vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding a vehicle loan account with XX/XX/XXXX involving a failed XXXX insurance claim and an inaccurate remaining balance. This is not simply a credit reporting issue. This is a servicing and balance calculation failure that has resulted in incorrect and misleading reporting. At the time of loss, the total account balance was {$10000.00}. My primary auto insurance paid {$7700.00}. The XXXX administrator calculated a XXXX benefit of {$2400.00}. These documented amounts do not support the significantly higher balance that XX/XX/XXXX continues to report. Additionally, the XXXX claim was never properly completed. The claim was marked incomplete due to a requirement for documentation from the dealership regarding a financing discrepancy. That dealership is no longer in business, making it impossible to provide the requested documentation. Despite this,XX/XX/XXXXdid not provide an alternative resolution or properly process the XXXX claim. Any remaining balance appears to exist due to a failure in the XXXX claim process, not due to a valid or enforceable debt. Despite this, XX/XX/XXXX continues to report : An inflated and unsupported balance A repossession/foreclosure status Extended XXXXday delinquency history Additionally, this account is being misclassified on my credit report as a real estate mortgage, which is completely incorrect. This is a vehicle loan and should not be reported as a mortgage under any circumstance. I have attempted to resolve this issue for over XXXX years through direct disputes and credit bureau disputes. I have sent multiple certified letters, provided full documentation, and received no meaningful response or validation of the balance being reported. I am requesting the following : A full review and completion of theXX/XX/XXXX insurance claim A detailed accounting of how the remaining balance was calculated after insurance andXX/XX/XXXX application Documentation supporting any balance XX/XX/XXXX claims is owed Correction or deletion of any inaccurate reporting resulting from this issue If XX/XX/XXXX can not provide full documentation supporting the remaining balance, this account should not be reported. This matter should be reviewed as a servicing failure and inaccurate balance reporting, not just a credit reporting dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am a victim of identity theft and submitted a formal Identity Theft Report to Synchrony Bank regarding an account ending in XXXX. I mailed my documentation with XXXX tracking, which confirms delivery to their fraud department on XXXX XXXX XXXX. Despite this confirmed delivery, Synchrony representatives repeatedly state that they did not receive my documents and have failed to properly process my dispute. This is my second attempt to resolve this issue. Synchrony has already acknowledged fraud by closing the account and stating they notified the credit bureaus, yet they are now delaying or failing to properly investigate and block the fraudulent account information. Additionally, representatives have stated that my Identity Theft Report does not matter in their decision-making process. This is concerning, as under the Fair Credit Reporting Act ( FCRA ), a valid Identity Theft Report must be considered, and companies are required to block fraudulent information upon receipt. I have provided all required documentation and have proof of delivery. Synchronys failure to acknowledge or properly act on this documentation is causing ongoing harm to my credit. I am requesting that Synchrony Bank : Confirm receipt of my Identity Theft Report Complete their investigation immediately Ensure the fraudulent account is permanently removed from all credit reporting agencies Provide written confirmation of the outcome I have repeatedly contacted the company regarding the submission of my documents. I was informed that my faxed documents were successfully received, however the company continues to state they were not received and has denied my request to recover or verify them. When I call for updates, I am often placed on hold for several minutes and the call then disconnects without resolution I am attaching proof of USPS delivery and my Identity Theft Report.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding my XXXX credit card account issued by Wells Fargo. I enrolled in a payment assistance program offered by Wells Fargo in XX/XX/year> in order to responsibly manage my account during a period of financial difficulty. The information provided about this program indicated that late fees would be waived. However, I was not clearly informed that payments made under this program would still be reported as late to the credit bureaus. Because this was not clearly disclosed, I reasonably believed the program was designed to provide temporary assistance without negatively affecting my credit reporting. Despite this, late payments were reported to the credit bureaus. The payment of roughly {$120.00} was due XX/XX/XXXX and the payment was made a few days later. Additionally, I experienced significant technical issues when attempting to create and access a Wells Fargo online account to manage and submit payments. Multiple attempts to register online resulted in system errors preventing account setup. I also attempted to resolve the issue through Wells Fargo representatives by phone, but they were unable to successfully complete the account registration process. These barriers made it unnecessarily difficult to access the account and make timely payments. Given these circumstances, I believe the reporting of late payments is unfair and does not reflect the full context of the payment assistance program or the access issues I encountered. I am requesting that Wells Fargo review this matter, provide clarification regarding the terms of the payment assistance program, and consider removing the reported late payments from my credit report. Thank you for your attention to this matter.

