vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have used Paypal credit for many years now. I have frequently taken advantage of their promo " XXXX mos no interest on purchases over a certain dollar amount '' over the years without issue. In the last several months, Paypal credit advertised that they were sending all of their credit customers a physical Paypal XXXX credit card ( unless customer declined ). The terms mailed to me which I no longer have but did read, specified that the new paypal credit physical card would only receive the XXXX mos no interest promo rate on purchases which were made XXXX and not at physical locations. I did take note of that and made a personal note to myself to only use the credit card for online transactions. This past billing cycle ( XX/XX/XXXX ) I used the Paypal XXXX credit for XXXX ONLINE transactions -- - XXXX ) XX/XX/XXXX XXXX XXXX XXXXXXXX {$700.00} and XXXX ) XX/XX/XXXX XXXX XXXX  {$510.00}. Both of these purchases met the mailed advertised requirements of being greater than {$140.00} and online transactions. On my XX/XX/XXXX statement I did not receive the advertised promo and it shows my owing the total amount charged this month unless I want to pay almost XXXX % interest. When I contacted Paypal credit about this error I was informed that in addition to it being an online transaction it had to be processed through their paypal portal and not just a credit number typed in online. This was not at all made clear or even disclosed in the advertising mailed with the card. I feel defrauded by their lack of transparency and seemingly deliberate attempt to " trick '' the consumer into charging large amounts and they owing interest when can not pay in full. I would like to not only have my transactions corrected, but also make sure others are not being similarly conned. Thank you.

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 2026-01-20 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: Block, Inc.
State: MD

Complaint narrative:
Cash App refused to give me refund back of a scammer. I then appealed it and they again refused to refund me and then they closed my Cash App account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
The total price on the vehicle was marked up at the time of sale in order to absorb the amount paid at the time of sale ( down-payment ) from XXXX to XXXX. 

Essentially causing me to pay double the amount down for the vehicle. 

At the time of sale there was no discussion of the option to rescind the contract within a certain window of time which must be provided to any consumer according to federal law. The documentation to rescind as well as the option to rescind must be provided at time of sale or the contract is null and void. 

A notice was sent to Lexus Financial Services via XXXX mail in XXXX of XXXX and was received however no further correspondence has been attempted by Lexus Financial to resolve the issue until XX/XX/XXXX. I called in and spoke with XXXX from customer service who transferred me to XXXX who was a customer resolution XXXX. 

She confirmed the notice sent via certified mail had been received and suggested that I send further correspondence to an address in XXXXXXXX XXXX 

They are still sending notices to collect on the contract, and have yet to address the issue regarding the violations of federal laws regarding commercial sales contracts and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
Issue : Mortgage Servicer Misconduct, Harassment, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX M & T Bank Summary of Complaint : Since XX/XX/XXXX, I have repeatedly attempted to submit a complete Hardship Application due to a medically documented condition and financial hardship following a car accident. Despite submitting the required documents multiple times, M & T Bank continues to claim my application is incomplete, without providing consistent or accurate instructions. 

Details of the Problem : I receive conflicting information between phone calls and mailed notices. 

I have been sent multiple contradictory letters with unclear or inconsistent instructions. 

Representatives have visited my property at least twice, leaving notices on my door despite my active communication and ongoing submissions. 

I have experienced excessive and inconsistent contact, with different representatives giving different requirements. 

The banks conduct has caused significant emotional distress, contributing to my need for prescribed anxiety medication. 

On XX/XX/XXXX, I was informed by a phone call from M & T Bank that my home is now in foreclosure, despite my repeated attempts to comply with all requests.

