vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 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: IN

Complaint narrative:
I used a mobile digital wallet to withdraw funds from my balance. On or around XX/XX/year>, one or more withdrawals were marked as completed and instant transfer fees were charged. However, the funds were never received by me. 

I contacted the company multiple times via chat and phone. During one call, a representative stated that the missing funds would be replaced. That did not occur. This issue involves more than one transaction, and additional funds from a separate transaction are also missing. 

Before the failed withdrawals were corrected, my account was closed. The company has refused to explain the reason for closure and has stated that it can not provide details. Support chats were closed and I was issued a final response without proof that the funds were delivered or returned. 

Despite repeated attempts, I have not received the funds or a clear explanation of where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I closed two of my Destiny credit card accounts last year. One was back around XX/XX/XXXX. One of the calls the worker asked me for my entire SS #, instead of my last 4. I wasn't thinking and gave him my entire SS #. XX/XX/XXXX, I noticed that my credit report had address changes 3x since XX/XX/XXXX, and saw the associated credit card the changes were linked to, and called them. I spoke to a woman who confirmed that my address had been changed with them recently and she changed my address back. She could not give me the deals. I called the other number that was associated to the address change and spoke to a gentleman who told me I would have to get an attorney and send them a letter requesting the voice recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
TRUIST BANK ( XXXX The account listed under Auto Loan, Opened on XX/XX/XXXX, is being reported inaccurately. The account was an individual auto loan with an original balance of {$21000.00} and 72 month terms. The account was paid in full and closed with no late payments at any time. 

The account status was last updated in XX/XX/XXXX, with the final payment made on XX/XX/XXXX. The account should reflect " paid '' closed/Never Late with XXXX balance. 

I am requesting that this account be corrected to accurately reflect its paid and close status or otherwise resolved in accordance with the Fair Credit Reporting Act,

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 2026-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Shea Mortgage Inc.
State: AZ

Complaint narrative:
Two large concerns : 1 ) Loan officer did not provide loan disclosures within 3 days of loan application. Buyer had to reach out to ask for them. 
2 ) After signing initial loan estimate buyer received a new XXXX. When asked what the new disclosures were for the loan officer stated that the lender changed their underwriting, processing and doc prep fees under bucket A. When pushed back on the changes with the loan officer the lender stated it's a change of circumstances and that they do it to everyone everytime it happens ( claimed for years they've done this ) and they personally get it okayed with legal and that the CFPB approved it. Buyer asked to see the documentation on this.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XXXX XXXX, I contacted NFCU to Voluntarily Surrender the collateral : a XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Refusal of Solution : I explicitly offered to pilot the vessel to a marina of NFCU 's choice. NFCU declined. 
Gross Negligence : Despite being informed of 'Yard Assist ' capabilities, NFCU dispatched a standard automotive trailer, physically impossible for a yacht this size. 
Abandonment : Following this failure, I requested extensions due to financial extremity during COVID. NFCU was aware of the situation yet refused to secure the asset. 
Reason for Delay : The delay in seeking this remedy is due to the homelessness caused by NFCU 's constructive eviction ( cutting power ), which left me without phone/internet access for a significant duration. Additionally, I mistakenly believed this was a XXXX XXXX issue and was unable to secure counsel, not realizing the root issue was Lender Negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( mo ) 281 SW 715, 719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
Credence Resource Management XX/XX/year> {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Good morning, On XX/XX/year>, I received an alert that there was a change on my credit. My reports shows a company called Credit Systems Intl In added a negative balance of {$1900.00} to my credit on XX/XX/year> and states it is a medical bill from over 2 years ago. I have not received any written statements from this company regarding this balance/how to dispute which is a UDAAP and FDCPA violation. I have private insurance and to my knowledge they have paid the bills I have accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and unauthorized information being furnished on my consumer credit reports, specifically by XXXX 

FAIR COLLECTIONS & O is reporting a collection account in the amount of {$3100.00} on my XXXX credit report only. This account is not reported on my XXXX credit report, demonstrating inconsistent and inaccurate furnishing of information. FAIR COLLECTIONS & O has failed to provide proper validation or evidence of a permissible purpose as required under 15 U.S.C. 1681b. No contract, agreement, or documentation bearing my signature has been produced despite disputes. 

Additionally, a hard inquiry by XXXX dated XX/XX/year> appears only on my XXXX  credit report and does not appear on my XXXX report. I did not authorize or apply for credit with XXXX. The presence of this inquiry on one bureau but not the others further demonstrates a lack of permissible purpose and improper access to my consumer report in violation of 15 U.S.C. 1681b ( a ).

Furnishers are required under the Fair Credit Reporting Act, including 1681s-2, to report information accurately and consistently. Selective or inconsistent reporting to consumer reporting agencies constitutes inaccurate reporting and causes measurable harm.