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 2026-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAC Financial Corp
State: KS

Complaint narrative:
CAC Financial Corp is reporting two identical collection accounts on my credit report, both for {$1600.00} from XXXX XXXX XXXX XXXX XXXX, opened XX/XX/year>. I do not recognize these debts and believe they are the result of identity theft. My car was stolen in XXXX, CO and I have both a police report and an FTC Identity Theft Report on file. I formally disputed both accounts with XXXX under FCRA 1681c-2 but the disputes were denied. I contacted CAC Financial to resolve the accounts and they refused to provide any written pay for delete agreement before payment, leaving me with no consumer protection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I would like to share my frustration and disappointment on synchrony bank with home credit card I made a purchase with XXXXXX/XX/XXXX they sold me pieces in XX/XX/year>2023 that had issues and since then I been disputing this charge with synchrony never resolving they put the wrong reason, they always fail to back me up. This furniture store sold me pieces that had mechanical issues they sold me a warranty they never fulfill it and gave me the run around never once responded but they keep claiming my purchase was good it was not I was sold damaged pieces and I have sent to the credit card company proof of emails, messages, a letter from the seller stating this I was sold something defective, emails to the furniture store etc and nothing now I am being harassed for payment but yet in XX/XX/XXXXyears they not even once assist XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 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 filing this complaint regarding a collection account reported by Jefferson Capital Systems LLC that I do not recognize and did not authorize. This account is being reported on my XX/XX/XXXX credit report as a collection/charge-off ; however : I did not enter into any agreement with Jefferson Capital Systems I did not provide authorization for this account to be reported on my credit file I have not received proper validation of this alleged debt Additionally, this account is only being reported on XX/XX/XXXX and does not appear on XX/XX/XXXX orXX/XX/XXXX, which raises concerns about the accuracy and completeness of the reporting. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of any alleged debt. Under the Fair Credit Reporting Act ( FCRA ), all information furnished must be accurate, verifiable, and complete. To date, no documentation has been provided demonstrating that I owe this debt or that the company has the legal right to collect or report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am requesting a formal review of the closure of my credit card account with U.S. Bank. My account was closed due to suspected fraud. I contacted your team and provided verification that all transactions in question were legitimate and authorized by me. Despite this, I was informed that the account would remain closed and that no further explanation could be provided. The only unusual activity appears to be that I made a payment to my personal credit card using my business account. Both accounts are owned and controlled by me, and this was a legitimate transfer of my own fundsnot fraud or unauthorized activity. I have also provided the requested documentation to prove this. I am requesting : A formal reconsideration of the account closure A clear explanation of the reason for the closure Confirmation that this closure will not negatively impact my credit profile or future eligibility I have made every effort to cooperate and provide documentation, and I would appreciate a fair and transparent review of this decision. Thank you for your time and assistance.

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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I sent {$3000.00} over to my Cash App account from My main banking, which is Bank XXXX XXXX around XX/XX/year>. As of XX/XX/year> when I was trying to use my money that was sent over to Cash App from my XX/XX/XXXX, I noticed I wasnt able to and supposedly they flagged my account as suspicious activity. I have used Cash App for years and never had an issues with them. My funds that was converted over was from myXX/XX/XXXX from my tax refund. I was giving the run around for weeks saying it was escalated to specialty team and I have to wait approximately XX/XX/XXXX days until funds were returned back to me. We are pass the XX/XX/XXXX days and they still wont release my money but closed my Cash App. I appealed their decision and was denied again and still no access to my funds. I have contacted them numerous time and nothing has been resolved. This has became very frustrating for me and cause me to get in a financial hardship and behind on bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: NJ

Complaint narrative:
This is a complaint against the credit card company Bilt. On XX/XX/XXXX when I logged on to the Bilt app, to make the payment for my XXXX charges, I was given a number and asked to call XXXX XXXX to make the payment. I was told by the XXXX agent that the balance on my card was XXXX and I paid the whole amount as I didn't want to get charged an interest. On XX/XX/year> when I could see this amount still reflected in my current balance, I contacted Bilt and was asked to call XXXX XXXX again. After speaking with the agent it was clear that Bilt had messed up the balance transfer. Ever since I have been repeatedly asked to call XXXX XXXX and even go visit a branch when I have clearly paid the balance. Bilt has been harassing me to make the payment twice and is refusing to close the account. XX/XX/year> : The complaint was escalated within Bilt XX/XX/year> : I was asked for XXXX XXXX information to which I replied that I only have the proof of payment screenshot from XXXX and provided that agian XX/XX/year> : Replied again confirming I have no other information from XXXX XXXX XX/XX/year> : XXXX from Bilt had the audacity to ask me to go visit a XXXX XXXX XXXX XX/XX/year> : I called Bilt support to close my account and after an hour of haggling was told it can't be done until the XXXX balance is cleared and the expectation was that I pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: FL

