now Pay Later loan with Affirm related to a purchase from XXXX. The merchants return policy requires contacting them to obtain a return address and instructions. I have made multiple attempts to contact the merchant by email and have received no response. Because the merchant has failed to provide a return address or any return instructions, it is impossible for me to complete a return. Despite this, Affirm is attempting to collect on the loan and has indicated potential credit reporting. This is a billing dispute caused by the merchants failure to comply with their own stated return policy. I am requesting that Affirm pause all collection activity and credit reporting while this matter is investigated, and that this loan be reviewed due to the merchants non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I am a victim of identity theft. I recently reviewed my credit report and discovered an account that I do not recognize and did not authorize. The fraudulent account is listed as Sunrise Credit Services XXXX, with the original creditor being XXXX, in the amount of {$590.00}. This account was opened and placed into collections without my knowledge or consent. I have never opened an account with this company, nor have I authorized anyone else to do so on my behalf. I did not receive any goods or services related to this account. I believe my personal information was used without my permission to open this account fraudulently. As soon as I became aware of this issue, I took steps to dispute the account with the credit bureaus. I am requesting that this fraudulent account be investigated and removed from my credit file, and that appropriate steps be taken to prevent further misuse of my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
Company : Surge Mastercard ( Continental Finance / Celtic Bank ) Product : Credit card Issue Type : Fees/ Billing dispute + customer service issues What happened? I am filing a complaint regarding unexpected annual and monthly maintenance fees charged to my Surge Mastercard ( ending in XXXX ), as well as repeated poor customer service and failure to properly assist me. I was charged an annual fee of approximately {$100.00} and monthly maintenance fees of {$12.00} that I was not clearly informed about and do not recall knowingly agreeing to with proper disclosure. I also did not receive clear or conspicuous advance notice that these fees would be applied. What is the problem? I attempted multiple times to resolve this issue : I called after hours last week and was told nothing could be done and my account could not be canceled. I made three calls in one day : First call : waited about XXXX minutes and the representative hung up on me. Second call : I requested a supervisor. I was told none were available on Sunday and was pressured to explain my issue before being offered a callback queue. I explained I work third shift and can not use daytime callbacks. Third call : I finally spoke with a supervisor who said nothing could be done because I was four days past the annual fee renewal date. I explained I had already attempted to resolve the issue earlier and was never properly notified of the fees or when they would begin. I was told I should have been notified when I signed up, but I do not recall receiving clear disclosure or agreeing in a way that made me aware of these charges. What I want the company to do Reverse the annual fee charged Refund all monthly maintenance fees ( $ XXXX charges ) Provide written proof of when and how I was notified of these fees Review the customer service interactions on my account ( including hang-up and refusal to escalate ) Provide proper escalation access that accommodates my work schedule Additional information I work XXXX XXXX which limits my ability to contact customer service during normal business hours. Callback-only support is not reasonable for my situation. I feel the billing practices and customer service experience were misleading and unfair. I also feel I was not treated respectfully during multiple attempts to resolve the issue and experienced repeated hang-ups and lack of escalation support. Account details Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone : XXXX Card : Surge Mastercard ending 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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am submitting this complaint regarding Bank of America 's refusal to conduct a substantive, good-faith review of XXXX isolated XXXX late marks on my credit card account ( XX/XX/XXXX and XX/XX/XXXX ). I am requesting goodwill adjustment or removal of both entries. I am a long-tenured Bank of America customer with an otherwise clean credit history. Prior to these XXXX entries, my credit score was in the high XXXX. It has since dropped to XXXX a decline that is materially affecting my life. I do not dispute that the payments posted late within the bank 's system. I am raising concern that continued reporting of these XXXX isolated events, without a reasonable contextual review, does not reflect my overall credit behavior and is producing disproportionate harm. The XX/XX/XXXX late was a one-time