vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
XXXX : called and was hung up on no one was willing to give me ach number. Called the IRS and chime still had not sent the refund back to them. XXXX called to find out why my irs deposit was rejected chime told me that it was because my husband name was on it and it had already been sent back to the irs. Even though my name was on it they were requesting that we tell the irs needed to list my name first.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: HoldCo LLC
State: SC

Complaint narrative:
I was at the XXXX XXXX in XXXX XXXX SC XXXX trying to deposit money for my rent on my XXXX card which has a bitcoin wallet and I saw a Machine with Bitcoin deposit logo on it. It requested that I receive with a QR code from XXXX which I scanned on their machine. The total amount I deposited was {$2900.00} meant for my rent and the machine displayed I would be paying {$3.00} fee for the transaction. When the money subsequently dropped into my XXXX account it was only {$2000.00} that was deposited. Im in total confusion about how trying to receive money on the machine has led to my losing {$900.00} of my money. I called and they said they cant reverse my money and I cant get anything back as am the verge of facing an eviction if I cant meet up my rent payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear XXXX Customer Relations, I am writing to formally demand resolution regarding a defective Masterbuilt smoker purchased from XXXX XXXX in XXXX XXXX my repeated efforts to resolve this matter through both XXXX XXXX and the manufacturer, I have been left with a non-functioning product and no meaningful assistance. XXXX sent out a control panel on XX/XX/year>, however the smoker is still inoperable. Since my purchase, the smoker ceased operating properly.Because the unit remains under the manufacturer 's warranty, I contacted XXXX for XXXXThey provided a control panel ; however, the smoker is still malfunctioning even after installation.I was then explicitly advised by XXXX that they do not replace smokers under warranty and that I should seek resolution through the retailer XXXX XXXX, as the product XXXX have been defective at the time of sale.Following that guidance, I contacted XXXX XXXX and was informed that the item falls outside the standard return period and that I must instead pursue warranty remedies through the manufacturer.As a result, I am being directed back and forth between XXXX XXXX and XXXX without any party accepting responsibility, leaving me without a working product. This situation is unacceptable.Under applicable consumer protection laws and implied warranty standards, products sold must be fit for their intended purpose.A smoker that fails within such a short period-combined with unsuccessful repair efforts-strongly indicates that the unit was defective. Given these circumstances, I am requesting that XXXX XXXX step in to resolve this matter.Accordingly, I am requesting immediate resolution in the form of a replacement smoker of the same model, or a comparable product of equal value.Please consider this letter a formal request for remedy.I would prefer to resolve this matter directly and amicably.Please respond within XXXX business days of receipt of this letter with a clear plan to resolve this issue.I have attached the proof of purchase and prior correspondence is available and will be provided upon request. Thank you for your prompt attention to this matter.i look forward to your timely response. Sincerely,

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 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Robinhood closed my brokerage/investing account on XX/XX/year> for recent unusual activity ( Case ID XXXX ). My account had just been reopened with no issues a short time earlier. I provided my XXXX Consumer Score Disclosure Report dated XX/XX/year>. My score was only XXXX, and the only factors were old XXXX banking history items from years ago : 1. XXXX XXXX XXXX ( XXXX ) 2. XXXX XXXX XXXX PAYMENT HISTORY 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX There has been no new activity or fraud. Robinhood Support reviewed my documents but still refused to reverse the closure. I am requesting that Robinhood reverse the closure and reactivate my account. I have given them a XXXX report, drivers license, and Social Security card, and there is absolutely no fraud associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
This number called me XXXX times between XXXX and XXXX today. My voicemail is now full and I cant receive other messages. I answered XXXX call and asked the person 's name and purpose for this call and whether this was an emergency. The person said Barclay was the company and lied by saying, yes it is an emergency. I responded that it is not an emergency and to stop calling me. I would return the call at a later time.

