vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been with Bank of America for a while, so I am an established customer, with established accounts. I currently work for my family as the caretaker, and have been depositing my check monthly for the past few months. It is a personal check, in the same amount every month being depositing. The bank that the check is coming from is a well known bank, and there has never been an issue with that bank having the funds. Typically, when I have deposited this check in the past it has been cleared in 2 days. This past week I made a deposit, and they are now holding it for 5 days. There is no reason to be holding it that long. The check is s little over {$1000.00}, so not a large amount either. I have tried to contact the customer service multiple times, but they refuse to assist. They just continue to tell me what I already know that funds will be available on the 4th day. I have bills to pay, I live paycheck to paycheck. I have children, I need my money that I've worked for in a timely manner. Having to wait a week is ridiculous, and not feasible. I need assistance in getting this check cleared. This has been causing such issues in my life.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: WI

Complaint narrative:
We are reporting an attempted business identity theft involving our company, XXXX XXXX XXXX XXXX. 

On XX/XX/year>, we received multiple emails from U.S. Bank stating that a business checking application had been submitted in our companys name. We did not submit or authorize this application. 

Fraudulent application details from the email we received : Business name : XXXX XXXX XXXX XXXXXXXX Product : Platinum XXXX  Checking Package Application number : XXXX Email used : XXXX ( an old business-related email, not used by U.S. Bank legitimately XXXX We immediately attempted to contact U.S. Bank to stop this and prevent a fraudulent account from being opened. 

Call attempts : XX/XX/year> at approximately XXXX AM : We spent approximately XXXX minutes on the phone. The representative refused to open a fraud case or provide a reference number. 

XX/XX/year> at approximately XXXX AM : We called business support. After approximately XXXX minutes, the call was disconnected. Again, no case was opened and no reference number was provided. 

During these calls, we provided our XXXX  information and XXXX. We were asked to provide Social Security numbers even though we do not have, and have never had, a U.S. Bank account. We were uncomfortable providing SSNs under these circumstances. We were still refused assistance and documentation. 

We also attempted to submit written notice by email to U.S. Bank fraud and corporate contacts. All emails were rejected as undeliverable, indicating U.S. Bank is not accepting external written fraud reports through published email channels. 

We are filing this complaint because we are trying to prevent a fraudulent business account from being opened in our companys name, and U.S. Bank has refused to document the fraud attempt, provide a case number, or confirm that the application has been stopped. 

We are requesting that U.S. Bank : Immediately investigate and cancel this unauthorized application. 

Confirm in writing that no account has been opened. 

XXXX our XXXX  name and XXXX for attempted XXXX  identity theft. 

Provide written acknowledgment and a case or reference number. 

We are preserving all emails, call logs, and delivery failure notices as evidence of our good-faith efforts to stop this 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 non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
A woman that was stranded in the streets that was asking people to lend her a phone to make a phone call to her family to come pick her up so I let her use my phone to make the call to her family meanwhile she was calling her family she had him a speaker I never noticed that she went through my apps and XXXX  was going through my phone and checking and seeing that I had XXXX  account on my phone as she was using the phone the phone was unlocked so she went to my account and sent my last {$25.00} that I had in my account that was deposit for gas to go to work she's transfer that money to her phone to herself without me knowing without asking me and I called chime and I told him what happened and chime said that they're not responsible or not going to help me out of getting my money back or anything like that but that's my fault and I don't deserve to be getting a refund or anything this is the XXXX  time already that I had a situation with XXXX  don't XXXX  XXXX  for more money and they never did nothing about it and those are claim made out and they never got back at me they said that it was a case closed that they couldn't do nothing about it that the person who took my money was someone that XXXX  XXXX  fraudulent team said that there's no action for me XXXX  you get my money back please there was no ferrado scam that was done to me this is the XXXX  time already I realized close to {$400.00} with trying so and their supervisor and their employees said that they can't help me at all that there's no action there's no claim for me to file or dispute XXXX  I let that person use my phone but to make a call only not to go to my apps can you help me out please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
A credit card account was opened in my name from XXXXXXXX XXXX XXXX XXXX Card is issued by Synchrony Bank for which I did not authorize or sign up for I have notified XXXXXXXX XXXX XXXX XXXX and XXXX  credit check I have emails saying my credit card is on the way.

