vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 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: IL

Complaint narrative:
My account with Square/Block Inc. was allegedly terminated by the company on XX/XX/year>, however I was never properly notified of this action. The company claims they sent an email, but I have no record of receiving any notification stating that my account was closed. In fact, I continued to receive regular communications from Square, including emails about improving my account, updates to fees, and other account-related notifications. At no point did these communications indicate that my account had been terminated. Additionally, I continued to have full access to my Square dashboard, including the ability to log in, manage my account, and make edits to my website. Based on this continued access and communication, I reasonably believed my account remained active. Despite this, Square continued to withdraw money from my account on a recurring monthly basis. I did not authorize these transactions, especially if the account was in fact terminated. When I contacted the company, they responded by stating they could not provide any information because they were unable to verify my identity. This is despite the fact that I provided extensive documentation and proof of the charges from my own bank account. If additional identity verification is required, I am fully willing and able to provide it immediately. I contacted the company requesting an explanation, proof of any termination notice, a refund of all charges made after the alleged termination, and confirmation that all future withdrawals would stop. The company has failed to provide verifiable proof of notification or resolve the issue. These actions have negatively impacted my business operations and access to my funds. I am requesting a full refund of all unauthorized withdrawals and written confirmation that no further charges will occur. Total of {$840.00} have been withdrawn from my account since it has been terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Automotive Management Services, Inc.
State: NC

Complaint narrative:
I had bought a XXXX XXXXXXXX XXXX sedan and I had it almost a year then the payments was getting expensive XXXX dollars a week and I got behind on payments and they took my vehicle when I was asleep and They didnt even give me a chance to get my vehicle back I want this removed from my credit report

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I had bought a XXXX XXXX XXXX XXXX from XXXXXXXX XXXX Dealership in XXXX Florida and it was a lemon and I turned it back in to the dealership and they still wouldnt me to pay for a vehicle that didnt run the peddle stop working and I couldnt drive it and they would not fix it so I sent it back to them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I dispute Bank of Americas denial of my credit card billing error claim. Your denial letter dated XX/XX/year> provides no meaningful, transaction-level explanation and does not identify the evidence relied upon to conclude the disputed charges were authorized. Stating that statements were mailed and payments were made is not evidence of authorization. This is a credit card dispute governed by the Fair Credit Billing Act ( FCBA ) and Regulation Z : 15 U.S.C. 1666 ( billing error resolution ) 12 C.F.R. 1026.13 ( billing error resolution procedures ) The disputed charges constitute billing errors, including unauthorized charges. See 15 U.S.C. 1666 ( b ) ; 12 C.F.R. 1026.13 ( a ). 1 ) DEFICIENCIES IN BANK OF AMERICAS DENIAL Your denial fails to state : which transaction ( s ) were investigated and what findings were made for each, what merchant documentation was obtained ( if any ), what bank-side authorization/authentication evidence was reviewed, what specific facts show authorization. An unsupported or generic denial is not a reasonable investigation consistent with FCBA/Reg Z duties. 2 ) DEMAND FOR REINVESTIGATION AND DOCUMENTARY BASIS Please reopen the investigation and provide the complete documentary basis for the denial, including : A ) Transaction-by-transaction findings For each disputed transaction : date, amount, merchant descriptor, and specific basis for concluding authorization vs. fraud. B ) Bank-side authorization/authentication evidence ( as applicable ) Method of authorization ( swipe/chip/contactless/online ) XXXX data elements if chip was used XXXX Secure / OTP / step-up authentication logs Device identifiers, IP addresses, timestamps, and geo/location indicators for online activity XXXX results for card-not-present transactions C ) Merchant-side evidence ( as applicable ) Signed receipt or contract ( if claimed ) Itemized invoice Shipping records and full proof of delivery ( including carrier record ) Delivery signature details and any ID verification process used Any communications the merchant claims support authorization D ) Internal case materials All internal notes, system logs, call notes, screenshots, and workflows

