vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-27 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account, collection, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Inquiries consist of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I deposited a {$2000.00} check and it was put on hold without warning or a chance to not do the deposit. They are now holding the entire amount for 10 days even though I have been a customer for many years and the check is from a reputable company and drawn on a reputable bank ( Bank of America )

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 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
XX/XX/2025 my cashapp account was hacked. Since then the person that hacked has taken out a cashapp loan in my account and has also changed all information so I can not access the account. A total of {$680.00} has been taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened up a citibank checking account in XX/XX/XXXX, and in XXXX I transferred money from my XXXX account to Citi via mobile transfer. One in the amount of {$4900.00} and one in the amount of {$1000.00}. Because at the time my XXXX is using my American name XXXX XXXX vs. my XXXX XXXX XXXX XXXX XXXX which I have changed on XXXX since then ), Citi decided to close my bank account and flagged it for fraud activity because the names didn't match. Since then, I have been trying to get Citi to send the money back to the XXXX account or send me a check and they are refusing to do so. Here are some dates that shows in my phone log of when I've called them : XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX During one of those calls I was able to get the Citi representative on the phone with XXXX and the customer rep was able to confirm my identity and that it was my money and XXXX account. She told me I would get a check in XXXX days. But when I called back the following week, another rep told me my case was rejected because again, they couldn't verify my identity! I have offered many different ways to prove that is my XXXX account by supplying invoices etc, but they do not wish to help me in any way. Please help.

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 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was the victim of a bank impersonation scam. I received a fraud alert text and responded NO. Immediately after, I received a call from someone claiming to be from Bank of America XXXX. They told me my account security was breached and asked me to verify my information. Then they had a Bank of America XXXX card ready and told me to add it to the XXXX XXXX app. I thought they created a new card for me on the XXXX app. I used XXXX while talking to them. They tricked me into withdrawing cash and depositing the money into their XXXX XXXX on the XXXX app. They asked if I had another bank, and I said XXXX. They said my XXXX and Bank of America accounts were not safe anymore and told me to get cash from XXXX and deposit it into that XXXX XXXX card as well. They tricked me into deleting their XXXX digital card from the XXXX app. They got money from the XXXX and Bank of America accounts and claimed this was an investigation. I got the scammer 's XXXX XXXX digital card information. He used a Bank of America XXXX card to get my money. I was the victim of a bank impersonation scam. I received a fraud alert text and responded NO. Immediately after, I received a call from someone claiming to be from Bank of America XXXX. They told me my accounts were compromised and that I needed to move my money to a secure digital card as part of an investigation. I believed I was following official bank instructions. I was guided step-by-step over the phone and via XXXX to withdraw cash and deposit it into what I believed was a secure bank-issued XXXX XXXX card. I now understand this was fraud, and I was deceived into transferring my funds under false pretenses. I need to file a scam claim and request recovery of funds.

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 2026-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am a victim of identity theft. I have listed the information that appears on my credit report that doesn't belong to me on my credit report. These accounts are the result of identity theft.

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 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S. 1681 ), you are required to ensure maximum possible accuracy and to conduct a reasonable investigation of any disputed information. At the time, the item in question do not meet those standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
b'Chase Closed my account without even letting me know'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation
State: MO

Complaint narrative:
This should be off my credit report due to the dates and it is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have tried several times to apply for a XXXX Credit Card. Different computers. Been approved a few times but the application goes in circles. I called them twice and got no help, no direction. If I were XXXX I would find another company to do my credit card.