I am demanding the immediate deletion of : The FAIR COLLECTIONS & O collection account from TransUnion, and The unauthorized XXXX hard inquiry from XXXX An investigation is not sufficient where no permissible purpose exists. Continued reporting of these items constitutes willful noncompliance. I am requesting written confirmation of deletion and cessation of all reporting activity.

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 2026-01-25 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: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
I am filing a complaint regarding Currents handling of unauthorized debit card transactions and its failure to conduct meaningful dispute investigations. 
I disputed multiple unauthorized transactions involving different merchants, including a charge from XXXX XXXX XXXX in West Virginia and a separate XXXX transaction. I do not live in West Virginia, was not present there, and have no relationship with that merchant. These transactions were not authorized by me and were not card-present. 
Current denied each dispute using identical template language stating no error found, without addressing merchant differences, geographic inconsistencies, transaction type, or authorization method. This indicates that the disputes were not independently reviewed. 
When I requested appeals, Current stated that appeals would only be considered if I provided police reports, XXXX records, or XXXX documentation. These requirements are unreasonable and inconsistent with protections for unauthorized electronic transactions. 
Current has refused to provide documentation showing how authorization was determined or what policy provisions were relied upon to deny these disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: SC

Complaint narrative:
I have an accurate payment counts through this loan provider. Loans were taken out starting in XXXX fall semester for XXXX XXXX through XXXX. My payment account is constantly changed. Everything keeps getting switched without my notice and information about the loan amounts. Do not seem accurate. My personal information has been taken through doge without permission and released organizations and now Im getting a ton of spam calls about nonpayment with loans, even though thats not true I make my payments every single month. My payments are also fluctuating from {$200.00} to XXXX XXXX dollars to XXXX $ a month every single time I login even though Im on an income driven payment plan numbers will be washed out completely and then you logon the following month and you have more loans added to my total payments remaining.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: MN

Complaint narrative:
On XX/XX/year>, I contacted Upgrade, Inc. regarding my personal installment loan account. The call began at XXXX XXXX. During this call, the Upgrade representative explicitly stated that I can not close this account because it is now a debt collection account, which is demonstrably false. This statement constitutes a misrepresentation of consumer rights, a deceptive trade practice, and is a clear violation of applicable federal law. Consumers have an unequivocal right to request closure of a credit account at any time, irrespective of the outstanding balance. 

This misrepresentation is particularly egregious because it directly impacts credit reporting. Any continued reporting of late payments, inflated balances, or mischaracterization of the accounts status after closure would constitute a violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ), which mandates that creditors report only accurate and complete information, and the Fair Debt Collection Practices Act ( FDCPA 807 ), which prohibits false or misleading representations in connection with the collection of any debt.

I have included an attachment as evidence : a screenshot documenting my phone call to Upgrade , Inc., which corroborates the timeline, substance, and content of my request and the representatives misrepresentation.

I am requesting that Upgrade , Inc. : 1. Immediately allow closure of the account.

2. Correct and update all credit reporting to accurately reflect account status and payment history. 
XXXX. Provide written confirmation of account closure and reporting corrections. 

Should Upgrade, Inc. dispute the veracity of this complaint, I formally request that the company produce the complete audio recording of the referenced phone call to substantiate their position. Absent such evidence, any contrary statements by Upgrade , Inc. would themselves constitute further misrepresentation and actionable non-compliance with federal consumer protection statutes. 

Formal Declaration / Signature Section XXXX, XXXX XXXX, hereby declare under penalty of perjury that the foregoing statements are true and correct to the best of my knowledge, information, and belief. I submit this complaint personally, without the involvement of any attorney, agent, or other third-party representative, and affirm that all information provided is accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
They said there is nothing they can do. I called them and they wont help in any way. I am filing a complaint regarding my XXXX XXXX / Synchrony Home credit account and a deferred interest charge of {$1300.00} that was assessed after my promotional financing ended. I opened the account in XX/XX/XXXX for a flooring project, and the work began in XX/XX/XXXX. I believed the promotional payoff timeline aligned with the start of the project and would be due around XX/XX/XXXX, but I later learned the promotion ended in late XX/XX/XXXX, and because a balance remained, deferred interest was charged. I had AutoPay set up for over a year, and I knew monthly payments were being made consistently. My XX/XX/XXXX statement showed a balance of {$850.00}, reflected a payment of {$370.00}, and included a notice stating XXXX XXXX XXXX XXXX expiring shortly. However, I did not realize that this deferred interest had accrued until I reviewed my last 90 days of statements and saw the interest charge of over {$1300.00}. In hindsight, this was an unintentional oversight in not making a larger payoff payment sooner that would have made a significant dent in the remaining promotional balance, especially since I knew the promotion was nearing its end. Once I realized the timing issue and the interest charge, I immediately acted in good faith and submitted an additional payment of {$1100.00} on XX/XX/XXXX, believing I was paying off the remaining balance. I understand deferred interest terms may be disclosed, but I am requesting an exception review and asking Synchrony to reverse the {$1300.00} charge or provide a one-time goodwill credit ( full or partial ), or alternatively offer a hardship option such as APR reduction or a structured repayment plan to resolve the balance fairly. I am also requesting written confirmation of the promotional terms/dates and how the {$1300.00} amount was calculated.