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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
In XX/XX/year>XXXX me and my husband went to studio jewelers in the XXXX XXXX XXXX for an upgrade of my wedding ring we brought a band and an engagement ring we was offered to use an Acima finance service they were taking $ XXXX week from my husband bank account and {$150.00} a week from my bank account they had us as if we had two different leases for two different rings like he had a set and I had a set I went to studio to resolve this matter I spoke to numerous people from Acima and nobody seemed to understand nor try and fix the problem after being told by studio jewelers that we only had a set of rings not two different sets of rings they continue to this day taking money from both accounts the amount they take from him and me exceeds the amount of the rings I need help in this matter thank you please contact me for more information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I was suppose to close XX/XX/XXXX the XXXX XXXX my interest rate in Before I Closed on XX/XX/XXXX up under no intetrest forcing me to have to pay my first mortgage XXXX first in the amount of XXXX and I just got through paying closing cost plus moving expenses if I can get help with this situation it will be Highly XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA

Complaint narrative:
I recieved a call from XXXXXXXX XXXX XXXX XXXXXXXX XXXX stating that I owe money from XXXX from XXXX XXXX and I need to pay XXXX dollar but refuse to send me a bill they told me that they sent me a bill already. I try asking for info they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brown and Joseph, Ltd
State: WA

Complaint narrative:
Supplemental Statement Regarding XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Attempt XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX This supplemental statement is submitted to clarify the timeline and claim-handling issues involving XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) and its attempt to collect a {$2500.00} XXXX XXXXXXXX ( XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX facts are as follows : The underlying loss occurred on XX/XX/XXXX. XXXX states the claim was reported to them on XX/XX/XXXX. Upon learning of the claim, XXXX issued reservation-of-rights communications. XXXX then moved toward declaratory-judgment coverage litigation positioning immediately after learning of the claim. XXXX did not assign defense counsel to XXXX XXXX XXXX XXXX XXXX. Defense of the underlying matter was handled entirely by XXXX XXXX XXXX XXXX and its appointed counsel. XXXX XXXX XXXX XXXX XXXX did not request defense participation from XXXX. XXXX did not coordinate investigation activity or defense participation with XXXX XXXX XXXX XXXX XXXX. XXXX did not operationally request exhaustion of the XXXX during claim handling prior to pursuing coverage litigation positioning. XXXX later demanded payment of the {$2500.00} XXXX and subsequently referred the matter to collections through Brown & Joseph LLC. Additionally, reservation-of-rights communications and declaratory-judgment positioning were handled through counsel acting on behalf of XXXX. The same coverage-position counsel was later involved in communications supporting recovery of the {$2500.00} XXXX. This indicates that XXXX did not activate a defense role prior to seeking recovery of the XXXX amount. XXXX correspondence states that payment of the XXXX is a condition precedent to any duty to defend or indemnify. However, XXXX simultaneously pursued declaratory relief regarding coverage before activating any defense obligations tied to the XXXX requirement. XXXX correspondence further states that only fees and costs paid directly by the insured may satisfy the XXXX. In this matter, defense activity was handled by XXXX XXXX XXXX XXXX rather than XXXX XXXX XXXX XXXX XXXX, and XXXX did not incur defense expenses on behalf of XXXX XXXX XXXX XXXX XXXX. This sequence suggests the XXXX was not used as an operational defense trigger during claim handling, but instead was later treated as a collectible balance after coverage litigation positioning had already begun. XXXX XXXX XXXX XXXX XXXX respectfully requests clarification from XXXX identifying : Any investigation expenses paid by XXXX on this claim Any defense costs paid by XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. Any written coordination requesting XXXX satisfaction during claim handling The policy authority permitting referral of the XXXX to collections without claim participation Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Complaint No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
Issue : Auto Loan SCRA Violation / Improper Handling of XXXX XXXX I am an XXXX XXXX service member XXXX XXXX XXXX XXXX on XXXX status ), and I had an auto loan with Santander XXXX XXXX that began in XXXX. I formally requested Servicemembers Civil Relief Act ( SCRA ) protections, including the required 6 % interest rate cap. However, Santander failed to properly apply these protections and did not handle my request correctly. Despite my XXXX XXXX status and eligibility, I continued to be charged improperly and did not receive the relief required under federal law. Due to Santanders failure to correctly apply SCRA protections, I was placed under financial strain and ultimately forced to voluntarily surrender my vehicle because I could not afford the loan without the legally required adjustments. I believe Santanders actions constitute a violation of the Servicemembers Civil Relief Act. I am requesting : - A full review of my account - Refund of any excess interest and fees charged above the 6 % cap - Compensation for damages resulting from this situation - Correction of any negative credit reporting associated with this account I am prepared to provide documentation, including my XXXX XXXX orders and proof of my SCRA request. I request that this matter be investigated and resolved promptly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Omni Financial Corp.
State: CA

