vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
This all occured today XX/XX/year>. I was offered a pre-approved offer on XXXX that redirected me to the Onemainfinancial website which allowed me to input my social security number and verifiy other information including upload my ID. I was then sent a text with a phone number to call to verifiy certain information in order to recieve the loan. The issue I have is that no where in the disclaimers or loan information did it mention that it was a secured loan, niether XXXX or Onemainfinancial advertised this. However before I was aware of this a hard credit check was done on my social security number, and given that I was not given that piece of information to agree to before the credit pull I am very disappointed and I would like that reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
See former complaint. Upon trying to reach anyone related to a upper manager within CashApp I was directed towards fake emails and chats with AI bots.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an email from Truist Bank on XX/XX/XXXX saying to make a deposit in my new account. I thought it was a scam. So I created a XXXX XXXX account the next day and received a report from them saying an account was in fact opened in my name. Today, XX/XX/XXXX I received an overdraft notice of {$5000.00} along with a stop payment check of {$5000.00}. I called the bank and they asked for my social security number, which I would not provide because I didn't want to hand out my social over the phone since this is already identity theft. They instructed me to go to a bank location with everything since I didn't want to provide my social. So I will be going to the nearest location tomorrow with my ID, the overdraft notice and stop payment check notice. I don't know why a bank would have allowed someone to deposit a {$5000.00} check in new account and automatically let them withdraw it right after depositing it and then a stop payment was issued on that check. My mind is boggled. I have been with my current bank, XXXX, for over XXXX  years and when I deposit a check, they put a hold on anything over a certain amount. So why in the world would this bank allow that?!! This seems to be the oldest trick in the book when it comes to scammers. This XXXX you would think this couldn't happen anymore!!

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I had a customer deposit a check for {$3200.00} into my Bank of America business account. On XX/XX/XXXX, the full amount of the check was reflected in the available balance in the mobile app. Relying on these available funds in the ordinary course of business, I sent {$1100.00} via XXXX to what I believed was a legitimate XXXX. 

On XX/XX/year>, the bank determined the check was fraudulent and reversed the full {$3200.00} from the account. I contacted Bank of America the same day to report that I had been the victim of a scam. 

The XXXX transfer was directly induced by the fraudulent check. The loss resulted from reasonable reliance on the available balance displayed by Bank of America. We are requesting that Bank of America reconsider the denial of our claim and provide reimbursement or partial courtesy credit for this scam-induced transfer.

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 2026-02-17 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: GA

Complaint narrative:
My Citi credit card and personal information were compromised through identity theft. I filed an FTC identity theft report and police report. Citi closed my account and reissued my credit card multiple times ( three times ), yet the fraudulent activvity continued. Despite the card replaced, unauthorized charges from Hertz/Thrifty continued to post, which indicates that Citi allowed my compromised card credentials and personal data to remain active through merchant account updater systems, tokenized billing, or stored merchant relationships. Additionally, the fraud went beyond card charges. Using my stolen personal information, a vehicle was rented in my name from Hertz/Thrifty and was never returned. This exposed me to legal liability, financial risk, and potential criminal exposure for a vehicle I never rented. Citi failed to fully secure my account, failed to block merchant access, and failed to prevent ongoing misuse of my financial and identity data even after I formally reported identity theft and fraud. This represents a serious failure in Citi 's fraud controls, customer protection, and compliance with federal consumer protection laws. I am requesting full remediation, removal of all fraudulent charges, correction of any related credit reporting, and compensation for the harm caused by Citi 's failure to protect my account and 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 monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company : Synchrony Bank ) ( CareCredit ) Product : Credit card / medical financing Issue : Deferred interest charged after promotional period, autopay stoppage without notice, and misrepresentation of payment terms I financed my sons dental treatment through CareCredit using a 24-month no interest if paid in full promotion. 


At enrollment ( approximately 24 months before XX/XX/XXXX ) I was told payments of about {$260.00} per month for 24 months would pay off the balance with no interest I relied on this information when agreeing to financing I have written proof from the dental office confirming this payment guidance and am attaching it Actions I took I set up automatic payments in good faith I believed autopay would follow the payoff plan I made payments consistently when autopay was active Problem that occurred Autopay was stopped for approximately 56 months without my request or consent I received no notification that autopay stopped or payments were not being processed When I contacted Synchrony to ask why autopay stopped, no explanation was provided XX/XX/XXXX The promotional period expired Approximately {$4000.00} in deferred interest was added to the account XX/XX/XXXX I spoke with a Synchrony agent I was told the deferred interest would be waived within two days I was told to check my account within 72 hours I then received an email stating the adjustment could not be made Most recent call ( XX/XX/XXXX ) I contacted Synchrony again seeking resolution I was told no further assistance could be provided I have made repeated good-faith efforts to resolve this issue and received conflicting information. 

