vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
" Cash App ( Block, Inc. ) is withholding my personal funds ( approximately $ XXXX {$400.00} ). My account was locked after I froze a stolen card, and my PIN stopped working due to a technical error on Cash App 's end. I have lost access to the original email/XXXX account . However, this account was fully verified using my legal name, Social Security Number ( SSN ), and government-issued ID. Cash App customer service has failed to assist me. I am requesting a manual disbursement of my remaining balance via a physical check mailed to my address or a direct transfer to my new bank account. I am ready to provide my ID and SSN to the corporate compliance team to prove ownership. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
I am showing a few missed payments in this credit card which wasn't late

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
Hi on my XXXX report it shows that an account was open with Charles Schwab that Im not aware of and I called customer support to try and get this resolved 2 times but I was told that they couldnt help me so I just want to get this removed off my XXXX because I wasnt responsible for this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of my credit card dispute involving XXXX XXXX XXXX ( XXXX ) and disputed amount of {$1400.00}. Bank of America denied my dispute as a cancellation matter based upon merchant policy. I believe this was incorrectly evaluated. On or about XX/XX/XXXX, I spoke with a representative identified as XXXX ( XXXX ) regarding a future move scheduled for XXXX. I was told that because the move was far in the future, if I cancelled before XX/XX/XXXX, my deposit/payment would be fully refunded to the original payment method. I relied on those representations when authorizing payment of {$1400.00}. I attempted cancellation around XX/XX/XXXX, well before the planned XXXX move date. No moving services were performed. No household goods were transported. No packing, labor, delivery, or relocation services were provided. When I attempted cancellation, I received instructions requiring me to acknowledge that I was outside the cancellation policy, agree that the deposit was non-refundable, and consent to escrow of the funds. I did not agree because this contradicted what was represented during booking. I submitted supporting evidence including affidavits, witness testimony, cancellation attempts, emails, and documentation. Bank of America denied the dispute stating that verbal promises are not billing errors. However, this complaint concerns alleged misrepresentation, reliance, and services not rendered rather than a routine cancellation dispute. I respectfully request reopening and review of the evidence submitted. Merchant : XXXX XXXX XXXX ( XXXX ) Job Number : XXXX Amount : {$1400.00}

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
I contacted the company regarding the debt and was told it has been charged off. However, on reviewing my credit report I'm seeing a company I've never done business with nor do I have a contract with, trying to collect the charged off debt along with miscellaneous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TOLEDO FINANCE CORPORATION
State: WA

Complaint narrative:
They sent me paperwork but I couldnt read it. The ink was fading away. I talked to several people at this company told me what my balance was I had no late fees and it would be removed from my credit. I called in later to make a payment they doubled what I owed and said late fees were added.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Deposited a cashier check from in XXXX XXXX XXXXXXXX XX/XX/26 and was not told hold time. Hold was placed until XX/XX/26 at XXXX am due to they had reason to believe check would be returned. I went to XXXX XXXX XXXX in XXXX and spoke to bank manager who only reiterated hold info and offered no resolution. The check was from my sister to help me with a financial need. She paid cash to get the cashier check from her bank. I stated that cashier check should only have a 2 day hold from local bank. Per federal regulations.. No concession offered. No funds made available to me.