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 2026-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings
State: NC

Complaint narrative:
On XX/XX/XXXX, I talked to IQDATA, and I paid XXXX, and I told them I would pay another XXXX on XX/XX/XXXX. Due to unexpected circumstances, I called and let them know I need to cancel that payment set for XXXX. I was then threatened, and told that they know where I work, and live and they would get me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by I.C. System, Inc. that I have formally disputed and requested validation for. I sent a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA 809 ), requesting documentation to support the validity of this alleged debt. Specifically, I requested a copy of the original contract, billing statements, proof of assignment, and verification of the amount being reported. As of this complaint, I.C. System has not provided any documentation verifying this debt. Despite this, the account continues to be reported on my credit report, which is inaccurate and unverified. Additionally, this account has already been removed or is not reporting with another credit bureau after investigation, further demonstrating inconsistency and lack of proper verification. I.C. System is continuing to report this account without providing proper validation, which is a violation of federal law. I am requesting CFPB assistance to ensure compliance with the Fair Debt Collection Practices Act and Fair Credit Reporting Act.

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 2026-03-27 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am disputing an unauthorized {$2500.00} charge on my Apple Card issued by Goldman Sachs that occurred in XX/XX/year> in XXXX. While leaving a XXXX, I was approached and physically blocked by two individuals asking me to sign a petition. They refused to let me leave and created a coercive situation. In order to disengage, I briefly scribbled on the document they presented. Immediately after doing so, the individuals ran away. At that moment, I noticed a {$2500.00} charge on my Apple Card from a merchant labeled XXXX XXXX XXXX. I immediately contacted law enforcement and filed a police report. This incident is documented with the XXXX Police Department under RD Number XXXX, dated XX/XX/year>. I did not knowingly authorize any payment. The interaction involved coercion and deception, and I did not provide consent for any transaction. The listed merchant appears suspicious, and the transaction location is inconsistent ( shown in the middle of XXXX XXXX ), suggesting use of a portable payment device. I promptly disputed this charge with Goldman Sachs in XX/XX/year>. Since then, the bank has repeatedly denied my dispute, stating that the transaction was authorized. However, they have failed to provide any meaningful evidence supporting this conclusion. Despite multiple requests, they have not provided a merchant receipt, XXXX XXXX authentication details ( such as whether XXXX XXXX or passcode was used ), transaction authorization logs, or merchant terminal information. The only document ever provided was a copy of the charge itself, which does not demonstrate authorization. Under the Fair Credit Billing Act, a card issuer is required to conduct a reasonable investigation and provide documentation supporting its determination. Goldman Sachs has failed to meet these obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I received a call about a debt collection that was trying to collect a debt. The company was XXXX. I have never had an account with the electric company. Few months ago I received a letter from XXXX that someone was trying to file a claim under my SS. Few months later I received a letter fro IRS of someone trying to file my 2025 income tax return. So Ive been dealing with stolen identity for a while now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I attempted to start a return with merchant, XXXX XXXX, on XX/XX/XXXX ( order date was XX/XX/XXXX and total was {$240.00} ). The merchant denied the return, claiming the items were marked as " Final Sale. '' However, this is false. The items were not marked " Final Sale '' anywhere on the site. The items should have fallen under the normal return window of 30 days. I have attached screen shots for reference. I am no longer in possession of the order. The credit card company, Robinhood XXXX, denied my dispute despite providing all of the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, sent me improper documents regarding a debt that I had with Prosper years ago that was already paid off to use as proof of the debt that they are alleging I owe them. I requested a full debt validation in a letter via certified mail, and have not received anything to verify this alleged debt and now although I have not yet been served, they have filed a law suit against me. I found this out by receiving many letters from attorneys advertising their services to help with this lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD bank sent me a letter dated XX/XX/XXXX, XXXX, XXXX, notifying me to close my account on XX/XX/XXXX, XXXX. I received the letter on XX/XX/XXXX, by that time my