vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding my banks denial of my fraud claim involving XXXX transactions totaling {$3100.00}. I was the victim of a scam in which an individual misrepresented himself as a legitimate private vehicle seller on XXXX. Based on those false representations, I sent funds through XXXX for the purchase and delivery of a vehicle that was never delivered. After receiving payment, the individual failed to provide the vehicle as promised and did not return my money. As soon as I realized I had been defrauded, I promptly notified the bank and filed a claim. My claim was denied. I am disputing that denial because these transactions were induced through fraud and deception. While I technically initiated the transfers, I did so based on material misrepresentations made by a scammer. This was not a legitimate transaction, nor was it an ordinary purchase dispute. I have taken additional steps to document this crime, including filing a police report, as well as complaints with the FTC and IC3. I can provide supporting documentation, communications, screenshots, and the police report upon request. I am requesting that the bank reopen and fully review my claim, including : 1. All fraud indicators connected to the receiving account. 2. Any prior complaints or suspicious activity associated with that recipient. 3. Whether proper scam/fraud investigation procedures were followed before denying my claim. 4. Any protections, reimbursement options, or recovery efforts available under the banks policies and applicable law. I am seeking reimbursement of the {$3100.00} lost through this scam. I acted quickly, reported the fraud promptly, and have cooperated fully. I respectfully request a fair and thorough reconsideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On approximately XX/XX/XXXX I reported to XXXX XXXX that seven cash transfers between XX/XX/XXXX and XX/XX/XXXX totaling {$1000.00} were made via PayPal and that these transfers were totally unauthorize by me and there were four or five {$20.00} transactions made from the unauthorized funds transferred from my Checking Account within the PayPal Account. When I checked my PayPal account there was a balance of {$900.00} cash assets and I transferred these funds back to my Checking Account after that transfer I followed XXXX XXXX XXXX recommendations to close this account and open a new account and to change my username and password. However, the {$900.00} transfer took two days to post and when it posted on XX/XX/XXXX PayPal captured the new checking account number so XXXX XXXX again recommended that I close the account and open a second new account to prevent unauthorized transactions from PayPal and I followed XXXX XXXXXXXX XXXX recommendations. I filed a dispute complaint with PayPal reporting that I had never authorized the seven transfers, and I had never authorized any purchase transactions with PayPal. PayPal said they did find in my favor regarding the three purchased to XXXX, but they are claiming that my account a negative balance of {$900.00}. I have made no transactions with PayPal other than transferring the {$900.00} balance in the PayPal account back to the XXXX XXXX account that they were misappropriated between XX/XX/XXXX and XX/XX/XXXX. There was a transfer from PayPal to XXXX XXXX on XX/XX/XXXX for {$51.00} and again this transaction was completely unauthorized! In summarization I have only initiated one transaction with PayPal and that was the the transfer of {$900.00} on XX/XX/XXXX to prohibit any other unauthorized transactions from the PayPal account and to get as much of the unauthorized funds withdrawn from my XXXX XXXX account between XX/XX/XXXX and XX/XX/XXXX. I have no idea how PayPal has reached the conclusion that my account has a negative balance of {$900.00} and I am asking the CFPB to resolve and correct PayPal to report that I have a {$0.00} balance so that I can close this PayPal Account to prevent any further fraudulent activity from PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Theyre asking me to pay over XXXX and i just dont have that right now and theyve been trying. to contact me over and over i had an issue with a partner so the apartment lease had to be turned in it wasnt ever my fault but here i am facing the consequences of it i dont deserve this i just want this out of my name the company name is genesis and this had happened back in XXXX around XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I had a guy named XXXX, who found us from XXXX XXXX XXXX XXXX XXXX. I had ordered a XXXX XXXX back in XXXX and paid extra to have it assembled. After several times of having to reschedule for one reason or another we really needed to get our XXXX up. He called the day before to say that there were not enough people to do it through XXXX, but that he could do it himself. He said that he had done it several times. He also said that he would do it for {$500.00}. We canceled through XXXX and he came out the next day. He put the XXXX up. When it came time to pay him through Cash App, he kept trying to put his information in and it kept declining it, and we tried this several times. He decided to try another persons account, Im not sure who that was that he had access to, in the meantime, I wrote him a check. The cash app went through and he reimbursed me after they took fees {$490.00}. But unfortunately, after he had already cashed the check and left, for some reason, the money went through again on the cash app. Therefore he was paid twice, {$1000.00}. He was not responding to my text or phone calls until a week later. He was very nice. I told him what happened and that he needed to please refund my money. That was five days ago and I have yet to get anything, and he will not respond to my text or my phone calls. I have documentation showing that the check was cashed and also that that extra was taken out of the cash app account. Can you please help me get my {$500.00} back?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a direct dispute to CarMax Auto Finance ( confirmed received via certified mail ) disputing the accuracy of the balance being reported on my auto loan account. The vehicle securing the loan was declared a total loss, and insurance proceeds sufficient to satisfy the loan payoff were tendered. However, the lender delayed accepting or processing the insurance payment for several months. During that period, the account appears to have accrued interest, fees, and penalties despite the fact that the insurance proceeds necessary to satisfy the obligation had already been made available. I specifically requested documentation substantiating the reported balance, including the payoff amount as of the date the insurance proceeds were first tendered, the date those funds were applied, a complete transaction history, and the contractual basis for charges assessed after the insurance payoff was available. On XX/XX/year>, I sent a follow-up direct dispute again requesting substantiation. I also submitted disputes through XXXX, and the account was verified without supporting documentation being provided. The only response I received from CarMax Auto Finance was a generic email stating they had previously responded to a debt validation request and offering to resend documents. This response did not address my dispute regarding the accuracy of the balance. When I attempted to reply, the message was returned as undeliverable, preventing meaningful communication. To date, CarMax Auto Finance has not provided documentation substantiating the calculation of the reported balance or explained the charges assessed after insurance proceeds were tendered. I believe the balance being reported is inaccurate and misleading because it includes fees and interest that accrued due to the lenders delay in accepting the insurance payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: LA

