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: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Company : Wells Fargo Product : Credit Card Wells Fargo XXXX Visa ( ending XXXX ) In XX/XX/year>, Wells Fargo mailed me convenience checks tied to a promotional financing offer that required use by XX/XX/year>. On XX/XX/year>, I mistakenly charged approximately {$4000.00} to my Wells Fargo card instead of using the check. I contacted Wells Fargo before the promotional deadline, explicitly stating that I was not disputing the charge and requesting that the promotional rate be applied. 

Despite this, a Wells Fargo representative told me that my only recourse was to file a dispute, which I did in good faith based on their instruction. I later learned the disputes department does not handle promotional issues. Wells Fargo has now refused to apply the promotion, stating it has expired. 

Wells Fargos misdirection caused me to lose access to a promotional benefit I timely attempted to secure. I relied on their representatives instructions, which materially harmed my ability to obtain the offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a letter stating that I was declined a account that was supposed to be opened in my name from Bank of America and I never even tried to open an account for her Bank of America so somebody is scamming and it's not me it states it was from XXXX Arizona and I've never been to XXXX Arizona I live in Florida

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 — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Original Creditor : XXXX XXXX  Date you signed up with XXXX XXXX XXXX XX/XX/XXXX Date you went past due with XXXX XXXX  : XX/XX/XXXX Date the account was sent to our office : XX/XX/XXXX Balance owing : {$100.00} I do not recognize this debt and do not believe I owe any amount to XXXX XXXX The original gym with whom I had a membership ceased operations. I never signed any agreement, contract, or authorization to transfer my membership to XXXX XXXX. I have never used the services of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Feldman & Stern, LLC
State: MI

Complaint narrative:
Getting called from a XXXX XXXX from an unknown number, after ignoring calls due to the inability to identify what the call was about he then contacted family members trying to get in touch with me. When I finally spoke with him, he exclaimed he was a debt collector trying to collect on a gym membership I thought to have cancelled. 
He claims to be representing a firm by the name of Feldman and Stern, he gave an address of XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Fl XXXX. Which when searched does not result in finding an office for a Feldman and Stern, he would not give his licensing number, website information, or really any further information regarding the firm. 
The conversation we had took place on XX/XX/year> at around XXXX XXXX est, which is when he informed me that if I paid by XXXX XXXX it wouldnt negatively impact my credit score and failure to do so would result in me having to pay his attorney fees in court. When I call his direct line XXXX, XXXX XXXX answers and tells me he represents Feldman and Stern. When I call the office number XXXX, the company refuses to identify themselves and gets agitated and hangs up when asked for further details about the firm. 
On XX/XX/year> he texted me a link to make the payment to, and asked him for further information via email. He sent me an email from XXXX which did not come through as professional. He refused to take any payment in the form of a check claiming no one uses checks anymore. 
Finally I was told by this XXXX XXXX that I was sent notices about the account in question by mail and email, when searched nothing turns up from XXXX XXXX XXXX nor a Feldman and Stern debt collection agency.

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: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am submitting a complaint against Cash App ( Block , Inc. ) regarding its failure to provide a timely or substantive response to a fraudulent extortion investigation involving my account. 

On XX/XX/XXXX, I reported a fraudulent extortion incident to Cash App and was informed that an investigation had been opened. I was told I would receive a response within 10 business days, but no response was provided. 

After following up, I was again told I would hear back within 10 business days, which also passed without any substantive update, findings, or determination. 

On XX/XX/XXXX, Cash App support stated that my case would be escalated and that a manager would follow up with me via email. On XX/XX/XXXX, I received an email from a Cash App manager acknowledging the investigation and providing case number XXXX, but no status details, findings, or timeline were included. 

When I replied requesting clarification on the investigation status and next steps, I received an automated email stating that my case had been closed and instructing me to reopen a case through the app. That automated message referenced a different case number, XXXX, creating confusion as to whether the investigation was actually closed. 