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 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Debt that does not belong to me was sold to the company in question. Please have debt collector send original itemized list of debt with my signature linking me to the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I disputed a charge for a product that was misrepresented and returned. I provided proof including delivery confirmation and written communication promising a refund. Affirm required documentation uploads, but their website repeatedly rejected files as too large, even after I reduced file size multiple times. Because of this technical failure, Affirm closed the dispute against me and paid the merchant anyway. I had proof but was denied a fair dispute process due to Affirms system errors. 
This happened XX/XX/year> for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX my wife and I went into XXXX XXXX  at XXXX XXXX XXXX, XXXX, NC XXXX. We were greeted by a lady by the name of XXXX, who works in the store. She showed us options and exclaimed that we should buy from them because they charge 0 % interest on their mattresses. After we found a potential fit, the representative told us that she would need to run a " soft '' credit check for a loan pre-approval with 0 % interest. My wife and I made it clear that we are not looking to purchase a mattress at the time and the representative said that she can place the mattress we liked on a " hold '' and emailed to us with a detailed quote. 

A few days later, I got a random call ( which was strange ) from a representative asking me to confirm my address for a mattress delivery ( which I did not order and explained to the caller ). Today, I checked my mail and found an XXXX XXXX XXXX  XXXX  in my mailbox that I did not request, which was ordered without my explicit knowledge or authorization. I checked my email for any communications from XXXX  also checked XXXX XXXX and there was a hard inquiry for Synchrony Bank ( card issuer ) on XX/XX/XXXX. This was after the store representative told me to my face that there would not be a " hard inquiry ''. 

My wife and I have never even heard of an XXXX XXXX Store credit card until it arrived in our mail.

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 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I was purchasing an XXXX from the Apple XXXX and saw an offer for six months interest free with an approved Apple Card on new purchases from the Apple XXXX. I applied and was approved. And trying to process the payment. There was some confusion so XXXX was purchasing an XXXX from the Apple XXXX and saw an offer for six months interest free with an approved Apple Card on new purchases from the Apple Store. I applied and was approved. And trying to process the payment. There was some confusion so I contacted customer service via chat and after being bounced around from person to person told to do this, and that none of which seemed to resolve the situation, I was transferred to a Goldman Sachs Apple credit representative, I believe. I was then informed that my purchase was not eligible because of some fine print which included acronyms that was nowhere visible in the primary Marketing or in the verbiage below the primary marketing ad. I requested an escalation never received a call back. I called again and was told I would receive a call back when I finally received a call from a female representative in mid to late XXXX. I stated Ive been waiting for your call for a long time at which point she promptly hung up on me never to be heard from again. During this period of time, my account was reported 30 days late to all three credit bureaus. I disputed and the derogatory information remains and was deemed accurate when speaking to several of the representatives during the chat, I mentioned how shocking it was that they would do the same exact thing that they had already been investigated for by the CFPB and were heavily fined. I have all the initial text messages, but I can not seem to download them into a document that I can easily upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Company : Bank of America Product : Credit card Claim number : XXXX Disputed charge : {$570.00} ( FLYWIRE * PINPOINTTRAVEL ) I am filing this complaint because Bank of America improperly denied my credit-card dispute despite receiving supporting documentation. 

Bank XXXX XXXX denial letter dated XX/XX/XXXX states that they could not confirm cancellation with the merchant and could not confirm that services received differed from what was purchased. This is incorrect. I previously provided documentation showing : Proof of payment through my travel agent Written explanation of the dispute Details of the merchants failure to provide the contracted services My dispute timeline Bank of America also claims they werent able to reach me, despite having my correct mailing address and contact information on file and having already corresponded with me in writing. This is obviously a lie. No one from Bank of America has ever attempted to contact me by phone since my first filing of the dispute on XX/XX/XXXX. I reconfirmed with a BOA customer representative on the phone earlier today that my phone numbers on file with BOA are accurate. 

It is clear that Bank of America either failed to review or disregarded the materials I submitted. Their response appears boilerplate and does not address the specific evidence provided. 

This charge relates to travel services that were not delivered as represented. Under the Fair Credit Billing Act, consumers are entitled to a good-faith investigation of billing disputes. That did not occur here. 

I am requesting that Bank of America : XXXX. Reopen and properly investigate this dispute using the documentation already provided. 
XXXX. Provide a written explanation addressing my actual evidence. 
XXXX. Permanently credit the {$570.00} disputed charge. 

Confirm in writing that no negative credit reporting will result from this matter. 

I am attaching Bank XXXX XXXX denial letter and all my supporting documents for CFPB review. 

Thank 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 explanation