oversight on my part. The XX/XX/XXXX late occurred after the account had been paid to a XXXX balance, when a residual recurring subscription charge posted unexpectedly. In both cases, I paid the balance in full immediately upon discovery. These are the only derogatory marks on my credit report. I have made multiple good-faith attempts to resolve this directly with Bank of America : customer service contact, XXXX written goodwill adjustment requests, escalation to the executive office, and a direct conversation with an assigned representative from XXXX XXXX XXXX XXXX XXXX XXXX Each response has cited reporting accuracy and FCRA obligations. No contextual or relationship-based review has been conducted. The downstream impact has been significant. I have been denied multiple personal loan and debt consolidation applications. As a single parent with substantial financial obligations, the loss of credit access is creating real strain. I am also building a new business and anticipate these marks will impair my ability to obtain XXXX or other XXXX XXXX, compounding the harm. I am asking the CFPB to require Bank of America to conduct a substantive, good-faith review of these XXXX entries that weighs my full account history, the immediate cure of both balances, and the isolated nature of the events rather than a rote accuracy check and to adjust or remove the entries accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I do not have XXXX of this account this is not mine this is false informations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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:
On XX/XX/XXXX, I purchased a XXXX XXXX receiver for {$480.00}. The unit failed XXXX days after delivery and was sent for warranty repair on XX/XX/XXXX ( XXXX XXXX : XXXX ). On XX/XX/XXXX, the merchant 's agent provided a written XXXX resolution commitment. That deadline expired XX/XX/XXXX with no resolution. The unrepaired unit was returned on XX/XX/XXXX after the merchant 's own stated deadline. I opened a billing dispute with Citibank on XX/XX/XXXX ( Case ID : XXXX ). On XX/XX/XXXX, I formally rejected the unit as non-conforming goods under Florida Statute 672.602 and notified the merchant in writing. The unit remains sealed and unopened. Citibank denied my dispute on XX/XX/XXXX stating only that " the merchant provided evidence that merchandise was delivered. '' Delivery was never disputed. My dispute reason was " Damaged items '' a defective goods claim under the Fair Credit Billing Act, 15 U.S.C. 1666. Citibank applied the wrong legal standard. Additionally, I submitted a full rebuttal with XXXX exhibits to Citibank on XX/XX/XXXX. Citibank 's own portal confirmed receipt. The denial was issued XXXX days later with no reference to my documentation. The merchant 's chargeback response claimed I " refused to open the box. '' This mischaracterizes my legal conduct once I formally rejected the goods under FL 672.602, opening the box would have waived my statutory right of rejection. Active government complaints : Florida FDACS XXXX XXXX and Florida AG referral . Remedy requested : full refund of {$480.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX claims crypto sales are instant in there agreement and after selling the crypto I had I said I have to wait five days. This was never mentioned.if that was the case I would of never done it. No one makes you wait a week. Crypto sales are instant in every market. It's been four days and still stuck in pending with no option to cancel and no help from support. This is the worst business experience ever. I'm going through financial XXXX hardship and I need my money to get gas to get to the hospital for my XXXX XXXX. But no this is truly the worst way to do people. It's garbage that they do this to people. When they already got paid for selling it but I have to wait and I pay fees. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
I entered into a formal debt management agreement with XXXX XXXX XXXX XXXX on XX/XX/XXXX, to repay a balance of {$5400.00} owed to XXXX XXXX. Under this agreement, monthly payments of {$310.00} began on XX/XX/XXXX. I made consistent payments totaling approximately {$5300.00} toward this debt. In XX/XX/XXXX, XXXX XXXX terminated the agreement due to two missed payments that occurred during a period of job loss. However, I was never notifiedeither by mail, email, or any other form of communicationthat the agreement had been terminated or that my account was considered in default. I only became aware of this issue in XX/XX/XXXX when I contacted XXXX XXXX XXXX XXXX to request my final payoff amount. At that time, I was informed that my balance had increased to over {$4000.00}, despite having nearly paid off the original balance and expecting a remaining balance of less than {$200.00}. I have made multiple requests to XXXX XXXX for documentation, including account statements, payment history, and notice of termination, but they have failed to provide any records. I believe this conduct is deceptive and predatory. XXXX XXXX accepted substantial payments toward the debt, failed to provide required disclosures or