Since that time, Cash App has provided no further response, clarification, or substantive update. As of today, there has been no written determination, no explanation for missed timelines, and no reliable communication channel. 

This matter involves fraudulent extortion, not a routine dispute. Cash App has exceeded its stated investigation timelines multiple times, promised escalation, acknowledged the case at the manager level, and then ceased communication without resolution. 

For reference, I have filed the following reports related to this incident : FBI / IC3 Submission ID : XXXX FTC Report Number : XXXX XXXX  Police Report Number : XXXX I am requesting CFPB assistance to obtain : 1. Written confirmation of the status and outcome of the investigation under case number XXXX XXXX. Clarification of how case number XXXX relates to this matter 3. An explanation for the repeated missed timelines 4. A clear path forward for resolution and communication

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
While vacationing in XXXX XXXX in XX/XX/year>, we took a cab ride of less than 3 miles. The cab driver refused to take XXXX 's and asked for a credit card to pay for the short cab ride. When we returned to the US, our credit card statement, from Barclay 's reflected a charge of {$3500.00}. We notified Barclay 's immediately regarding this incorrect fee charged and asked for a new card asap and asked the Barclay 's fraud department to open an investigation into this overcharged transaction. We received the new card, and asked Barclay 's to investigate the incorrect charge of {$3500.00}. Barclay 's initially credited our account the {$3500.00}, however, at the end of XXXX debited our credit card the {$3500.00}. At this time, we are asking Barclay 's fraud department to reopen the fraud case we filed for a second time. Barclay 's told us the reopened fraud case will be reviewed again, with an estimated completion date of XX/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: 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank has made it impossible for me to submit lawful written billing disputes and to preserve a written record, despite repeated attempts. 

I need to dispute dozens of transactions connected to a vehicle that became unusable after a federal safety recall repair was refused, creating cascading charges that are directly related to a single underlying failure. Discovers online dispute system is not capable of handling this volume or complexity and restricts disputes to fragmented, single-transaction entries with limited character space, making accurate submission impossible.

Discover has : Refused to provide meaningful human support through its online systems, Repeatedly pushed me to resolve disputes by phone only, which eliminates a written record, Failed to provide a clear, written dispute procedure by mail despite request, Failed or refused to clearly identify a legal service-of-process or dispute address suitable for formal written disputes, Offered no reasonable alternative method to submit consolidated, written disputes with documentation.

Because of these barriers, Discover has effectively obstructed my ability to exercise my rights under the Fair Credit Billing Act and related consumer-protection laws. The insistence on phone-only resolution, combined with inadequate online tools and the absence of written procedures, prevents accurate dispute submission and creates an evidentiary disadvantage for the consumer.

This is not a technical inconvenience. It is a structural refusal to accept disputes in a lawful, documented manner.

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: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
For the XXXX time : My debit card and your app DO NOT HAVE MY MIDDLE INITIAL. ALL OF THIS IS OVER XXXX XXXX LETTER : A. 

AGAIN : I have the OnePay Cash XXXX card. It shows my middle initial, XXXX. The debit card does, neither does the app and I have asked XXXX times to update both : debit card and app. 

Stupidly OnePay keeps repeating the credit card is from Synchrony, the debit card is from them and they are sending an email to verify, which I then never get. The " supervisor '' I insisted on then said to send XXXX an email to XXXX and XXXX minutes later she claimed she still hadn't received it. 

This is NOT rocket science ; PLEASE UPDATE MY NAME WITH THE XXXX XXXX LETTER XXXX AS MY MIDDLE INITIAL AND YOUR APP - THAT's ALL!!! AND NO STOP ASKING TO COLLECT MORE EMAIL ADDRESSES FOR ME AFTER XXXX XXXX XXXX THESE TWO MOST BASIC 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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
An auto account reported by Bridgecrest Credit Company, with an approximate reported balance of {$16000.00} and an opening date of XX/XX/XXXX, is the result of identity theft and unauthorized use of my personal information. 

