vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I was scammed into believing my banking company, XXXX XXXX, detected someone trying to use my card and a deposit to someone for {$2000.00}. Through text they said an agent would call me shortly. Whoever the person impersonating the agent knew all my bank information. He told me to protect my account, I needed to transfer all the money I had in my bank account to my cash app account. Then he told me to wait patiently and would tell me when to transfer it back into my banking account. Once he told me to transfer it back, he said it would be available within XXXX hours. But it never deposited back into my account. I contacted my daughter. She looked over everything and realized it was never my bank calling me. All the emails sent from the person impersonating an agent were all wiped out clean. My daughter called back the number that called me claiming to be XXXX XXXX & found out it's a regular cell phone. My daughter saw in my cash app account that the money wasn't ever sent back to my bank. It was transferred to a debit card I've never seen before. I contacted my bank and they said there's nothing they could do. So my daughter contacted the fraud department through cash app and filed a complaint. The scammer took every bit of my money leaving me with XXXX cents. I was scammed out of {$1900.00}. Including the $ XXXX instant transfer fee I was charged to have the money instantly back into my banking account. Which the scammer said my bank company would cover all transaction fees. So now I am waiting for the fraud department to investigate my case while praying I'm able to get my money back. This all happened on Monday XX/XX/year>. My daughter also set me up a direct deposit form to have my future paychecks sent to my cash app account and in the process of closing our the account I have with XXXX XXXX. Since the scammer knows all of my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Product Consumer Loan Installment Loan / Solar Financing Company GoodLeap, LLC What to Say ( Paste This ) I dispute a solar loan originated through GoodLeap based on deceptive sales practices, undisclosed dealer fees, and non-performance of the underlying contract. The installer failed to deliver promised equipment and system performance. Despite notifying GoodLeap in writing that the account is disputed and subject to an Attorney General complaint, GoodLeap has failed to respond and has begun reporting late payments, causing credit harm. I am XXXX and dependent on reliable power for medical equipment. I am requesting suspension of adverse credit reporting, correction of negative entries, and investigation of disclosure violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I deposited a cashier 's check of {$6000.00} in 2018 of XXXX and the Golden 1 credit Union branch XXXX California and deposited {$1000.00} into a savings account the remaining {$5000.00} was deposit to the wrong account which I never received a card or statement or information because I requested it to be deposited into a CD I later went back to the branch after covid 19 and requested the information and the branch manager XXXX XXXX gave me a paper report showing charges that were made from the wrong count that was given to me and I never was able to access my money except for the checking and savings account they opened up for me with {$1000.00}. They also made payments to their third party vendor life insurance company, and made several overdraft charges. The bank branch manager gave me a generic login after requesting access to my acct initially. I was already dealing with so much crisis during covid. I need help retreating my funds deposited of $ XXXX which was never found. They gave me a list of withdrawals which I never made or had access to. XXXX was the initial representative who opened my acct but she no longer works there.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union refused to investigate an electronic funds transfer dispute involving an ACH debit from my checking account. 

An ACH payment was debited from my Navy Federal checking account through XXXX for a product that was defective, missing advertised components, and not as described. The merchant advertised a money-back guarantee. I repeatedly contacted the merchant requesting return instructions and a refund, but the merchant refused to provide return instructions and stopped responding. 

After XXXX closed the dispute without addressing the missing components or the merchants refusal to accept a return, I contacted Navy Federal Credit Union to dispute the ACH debit directly with my bank. 

A Navy Federal representative informed me that there were no dispute options available because the transaction was an ACH transfer. Navy Federal refused to investigate the transaction, did not request documentation, and did not provide any written explanation or regulatory basis for denying the dispute. 

This refusal appears to be a blanket procedural denial based solely on the payment method, rather than a lawful determination on the merits of the claim. 

Under Regulation E ( 12 CFR Part 1005 ), financial institutions are required to accept notices of error for electronic funds transfers, conduct a reasonable investigation, and provide written findings. Navy Federal failed to do so. 