Complaint narrative:
Missing refund money, savings accounts funds, and more digital assets!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: Klarna AB
State: IA

Complaint narrative:
I am filing a complaint against Klarna regarding missing refunds for returned merchandise and incorrect application of refunds. On XX/XX/XXXX, I made XXXX purchases using a Klarna single-use card ( ending in XXXX via XXXX XXXX ) : Order XXXX {$320.00} Order XXXX {$320.00} Total disputed amount : {$650.00} Both orders were returned in full to the retailer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the store issued refunds back to the same Klarna card XXXX XX/XX/XXXX. Despite this, Klarna has failed to apply the refunds to my account. I have been attempting to communicate with Klarna regarding this issue since XX/XX/XXXX, and have not received any resolution. When I contacted Klarna : - Initially, they stated they could not locate the refunds. - Later, they incorrectly claimed that XXXX of the refunds was applied to an unrelated order ( XXXX order XXXX for {$290.00} ). - They have also repeatedly stated that the refund funds were sent to my personal account. This is incorrect. The card ending in XXXX is a Klarna single-use card issued through XXXX XXXX, not my personal bank card. This is clearly shown on the refund receipts. Therefore, refunds should have been returned to Klarna and applied to my Klarna account, not to any personal account. To further demonstrate this, I am attaching my bank statement, which confirms that I did not receive any of these refund funds in my personal account as Klarna has claimed. I returned XXXX orders separately and received refunds as follows : - {$290.00} on XX/XX/XXXX ( order XXXX ) - {$130.00} on XX/XX/XXXX ( order XXXX ) Total XXXX XXXXefunds : {$420.00} At this point : - Both XXXX XXXX XXXX XXXX XXXXefunds ( processed XX/XX/XXXX ) totaling {$650.00} are missing - Klarna has provided inconsistent, conflicting, and inaccurate information regarding refund application - Klarna appears to have misapplied or failed to process refunds correctly - I have proof of all returns and refunds from the respective merchants This demonstrates a broader issue with Klarnas handling of refund transactions and failure to properly investigate customer disputes. I am requesting : XXXX. Immediate refund/application of both XXXX XXXX XXXX XXXX orders totaling {$650.00} XXXX. Verification that XXXX refunds totaling {$420.00} have been correctly applied and not misallocated XXXX. Written confirmation that no outstanding balances remain for these returned purchases Klarnas failure to properly process and track these refunds, along with providing incorrect information, has resulted in financial harm and unnecessary stress. I am attaching documentation supporting all returns and refunds, including my bank statement for verification. I request prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: NC

Complaint narrative:
I am writing to dispute accounts appearing on my credit report that I do not recognize and did not authorize. My personal information was compromised during the XXXX data breach, and I believe these accounts XXXX be the result of identity theft or unauthorized use of my identity. I have no knowledge of these accounts and did not open or benefit from them in any way. These accounts are negatively impacting my credit and do not reflect my financial activity. Under the Fair Credit Reporting Act, I am requesting a full investigation into these accounts. Please provide documentation verifying that I authorized these accounts, including any signed agreements. If you are unable to verify that these accounts belong to me, I request that they be permanently removed from my credit report. I am willing to provide additional documentation, including an identity theft report, if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
Santander Bank. Ordered a new debit card because mine was expiring. They told me my current card would be unaffected that turned out to be not true. its been XXXX days since I ordered my replacement card. ( XX/XX/XXXX, today is XX/XX/XXXX ). I have still not received it. The first person told me it would be another XXXX days if they were to order me a new one. The second person told me that they could overnight it for {$30.00}. When I spoke to their supervisor, XXXX, she told me that because this isnt a bank error they can not overnight it. The way I see it, it is XXXX % a bank error. They told me my debit card would be unaffected. It has been declined in multiple places since the moment I ordered a new XXXX XXXX days ago. They told me they sent me a new card and it would be here in XXXX XXXX XXXX days. That was XXXX days ago. XXXX told me they couldnt overnight me a new card. All of this seems more and more like a bank error the more details I give. It could have all been avoided if they had simply overnighted me a new card after they failed to deliver the replacement that should have been here a week ago.