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 2026-01-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
. XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX  Status : Charge-Off / Collection Balance : {$560.00} Experian has XXXX to provide any documentation validating this alleged debt. 
Violation of FCRA XXXX & XXXX. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} Status : Collection No proof of assignment, no signed contract, no accounting. 
Must be deleted under FCRA 611. 
3. XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Historical XXXX late payments Billing accuracy has not been validated. 
Unverifiable data must be removed. 
4. Hard Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I opened a business checking account with Chase in early XX/XX/XXXX. Shortly after opening the account, Chase closed the account twice without notice, citing an address issue related to a PO Boxtype address. I promptly updated my address to a valid physical business address as requested. 
After the account was reopened, Chase placed a hold on the initial funding of the account, which was a wire transfer from my personal account. I was informed that the funds required verification. I fully cooperated with all requests and provided any information needed. 
As of late XX/XX/XXXX, Chase has confirmed that the funds have been reviewed and approved for release. However, I am now being told that it will take an additional XXXX business days for the funds to be made available. At this point, Chase has been holding verified business funds for nearly XXXX months. 
The account closures without notice and the prolonged withholding of approved funds have caused unnecessary disruption and financial harm to my business. I am requesting immediate release of the funds and written confirmation of the resolution and timeline. I am also requesting an explanation for the repeated account closures without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I am submitting this complaint regarding identity theft and inaccurate credit reporting by XXXX XXXX XXXX XXXX XXXX  related to an alleged payday-style consumer loan originating from CHECKSMART.

After reviewing my consumer credit reports, I discovered a collection account reported by XXXX XXXX XXXX with the original creditor listed as CHECKSMART. I did not apply for, authorize, or receive any loan or funds from CHECKSMART, nor did I enter into any agreement authorizing XXXX XXXX XXXX  to collect or report any debt in my name.

Despite the account being unauthorized and fraudulent, XXXX XXXX XXXX  reported the account as a derogatory collection tradeline with an outstanding balance. This inaccurate reporting has caused significant harm to my credit profile, including lowered credit scores, adverse credit decisions, and financial distress. 

Upon discovery, I disputed the account and submitted sworn affidavits of fact and truth asserting identity theft. I formally notified XXXX XXXX XXXX of the fraud and invoked my rights under the Fair Credit Reporting Act ( FCRA ), including : FCRA 609 ( a ) ( 1 ) Request for the source and method of verification FCRA 605B Demand for blocking and deletion of information resulting from identity theft XXXX XXXX XXXX failed to provide competent evidence demonstrating that I applied for, received funds from, or authorized a loan with CHECKSMART and has continued to furnish inaccurate and fraudulent information to consumer reporting agencies after receiving notice of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
At XXXX hours on XX/XX/2026 I was contacted by Medicredit Inc. from phone number XXXX. The female individual on the phone call informed me that they had an " exclusive offer '' to reduce my amount owed and that if I paid the lower amount immediately they would report the debt as " paid in full ''. The issue is that at no point during the phone call was I provided the XXXX XXXX XXXX disclosure of it being an attempt to collect a debt as required by the FDCPA. The phone call lasted approximately 4 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Checking account constantly in overdraft and bank does not release money for my car loan though I signed up for 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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: AL

Complaint narrative:
HWARFIELDis falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELDis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
So I am a chime member I got scammed out of money I paid for service I did not receive the person was a fake and doing fraud I sent the money but the bank told me its nothing they can do this was my first transaction with this person and I took a loss

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I maintained auto insurance with XXXX XXXX through XXXX XXXX XXXX in XXXX, NC. My policy was on autopay. In XXXX, I traded in my vehicle and obtained a new one. XXXX XXXX was no longer the best insurance option for the new vehicle, so the policy was canceled prior to renewal. 

The final payment was paid through autopay. After cancellation, XXXX XXXX assessed a {$100.00} cancellation fee. This fee was never billed to my card on file, and I was never notified that a balance remained due. I only became aware of this alleged balance after it appeared as a collection account on my credit report. 

The collection agency, FirstPoint Collection Resources, claims they can not remove the collection from my credit report even if paid, and that only XXXX XXXX can authorize removal. I contacted XXXX XXXX directly, spoke with a representative named XXXX, and paid the balance in full. I was informed that the matter was resolved and that the account should be removed. 

Despite payment in full to the original creditor and authorization to resolve the account, FirstPoint Collection Resources continues to report the collection. I have never had a direct business relationship with FirstPoint Collection Resources. This collection resulted from an insurance billing issue and lack of notice, not refusal to pay. 

I am requesting removal of this collection account from my credit report due to improper billing, failure to provide notice, and continued reporting after payment in full by the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/year>, Cash App processed an unauthorized {$25.00} charge from " XXXX XXXX, '' a merchant I've never heard of or authorized. I immediately disputed this fraudulent transaction through Cash App 's system. 

On XX/XX/year>, Cash App sent an email stating my dispute was " resolved in your favor '' but only refunded XXXX XXXXwhich was merely the international transaction fee THEY charged. They kept the entire {$25.00} fraudulent charge while refunding only their own fee. 

