vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made a deposit of approximately XXXX to my account. A few day later I wrote a few checks to pay my vendors, and debts. Only to wake up the next morning with my account locked and my checks cancelled. When I called to see why, I was told I needed to go to any bank of America branch with 2 forms of ID to verify myself and I couldn't be given anymore information. First problem is all these bank of America 's close at XXXX which runs into my work schedule. Nevertheless I made it to XXXX before they closed only to be told I had to speak to advisor who wasn't working at the branch that day. So I tried to make it again about a week later only to be told the same thing. This second time I presented my ID and requested that my account be closed, only to be told they couldn't do it at a branch and I had to speak to customer service. So I called again explaining all this and was told nothing except they can't communicate with me. Not only that, they won't even tell me what if anything I need to bring in, not even at the branch, so they want me to come in, wait on an advisor just to find out what I need to bring in, then I have to go get it and come back with it, this is ridiculous, I work for a living I can't continue to take off work to deal with this. At this point I simply want my accounts closed immediately as I've been dealing with this for almost 30 days. So I'm now submitting my or off if identity via cfpb and requesting that my account be closed immediately.

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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Vehicle was purchased in XX/XX/year> from XXXX Says Yes Dealership in XXXX Ohio. I signed a purchase order and contract and arranged insurance to cover the vehicle and took it on a spot delivery. XXXX been paying on the vehicle for 2 years and upon attempt to refinance the vehicle it was discovered the vehicle had XXXX previous wrecks on it that was never disclosed to me before purchase of the vehicle. This devalued the vehicle dramatically leaving me XXXX down on the vehicle. I contacted the lender and the dealership and found that the contract the lender has on file has been scratched out and upon closer review of the signature it does not resemble my signature at all. I opened a complaint with ohio XXXX and the lender denied mediation and gave its reasoning of the condition of the contract and explained that they had previously obtained dealer packets for financing that the lender denied on at least XXXX others times giving dates if these denials. None of these denials match any credit pulls on my credit report. The lender validated the contract as legitimate. Since when did lenders allow contracts and dealerships to accept scratched out signatures for financing. OR the lender knows the contract is fraudulent and scratched it out knowing the forgery would be discovered. Either way it is not the same contract that was originally signed. I have all purchasing documents from the day I purchased the vehicle the fact that the contract was forged is another issue on top of the undisclosed wrecks that devalued the vehicle so much I can not obtain refinancing of the vehicle there fore trapping me in to a XXXX XXXX XXXXXXXX loan with the lender. CONSUMER PORTFOLIO SERVICES INC has violated FAIR CONSUMER RIGHTS ACT by collecting a debt for auto finance contract obtained by forgery and fraudulent actions frombthe dealership and reporting negative payments against my credit report. Consumer Portfolio Services Inc are collecting payments on a forged account and charging excess if XXXX % intrest on the loan contract while knowing the vehicle XXXX have structural damage previously undisclosed. Putting money and contracts before the well being of the customer they serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm was the online finance portal used by XXXX for monthly payments of {$1500.00} purchase price. XXXX used deceptive marketing, marketing on social media that they offer XXXX. They never disclosed their XXXX products were compound until after purchase was made and financing secured. Once I received and realized I had been duped, I immediately contacted XXXX who offered a partial refund of about {$400.00}. I said no. I immediately returned all materials, unopened and contacted Affirm to dispute financing due to fraud. They denied my first attempt to dispute and have sided with XXXX I reopened the dispute today with additional proof of fraudulent advertising showing that at no point do they disclose they sell compound - not XXXX approved/regulated - product. They represent themselves as medical grade labeled XXXX. I also showed that their competitors clearly state compound in multiple places on their marketing and throughout purchase, making it a clear choice of fraud that they do not. I am asking Affirm to accept my dispute as I returned the fraudulent product received. I did not receive what I thought I purchased and would not have agreed to purchase and/or financing had I been made aware. I did not agree to what I got. I sent it back. I should not be forced through extortion of damaging my good credit to pay for the bad acts of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect, you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/year> Complaint Description : I am filing a formal complaint against Capital One regarding their credit evaluation practices and their reliance on outdated internal data to systematically deny credit to rehabilitated consumers. Over eight years ago, I had an account with Capital One that was charged off. I settled this debt with Capital One for 50 % of the balance more than eight years ago. Because of the age of the account, this negative history has legally and successfully aged off all three of my major consumer credit bureau reports. Today, I have a prime credit score of approximately XXXX, a stable job, and a strong, verifiable income Despite my excellent credit standing and financial stability, every time I apply for a Capital One credit cardincluding using their pre-approval toolsI am instantly and automatically denied. When I requested a manual human underwriting review through their reconsideration lines, I was told that the automated system can not be overridden due to past internal history. Capital