vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding SoFi Bank 's refusal to honor a {$400.00} direct deposit bonus that two SoFi support agents confirmed in writing I was eligible to receive, and which SoFi has now acknowledged was confirmed based on " wrong information '' without offering any remedy. XXXX XXXX XX/XX/XXXX, I opened a new SoFi checking account. On XX/XX/XXXX, before setting up direct deposit, I contacted SoFi via in-app chat to confirm my eligibility for the {$400.00} bonus. I specifically disclosed that I had previously held a SoFi account in XXXX where I direct deposited but did not even meet the lowest bonus tier, received no bonus, and later closed that account. The agent confirmed in writing that my new account was eligible for the {$400.00} bonus, that closing my previous account did not disqualify me, and that the promotion applies to new and existing members who have never set up direct deposit with SoFi before, provided no prior bonus was awarded and the profile is in good standing. A second SoFi agent later confirmed the same eligibility in writing. I have full screenshots of both conversations. Relying on these written confirmations, I set up direct deposit into my new SoFi account and accumulated over {$5000.00} in qualifying ACH payroll deposits within the 25-day evaluation window from my first direct deposit into the new account. On XX/XX/XXXX, I was informed the bonus would not be credited because SoFi 's system was treating an XX/XX/XXXX deposit from my previously closed account as the " first direct deposit, '' meaning the 25-day window had already lapsed. I escalated to a supervisor ( XXXX ), who explicitly stated in writing that " a previous agent provided you with the wrong information '' but refused to credit the bonus. SoFi has therefore acknowledged its own misrepresentation while refusing to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I am filing a complaint against PNC Bank for denying me access to both my personal and business accounts, which has caused immediate and ongoing financial harm. PNC has restricted my accounts and is requiring me to complete identity verification in person at a physical branch. However, PNC does not have a branch in my state, making their requirement impossible to fulfill. Despite explaining this multiple times, PNC has refused to provide any reasonable alternative verification method ( such as video verification, notarized documents, or secure online identity confirmation ). As a result, I have been completely locked out of my funds. This has directly impacted my ability to operate my business, including being unable to deploy my team for work, resulting in lost income and operational disruption. PNCs actions constitute an unreasonable denial of access to my own funds and a failure to provide a feasible resolution path. I am requesting immediate restoration of account access or the provision of a reasonable remote verification method. If this matter is not resolved promptly, I will pursue further legal action for damages caused by this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I received a credit card from Barclays and XXXX XXXX. I DID NOT request a card from this company. When I received the card I DID NOT activate the card, I cut it up and threw it in the trash. Then I started getting reports from my credit monitoring program that I had a 30 day late on my report from Barclays. I contacted Barclays to report fraud and they did an investigation and said it was not fraud, but they could not prove I submitted anything requesting a card. I asked that they close my account and they finally did after I contacted them twice. Although they closed the account they say I still owe $ XXXX {$90.00} for a credit card fee. They keep reporting it to the credit bureau as a 30, 60 and now a 90 day late. Again they can not prove I signed up for the card but continue to report even after the account is closed. This is not fair to the consumer!! I also NEVER received any type of statement from this company to inform me I owed the fee.

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 2026-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MS