Complaint narrative:
CFPB FOLLOW-UP WHAT HAPPENED WITH CLAIMED INVESTIGATION In my original complaint, I explained that an auto loan was opened in my name without my knowledge or authorization around XX/XX/year>, with an original balance of approximately {$53000.00}. After submitting my complaint and identity theft documentation, the company responded stating that they attempted to verify my identity and concluded the account is accurate. However, their conclusion appears to be based on issues related to my identification documents rather than proof that I authorized the account. Specifically, the company stated that my Social Security card appeared tampered and that my identification could not be validated through DMV records. These issues are directly related to the identity theft I reported. My identification was impacted as part of the fraudulent activity, including my ID being canceled due to misuse of my identity. The company has not provided any documentation showing that I : Applied for the loan Signed any contract Took possession of any vehicle Instead, they relied on the condition or status of my identification documents to conclude the account is valid. I have already : Disputed the account with the credit bureaus Filed an official Identity Theft Report with the Federal Trade Commission Provided notice that this account was opened without my authorization Despite this, the account continues to be reported as mine. This is not a proper investigation. The presence of identity theft should require verification of authorization, not a conclusion based on document irregularities. WHAT I AM REQUESTING I am requesting that the company : Delete the account from all consumer reporting agencies immediately Cease reporting and any further activity related to this account Correct their records to reflect that this account was opened as a result of identity theft If the company maintains that the account is valid, they must provide actual documentation showing that I authorized the account, including a signed contract and proof of vehicle possession. The account was not opened by me, and continued reporting is causing ongoing harm. As part of resolving this identity theft situation, I am currently in the process of correcting and updating my identification documents. My identification was affected due to the fraudulent activity, which has required me to work with the appropriate agencies to restore accurate records. Please also note that I am currently XXXX months XXXX, so there XXXX be slight delays as I complete this process. I am actively working to provide any necessary documentation as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am filing a complaint against Citibank regarding an unresolved electronic bill payment error and their refusal to assist in recovering misdirected funds. On XX/XX/year>, I initiated an electronic bill payment of {$530.00} from my Citibank checking account ending in XXXX. The intended payee was XXXX XXXX. However, due to a system mapping issue, the payment was incorrectly processed and sent to XXXX XXXX XXXX XXXX XXXX, where I do not hold any account, policy, or business relationship. After identifying the error, I immediately contacted Citibank to request assistance in recovering the funds. Citibank has refused to initiate an ACH trace, recall, or payment recovery request to the receiving institution. Instead, they advised me to contact the receiving entity directly. I also contacted XXXX XXXX XXXX XXXX XXXX, and they informed me that they can not return the funds without a formal request from the originating financial institution ( Citibank ). This has created a situation where both institutions are refusing responsibility, and my funds remain inaccessible. Citibank has provided written confirmation of the transaction, including : Reference Number : XXXX Trace Number : XXXX Payment Date : XX/XX/year> Amount : {$530.00} Payee listed : XXXX XXXX While Citibank states that this letter may be used as proof of payment, they have not taken any steps to correct the misdirected payment or initiate recovery efforts. Citibanks refusal to initiate a trace or ACH recovery request has directly prevented the return of my funds. The receiving institution has confirmed that funds can not be released without an official request from the originating bank, leaving me without any resolution path.