One is utilizing internal database records of a settled debt from nearly a decade ago to create a lifetime ban. This completely bypasses the intent of the Fair Credit Reporting Act ( FCRA ) time limits on negative data and effectively punishes a consumer indefinitely, despite complete financial rehabilitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint against Equifax Information XXXX XXXX XXXXor continuing to report an inaccurate and disputed collection account from XXXX XXXX XXXX on my consumer credit report despite formal disputes and identity theft concerns. The disputed account, reported in the approximate amount of {$9100.00}, is not recognized by me and I have never knowingly conducted business with XXXX XXXX XXXX. I dispute any alleged responsibility for this account in its entirety. I previously submitted disputes and a formal FCRA 605B identity theft notice, yet Equifax continues reporting this derogatory collection account or has failed to properly remove it. I am concerned Equifax has failed to conduct a reasonable reinvestigation and instead relied upon automated or inadequate verification methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
XXXX XXXX Formal Complaint Unauthorized Account Hold and Unreasonable Delay in Fund Access by SOFI Bank XXXX XXXX XXXX XXXX Date of Original Incident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Dispute Filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX per bank 's records XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I attempted a cash withdrawal at an ATM located inside the XXXX XXXX in XXXX, Oklahoma. The transaction appeared to process normally ; however, no funds were dispensed by the machine. I contacted XXXXXXXX XXXX XXXX XXXX service provider, who advised me to file a dispute with my bank to recover the funds. I filed a dispute with my bank on XX/XX/XXXX. At that time, the bank collected all relevant information and subsequently placed a hold on both my checking account and my savings account. My savings account contains my life savings in excess of {$69000.00} and I have been completely unable to access these funds since the hold was placed. XXXX XXXX Timeline of Contact with Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX * * Called the bank regarding the hold; spoke with a supervisor named XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A bank supervisor contacted me and advised that I could cancel the dispute, after which the bank would close my account and issue my funds. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No resolution had been reached. I called the bank and formally requested cancellation of the dispute and immediate closure of the account. The bank informed me it would take an additional 14 days to issue a check for my funds. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My funds have been inaccessible for more than 30 days. I am unable to withdraw, transfer, or wire my money in any form. The bank has not provided a lawful or satisfactory explanation for why both accounts including XXXX entirely unrelated to the dispute have been frozen. The prolonged hold on my life savings constitutes an unreasonable and potentially unlawful withholding of my funds. I am requesting immediate investigation into this matter and prompt release of all funds in both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
in XX/XX/year> I purchased some some products in an XXXX XXXX XXXX. After a week I payed of the full amount. In XXXX I received an email with a late fee notification... I went online and I sow two months of late fee and a 2 months of fee charges. I called them knowing XXXX be a mistake and why late fees when the account was payed in full, and why added fee charges? They told me I didn't payed in time and those are the charges added to an unpaid account late fee and an account fee. I told them when I went online to checked how much I have to pay, there was no other charge then the product purchased, and that's why I payed the account in full. And the late fees and the extra fee of charges there XXXX be a mistake cause I payed in time and I didn't sign up for any account products or services... They put me on hold for more then 15 minutes, and after that the operator came back to tell me the charges are real and ask me how I wan na pay? I asked to be transferred to a manager to resolve the problem cause those are a fraud and wrong charges. I was put again in hold for about another 10 minutes and after that they hang up the phone. I called again, I explained again and ask directly to be transferred to a manager and they put me in a hold again, and again after about 10 minutes waiting, they hang up on me again. I called again and ask for my account to be closed, They ask me to just pay the 2 months of late fees and the rest of the fraud account fee charges which I didn't signed up for. After I payed they said they will close my account right away and I will receive, a confirmation email in max 24 hours, is about three weeks now, XX/XX/year>, didn't receved anything yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-06-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: LA

Complaint narrative:
I purchased a computer from XXXX and returned it. XXXX confirmed in writing that a refund was issued. The refund never posted to my XXXX XXXX account. I filed a dispute with XXXX XXXX ( Claim # XXXX ) for a billing error under Regulation E : a refund that was not properly posted. XXXX XXXX denied my claim and reversed my provisional credit without reviewing the refund confirmation email I provided. XXXX XXXX relied solely on the merchants generic transaction valid response and did not investigate the return or the refund. Their denial letter used unauthorizedtransaction language ( an authorized person benefited from the transaction ), even though my claim was not for fraud. I requested the documents used in the investigation, and XXXX XXXX repeated the same generic denial without addressing the conflicting information or providing evidence. I am requesting : A full Regulation E reinvestigation A review of XXXX XXXX failure to consider my documentation The merchants actual response and all internal notes used in the investigation Restoration of my provisional credit if the investigation can not be completed within the required timeframe