account was already closed. This gives me no time to transfer my payments to another account, resulting payment failure to my payees. Put me in high risk with my financial arrangements and damaging my credit. The bank gives me no reason for closing my account and clearly they dont putting consumer interest as their first priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Dear Fraud & Scam Dispute Department, I, XXXX XXXX, submit this complaint as a follow-up to a previously closed case XXXX involving the merchant Party Star and disputed transactions totaling {$5500.00}. My prior complaint was closed within one day without addressing the substantial video and image evidence provided. The response did not meaningfully engage with the core issues and appears to have treated the matter as a standard authorized transaction, which is incorrect. This submission outlines the specific legal violations supported by evidence and requests a proper investigation in accordance with applicable law. -- - 1. MISREPRESENTATION OF SERVICES The application is publicly presented as a social networking platform, while the in-app environment operates as a balance-based gaming system. - Applicable Law : Federal Trade Commission Act, 15 U.S.C. 45 - Violation : Deceptive acts or practices -- - 2. CIRCUMVENTION OF REGIONAL & PAYMENT CONTROLS Evidence shows instructions to change account region or use agents to enable restricted transactions. - Violation : Bypass of payment controls and improper transaction routing -- - 3. USE OF UNDISCLOSED THIRD-PARTY AGENTS Transactions are processed through intermediaries instead of disclosed payment channels. - Violation : Lack of transparency and potential transaction laundering indicators -- - 4. POST-DEPOSIT DISABLING OF WITHDRAWAL FUNCTION ( CRITICAL ) Evidence shows : - Withdrawal available before deposit - Funds accepted - Withdrawal function disabled afterward - Funds inaccessible despite balance - Applicable Law : Regulation E ( 12 C.F.R. Part 1005 ) - Violation : Failure to provide access to funds and unfair practices -- - 5. FAILURE TO DISCLOSE MATERIAL TERMS Withdrawal conditions were not disclosed despite repeated inquiries. - Violation : Deceptive omission of material terms -- - 6. UNFAIR PRACTICES Allowing deposits while restricting withdrawals causes substantial consumer harm. -- - EVIDENCE SUMMARY Submitted materials show a clear timeline : normal operation deposit withdrawal disabled funds inaccessible. -- - REQUEST I request : 1. A full and reasonable investigation in compliance with Regulation E ; 2. Confirmation that all submitted evidence has been reviewed ; 3. Reclassification of this matter as fraud ; 4. Issuance of provisional credit ; 5. Full reversal of the {$5500.00} disputed transactions. -- - NOTICE A one-day resolution of a complex case involving significant evidence raises serious concerns regarding compliance with Regulation E investigation requirements. I do not accept the prior outcome and request formal reconsideration. Sincerely, 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 2026-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My ex had went to the dealership with someone acting like they were couple together with kids and used my ID social to get a new car in 2024 she came home with a brand new car said she got in her name and needed help with payment so I help but I never knew she went to far by having someone there claiming my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Subject : Complaint Against Synchrony Bank Excessive Interest, XXXX, and Unfair Account Practices To Whom It May Concern, I am filing a formal complaint against Synchrony Bank regarding my CareCredit account. My original balance was approximately {$1200.00}. However, after a promotional period expired, I was charged a deferred interest amount of {$1600.00} in a single billing cycle. Following this, I have continued to be charged monthly interest of approximately {$70.00} {$88.00} at an APR of nearly 30 %. To date : * I have paid approximately {$2200.00} toward this account * The total interest charged exceeds {$2300.00} * My balance has increased to over {$3500.00} despite ongoing payments This clearly demonstrates that nearly all of my payments have been applied toward interest rather than reducing the principal balance. Additionally, during this period : * I lost my job for over six months * I was XXXX and unable to manage finances effectively * Despite XXXX, I continued making payments in good faith The application of retroactive deferred interest combined with high ongoing interest has created a compounding financial burden that is unreasonable and unsustainable. I am requesting : 1. Full or substantial removal of deferred interest charges 2. Reversal of excessive accumulated interest 3. Waiver of late fees 4. A fair adjustment or settlement of the remaining balance 5. Placement into a manageable repayment program without excessive interest I believe these practices are unfair, especially given the XXXX circumstances and the disproportionate interest relative to the original balance. I request a formal review and resolution. Sincerely, 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