Had I been clearly informed that autopay issues or minimum payments could result in thousands in deferred interest, I would have paid the principal more aggressively or in full. 

I acted in good faith based on the information provided and by setting up autopay.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Transform Credit Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> TOGETHER LOANS XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX, IL XXXX RE : FINAL NOTICE- FAILURE TO VALIDATE DEBT / VIOLATIONS OF THE FDCPA & FCRA ACCOUNT XX/XX/XXXXXXXX ] To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 USC 1692g of the Fair Debt Collection Practices ACT ( FSCPA ) and 15 USC 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation.

Your failure to provide constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation, violates the FDCPA, specifically : - 15 U.S.C 1692e - False or Misleading Representation - 15 U.S.C 1692f - Unfair practices- 15 U.S.C 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) and my State Attorney General and pursue civil litigation.

Sincerely, Jeyden Colon

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am filing this complaint regarding improper overdraft handling and wrongful debiting of my savings account. 

My checking account had a negative balance. At the time, I had approximately {$1200.00} available in my savings account. I immediately transferred funds from my savings account to my checking account specifically to cover the negative balance. Navy Federal Credit Union processes transfers instantly, and the funds were successfully transferred while sufficient funds were available. 

Despite this, Navy Federal Credit Union still overdrew my savings account and/or assessed overdraft or transfer-related debits improperly. This occurred even though the funds were available and transferred in time to cover the negative balance. 

This indicates improper processing, account handling errors, or wrongful fee assessment. I took responsible action to correct the negative balance using my own funds, yet my savings account was still debited improperly. 

I dispute any overdraft-related debits, fees, or improper withdrawals related to this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Review the materials shared ; the questions arrived without prior warning and could be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Gusrtel Law Firm contacted me about XXXX. File XXXX. A.R.S. 32-1002 through 32-1057 states the statute of limitations on credit card debt collections is six years. 

I believe XXXX XXXX XXXX sold them the debt. Not 100 % sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
In approximately XX/XX/year>, my Chime deposit account ( issued by XXXXXXXX XXXX XXXXXXXX. ) was closed/restricted, and I was informed that I could not access or recover the funds remaining in the account. At that time, the balance was approximately {$8000.00}. Over the following years, I was not provided a clear explanation for the restriction or closure, nor was I given a process to recover my funds. 

Recently, I received a Form 1099-INT issued by XXXX XXXX reporting interest income associated with this account, which indicated that the institution was still holding my funds. After further escalation, my account was eventually recovered and the funds were returned to me, but no explanation was provided regarding why my funds were held for several years or why I was previously told they could not be accessed.

I am requesting a formal written explanation of : 1. The reason my account was restricted/closed, 2. The legal or contractual basis for withholding access to my funds for multiple years, 3. The timeline of how the funds were handled from XX/XX/year> through the date of recovery, and 4. Copies of all relevant account records and internal determinations related to the restriction and release of my funds.

I am also requesting a review of whether the prolonged withholding of my funds complied with applicable banking and consumer protection requirements.

Chime Financial , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MOHELA
State: GA

Complaint narrative:
I have four primary issues with Mohela that has accumulated over the months/years that I have been unable to resolve directly with Mohela.

1. Loan XXXX and loan XXXX I completely paid off. In fact, I over paid {$100.00} and {$35.00}, respectively. This occurred because the automatic payment and my one time payments to completely pay off the loan coincided. Unfortunately, Mohela refuses to refund me the {$100.00} and {$35.00}. I've attempted multiple times to get them to refund me, however, they say something to the extent of, " we won't do that, we will apply it to one of your other loans. '' This is unethical practice, I overpaid for those loans you should do what's right and refund me. NOT take my money and apply it to other loans the way you feel is necessary. I am not delinquent on any of my other loans, this is just not fair.