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 2026-04-22 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: AL

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 2026-04-22 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
b'I am filing a formal complaint regarding Comenity Banks refusal to properly investigate and resolve a chargeback for a damaged item purchased through XXXX XXXX from third-party seller XXXX-XXXX.\n\nThe item arrived already damaged upon delivery. I attempted to return it in-store at XXXX within the return window; however, the return was denied due to the item being damaged. Despite this, the damage occurred prior to my possession, making this a seller fulfillment issue and not customer-caused damage.\n\nI opened a dispute in XXXX 2026 for the amount of XXXXXXXX. Since then, Comenity has failed to properly investigate the facts of my case or meaningfully address the evidence that the item was received damaged. Instead, I received a letter dated XXXX XXXX, 2026 stating that for theft of merchandise contact local authorities, which is unrelated to my claim, as this dispute does not involve theft or a stolen package. This response indicates my case was not properly reviewed or understood.\n\nAdditionally, Comenity Bank has refused to provide provisional credit during the investigation, despite their stated policy:\nComenity Bank provides temporary (provisional) credit while investigating a disputed transaction. During the investigation, you usually wont be charged interest or fees on the contested amount. If the final decision is in your favor, the credit becomes permanent; if not, the credit is reversed.\n\nThey are not following this policy in my case, and I am being held responsible for the disputed amount while the investigation remains unresolved.\n\nI was also informed I would need to restart another XXXX-day dispute period, further delaying resolution of a valid claim that has already been pending since XXXX 2026.\n\XXXX policy excludes damaged items from return in-store, which is exactly what occurred here; however, this does not remove liability when the item was delivered in a damaged condition.\n\nI am requesting:\n\n1. A full refund of XXXX\XXXX. A proper investigation based on delivery condition, not in-store return eligibility\n3. Immediate issuance of provisional credit in accordance with Comenity Banks stated policy\n4. Correction of the inaccurate handling of my dispute\n\nAccount/Order/Tracking number:\XXXX XXXX XXXX XXXX (XXXX XXXX card used for purchase)\n\nMoney paid to business:\XXXXn\nDesired settlement:\nRefund'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I switched my home insurance from XXXX to XXXX Insurance and the new policy went into affect on XXXX/2026. My new insurance agent sent information and an invoice to my mortgage holder, Huntington Bank on XXXX2026. I also sent a copy of the invoice to Huntington Bank on XXXX XXXX, 2026, when I called to ask them whether they had cancelled the XXXX insurance and they were unsure when payment would be made, even though she said she saw the XXXX insurance documentation there. I called them again and was provided with tracking number XXXX for XXXX. That package did not move and just said delayed. I called XXXX again on XX/XX/XXXX to let them know the package was not moving. They assured me my payment would still arrive to the insurance company on time. On XX/XX/XXXX it still had not arrived, so I sent an email to XXXX asking them to fix it - because I was going to incur a late payment soon because the payment had still not arrived. No one bothered to answer my email. On XX/XX/XXXX my insurance agent informed me that they STILL had not received payment and a late fee would incur on XX/XX/XXXX. I called XXXX again and they said it was on the way. I asked her to look at the tracking number because it was not moving. Finally she agreed to overnight a new payment and assured me that I would have a tracking number in my email inbox on the morning of XX/XX/XXXX. I did not get that tracking number and after work I called again and was given a tracking number, which has been simply a label created and not been taken to XXXX to ship yet. Now I will incur a LATE FEE on my insurance, which I can not afford, and face the possibility of having my home insurance cancelled. This is not the first issue I have had with this bank and my insurance. I have never once been late on my mortgage and actually pay extra every month. But they have been nothing but problematic throughout the entire mortgage and I'm not sure how they think it's okay to treat customers like this. This needs to be corrected and THEY should have to pay any late fees- they've had XXXX WEEKS to make a simply payment out of MY ESCROW ACCOUNT and this needs to be corrected as soon as possible. I have spent lots of my free time on the phone during my works busiest season trying to get this taken care of and it still has not been taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I paid off my auto loan in full. The lien has been released, but XXXXissan Motor Acceptance Company submitted the electronic lien release to the wrong state, Virginia. My vehicle is currently registered in California. Because the lien release was sent only to Virginia XXXX, California XXXX can not issue a California title. XXXX has confirmed in writing that the electronic lien release was sent only to the Virginia XXXX and has stated that they will not provide a lien release confirmation letter or correct the lien release for California. Virginia XXXX has no authority over a California-registered vehicle, and this is a lender-side error. As a result, I am unable to obtain my vehicle title, despite the loan being fully paid. I am requesting that Nissan Motor Acceptance Company properly correct the lien release so that California XXXX can issue a clear title.

Company response to consumer: Closed with explanation