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 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I am rejecting Concora Credit 's resolution. According to their own response dated XX/XX/year>, the company claims they blocked my card in XX/XX/year> and closed the account in XX/XX/year>. Despite the account being unusable and closed by them, Concora admits they left XXXX XXXX ' active until XX/XX/XXXX, and allowed interest and late fees to endlessly compound, inflating a closed account to a {$500.00} balance. Furthermore, Concora claims they mailed me notices regarding this block and requests for identity verification on XX/XX/year>, and XX/XX/year>. This is a complete fabrication. I never received any such documents. Concora has provided zero proof of mailingno certified mail receipts, no tracking numbers, and no evidence these letters were ever dispatched or delivered. To make matters worse, starting in XX/XX/year>, I began fighting a severe medical crisis involving congestive XXXX XXXX, which resulted in two separate hospitalizations. Because Concora failed to provide proper, verifiable notices about the card block, and because I was incapacitated and fighting for my life in the hospital, I was completely unaware of these sudden billing changes. It is an unacceptable, deceptive, and predatory business practice to freeze a consumer 's account, fail to provide verifiable notice, and then exploit a consumer 's severe medical hardships to continuously stack overlimit fees and late penalties for months on a closed account. I do not owe {$500.00} for a service I was blocked from using due to their internal errors and lack of notification. I demand they immediately cease these phantom charges, waive all post-closure fees, and zero out this balance completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
First I tried to activate this card online to view the balance. I tried different browsers, different devices, disabling ad blockers, and using a vpn, but each time I got an error message saying " A system error has occured. Please try again later. '' I tried to use the card at XXXX and at XXXX and it was declined both times. I called the number on the back of the card and waited on hold for a long time. The representative who I eventually reached told me that the card would not work until it is activated, and that the only way to activate it is to go through the same website which is consistently giving me this error message. I asked if it would be possible to activate it over the phone and she said no, only through the website. I tried the website again several more times after the call and the error message is the same each time. This card seems impossible to activate and use.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
RE : Citibank Billing Dispute Resolution Compliance Failure Citibank Reference Number : XXXX Original Disputed Amount : {$1100.00} | Credited Amount : {$1000.00} Remaining Unresolved Balance Gap : {$19.00} plus all accrued interest and finance fees I am filing a formal complaint against Citibank for a billing error calculation failure under the Fair Credit Billing Act ( FCBA ). Citibank recently sent me an official letter under Reference Number XXXX stating they received a credit from the merchant for {$1000.00} and marked my fraud investigation as " complete. '' However, the original fraudulent international transaction total charged to my card was {$1100.00}. Due to international merchant arbitrage and foreign currency conversion fluctuations, the merchant 's manual partial refund left a {$19.00} balance gap on my account. Citibank 's automated system has since reversed my temporary conditional credit, leaving my subsequent statement balance completely incorrect and exposing me to backdated interest charges on a fraudulent transaction. The international merchant is a master manipulator who never manufactured or delivered the custom merchandise, committed a severe data breach by leaking another customer 's ID into my file ( Exhibit C ), and has already been proven fraudulent. I demand that Citibank conduct a manual adjustment to completely wipe out the remaining {$19.00} balance gap, eliminate all associated interest fees or finance charges, and fully clear my account of this merchant 's fraudulent footprint.

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 monetary relief
Consumer complaint received 2026-05-27 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: TX