The disputed transaction was an ACH debit of {$170.00} from my Navy Federal checking account on XX/XX/year>, processed through XXXX for payment to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good evening, On XXXX Friday, I was online shopping and did not realize I purchased [ {$75.00} worth ] from a scammer. I did not receive the product, did not receive an email confirmation for said products. I realized too late it was fraud. They took {$800.00} from my account the following Monday afternoon around XXXX XXXX. I left work early [ inconvenienced ] since Wells Fargo phones were down. I met with a great rep in person and he helped escalate my situation. I did not receive any communication within the XXXX  days I was told I would. I called Wells Fargo a week later and they credited my account {$800.00}. I have not received any emails from Wells Fargo regarding my claim. Yesterday, XX/XX/XXXX, Wells Fargo reversed the charge which left me in the negatives. When I called claims frantically, they claimed to have done a thorough investigation and determined it was not fraud. I said I did not authorize {$800.00} to be taken out of my account, which they proceeded to tell me they could not help further. I went to Wells Fargo again in person yesterday, leaving work early, and my rep said he is escalating the issue but they are fighting the claim.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I worked at XXXX XXXX XXXX XXXX in the Structured Settlements department. XXXX XXXX is the XXXX XXXX who protected the Settlements. Brokers and Attorneys were directed to put money into Bank of America XXXX XXXX account at XXXX XXXX XXXX in XXXX, Massachusetts. Bank of America doesn't tell me anything information on how to get funds from the account. The XXXX XXXX XXXX in New Hampshire was bank rubbing me. They trade my information with XXXX, Hospitals, Police Departments, XXXX illegally and steal my Structured Settlements deposits. Bank of America in XXXX. NH are all guilty of fraud. I filed a complaint and they tell me to call the fraud department. Bank of America is scamming me, the brokers, and Attorney and not paying taxes on thd money. I have filed False Claims Act on the hospitals who use my information for XXXX reimbursement and falsified health care needs to steal my XXXX money. There is {>= $1,000,000} missing from XXXX  deposits in my XXXX XXXX account. The managers at Bank of America never find the missing money and are always saying they don't know what I am talking about. They are illegally trading funds from Structured Settlements in new accounts and guilty of Bank fraud. I am not working with anyone. There is no contract. They are guilty of not paying taxes, wages, and breaching the XXXX XXXX XXXX XXXX business. Stop giving my money to the Police Department. My Structured Settlements doesn't belong to them. Just because Bank of America can't handle the crimes they do to XXXX XXXX does not allow them to give my case to another Hospital, Detective, FBI. These Agencies do not pay me a wage and give me Social Security XXXX benefits and not my lost Worker 's Compensation money. The Attorney is not to recover any of my money because the Attorney is a health care fraud.

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 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: CA

Complaint narrative:
I am submitting this complaint as a follow-up due to additional issues and unresolved concerns following XXXX Data Internationals response to my prior CFPB complaint. 
I requested written debt validation for this account. XXXX XXXX did not provide written validation as required. Representatives instead read information verbally over the phone and stated that validation had been sent, but no written documentation was received. To date, I have not been provided with copies of the lease, guaranty agreement, or an itemized accounting of the alleged balance. 
After my original CFPB complaint was filed and while the account was disputed, XXXX XXXX continued phone contact with both me and my guarantor rather than providing written documentation. During these calls, representatives made coercive and inappropriate statements, including pressuring my guarantor to take out equity from her home or use credit to pay the alleged debt. 
While my guarantor is a party to the account, this conduct was aggressive and inappropriate and does not reflect fair or ethical debt collection practices. 
XXXX XXXX CFPB response states that they are committed to dignity, respect, and compliance ; however, they did not address the failure to provide proper written validation or the coercive nature of the phone communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I went to purchase a car from XXXX XXXX  in XXXX XXXX  on XXXX XXXX. I asked them to run my credit through my bank as well as there financial institution. They came back to me and said that they beat the banks interest rate. XXXX interest rate is 10.49 % so I signed with XXXX. Today XX/XX/XXXX I went to bank and tired to refinance with them. And I asked them about whenever XXXX ran my credit through them and they said they offered me 6 % interest rate which XXXX never mention and straight up, lied to me about what they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have a line of credit with XXXX XXXX XXXX that is serviced by XXXX XXXX. My account has been set up on automatic payments, and I have over 10 years of on-time payment history. 

In XX/XX/year>, an automatic payment failed without my knowledge. I did not receive any alert, notification, or communication from TD Bank informing me of the failed payment or providing an opportunity to resolve the issue before negative action was taken. 

Instead of notifying me or attempting to correct the payment issue, XXXX XXXX  reported the account as XXXX days late to the credit bureaus. I only became aware of the issue after the late payment had already been reported and my credit was negatively impacted. 

The moment I became aware, I immediately brought the account current. This late payment was unintentional, isolated, and the result of an automated payment failurenot an inability or refusal to pay. 

I am requesting that XXXX XXXX correct this reporting by removing the XXXX late payment as a goodwill adjustment, given my longstanding positive payment history, reliance on autopay, lack of notification, and prompt resolution once notified. 

I've included the only communication I received from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX, a {$17.00} XXXX transaction was processed successfully, but the collection agency Checkredi withdrew an additional {$40.00} from my bank account as a return fee. Colorado law caps this fee at {$20.00}. I received no written notice or validation letter before the withdrawal. 

