vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GREENSKY OPERATIONS, LLC
State: AR

Complaint narrative:
I am filing this complaint as a continuation of a prior CFPB complaint against Greensky LLC. In their response to my previous complaint, Greensky stated they were unable to reach me to gather further information. This is inaccurate and constitutes a misrepresentation to the CFPB. I work nights and sleep during Greenskys operating hours. I have made repeated requests over the course of this multi-year dispute for Greensky to contact me by email rather than phone. Greensky has my email address and has demonstrated the ability to use it they have emailed me previously to notify me that payments were resuming after a prior complaint they unilaterally considered resolved, and they emailed me most recently in response to a separate complaint filed with the XXXX Attorney Generals office. For this specific CFPB complaint, they made phone-only contact attempts during hours they know I am unavailable, then reported to the CFPB that communication had failed. This is not a good-faith effort to resolve my complaint. The underlying issues remain unresolved. I purchased a water softening system through a seller, XXXX XXXX Treatment of XXXX, XXXX, whose financing was arranged exclusively through Greensky. I was not informed a third-party lender would be involved and was given no alternative financing options. Under the FTC Holder Rule, when a seller arranges financing as part of a sale, the lender shares liability for the sellers misrepresentations. Greensky is not a neutral third party in this transaction. The sale involved deceptive and high-pressure in-home sales tactics, promises of specific products and benefits that were never delivered, and misrepresentation of the financing arrangement. The system has not performed as represented. When I have attempted to address these issues, both the seller and Greensky have been largely unresponsive or have redirected responsibility to the other party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX i transferred {$700.00} to a chime user account XXXX XXXX to purchase goods. After money was successfully sent, seller then blocked me from XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I done work for a friend 's and they signed over checks to me for payment a cashiers and a business check first and foremost they didn't follow their own rules ( discriminated ) from the beginning everything in the funds availability document was the total opposite for me And the whole XXXX days past.no return no fraud no nothing so they slap a year hold on my deposit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a checking account with Chase on XX/XX/XXXX and deposited XXXX in one check but soon after that I started encountering various hacking attempts of the email, phone i used with my account so I closed my online access and removed my debit allowing only my email to receive statements and alerts. On XX/XX/XXXX I tried to move my money to a savings account in CapitalOne to earn interest but after I initiated XXXX ACH I was blocked from initiating another XXXX in ACH from my end so I contacted the other bank to initiate it but the agent said that they were also blocked and they couldn't find a reason and only tech team can fix it, Since the other bank was not able to provide a in person assistance as they lack physical locations I put a stop payment on the ACH based on the advice of that agent so that I can close my account. Later on XXXX I noticed that the email with statement balance and alert I set for balance amount didn't come through so I contacted the bank but instead of addressing the issue the agent kept forcing me to reopen my online account access which i closed to secure my account and i was circled around for a while and was disconnected soon after the agent got all my security questions answered over the phone when i questioned their motives to force me to reopen online account when the 3rd agent started insisting the same. So then I contacted the bank once again and reported the issue and i was kept on the phone for over 50 minutes during which my icloud account was hacked. Later I started seeing email alerts since this morning ( on XX/XX/year> ) with no explanation or followup from the bank which is highly concerning provided with the amount of money i have in my account. i also see a pattern of blocking me from moving my money from chase account for the past 2 months no matter what bank I am dealing with. After opening an account with XXXX XXXX I was never able to access my online account or update my information and finally I was blocked from transferring money. Recently XXXX bank started encouraging me to keep my account with Chase when i tried to open an account and my application was also denied with no proper information with them so it appears like social engineering is being implemented to hack into my accounts and eventually get access to my money, I am being engaged in protecting my money on a regular basis despite i have that huge amount deposited in a checking account with no interest from the bank so I request you to interfere and help me protect my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — VA 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: American Financial Resources, Inc.
State: TX