Complaint narrative:
I am writing to formally escalate a matter that has now reached an unacceptable level of delay and mismanagement. On XX/XX/XXXX, I filed a fraud dispute involving 11 unauthorized transactions totaling {$24000.00}. Due to the severity of the situation and the active financial hardship this has caused, I immediately escalated the matter through your fraud and dispute division. Since then, I have spoken with more than six supervisors, all of whom confirmed the same information : My provisional credit was approved It was queued for processing It would be applied within 2448 hours Over the past three consecutive days, I was explicitly assuredmultiple timesthat the funds would be credited to my account by end of day. Despite these repeated confirmations, no credit has been applied. As of now, it has been over 72 hours since the provisional credit was queued, well beyond the timeframe I was consistently promised. Each supervisor has : Left detailed notes on my account Escalated the issue to the back-end processing team responsible for issuing the provisional credit Yet, despite these escalations, there has been : No action taken No communication from the back-end team No resolution provided This level of inaction is unacceptable, particularly for a customer who has banked with Bank of America for over 14 years and has processed millions of dollars in business transactions through this institution. This delay is causing ongoing and significant financial harm, and at this point reflects what can only be described as a serious processing failure. This is my final attempt to resolve this matter amicably.

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 2026-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have a lease contract with Ally Account number : XXXX with 23 months left. Due to a temporary economic difficulty, I requested a payment extension to move two months of delay at the end of the contract. My intention is to comply with the entire lease. However, Ally 's customer service refused to pass me with a supervisor or the Loss Mitigation department, and they ended the chat session abruptly without offering alternatives to help the consumer. I request a manual review of my account to avoid unnecessary reposition and protect my credit history, given that there is a willingness to pay and a long term remaining in the contract. Please note I have tried to contact this deparment at Ally on numerous occasions and each time they have refused assistance and also never provided me with case # or reason why my requests were denied.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank of America closed both of my credit card accounts without providing a clear or specific explanation. I did not engage in any irregular, suspicious, or unauthorized activity. I was not notified of any issue before the closure, and I was not given an opportunity to clarify or dispute anything. I contacted the bank to request an explanation, but they only provided generic responses and refused to give any details about the reason for the closure. This action was unexpected and unjustified, and I am concerned about the potential impact on my credit history. The accounts affected were two Bank of America credit cards that were closed by the company without proper explanation.

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 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I have a derogatory entry on my credit report. Ive asked the company for validation of debt numerous times they do not provide it of disputed it with the credit reporting agency. It does not get resolved. Ive disputed it with the company still not getting resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The company locked my card because of a large purchase when I called to try the card unlocked they went through 30min of person verification After everything was told to them they replied that I have to send a copy of my drivers license social security card and an electric bill before they will unlock it and I had to either fax or mail it to them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
From XXXX to XXXX I have had fraudulent activity I reach out to Pnc bank and no help I had XXXX taken out of my acct recurring transactions they have given me 3 different debit cards and changed my checking acct numbers but still getting scammed on my newest debit card went to the bank we disputed charges and XXXX XXXX at Pnc said the bank owes me XXXX so then I called today at Pnc and they denied my claim my acct was wiped out i now have past due bills to pay I took my statements up to Pnc and talked with XXXX I had the scam transactions highlighted XXXX said I dont need your statements we will figure this out tell me how do you just guess at what they owe me! It is the most horrible experience ever

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IN

Complaint narrative:
My Cash App account was permanently deactivated after I disputed transactions that I believed were unauthorized or incorrect. Cash App stated that my account violated its Terms of Service, but did not provide a specific explanation of what rule I allegedly violated, what transaction caused the closure, or whether a human review was completed. I am requesting that Cash App/Block , Inc. provide a clear explanation of the specific Terms of Service provision allegedly violated, identify the general activity that caused the closure, confirm whether the decision was manually reviewed, and allow me access to withdraw any remaining funds. I submitted disputes in good faith and did not intend to misuse the platform. I am asking for a secondary review of the deactivation decision and a written explanation of the outcome.

Company response to consumer: Closed with explanation