In XX/XX/XXXX, the same thing happened again. A {$10.00} XXXX purchase was processed, and Checkredi withdrew {$50.00} from my account, including another {$40.00} feeagain double the legal limit. I still received no written notice. 

I contacted the company and requested a refund of the unlawful fees, an accounting of all fees on my account, and an explanation for why they charged {$40.00} when Colorado law caps the fee at {$20.00}. Instead of providing the information, they misquoted the statute and continued to claim the {$40.00} fee was lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My CareCredit Rewards Mastercard had a sudden credit limit reduction from {$12000.00} to {$4700.00}. This change occurred in XX/XX/XXXX without advance notice. 

I have been a responsible cardholder and I make payments several times a month. My payment history includes a {$1900.00} payment in XX/XX/XXXX, along with multiple additional payments in surrounding months. My average required monthly payment on this account is under {$200.00} and I pay well over that amount each month. Also, I have not been delinquent. 

Synchrony did not place a formal adverse action or explanation letter in my online account. Instead, I received an email stating that the credit limit was reduced due to a low credit score and the presence of a student loan balance. I am currently a graduate student, and my student loans are not in repayment status. The existence of new student loan debt has not interfered with my ability to pay this account and has not previously resulted in adverse action.

This credit limit reduction has already negatively affected my credit utilization and credit profile, as it is being reported to credit bureaus. At the same time, I continue to receive frequent marketing emails encouraging use of the card and participation in rewards programs, despite the significant reduction in available credit.

I am requesting reconsideration of the decision if no adverse account activity justifies it, and confirmation that any inaccurate reporting related to this action is corrected.

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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was a victim of identity theft with Bank of America. Bank of America closed my account, and I was placed in the XXXX XXXX. I'm unable to open any bank accounts. I'm reaching out to you guys to resolve this issue.

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 2026-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am a victim of identity theft. Capital One allowed a checking account and a savings account to be opened in my name without my knowledge or consent. I did not apply for, authorize, or benefit from these accounts. 

I discovered the accounts after experiencing account restrictions and irregular activity. I immediately contacted Capital One, reported identity theft, and requested documentation showing how the accounts were opened, including application records, verification methods used, account opening dates, and transaction history. 

Capital One has failed to provide clear documentation proving I opened these accounts and has given inconsistent and vague explanations. Despite my repeated efforts to resolve this, the bank has delayed resolution and caused financial stress and disruption. 

I am requesting that Capital One : 1. Acknowledge these accounts were opened fraudulently, 2. Permanently close all affected accounts, 3. Release any held funds, 4. Remove any negative records or internal flags related to this matter, and 5. Provide written confirmation that I have no liability for any activity on these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a purchase from XXXX XXXX XXXX XXXX - {$500.00} I was not satisfied with the items so I returned them to the address provided by XXXX XXXX XXXX XXXX  for a refund. 

XXXX tracking stated delivered but XXXX XXXX XXXX XXXX claimed they never received the package. 

I opened up a claim with chase bank and they refunded. Several months later chase bank reversed the claim and the refund and closed it, stating that XXXX XXXX XXXX XXXX provided evidence that they never received the package. 

I contacted XXXX XXXX XXXX XXXX and they apparently initially provided me with the incorrect address for returns. So i asked for the correct address, I then went to XXXX and they informed me the package was in their posssession, and never returned to sender my address and theh never changed the status. So I returned the package to the correct address and was delivered successfully. However XXXX XXXX XXXX XXXX wont refund me and chase bank wont reassess/reopen the case eventhoigj I have proof XXXX XXXX XXXX XXXX received the returned package.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding a XXXX loan issued by Wise Loan in the original amount of approximately {$300.00} while I was a Texas resident . Due to excessive interest rates, fees, and loan structuring, the balance has increased to {$2000.00} for Loan # XXXX, as of XX/XX/2022. 

Under the Texas Finance Code, including provisions governing consumer loans and credit access businesses, lenders are required to clearly disclose fees, interest, and the true cost of credit. I believe the structure of this loan resulted in disproportionate charges that were not clearly explained or reasonably repayable, raising concerns of unfair or predatory lending practices.

When I experienced financial hardship, I attempted to manage the loan in good faith ; however, the escalating balance made repayment unreasonably difficult. The account was later placed into collections and is now reporting negatively on my credit report.

I dispute the accuracy, legality, and fairness of the balance being reported and request full validation, including an itemized breakdown of interest and fees, proof that all charges comply with Texas law, and verification of Wise Loans authority to report this account.

I am requesting that Wise Loan review this account for compliance with Texas consumer protection and lending laws and remove this account from my credit reports as part of a fair resolution. Continued reporting of this account is causing significant harm and does not accurately reflect my efforts to resolve the matter.

Company response to consumer: Closed with explanation