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 2026-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This dispute concerns an unverified, XXXX alleged medical debt collected by a third-party agency that is legally void and uncollectible under Texas state law. According to the collection agency 's internal portal records, the disputed balance is comprised of XXXX distinct daily inpatient service lines from a medical provider : Service Date : XX/XX/XXXX ( {$350.00} ) Service Date : XX/XX/XXXX ( {$270.00} ) Service Date : XX/XX/XXXX ( {$120.00} ) Totaling exactly {$750.00}. Under Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Timely Billing by Health Care Service Provider ), a health care provider is strictly prohibited from collecting a debt from a patient if they fail to issue an initial billing statement by the first day of the XXXX month after the services were provided. For these XX/XX/XXXX service dates, the absolute statutory deadline to issue an initial bill was XX/XX/XXXX. No timely bill was ever sent or received. Consequently, this debt became legally void and uncollectible as a matter of law on XX/XX/XXXX. The collection agency 's consumer portal is deliberately configured to block consumers from submitting text-based legal disputes or statutory defenses, forcing irrelevant insurance data capture fields instead. Furthermore, their inbound corporate email systems reject legal delivery via permanent internal routing loops. The consumer has attempted to engage with the agency, but they provide no functional direct electronic channel to perfect a legal notice.

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 2026-06-07 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: TX

Complaint narrative:
} I am submitting a final escalation regarding my Cash App account, which has been closed since XXXX with no resolution provided. Since the closure of my account, I have made repeated attempts to resolve this issue through the companys appeal process. I have submitted multiple appeals over an extended period, including but not limited to the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. There XXXX be additional earlier appeal attempts in XXXX that are not fully documented due to the length of time this issue has continued. At no point have I received a clear final explanation or meaningful resolution. I have also offered to provide any requested identifying information or documentation to verify my account and assist in resolving the issue, but my appeals have continued to be denied without further clarification. Given the length of time this has been ongoing and the repeated unsuccessful attempts to resolve it through normal support channels, I am requesting a full review and final determination of my case. I am asking for either restoration of access to my Cash App account or a formal written explanation of the permanent closure and the specific reason it can not be reverse

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: OneMain Finance Corporation
State: CA

Complaint narrative:
One main Financial company took money from my checking account without my permission or authorization. I am the only person on this checking account, I did not give them authorization or permission to take any money from my account. On XXXX XXXX, 2026 they withdrew {$67.00} from my checking account without my permission or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Product/Service : Credit cardIssue : Problem with a rewards program / credit card benefitsCompany : JPMorgan Chase Bank XXXX XXXX Text : I am writing to file a formal complaint against Chase Bank XXXX their failure to honor a contractually promised benefit of my Chase XXXX XXXX Rewards credit card ( Account ending in XXXX ) .As a primary cardholder and a Platinum Elite member, I pay an annual fee specifically to receive an annual Anniversary Free Night Certificate. I attempted to redeem this certificate for a stay at the XXXX XXXX XXXX XXXX XXXX XXXX for the dates of XX/XX/year>, to XX/XX/year> ( Confirmation Number : XXXX ) .The hotel showed standard room availability eligible for my certificate. However, the redemption was blocked due to a technical error or an undisclosed policy that both Chase and XXXX have failed to resolve. I have already reached out to both parties, but they have engaged in finger-pointing : Chase claims it is an XXXX system XXXX, while XXXX states XXXX the certificate management is controlled by Chase. Furthermore, I was presented with an unauthorized seven-day authorization policy that was never disclosed in my booking communications or the credit card 's terms and conditions. As a result, my family members were refused the accommodation that I had legitimately secured with my card benefits. This failure to provide the advertised benefit after I have paid my annual fee constitutes a breach of the cardmember agreement and deceptive marketing. Desired Resolution : I request that Chase immediately resolve this by : Manually crediting my XXXX Rewards account ( [ XXXX ] ) with the equivalent points required for this stay ; ORIssuing a statement credit of {$250.00} to my account ending in XXXX to cover the cash value of the room I was denied ; ORFormally investigating the lack of disclosure regarding the " seven-day authorization policy '' which prevented the use of my reward.

Company response to consumer: Closed with non-monetary relief