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 2026-04-10 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am filing this complaint regarding unauthorized and fraudulent activity on my American Express account. I did not authorize the transactions associated with this account, and I did not benefit from them in any way. I believe my account information was compromised or misused. Additionally, there is a serious issue with the address on the account. An address I have never used or lived at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV ) was associated with my account without my knowledge. This address is not connected to me in any way. When I originally applied for the account in XXXX, it was associated with my workplace at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, which is the only address I have used in connection with this account. I also did not receive any billing statements, email notifications, phone calls, or text messages regarding these transactions or any outstanding balance. My email did not receive any statements or alerts, which prevented me from identifying the issue earlier. I only became aware of this issue after being contacted by a debt collection agency regarding a balance of approximately {$11000.00}. I have disputed this debt and reported the matter to American Express as fraud. I have also filed a police report regarding this incident. Despite this, the account has been placed into collections. I am requesting that American Express conduct a full investigation into this matter, including the unauthorized transactions and the incorrect address added to my account. I request that all fraudulent charges be removed, that I not be held responsible for this balance, and that any negative credit reporting related to this account be corrected or removed. I also request that all collection activity be suspended while this investigation is ongoing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: IA

Complaint narrative:
I am a victim of identity theft. I have been receiving mail and harassing and threatening telephone calls of profane, vulgar and abusive language from USCB Corporation Representatives, regarding a fraudulent debt collection account from XXXX XXXX for {$1300.00}. The USCB Corporation debt collection account is a fraudulent account and isnt my account. The debt collection account do not belong to me. I have never attended XXXX XXXX. USCB Corporation is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal 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 2026-04-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this formal complaint against Wells Fargo regarding their failure to finalize a refund following an account takeover and their subsequent improper demand for payment and interest on a confirmed billing error. Description of the Issue : On XX/XX/year>, my XXXX XXXX card account was compromised in an account takeover. A fraudulent charge of {$8000.00} was placed on the account. I reported the fraud immediately ; however, due to technical complications likely related to the Wells FargoXXXXXXXX XXXX XXXX XXXX only {$8000.00} was initially disputed. I followed up to dispute the remaining {$30.00}. Wells Fargo subsequently issued a formal letter explicitly stating that the {$30.00} dispute was reviewed in my favor and that the charge would be reversed. The Violation : Despite this written confirmation and multiple follow-up calls where representatives acknowledged the error and promised the credit would post, Wells Fargo has failed to actually credit my account. Their internal systems are now in direct conflict with their written legal obligations. I am attaching the following evidence to demonstrate their failure to comply with federal law : 1. Approval Letter : Stating the {$30.00} dispute was reviewed in my favor and will be reversed. 2. XXXX Statement : Acknowledging the {$30.00} is in dispute and stating I am not responsible for that amount. 3. XXXX Statement : Contradicting the above by stating I will be charged interest and late fees if the balance ( including the {$30.00} ) is not paid in full. This is a direct violation of Regulation Z, 12 CFR 1026.13 ( d ) ( 1 ). Under the Fair Credit Billing Act, once a creditor determines a billing error occurredas Wells Fargo has done here in writingthey are required to credit the account and remove all related finance charges. Demanding payment under threat of fees for a confirmed error is a failure to uphold these mandated consumer protections. Desired Resolution : 1. Immediate credit of the remaining {$30.00} fraudulent balance, plus any interest and late fees 2. A formal correction to ensure no negative credit reporting results from this {$30.00} balance. I have attached the approval letter and the XXXX and XXXX statements as evidence of these improper billing practices.

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