Complaint narrative:
On XX/XX/year>, my Chime checking and savings accounts were accessed without my authorization while I was asleep. My accounts were hacked, and a total of {$2500.00} was taken. The unauthorized activity occurred as follows : {$1100.00} was transferred out of my Chime XXXX XXXX/Checking account {$1200.00} was transferred out of my Chime Savings account The stolen funds were then transferred to XXXX, an email I do not recognize and have never authorized transactions to. I immediately contacted law enforcement. A police report was filed under Report # XXXX. On XX/XX/year>, all information and screenshots of the unauthorized transactions were provided to XXXX XXXX XXXX. XXXX XXXX has informed me that he has attempted to reach out to Chime and issue a subpoena for information related to the fraud. However, he has been unable to get any response or cooperation from Chime. I also contacted Chime directly to report the fraud. Despite the clear evidence of unauthorized access and an active police investigation, Chime closed my case the same day, stating their investigation was complete. I am requesting that this matter be fully reviewed, that Chime be required to cooperate with law enforcement, and that my stolen funds be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX / Equifax / XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such conduct is unlawful and has already resulted in significant liability for the credit bureaus. Accounts Still Inaccurate : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I used PayPal to pay {$2.00} to download a crochet pattern. The seller then charged me {$1900.00} AUD as somehow the payment had gone through as a subscription. When I contacted PayPal to dispute the charge ( which was already pending in my bank account ), they said that I had agreed to the subscription and that they would review the information. I received several emails from PayPal ( which I have kept ) - XXXX set that said the charge WAS an authorized charge and that I would not receive a refund - XXXX set said that it was NOT authorized and that I would get a refund. When I reported the charge to PayPal, my account was locked and I was unable to access the account as it was asking that I verify using answers to secret questions which it was not accepting. I called PayPal again this morning and the representative was able to send a link so that I could access my account. He put me on hold and came back on saying he could not see where I had been sent any emails about the case review or any refund. He also said that when I paid the {$2.00} I had agreed to a subscription ( its in the small print apparently ) but the fact is that this was a SINGLE download only. Not a subscription to anything. The email I received from the seller said nothing about a subscription and the download link was inactive so I never received anything from the seller for my money! The PayPal representative refused to listen to me and accept what I was saying and eventually hung up on me without resolving the issue. They have accepted XXXX responsibility for this. This current behavior by PayPal and the set up for subscriptions is nothing like it used to be. Before you had to accept any subscription and the seller had to make it very clear what you were agreeing too - apparently now sellers have the ability to charge you at any time because of tiny small print statements -PayPal handled issues far more professionally in the past. Very disappointed in their actions, support and will no longer use them for anything, or advise clients to use PayPal as a payment processor! I have cancelled ALL options on my PayPal account, and have added my cashapp card/bank which can not go into the red. At the moment I now have to wait for the pending charges to drop off on my bank account so that I can get my account out of the red! Loading emails from PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
My ex-wife fraudulently opened an account without my knowledge with Alliant Credit Union back in XX/XX/XXXX. I did not discover it until XX/XX/XXXX and subsequently the account was closed in XX/XX/XXXX with a balance of {$17000.00}. Alliant Credit Union refused to remove the account from my credit report because of fraud so I decided to just ride it out and suffer the consequences of my ex-wife 's actions since I have not been able to get a loan, apply for anything or even get approved for an apartment because of this. However, despite being closed and charged off, Alliant Credit Union continues to actively report every month to make sure they inflict maximum lasting damage to my credit report. In XX/XX/XXXX, I disputed to XXXX XXXX XXXX XXXX to remove this account from my credit report. XXXX XXXX XXXX removed it immediately. XXXX initially did not and said that Alliant Credit Union confirmed the information provided was accurate ( even though it was not ). Eventually XXXX removed it. However, Alliant Credit Union continues to report this account to XXXX which has reappeared twice now despite XXXX removing it previously. Additionally, the account also no longer contains no information about previous charge off XXXX which would indicate that this account should no longer remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding my recent interaction with your company, MCA Management. On XX/XX/2026 I made a payment in the amount of {$570.00} toward my account. After the payment was processed, I requested a receipt and confirmation of the transaction for my records. However, your representative refused to provide me with a receipt. In addition, the representative was extremely unprofessional, spoke to me in a rude manner, and ultimately hung up the call without resolving my request. This behavior is unacceptable. As a consumer, I have the right to documentation of any payment made, as well as to be treated with professionalism and respect. Refusing to provide proof of payment raises serious concerns about your business practices and recordkeeping. I am requesting the following : 1. A written receipt and confirmation of my payment, including the date, amount, and updated account balance 2. The name or ID of the representative I spoke with ( XXXX ) 3. Confirmation that my account has been properly credited for this payment and deleted of my credit report If I do not receive a response within 10 days, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney Generals Office. Please treat this matter with urgency and respond promptly. Sincerely, XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I had an account with Square. They deactivated my account and issued a refund via Gift Card took the money out of my checking account that I did not authorize and deactivated my account and the gift card is

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: HI

Complaint narrative:
Affirm is holding me responsible for a loan tied to a merchant that failed to fulfill an order. I placed an order on or around XX/XX/year>. After more than XXXX weeks with no shipment or updates, I contacted the merchant on XX/XX/XXXXand requested cancellation. The merchant acknowledged delays and confirmed the order had not yet shipped. I reiterated my cancellation request, but the merchant stopped responding and never fulfilled or canceled the order. No tracking information has ever been provided, and I have not received any items. I filed a dispute with Affirm and provided documentation of my cancellation attempts. Despite this, Affirm denied my dispute without providing any proof that the merchant fulfilled the order or that the item was delivered. I am being held financially responsible for goods that were never shipped or delivered. The account is now marked overdue, which may negatively impact my credit. I am requesting that this charge be reversed and that any negative reporting related to this account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Subject : Auto Loan Dispute Incorrect Balance, Interest Calculation, and Contract Timeline Discrepancy ( Ally Financial ) I am filing a formal complaint regarding my auto loan serviced by Ally Financial due to suspected errors in account balance calculation and unclear application of contract terms. Timeline of Events : I was involved in a car accident on XX/XX/XXXX I purchased the vehicle and drove it off the dealership lot on XX/XX/XXXX I signed the retail installment sales contract dated XX/XX/XXXX, which includes finance charges and an arbitration provision The loan was later funded/activated by Ally Financial around XX/XX/XXXX Issue : My current loan balance does not clearly reconcile with my signed contract terms and the known timeline of events. Specifically : It is unclear when interest began accruing ( XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX ) There is no clear explanation reconciling the balance with my contract dated XX/XX/XXXX I have not received a detailed amortization breakdown showing how payments, interest, and fees were applied The timeline between vehicle purchase, contract execution, and loan funding raises concerns about correct calculation of charges Request : I am requesting the following documentation and review : Official loan funding/activation date Full payment history and transaction ledger Complete amortization schedule from funding to present Copy of all signed agreements and dealer assignment documents Step-by-step calculation of how the current balance was determined Correction of any errors found in interest, fees, or principal balance Additional Request : I request that all collection activity and any adverse credit reporting related to this account be paused while this complaint is under investigation.

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 2026-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
Robinhood was hacked and I got a suspicious email. I changed my password but contacted support to let them know. I specifically said I didn't not want my account frozen and would sooner liquidate and move everything. They froze it and won't tell me when they'll unfreeze it. I can no longer take my money out and I can't contact support through the app. I called support and was hung up on by a very unhelpful man who spoke little XXXX and wouldn't answer any of my questions. I want access to my money immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
We keep getting letters From Rocket Mortgage who just took over for our pervious lender XXXX Rocket Mortgage is claiming that we had a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX. This is an error, we have never has a lapse in coverage, we were covered by XXXX during that time and are now covered by XXXX XXXX. We, as well as our insurance agent XXXX XXXX have made numerous attempt to communicate with Rocket mortgage only to be placed on eternal hold. The insurance department does not offer customer service assistance and the automated service does not address our issue. The letters threaten to charge us {$2600.00} We do not know what to do at this point.

Company response to consumer: Closed with explanation