Complaint narrative:
This complaint is filed against American Financial Resources, LLC d/b/a eLEND ( AFR ). In your XX/XX/year> response to a prior CFPB complaint, you admitted that approximately {$72000.00} in remaining construction escrow funds were transferred with the loan when servicing rights moved to subsequent servicers. Pursuant to RESPA ( 12 U.S.C. 2605 ) and Regulation X ( 1024.17 and 1024.36 ), I formally demand the complete escrow ledger for this loan from inception through the date servicing was transferred to XXXX. This request is strictly limited to the full escrow accounting ledger and does not seek any confidential, proprietary, or privileged information. I am requesting only the legally required full escrow accounting records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App denied these disputes with generic responses claiming the transactions were fraudulent or false. This is incorrect. These were authorized deposits for virtual credits/coins. I contacted XXXX support, explained my confusion about the purchase, and requested refunds. They refused. My accounts were later locked, preventing me from accessing or using the purchased services. After the denials, I formally requested ( under Regulation E ) copies of any merchant responses or documents Cash App relied on. They have refused to provide any evidence or confirmation of contact with XXXX. Strong Supporting Evidence : I have already received full refunds for the exact same XXXX transactions on my XXXX debit card ( attached resolution notice showing {$570.00} credited on XX/XX/scrub>XXXX ). XXXX did not defend those disputes and issued full refunds for all of them in my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
At XXXX this morning ( XXXX XXXX XXXX ), I received two emails from CashApp saying that they changed my display name from my preferred name to my legal name. As a transgender person, that puts me in a very dangerous position. I opened my app and tried a variety of times to find a way to enter a preferred name, and found none. I tried to change my name on my profile, and was met with a message saying I was only allowed to change my name three times, and having exceeded that number, I would have to have my name legally changed. As this is a difficult and expensive venture, I haven't been able to, yet, and I have only changed my name on CashApp once. The other two times were this morning, by CashApp, to my legal name. I finally contacted support at XXXX, and was sent through a looping tunnel of being told to just use the Preferred Name field, which just wasn't there for me. After telling the support bot several times that I didn't have the option, I was told that I was being transferred to a team member. However, " XXXX '' answered all of my questions in the same, repetitive tone. Finally, despite the fact that I would have to delete my account due to safety concerns, and the fact that my name was changed without my permission by the company itself, I was told that I had changed my name too many times, and that they couldn't do anything for me. As such, I'm being forced off of the platform, since using it would immediately out me as transgender, putting me in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, GM Financial, or its authorized repossession/towing agent, wrongfully towed a white XXXX XXXX XXXX ( VIN : XXXX ) belonging to XXXX XXXX XXXX XXXX XXXX private gated property located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX The vehicle had been fully paid off since XXXX and had no outstanding balance, liens, or legal basis for repossession. I personally witnessed the incident. The towing company unlawfully broke through a locked gate to gain unauthorized access to the private property in order to seize the vehicle. This trespass and property damage occurred despite there being no lawful justification to repossess the vehicle. As of XX/XX/XXXX, more than XXXX months later, the vehicle has still not been returned. GM Financial has made no meaningful effort to resolve the matter, return the vehicle, compensate XXXX XXXX for the wrongful towing, repair the damaged property, or address the losses caused by their actions. As a direct result of this incident, XXXX XXXX has been without reliable transportation since XX/XX/XXXX. She has been forced to rely on XXXXpublic transit services to attend critical medical appointments related to her disabilities. In addition, several important personal items were taken with the vehicle and have not been recovered, including : - Military identification badge - Military CAC card - Prescription XXXX medication The disappearance of XXXX XXXX military CAC card and military identification raises serious security concerns due to the sensitive nature of federally issued military credentials and the potential risk of misuse or unauthorized access associated with their loss. The loss of transportation and personal property has caused severe hardship, financial strain, emotional distress, and medical difficulties. XXXX XXXX also operates XXXX XXXX, a respected local non-profit animal rescue organization, and is a well-known and valued member of the XXXX community XXXX Numerous community members have expressed outrage and concern regarding how this matter has been handled. I respectfully request that the Consumer Financial Protection Bureau require GM Financial to : - Immediately return the vehicle, or provide full compensation for its fair market value - Reimburse all towing, storage, and related fees - Pay for repairs to the damaged gate and property - Compensate XXXX XXXX for the stolen personal items - Compensate XXXX XXXX for medical, transportation, financial, and emotional damages caused by the wrongful towing and continued deprivation of the vehicle GM Financials failure to correct this situation despite repeated opportunities to do so is unacceptable and has caused ongoing harm to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
Failure to investigate unauthorized third-party access under Electronic Fund Transfer Act ( EFTA ) / Regulation E and the Fair Credit Reporting Act ( FCRA ) following submission of official identity theft documentation. What Happened : I am a XXXX consumer and a victim of XXXX and XXXX XXXX. My personal financial accounts, specifically my PayPal account, were accessed by a third party without my authorization. This individual maliciously executed a series of unauthorized chargebacks and reversals on transactions I did not initiate or control. Upon discovering this account takeover, I took the appropriate legal steps and secured an official Law Enforcement Identity Theft Report / Affidavit. I formally submitted this identity theft documentation to PayPal as proof of unauthorized third-party fraud. Instead of conducting the required manual investigation under Federal Regulation E ( 1005.6 ) and the FCRA, PayPal 's automated systems immediately banned my account and locked me out of my funds. When attempting to reach out to PayPal customer support to resolve this and provide my law enforcement documents, I was met entirely with a broken, repetitive automated chatbot loop. The automated assistant refused to route me to a human investigator, refused to review my identity theft affidavit, and repeatedly stated it could only help with standard account questionseffectively stonewalling a documented identity theft victim. ( See attached screenshots of the chat logs showing the system glitching and refusing assistance ). Desired Resolution : I request that PayPal 's executive compliance team manually review my attached Identity Theft Affidavit and the provided screenshots of their automated non-compliance. I demand a full manual investigation into the unauthorized third-party access, removal of the fraudulent restrictions on my identity, and the immediate reinstatement of my account privileges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate, incomplete, and potentially unverifiable charge-off and collection reporting appearing on my credit reports maintained by XXXX , XXXX, and XXXX in violation of the Fair Credit Reporting Act ( 15 U.S.C. 607 ( b ) and 611 ) requiring maximum possible accuracy and a reasonable reinvestigation of disputed information. The following accounts are being reported as charge-offs with balances and delinquency histories that I dispute due to concerns regarding accuracy, completeness, and proper validation of payment history and account status : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$1300.00}, last payment XX/XX/XXXX, XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$4700.00}, last payment XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$9000.00}, last payment XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$3000.00}, last payment XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$1800.00}, last payment XX/XX/XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$3500.00}, last payment XX/XX/XXXX ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$420.00}, last payment XX/XX/XXXX ). Additionally, the collection account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$2300.00} ) is disputed due to concerns regarding ownership verification, completeness of account history, and accuracy of the reported balance. The continued reporting of these items suggests potential inconsistencies or insufficient verification by furnishers and credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate, incomplete, and potentially unverifiable charge-off and collection reporting appearing on my credit reports maintained by XXXX , XXXX, and XXXX in violation of the Fair Credit Reporting Act ( 15 U.S.C. 607 ( b ) and 611 ) requiring maximum possible accuracy and a reasonable reinvestigation of disputed information. The following accounts are being reported as charge-offs with balances and delinquency histories that I dispute due to concerns regarding accuracy, completeness, and proper validation of payment history and account status : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$1300.00}, last payment XX/XX/XXXX, XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$4700.00}, last payment XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$9000.00}, last payment XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$3000.00}, last payment XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$1800.00}, last payment XX/XX/XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$3500.00}, last payment XX/XX/XXXX ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$420.00}, last payment XX/XX/XXXX ). Additionally, the collection account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$2300.00} ) is disputed due to concerns regarding ownership verification, completeness of account history, and accuracy of the reported balance. The continued reporting of these items suggests potential inconsistencies or insufficient verification by furnishers and credit reporting agencies.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) for failing to issue provisional credit as required under Regulation E. Disputes Filed : XX/XX/year> ( including transactions from XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). What Happened : It has now been more than 10 business days since I filed these disputes. Cash App has refused to issue provisional credit despite multiple requests ( see attached chat screenshots where they explicitly declined to provide it ). All of these disputes were denied with generic responses along with no evidence as requested. Under Regulation E 1005.11, when a financial institution can not complete its investigation within 10 business days, it must issue provisional credit for the disputed amount while the investigation continues. Cash App has failed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Around XX/XX/2026, I was making a payment to my One Pay XXXX store credit card only to find out that my credit limit has been reduced to what I owe on the credit card. I believe this reduction was illegal and unlawful because I felt I have been cheated, misled, and misinformed. I contacted the Synchrony Bank behind the card to reinstate my credit limit back to {$5000.00} and they rejected me. I want other creditors to be aware of this malpractices.