On XX/XX/XXXX, I filed a police report with local law enforcement confirming unauthorized access to my personal and financial information and fraudulent activity related to this auto account. After obtaining the police report, I submitted written disputes to XXXX XXXX XXXX XXXX requesting that the account be blocked and deleted pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( Section 605B ). 

Along with my dispute, I provided a copy of the police report, proof of identity, and proof of address as required by law. Despite complying with all statutory requirements, the account continues to be reported on my credit reports. 

In addition, the account is reported inconsistently across consumer reporting agencies. One bureau reports the account as a repossession, while others report it as a charge-off only, with differing payment histories, delinquency dates, and status codes. These inconsistencies indicate that the information is inaccurate and not verifiable. 

Under the Fair Credit Reporting Act, consumer reporting agencies are required to block identity-theft-related information within four business days of receiving a valid police report and supporting documentation. That has not occurred in this case. 

I am seeking enforcement of the Fair Credit Reporting Act, immediate blocking and permanent deletion of this identity-theft-related account, and written confirmation that the information has been removed and will not be reinserted without lawful certification.

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: Other features, terms, or problems — Privacy issues
Company: Bilt Technologies, Inc.
State: NJ

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX XXXX XXXXXXXX for its negligent handling of the XX/XX/XXXX data breach and its subsequent refusal to provide fair remediation. 

1. Failure to Notify & Misleading Communication : XXXX admits in writing ( Correspondence dated XX/XX/XXXX ) that I was specifically " impacted '' by the data breach. However, they failed to provide me with direct notice and instead relied on " substitute notice '' ( a website post ). This is negligent because XXXX 's partner, XXXX, possessed my valid email address. Worse, XXXX sent me an email on XX/XX/XXXX, explicitly stating there was " no definitive proof '' my data was impacted. This misleading communication discouraged me from checking for " substitute notices '' or enrolling in protection services. 

2. Financial Injury : Because XXXX  failed to notify me directlyand their partner actively downplayed the XXXX missed the deadline to enroll in the free XXXX credit monitoring service XXXX offered to others. Consequently, I was forced to purchase my own credit monitoring ( {$350.00} cost ) and missed the window to join the class action settlement ( valued at ~ {$3000.00} ). 

3. Unresponsive & Unprofessional Conduct : I filed a complaint via the Arkansas State Bank Department. Evolves response was factually inconsistent, admitting I was " impacted '' while refusing to offer the remedy given to other victims. Their official legal response contained unprofessional errors ( referring to the breach as a " data breach '' twice and listing incorrect phone numbers for their own bank ), signaling a lack of compliance controls. 

I rebutted their response via email, pointing out these contradictions, but the bank has not responded. I am requesting full restitution of {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
I received a notificacion that I had withdrawl {$60.00} dollars from the ATM at a XX/XX/year> location, in which cash app charged {$2.00} for withdrawl fees at around XXXX, I was at home and there was no way I had done that withdrawl, I started a dispute with Cash app and they started to review and after a couple of days denied my disputed, I started an appeal wich I can only file one time, and after a while they denied my appeal, I asked them in the appeal to review their ATM CAMERAS AND XX/XX/year> CAMERAS TO SEE WHO IT WAS, BECAUSE IT WAS NOT ME MAKING THE WITHDRAWL OF TO ATLEAST TELL ME WHERE THE LOCATION WAS SO I COULD GO MYSELF AND SEE IF I COULD ASK THEM TO SEE THE CAMERAS TOO, BUT I ONLY GOT A DENIED APPEAL, I KNOW IT WAS {$62.00} ONLY BUT IT MY MONEY SOMEONE ELSE GOT, NOW I AM SHORT THAT MONEY AND CASH APP WONT EVEN WORK WITH ME!

