vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am submitting this statement regarding my credit card account and improper addition of retroactive interest charges.In XXXX I used this credit card to pay for a necessary home air conditioning repair and was placed on promotional financing plan. Since that time I have made consistent payments of {$300.00} a month from bank account in good faith. I recently contacted them to check my balance since I have never received a statement or email from them. I was informed that my balance remained at {$11000.00} due to retroactive interest being added after the promotional period expired. I was never notified promotional period had ended or that interest was going to be added back. The company has stated that info was sent to incorrect email and I did not receive these emails or given a fair opportunity to take action to avoid these charges. Additionally, I did not receive consistent statements alerting me of this upcoming change. Had I been properly notified I would of taken steps to pay down my balance. This represents a failure to provide proper notice and clear disclosure as required under the Truth in Lending Act. I am requesting immediate resolution and removal of all retroactive interest charges.

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 monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint because I have discovered extensive unauthorized activity on my account spanning the last XXXX years. This discovery was made following a returned check, which prompted a full internal audit of my financial records. My audit revealed numerous unauthorized charges made via telephone using my debit card information. XXXX recurring merchant of concern is XXXX XXXX. I do not own a XXXX XXXX credit card, nor have I ever authorized or made payments to this institution. I have contacted XXXX XXXX multiple times to dispute these charges and have explicitly requested a copy of the original signed application or digital equivalent to prove the existence of a legitimate account in my name. To date, the company has failed to provide this documentation. Furthermore, my own technical investigation confirms that these telephone transactions were initiated from a device with an XXXX number that does not match any device I have ever owned or operated. These transactions are fraudulent, and I am requesting a full investigation and reversal of all unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection account listed as FCO XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under XXXX U.S.C. XXXX ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under XXXX U.S.C. XXXX ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am writing to Cash App class action lawsuit and my experience as a user of Cash App card. During the time i used the service i encountered with my card that required assistance. Unfortunately, I found it very difficult to reach a representative who could properly address or resolve my concerns. There were limited options for direct support, and my attempts to get help were either delayed ot unsuccessful. This lack of accessible customer service made it challenging to resolve problems related to my account and card in a timely manner. As a customer, i relied on the platform to manage my financial transactions, and the inability to receive adequate support caused frustration and inconvenience. I believe that user should have reasonable access to customer service representatives, especially when dealing with financial matter. I am submitting this letters part of my participation in this lawsuit to document my experience and the difficulties i faced in obtaining assistance. Thank o for your time and consideration. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have requested a replacement for my lost credit card more than 5 times. I have spoken with managers multiple times, and they kept promising that the card was being sent, but I still haven't received it. My parents are departing XXXX for XXXX XXXX this coming Friday so it is extremely urgent that the card arrives at my XXXX address before then. I have requested Priority Overnight shipping, but the bank has failed to provide a tracking number or any proof of shipment. I am filing this complaint

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America approved my dispute from XXXX XXXX on XX/XX/year> and confirmed a refund would be issued after account closure on XX/XX/year>. Afterward, they reversed the decision on XX/XX/year> without justification and are now refusing to pay.

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 2026-04-14 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: TX

Complaint narrative:
I am filing a complaint regarding Citibanks handling of a billing dispute for a {$2400.00} credit card charge that involved fraud and services not rendered. On or about XXXX XXXX, 2025, my Citi credit card was charged {$2400.00} by a merchant identifying as Rich Travels/ Richflights. The merchant falsely represented themselves as an airline booking agent affiliated with XXXX XXXX. Based on that misrepresentation, I authorized the charge, believing an airline ticket would be issued. No airline ticket was ever issued. XXXX XXXX XXXX later confirmed there was only a reservation in my name, not a paid or ticketed flight. When I arrived at the airport on XXXX XXXX, 2025, XXXX confirmed no valid ticket existed, and I was forced to purchase a new ticket out of pocket in order to travel. The merchant failed to provide the service that was charged. This transaction therefore, qualifies as both services not rendered and fraud based on misrepresentation and impersonation. I timely disputed the charge with Citibank and provided extensive documentation, including confirmation from XXXX XXXX that no ticket was issued, correspondence from the merchant, and proof of my replacement airfare purchase. Despite this evidence, Citibank closed the dispute and marked the case as permanently closed. The dispute was not resolved in accordance with card network rules governing fraud and services not rendered, and I was left financially responsible for a charge tied to a service that was never delivered. I am requesting that Citibank reopen this case as a fraud and services-not-rendered dispute and issue a permanent credit for the {$2400.00} transaction.