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 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Experian , XXXX, and XXXX RE : FORMAL DISPUTE OF PERSONAL INFORMATION AND UNAUTHORIZED INQUIRIES To Whom It May Concern : I am formally disputing inaccurate personal information and unauthorized inquiries appearing on my consumer credit reports. First, my personal identifying information is incorrect. I request the immediate removal of any incorrect names, aliases, misspellings, outdated addresses, or inaccurate personal information that does not belong to me. Only my current and correct personal information should remain on file. Additionally, I dispute several inquiries listed on my credit report that I never authorized. I never applied for credit with these companies, never signed any agreement, and never gave permissible purpose for these inquiries to access my consumer report. Under the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681b ( Permissible Purpose ) 15 U.S.C. 1681i ( Reinvestigation Requirement ) 15 U.S.C. 1681e ( b ) ( Maximum Possible Accuracy ) I demand that all unauthorized inquiries and inaccurate personal information be removed immediately. Please conduct a full reinvestigation and provide written confirmation once these items have been deleted and corrected. Sincerely, XXXX XXXX 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 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: TN

Complaint narrative:
I streamed a loan for {$88000.00} and they charge and origination fee of {$2600.00}. The loan amount changed and I lowered it to {$60000.00}. They didnt adjust the fee. They advertise rates of 7.49 % as me prequalifying and the fee was much lower. The actual rate is. 15 % and the fee never adjusted or went down when I lowered the amount I borrowed. They asked that I pay creditors off and we came out with a list totaling {$40000.00}. The loan closed and funded XXXX weeks ago but they still havent paid off my creditors. I am paying them and the creditors XXXX. I emailed and called requesting someone call me back. They dont. The even turned off their XXXX reviews showing the company closed. They are unscrupulous and practice unfair lending without fully disclosing why rates and fees change. I am still waiting on {$40000.00} I am paying interest on hut have not received.

Company response to consumer: Closed with explanation