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 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Cornerstone First Mortgage, Inc.
State: VA

Complaint narrative:
On or about XX/XX/year>, I applied for a loan with Cornerstone First Mortgage. After a month of exchanging documents and ultimately coming to the closing process, bank employee XXXX XXXX called me less than 24 hours prior to closing, stating that I needed to provide the seller with {$5600.00} in the form of two cashier 's checks. I asked why I needed to give the seller additional money and she stated the reason was the seller agreed to provide me with a credit, and because I had a mortgage rate buy-down that was so low, it triggered a red flag and federal regulations require that some of the fees be offset when this occurs. I sent an email to XXXX XXXX, who was working alongside XXXX XXXX during the process, who confirmed I owed the seller nothing more, however, XXXX XXXX pressed the issue for several more days. I explained to XXXX XXXX that the seller and I did not have such an arrangement and that I was not interested in the credit. She stated that I had no choice but to accept and the bank would rescind the loan if I did not provide the seller with these additional funds at closing. I was required to sign an agreement that states the seller would provide me a {$5600.00} credit, however, no records exist that show I was required to return this money to the seller. Once more, I explained that I wasn't receiving a credit if I was required to return the funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: NC

Complaint narrative:
My homeowner 's insurance is supposed to be paid from an escrow account, but it was never paid. The website for the mortgage company says it's scheduled to be paid XX/XX/year> ( it was due XX/XX/XXXX ) but it's now XX/XX/XXXX and I just had to start a new insurance policy since this one expired from non-payment, and had to pay it out of pocket. I have tried contacting the mortgage company but all phone numbers go to an automated line that just takes payments and gives out canned information. It says my escrow account was paid, but it was not. I can not get any more details than this becuase I can't find a way to talk to a human being.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
This account is currently reporting a 30-day late payment and past-due status, which I believe to be inaccurate and/or improperly verified. Recently, there was a 30-day late payment reported on my account, which occurred due to a temporary financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I sent a notice of dispute to the debt collector on XX/XX/year> via certified mail number, XXXX, requesting that the debt claim be validated by supplying the original contract between the debtor and the claimant, Jefferson Capital. I also requested full, double entry accounting for the account that was reported to the consumer reporting agencies. The mandatory 30 day timeframe to respond to dispute notices as prescribed by Regulation V ( FCRA ) has now lapsed therefore the lack of response by Jefferson Capital within the prescribed time constitutes an inability to substantiate their claim. All reports that they have issued containing the account in question must thereby be removed to remain in compliance with Regulation V. Attached is a copy of the notice that was issued to Jefferson Capital on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Company Name : Affirm , Inc . Product/Service : Personal Loan / Buy Now Pay Later Issue : Technical or hesitation issue / Problem with a credit reporting or account management Complaint Description : I am filing this formal complaint against Affirm regarding a systemic technical glitch that has resulted in a loss of my purchasing power and financial hardship. I have been a loyal customer, but recently, a {$41.00} payment was " kicked out '' of my account XXXX to 4 times. My bank account was fully funded, unlocked, and set to automatic payments. I confirmed with my bank that no blocks were on their end. Today, I spent 1 hour and 17 minutes on the phone being transferred 8 times. Finally, a representative admitted to me that " bank accounts will do that '' and that Affirm has a known issue where their system fails to pull ACH payments despite funds being available. He explicitly instructed me to delete my bank account from the app and re-link it. Following his advice, I used my debit card from the exact same bank account, and the payment went through instantly. This proves the issue was a glitch on Affirms side, not mine. Despite this being a confirmed technical error by Affirm, I am now being penalized. My purchasing power was wiped out to {$0.00}. I called their corporate/legal line ( XXXX ) to file a grievance, and was told by the " Security Desk '' that they " had no numbers '' and could not transfer me to anyone to help. I am traveling from XXXX, Florida to Nevada on XX/XX/XXXX. I relied on this account for my hotel and travel expenses. Being penalized for a glitch that Affirm 's own staff admits exists is a violation of consumer protection. Desired Resolution : I am requesting an immediate manual override and restoration of my purchasing power. I have proven the funds were available and that the payment processed once I bypassed the glitchy ACH system. I should not have to wait " 7 days '' for an automated system to refresh for an error that was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
BANK OF AMERICA closed XX/XX/year> complainant checking account after complainant demanded name of merchant 's bank for XXXX XXXX XXXX XXXX which accepted deposits of monthly recurring payments made between. XXXX, XXXX XXXX, XXXX. The BANK OF AMERICA credited {$290.00}. USD of these disputed transactions however behavior became suspect as conspiring with this scam cryptocurrency app developer to defraud this improvised XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was performed and installed XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Also complainant deducted BANK OF AMERICA violated TRUTH IN LENDING ACT, FAIR CREDITING REPORTING ACT to collect {$4300.00}. credit card debt judgement in favor creditor, complainant incurred 19 years through scam.