Complaint narrative:
I am submitting this eighth formal follow-up complaint after repeated good-faith attempts to resolve ongoing inaccurate, incomplete, and unverifiable credit reporting that continues to appear across my consumer credit files despite prior disputes and reinvestigation requests. This complaint is made pursuant to FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) ( failure to reasonably reinvestigate disputed information ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ), and FCRA 623 ( a ) ( 1 ) ( A ) ( furnisher duty to provide accurate and complete reporting ), as well as applicable provisions of FDCPA 807 15 U.S.C. 1692e and FDCPA 808 15 U.S.C. 1692f, because the items listed below continue to be reported without sufficient verifiable documentation confirming their accuracy, completeness, or lawful reporting basis. The accounts in dispute include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ) reported on Experian , which is being reported as a collection item without complete validation of the debt, ownership chain, or reporting authority, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ) reported on TransUnion, which likewise lacks sufficient documented proof confirming accuracy and legal reporting compliance. I am also disputing XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$5700.00}, reported as a charge-off on TransUnion ) * * due to the absence of clear, consistent, and verifiable documentation confirming the accuracy of the reported balance, account status, and full reporting history. Despite multiple prior disputes, no adequate reinvestigation results or documentary evidence has been provided confirming that these items have been fully verified by the furnishers or that they meet the standard of maximum possible accuracy required under FCRA 607 ( b ). The continued reporting of these accounts without complete verification suggests inconsistent reporting practices and incomplete validation across the credit reporting system. Under FCRA 611 ( a ), I am therefore requesting that each credit reporting agency conduct a full and independent reinvestigation directly with the original furnishersXXXX XXXX XXXX XXXXXXXX confirm the accuracy, completeness, and legal validity of each tradeline. If any furnisher can not provide complete and verifiable documentation supporting the accuracy of the debt, balance, account status, and reporting history, I respectfully request the immediate deletion of XXXX XXXX from both Experian and TransUnion, and XXXX from TransUnion.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding my Capital One joint checking account, which has been under a Legal Hold {$8700.00} since XX/XX/year>. For months, I have contacted Capital One multiple times, including customer service representatives, supervisors, and managers, but I have not received a clear explanation of the reason for the hold or who placed it. Capital One has been unable to identify the source of the restriction or provide written confirmation of what is preventing access to my funds. I am repeatedly given inconsistent or unrelated information, including referrals back to external agencies. We have independently contacted the relevant agencies : New York State Child Support Enforcement has stated there is no active levy on the account. New York State Department of Taxation and Finance has confirmed its levy was released. Despite this, Capital One continues to restrict the account and has not provided a clear explanation of the current legal hold or its basis. The account shows a balance of approximately {$4200.00}, and an overdraft of approximately {$4500.00}, but Capital One has not explained how these amounts are being calculated or why the account remains restricted. I am requesting : Written explanation of Legal Hold XXXX Identification of the agency or authority that placed the hold. Confirmation of all active restrictions on the account. Explanation for why the account remains restricted after reported release of prior levies. Immediate review and resolution of the account restriction. This issue has been ongoing since XX/XX/year> with no resolution despite repeated attempts to obtain information. I am requesting prompt investigation and a clear written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I reserved a rental car for pickup date XX/XX/XXXX. I applied for financing the rental car through Affirm. I applied for XXXX credit limit. The rental amount was XXXX. I cancelled the rental. The rental was cancelled on XX/XX/XXXX. I confirmed the rental agency, XXXX XXXX had no record of receiving any payment for the rental from the booking agency, XXXX or the financing company Affirm. Before applying for the loan Affirm website states they will refund the entire amount of the loan if it is unused. I received a refund for XXXX. The loan amount was for XXXX. They are billing me for the difference along with interest. They are demanding a XXXX. I went ahead and paid it because I received a threatening email stating they will report me to the credit bureau if I do not pay the amount. I filed a dispute with my bank requesting they investigate why I did not get the entire refund. I filed a dispute with my bank on XX/XX/XXXX. Affirm did not respond to my bank 's request for more information. They reversed my payment and are demanding I pay the XXXX or they will report me to the credit bureau. I am including my rental history with XXXX. It shows I did not rent a car on the date Affirm is billing me for. I paid for all of my rentals out of pocket that are listed on the XXXX site. I tried resolving this issue through their customer service department via chat on XX/XX/XXXX @ XXXX EST. The agent ended the chat without a resolution. When I received the survey regarding the chat, I added a note stating this issue was not resolved and I would like to escalate it. No one responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have a housing opportunity that is being delayed due to the terrible customer service provided by this bank. I have first requested this Asset Verification Form on Monday, XX/XX/year>. I was told I will receive it within 24-48 hours via email. After 48 hours, I still have not received the form.. I called again and told the supervisors that I still have not received the form & I was told again to wait 24-48 hours for the form which I still have NOT received again after another 48 hours. That process repeated one more time after that so altogether I requested this form 3 times. Today is now Tuesday XX/XX/year> & still no form. Theyve showed ZERO empathy for this problem that Ive made clear to them which is my housing opportunity being delayed because of this inconvenience I am getting zero help from this careless company and need this form in order to receive my housing opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXXDdnt realize 90% of the loan payments is interest and fees and 10% go toward principal. For example payment due is XXXX XXXX goes towards interest and fees and XXXX goes toward line of credit.'

Company response to consumer: Closed with explanation