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 — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2026, I deposited XXXX money orders into my USAA checking account via mobile deposit : XXXX for {$500.00} and XXXX for {$200.00}. Both money orders were legitimate, issued by reputable institutions, and deposited at the same time under identical circumstances. 

The {$500.00} deposit was made available immediately. The {$200.00} deposit, however, was placed on hold until XX/XX/2026. 

I contacted USAA multiple times to request review of the hold, explaining that the funds were urgently needed for medical expenses for my mother and to pay a bill that was due on XX/XX/XXXX. Despite escalation to a banking supervisor, I was informed that the hold could not be lifted and that no temporary accommodation was available. 

USAA later stated that the hold was applied due to prior negative balances within the last XXXX days. This explanation is troubling, as it appears to penalize consumers experiencing financial hardship by restricting access to legitimately deposited funds, even when similar deposits are made available immediately. 

USAA also cited the fact that the deposit was made via mobile deposit, despite the institution not offering cash-deposit ATMs, leaving members with limited alternatives. 

As a direct result of this hold, I missed an auto loan payment, causing financial harm. While no USAA fees applied, the real-world consequences of this delay were significant. 

A formal complaint has been submitted internally with USAA, and I have been provided a claim/reference number.

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 — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/year> a garnishment was sent to my account with USAA. They took my XXXX XXXXXXXX check of {$1400.00} which is protected under 38 U.S.C 5301 ( a ). I called USAA multiple times and they did assured me that everything they did was legal. They were provided a document from the state of Washington which had the law 31 C.F.R 212 and it also states they are protected under part 212. My account is now overdrawn and I almost became homeless due to them not knowing the law.

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: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I've been getting absolutely no where using the Venmo app for at least a week now. I am not able to use, transfer, send any of MY CASH or of my account and I've called countless times and they will not help at all. They say my card and account is fine yet it's not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Theyre denying my access to loans and continue to drag a situation that has been approved by XXXX XXXX XX/XX/year> for tpd discharge reversal Im currently in school and Im going into more debt trying to get a better future as a XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I voluntarily gave my car XXXX XXXX XXXX XXXX back to GM Financial in XXXX of XXXX with my license plates still on the car. I noticed on my XXXX account that I had a suspension due to a lapse in insurance for 180 days from XXXX XXXX ( I didn't possess this vehicle anymore ). GM Financial did not send my plates back until XXXX. I called GM Financial today XX/XX/XXXX to see if they could resend this letter so that I can provide the XXXX with the correct information. The representative confirmed that a letter with this information was sent to me XX/XX/XXXX as they saw this on my account and that they can not " legally '' provide me with a copy of this letter, nor can they send me another letter. I believe this is false as I should be entitled to my account history as the account owner. Also, this has negatively impacted my driver 's license due to an error an error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, I made a payment of {$370.00} to a third-party collector authorized by Affirm , Inc . I received written confirmation from the collector stating that this payment resolves my balance with Affirm , Inc. and that no further attempts would be made to collect on the account, provided the payment was not returned unpaid.

After making the payment, I spoke with two representatives from Affirm who demanded additional payment, denied the validity of the settlement, and stated that the balance remains owed. They also claimed that the payment had been transferred back to them. I have recordings of these calls, and I informed the representatives that the calls were being recorded. 

The original payment cleared successfully and has not been returned unpaid. Despite this, Affirm refuses to recognize the settlement and continues to assert that I owe the balance, which is inconsistent with the written confirmation I received. 

I have requested written confirmation from Affirm that the account is fully settled with a {$0.00} balance and that no further collection attempts will be made. Affirm has not provided this information and continues to demand payment.

This situation has caused unnecessary stress and creates the risk of incorrect credit reporting, as the account may be inaccurately reported as unpaid or active.

I am requesting that Affirm honor the settlement, provide written confirmation that the account balance is {$0.00}, and cease all collection activity immediately.

Company response to consumer: Closed with explanation