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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I am filing a complaint regarding a retroactive interest charge applied to my Alphaeon Credit Card account. I enrolled in what was presented as a 0 % interest for 24 months promotional financing offer. I made all required payments on time throughout the promotional period and was never delinquent. At the end of the promotional period on XX/XX/year>, I had a remaining balance of approximately {$1500.00}. On XX/XX/year>, I was charged over {$2300.00} in interest and an additional interest charge on XX/XX/XXXX of {$100.00}. All of Alphaeon 's Statement emails and email notifying me the promotion was ending soon went to my email 's spam folder and I never received information by mail. While my XXXX statement included a notice that the promotional period was ending and listed a payoff amount, the structure and presentation of this promotion were misleading and did not clearly communicate the consequences in a way a reasonable consumer would understand : * The promotion was presented as 0 % interest, but in reality functioned as a deferred interest program where interest had been accruing since the original purchase date * The statement referenced accrued interest but did not clearly explain that this interest would be retroactively applied in full if the balance was not paid off completely. It is very confusing because looking at this statement it clearly says the minimum required payment is {$56.00} rather than the remaining balance. * The required minimum payment ( {$56.00} ) was far below the amount needed to pay off the balance within the promotional period, creating a situation where a consumer can make all required on-time payments and still incur substantial retroactive interest * The resulting charge is disproportionate : a remaining balance of approximately {$1500.00} resulted in over {$2400.00} in immediate interest charges I made every payment on time and acted in good faith under the belief that I was participating in a standard 0 % XXXX XXXX. The immediate application of such a large amount of retroactive interest the day after the promotional period ended was unexpected and financially harmful. * * Requested Resolution : * * I respectfully request that Alphaeon : 1. Remove the retroactive interest charges in full as a goodwill adjustment, OR 2. Substantially reduce the interest charges given the misleading nature of the promotion and my consistent payment history This situation reflects a promotional structure that is confusing to consumers and results in significant and unexpected financial harm, even when payments are made responsibly. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This account appears to be reported multiple times and/or with inconsistent account details, which may indicate duplicate or inaccurate reporting.

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 2026-04-01 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
am filing this complaint against Navy Federal Credit Union for failing to properly investigate a transaction involving a merchant that engaged in deceptive trade practices by impersonating a government entity. On XXXX XXXX, I attempted to apply for a federal Employer Identification Number ( EIN ) for my business, XXXX XXXX XXXX XXXX. I was led to a website operated by a merchant called [ Insert the full name from your bank statement, e.g., National Business Filers ]. This website was designed to mimic an official government portal, leading me to believe I was on an IRS-affiliated site and that the $ XXXX was a mandatory government filing cost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Subject : URGENT : Formal Dispute of Unauthorized Transaction - Case $ [ XXXX ] Message : I am writing to formally dispute an unauthorized transaction on my account that occurred on XX/XX/XXXX in the amount of {$1900.00}. This was an Unauthorized Electronic Fund Transfer ( EFT ) resulting from an account takeover. I did not authorize, initiate, or benefit from the purchase of Bitcoin or any subsequent transfer. I am invoking my rights under Regulation E ( 12 CFR 1005.6 ). Federal law requires you to investigate this unauthorized access to my USD funds. Your previous claim that " Bitcoin purchases are irreversible '' is not a valid legal defense for failing to reimburse a consumer for an unauthorized account compromise involving USD. I have already secured my account by changing my PIN and enabling security locks. I request that you provide provisional credit while you conduct your investigation as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC
State: MD

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, I requested termination of my Americor Financial Debt Settlement Company 's Program and for a total refund of the remaining balance within my dedicated account. On XXXX XX/XX/XXXX, I signed a Debt Resolution Agreement with Americor Financial who assured me that they would negotiate directly with all of my creditors to settle my debt for less than what I owed. As of to date, Americor Financial has only reached out to XXXX of my creditors ( XXXX ) to settle my debt for less than what I owe. Americor Financial failed to contact and negotiate with my other two creditors ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). On XXXX XX/XX/XXXX, I was summoned to appear before the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's ( XXXX ) civil claim for my outstanding debt. During my hearing, I learned that Americor Financial never reached out to XXXX and that XXXX does not negotiate with any debt-settlement company or third party concerning their debt collection. I was misled by the Americor Financial representative that persuaded me to enroll into their debt-settlement program, because I was assured that Americor had negotiated with all of my creditors in the past that I listed with their program. XXXX informed me that this was false during my hearing on XXXX XX/XX/XXXX. Therefore, I am requesting all funds in my dedicated account be transferred to me immediately!

Company response to consumer: Closed with explanation