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 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy and completeness of the account reported by TRANSWORLD SYSTEMS INC. This account has been previously disputed and returned as verified, yet no competent evidence has been provided to support such verification. Pursuant to FCRA XXXX ( a ), I am requesting a reinvestigation and full method of verification. Please provide the specific procedures used to verify this account, including the identity of the party contacted, the date of verification, and the documentation reviewed. Additionally, under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), furnishers are prohibited from reporting information that is inaccurate or can not be substantiated. As such, I request the following : Complete chain of assignment from the original creditor to TRANSWORLD SYSTEMS INC The flow agreement and any contracts evidencing transfer of ownership or servicing rights Documentation proving legal authority to collect, including whether this account was sold, assigned, or securitized Full accounting records ( double-entry ledger ) supporting the balance claimed All XXXX/XXXX XXXX data furnished XXXX the credit bureaus during verification Original contract bearing my signature establishing liability To date, none of the above has been provided. A mere electronic verification does not satisfy the requirements of a reasonable investigation under the FCRA. Failure to provide this documentation constitutes reporting of unverifiable information. Under FCRA XXXX ( a ) ( XXXX ), any information that can not be verified must be deleted. If this account continues to be reported without proper substantiation, I will consider this a willful violation of the FCRA and pursue all available remedies. I request deletion of this account from my credit file if you are unable to fully comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLC. On or about XX/XX/year>, I was contacted regarding an alleged debt in the amount of {$1500.00}. I timely disputed this debt and requested full validation under the Fair Debt Collection Practices Act. I specifically requested a copy of the original signed agreement, a complete account and payment history, and documentation showing the chain of ownership proving LVNV Funding LLC has the legal right to collect this debt. LVNV Funding LLC responded with only limited or summary information and did not provide sufficient documentation to properly verify the debt. The response did not include adequate proof of the original agreement, full account history, or complete ownership records. Despite my dispute and request for validation, the company has continued to report and/or attempt to collect this debt without providing proper verification. I am requesting that LVNV Funding LLC either provide full and proper validation of this debt or cease collection activity and remove any related reporting from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/XXXX I reported chime for not issuing my funds. They responded to the claim and sent out a check to my old address. I still had access to this address and received the check, but they cancelled the check ( not per my request ) to send to my current address. The cancelled the check on XX/XX/XXXX and said it will take a few days to cancel then another few days too reissue and XXXX business days too ship out the check. Here it is XX/XX/year> and i STILL have not received a new check. They havent even issued the check its going on another 2 months. Collectively Ive been waiting 4 months for my own funds. And this is getting out of hand! I have proof of the check and the letter stating they will reissue too address. And proof the issue and cancellation of the check as well!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I ordered a Teller Check on XX/XX/XXXX. USAA told me it would take 2 business days including the day ordered which would have been XX/XX/XXXX to mail out. As of XX/XX/XXXX - I called 5 times and was told 5 different things from 5 different agents. 1 - Told me check had processed yet. 2. Told me it was shipped and my tracking number was in my online documents- this was lie. 3. Told me if they reissue check ( stopped rep right there and hung up ) as she was clueless. 4. Provided me a tracking number of another members check being sent to XXXX, I am in XXXX. 5. Resolution department- did nothing. USAA misrepresents their process and their agents lie about mispresent material facts. How can they keep getting away with being managed this poorly. I would like someone from the bank to call me and explain how a simple process of getting a teller check became this much of a mess.