2. I've NEVER asked them to put my loans in forbearance if it will affect my PSLF eligibility. It's on autodraft and they have been taking out money from my bank account every month for many many years. Not a single missed payment. With that said, during prior issues they decided to put it in " administrative forbearance '' while they correct the errors they made. The issue with this is that payments on loan 1 on XX/XX/year> and loan 1, 3, & 5 on XX/XX/year> and XX/XX/year> are listed as ineligible on the student aid.gov website for XXXX. I have a phone call recording from Mohela that says if they put it in administrative forbearance those " {$0.00} '' payments still will count towards XXXX because they messed up. I contacted student aid and they said I need to contact Mohela to get this fixed. 

3. I recently made large single payments to my loans and even paid off one of the loans. However, they still charge me the same monthly payment as before. They have not adjusted it accordingly. I tried to message them multiple times, no reply. I tried calling, it's impossible to get a real person on the phone.

Please kindly help me.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In 2025, I was added as an authorized user on my fathers Capital One Venture credit card. Capital One later restricted that account due to identity verification issues with my father. He has attempted to provide the requested documents multiple times, but Capital One has not accepted them and the account remains restricted. 

Later in XX/XX/year>, I opened my own Capital One Venture credit card in my own name. My account is active and in good standing, and I am able to use the card.

However, Capital One has linked my personal profile to the previously restricted authorized user account. Because of this, I am unable to access my own online account or mobile app. I can not view my statements, manage my account, or access or redeem my rewards.

I have contacted Capital One several times and provided all requested information. I was told my access can not be restored unless my father resolves his separate restricted account. I do not have control over that account and should not be denied access to my own account because of another persons account.

I am requesting that Capital One separate my account from the authorized user account and provide me full access to my own Capital One Venture account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I received a XXXX XXXX XXXX on XX/XX/XXXX that they purchased my account Indigo XXXX i had this card and it was charged off if I can remember i had this card in 2018 so the supervisor told me I need to pay this debt i told him I need the original contract and payment history he said he would send it but he didn't he sent me an email on the am6that they purchased on a charged off account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Post Lake Lending Inc.
State: OH

Complaint narrative:
On XXXX I took a loan of XXXX and was to payback XXXX with XXXX and some change a week. I done everything back sign my name to the final page but yet the money hit my account. I tried to get something in writing or email showing what I signed my name to but never got anything. I figured since it was a small amount I could use the little extra and help my credit. I have paid every week except the last XXXX and now there threaten to send my work company a hold deduction till they was paid off. I called them and they said if I would pay the XXXX XXXX XXXX they would close my account. So the amount i paid back was double what I seen i didn't sign the last page of the contract and was threatened with my job. Extremely rude when I tried to find out any info about the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicing Solutions, LLC
State: IN

Complaint narrative:
I informed the collection agency that the account was fraudulent and that someone had unlawfully and without my authorization obtained my personal information to open up multiple accounts in my name. I included an email I received from XXXX XXXX XXXX about a resent data breach in which my personal information was exposed. I also presented an email I received from XXXX  XXXX XXXX XXXX, informing me that my personal information was impacted by there data breach. My case number is XXXX. I also have my police report. XXXX  and XXXX  both removed this account from my credit file once they received my documents. This accrued in XX/XX/year>. I reached out to XXXX  to inquire why the account was not removed and was told that my SSN and DL was not clear enough and to resend them back in. I resent clearer copies and called XXXX  to make sure they were acceptable. I was told that they received the documents and that the account would be removed in XXXX hours. A week went by and it was still reporting. I called XXXX  for and explanation and was told that my CFPB report had expired and I would have to file another one. Therefore this is my second attempt at resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I purchased a vehicle in XXXX  XX/XX/XXXX and needed to transfer title to XXXX  where I live. 
The vehicle was financed through Wells Fargo Bank. 
The XXXX  XXXX XXXX XXXX XXXX generated a paper title for the vehicle and sent it to Wells Fargo, who acknowledged Receipt on XX/XX/XXXX. 
As of XX/XX/XXXX Wells Fargo is unable to send the title to the XXXX  XXXX XXXX XXXX XXXX and seems to have lost the title. 
I might lose the use of my vehicle if this is not resolved since XXXX  will not allow a XXXX temporary registration tag and I will be unable to register the vehicle in XXXX  without the title document.

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase bank continually overdrew my account on a claim they should not have closed even after assuring us that the issue was handled. Not only have I uploaded all the documents they asked for including documentation that my refund should have been sent but they put me on hold until after the department they routed me to closed and hung up on me multiple times which I can prove via recordings. I also have the recording from the company that charged me stating that they never should have charged me to begin with and they dont know why I was.

Company response to consumer: Closed with explanation