This is deceptive practice : marking a fraud dispute " resolved in your favor '' while keeping 100 % of the stolen funds. By refunding their fee, they acknowledge the transaction was fraudulent, yet they profit from keeping the actual fraudulent charge. 

Resolution requested : Immediate refund of the full {$25.00} fraudulent charge that Cash App acknowledges was unauthorized but refuses to return while falsely claiming my case is " resolved. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX I sent {$500.00} through cash app to a housing company XXXX XXXX XXXX XXXX for an apartment, which that was the holding fee, I did not accept the apartment and sent emails discussing how the process was showing prejudice and discrimination. I filed a dispute with cash app and that was on XX/XX/XXXX when my calls were being screened and not returned. Cash app opened a dispute and it is now XX/XX/XXXX and I still have yet to receive my refund. I did get in touch with the housing company back at the end of XX/XX/XXXX and was told they were sending my refund to the finacial credit and I would receive my refund. I have not spoken to anyone since. This is ridiculous that I have to go through this to get my money back for a service that was never provided or given and cash app can careless. Everytime I call they say its still being sorted out, like what is their to sort out besides a company scamming people through your company and yall allowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have tried to call BoA but as I am out the US and they dont pick up, the bill is super expensive. I also sent a letter as they request in their webpage but they have not closed my cc which has a balance of 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 explanation
Consumer complaint received 2026-01-20 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: RI

Complaint narrative:
CREDIT COLLis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Yes Online Inc
State: CA

Complaint narrative:
Self/Southstate opened XX/XX/XXXX balance {$210.00} I never open this account. I explained identity theft happened to me and they told me thats not their issue. 

XXXXXXXX XXXX XXXX  XXXX opened XX/XX/XXXX balance {$87.00} This is a child support case that i have no idea clue about. XXXX can someone claim Im a father without blood test and I offered this and no reply from XXXX XXXX on this matter. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$3200.00} This a golf membership i never applied for, spoke to tomorrow they said someone signed up and used the membership. 

Dynamic legal recovered/ XXXX XXXX XXXX {$15000.00} I used this company they never did anything to my credit. I canceled their services the owner got upset and said i will regret it and had this added on my credit report. They are credit repair scammers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
On XX/XX/year> my wages started being garnished due to debt I had with XXXX XXXX XXXX On XX/XX/XXXX I filed for Bankruptcy which put an automatic stay on my wage garnishment. However on XXXX separate occasions after the automatic stay was in effect my wages were garnished once on XX/XX/XXXX and again on XXXX. On XX/XX/XXXX I contacted XXXX XXXXXXXX XXXX to let them know about these garnishments and was told that they would look into it and contact me. So I waited for several months and no one contacted me. On XX/XX/XXXX I contacted the debt collection attorney that had filed for the garnishment order with the court and inquired about the money that was taken after the automatic stay was in effect and he said he would let his client know that I was requesting a return of the money. On XX/XX/XXXX I did receive a check for the money that had been garnished from my checks before I had filed for Bankruptcy since XXXX XXXX XXXXXXXX allows a debtor to receive a return of money that is garnished if you file for Bankruptcy within a specific timeframe which I had done. However even after contacting the debt collection attorney again on XX/XX/XXXX requesting a return of the money that was garnished after I filed for Bankruptcy and the automatic stay was in effect which according to Bankruptcy law was an illegal act on thier part. I have not received the money nor did I get a response from the debt collection attorney regarding this matter. I have asked for a return of this money that according to the law was garnished illegaly and therefore should have been returned to me and my request has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I have {$970.00} in my XXXX  account that I am unable to withdraw. My identity has been fully verified. I attempted to transfer funds using all available methods : bank transfer, debit card transfer, and instant transfer. All methods failed. 

After more than XXXX hours with XXXX  chat support and at least XXXX hours of phone support including escalation to a supervisor by phone, I received an email from XXXX  stating that my account is not usable and instructing me to add a different account. I do not have a different bank or card account to add, and XXXX  has not provided any alternative way to access my funds. 

XXXX  is effectively holding my money without providing a viable withdrawal method, despite identity verification and repeated attempts to resolve the issue. I am requesting that XXXX  either restore my ability to withdraw funds or issue a manual payout ( check or ACH ) for my account balance.

Company response to consumer: Closed with non-monetary relief