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 monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank has made over XXXX calls in span of 8 days in order to attempt to collect a debit. This is harassment and violates Regulations for Debit Collection. XXXX/2026 - XXXX Calls XXXX calls XXXX - XXXX AM, XXXX, XXXX PM, XXXX PM, XXXX PM and XXXX PM. 1 call from Unknown - XXXX AM, XXXX, XX/XX/year> - XXXX Calls XXXX - XXXX AM and XXXX AM XX/XX/year> - XXXX Calls XXXX call from XXXX - XXXX PM, XXXX calls from Unknown # - XXXX AM, XXXX AM, XXXX AM, XXXX PM, XXXX PM, XXXX PM XX/XX/year> - XXXX Calls XXXX calls from XXXX - XXXX AM, XXXX AM, XXXX PM, XXXX PM, XXXX PM, XXXX PM XXXX call from XXXX - XXXX AM XXXX call from Unknown - XXXX PM XX/XX/year> - XXXX Calls XXXX calls from XXXX - XXXX AM, XXXX AM XXXX calls from Unknown # - XXXX AM, XXXX AM, XXXX PM, XXXX PM, XXXX PM. XXXX total voicemails

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: KY

Complaint narrative:
I am filing a complaint regarding inaccurate and improper debt collection and credit reporting. I previously disputed this alleged debt in writing with Credit Control , LLC and requested proper validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). The company failed to provide adequate validation, as they did not supply any signed agreement, complete account history, or proof of their legal authority to collect this debt. Despite my written dispute and request that all collection activity cease until proper validation was provided, the company continued collection efforts in violation of the FDCPA. Additionally, this account has now been reported to my credit file through TransUnion, and it is not being reported as disputed, despite my prior written dispute. This is inaccurate and misleading reporting and a violation of the Fair Credit Reporting Act ( FCRA ). Furthermore, the account is now being reported and/or pursued by a different company, which raises serious concerns about the accuracy of the debt and whether the reporting entity has any legal authority to collect or report this account. This debt is not accurately reported, and I dispute its validity and ownership. The reporting company is not the correct collector, and no proper validation has been provided. I am requesting the following : Immediate deletion of this account from my credit report Cessation of all collection activity Proper investigation into the inaccurate reporting and handling of this account I have retained copies of all correspondence and am prepared to escalate this matter further if necessary. I first disputed this alleged debt on XXXX XXXX, 2026, and requested proper validation. All correspondence was sent via certified mail with confirmed delivery and signature, establishing proof that my dispute was received.

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 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Driveway Finance Corporation
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate late payment reporting on my auto loan due to significant servicing errors and conflicting instructions following my bankruptcy and reaffirmation. After my XXXX XXXX bankruptcy, I reaffirmed my auto loan in XXXX. However, the account was not properly re-established for normal servicing and payment. I did not have consistent access to my account or a clear, reliable method to make payments during this time. On XX/XX/XXXX, I contacted Driveway Finance, the listed servicer, to make my regular payment. During that call, I was directed to XXXX XXXX XXXX ( the new servicer, per a representative over the phone ) for the first time. I immediately contacted XXXX XXXX XXXX the same day and was informed that my loan had not yet been fully processed and that it would not affect my credit. I was informed to keep calling each week to attempt to make a payment. At this point, I was given conflicting and unclear instructions between two entities associated with the same account. I followed the directions provided by the servicer and acted in good faith to resolve my payment. Despite this, my account was later reported as delinquent. This is not accurate. The lender failed to provide a clear and consistent payment channel, and their own representatives acknowledged that the account was not fully processed at the time I attempted to make payment. Additionally, Driveway Finance continued to maintain account access and accept payments while XXXX XXXX XXXX was simultaneously involved, creating overlapping and confusing servicing responsibilities. The account was not functionally established for normal payment until late XXXX, when the servicing and access issues were finally resolved. Reporting a late payment during a period when the account was not properly set up for payment is inaccurate and does not reflect the actual circumstances. Please review the recorded phone call from XX/XX/XXXX and the full servicing and account access history. I am requesting correction or removal of the inaccurate late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to close my business bank account for several days. When I call Wells Fargo, they never answer! I wrote to them through XXXX XXXX and they said I could mail in a form. Great! But the last page of the form requires a notary - that's at least {$50.00} I have to pay and I will not pay to close my own bank account. Today I decided to call right when they open, XXXX- they still don't answer. I just transferred all the money out of the account but I know they will start charging fees and put it into negative which is UNFAIR. Just close my account!

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 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As per 15usc 1611 Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
The company removes it off my credit for months then a put it back. The Collectin was sold to a diffident company and then they popped back up under a different name on my credit it is illegal to charge off and sale credit and still reported on someone one credit ass a collection if another company brought it out.

Company response to consumer: Closed with explanation