notice of termination, and is now attempting to collect an inflated balance without proper documentation or justification. XXXX XXXX is now attempting to pursue collections on this disputed and undocumented balance, which I believe constitutes unfair and deceptive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I am a verified identity-theft victim. My Target credit card account, issued by TD Bank USA, N.A. through Target XXXX XXXX, has been frozen or restricted. The restriction was imposed in connection with fraudulent activity that occurred on other accounts held at separate financial institutions ; those compromised accounts were subsequently closed by their respective issuers. I have filed a formal Identity Theft Report with the Federal Trade Commission and have provided Target XXXX XXXX with all required fraud-victim documentation, including the FTC report XXXX a sworn identity-theft affidavit, and supporting correspondence. The frozen account is actively used for recurring medical-care expenses for both myself and my adult daughter, who resides in Washington, D.C. and relies on this card for medical payments. The account restriction has directly disrupted access to necessary medical care for both of us. This constitutes concrete, ongoing consumer harm that compounds with each day the restriction remains in place. Target XXXX XXXX and TD Bank USA, N.A. may be in violation of multiple federal consumer-protection statutes. Under FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), I submitted a valid identity-theft report, and the furnisher is obligated to cease reporting and must not restrict the account based on fraud-related information subject to blocking. Under FACTA Section 154 ( 15 U.S.C. Section 1681s-2 ( a ) ( 1 ) ( F ) ), a furnisher is prohibited from re-reporting or acting on information it has been notified resulted from identity theft. Under the Fair Credit Billing Act ( 15 U.S.C. Section 1666 ), if the freeze relates to a disputed billing matter, the creditor may not restrict or close the account during the investigation period. Under FCRA Section 623 ( 15 U.S.C. Section 1681s-2 ( b ) ), the furnisher has a duty to investigate upon notice from a consumer reporting agency and to correct or delete inaccurate information. I attempted to resolve this matter directly with Target XXXX XXXX through multiple phone calls and written correspondence, including certified mail with return receipt. Target refused to reinstate the account and refused to provide a substantive written explanation for the continued restriction. I documented each interaction, including representative names, dates of contact, and reference numbers associated with each call and letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/year>, I had a hotel reservation at the XXXX XXXX XXXX. Around XXXX XXXX, I received an alert from my credit card company regarding a charge for {$2200.00} and it being marked as potential fraud. I responded by text and email to XXXX that this was indeed a fraudulent charge. Once I received the alert, I went to the hotel. Upon arrival, the manager on duty explained it was an error and that she had come into work to deal with this error. She stated the transaction had been cancelled and as I had confirmed the alert as fraud with my credit card company, I did not verify the charge had been reversed. When I went to pay my credit card, I noticed I had the actual room charge on my credit card ( {$220.00} ) as well as the charge of {$2200.00}. I contacted XXXX on XX/XX/year>. On XX/XX/year>, I received an email stating they were refunding the amount of {$220000.00} On XX/XX/year>, I reached out to see when the refund would be processed as the refund hadn't been processed. On XX/XX/year>, XXXX responded to allow XXXX business days. After XXXX business days, when I still hadn't received the refund, I contacted my credit card and disputed the charge. XXXX refunded this charge, along with interest. On XX/XX/year>, I received notice from XXXX that the hotel stated I did owe this money ( despite providing the email that said the money should be refunded ) and I was charged again for the {$2200.00}. This amount was charged to me before I ever physically checked into the hotel, so it is not for any damages. I also looked at the rooms available in the hotel and they do not have any rooms that would cost over {$2000.00} for one night. The main issues with XXXX are as follows : 1 ) I marked this charge as fraud and was still charged. 2 ) I provided the email from the company that this charge was supposed to be refunded. It doesn't surprise me that the hotel that overcharged me originally would say I owe the money but the corporate office emailed it was supposed to be refunded. 3 ) I provided the room charge for the amount I should have been charged with and a quick search showed me that this hotel doesn't have any rooms that would cost this much for a one-night stay. XXXX could clearly see that I had been charged twice by this hotel and the larger amount looks like an error in typing in the actual charge for the room.

Company response to consumer: Closed with explanation