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 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Beware of doing business with American Express XXXX XXXX They do not stand behind their customers and protect them from fraud and unauthorized control of your account. They have security issues and their systems have been hacked. Amex refuses to remedy these issues only to say you have XXXX days to notify them of any problems. I lost in excess of {$34000.00} XXXX over XXXX  years in their XXXX XXXX XXXX Account with Amex . 

I opened a high yield savings account XX/XX/XXXX XXXX {$34000.00}. I never withdrew any money or authorized payments to XXXX parties. Amex never notified me of ( XXXX ) XXXX withdrawals in XXXX, ( XXXX ) XXXX withdrawals in XXXX, ( XXXX XXXX XXXX  withdrawals in XXXX, ( XXXX ) XXXX  withdrawal in XXXX. 

My account was hacked and the email, phone number, and setting for paperless notifications was changed. The XXXX withdrawals were made by a XXXX XXXX, and XXXX XXXX to credit card companies. I do not know either of these women. All Amex notifications were going to the changed email. I never received them. They withdrew all the funds except {$5.00}. Only in XXXX of XXXX Amex sent me letter by XXXX that the account has been dormant for XXXX months. That's when I contacted them and asked for my balance and discovered all my funds had been withdrawn. 

I asked why they didn't notify me sooner they said they sent me statements by email. The email was changed. This was a XXXX XXXX XXXX not a checking account. Didn't it seem odd that account changes were made and then frequent XXXX withdrawals started right away? Why didn't they freeze the account? Why didn't they notify me in writing? Why did they not question who this XXXX party was? 

When I told them that I want my money returned bc it was fraudulently withdrawn without my authorization or knowledge they said I should have reported the fraud within XXXX days of the occurrence. How do I do that if I didn't know the fraud had occurred? Amex has a fiduciary responsibility to guard customers against fraud, unauthorized withdrawals, changes of personal information, strange activity in the account, and to notify the account holders of such. Their position is its too bad the XXXX days lasped, and they are not responsible, and I'm out {$34000.00} XXXX. Do not trust your money with this irresponsible company. They obviously have issues with security and refuse to assist long term customers with a solution. They have not responded back. Beware, do not use thier banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Kentucky Higher Education Assistance Authority
State: KY

Complaint narrative:
I am submitting this complaint regarding the inaccurate and unfair credit reporting practices related to my student loan account serviced by XXXX.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers of information have a duty to ensure that all information reported to consumer reporting agencies is complete, accurate, and verifiable. I am disputing the manner in which XXXX is reporting late payments on my account, as I believe the information is being furnished without proper verification and does not accurately reflect my current repayment status. 

Under 15 U.S.C. 1681s-2 ( b ), once a dispute is raised, a furnisher is required to conduct a reasonable investigation and verify the accuracy of the information being reported. Despite my efforts to address this matter directly with XXXX, the late payment history continues to be reported without sufficient validation or explanation of how the dates and delinquency statuses were determined.

Additionally, 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies and furnishers follow reasonable procedures to assure maximum possible accuracy. The continued reporting of historical late payments, without consideration of my sustained on-time payment history and current good standing, is misleading and disproportionately harmful. 

I am requesting that XXXX : Provide full verification of the reported late payments, including payment application dates and billing records Correct or remove any information that can not be fully verified as accurate Ensure all reporting complies with the Fair Credit Reporting Act and reflects the true status of my account I am not requesting the removal of accurate information without cause. I am requesting a lawful investigation, proper verification, and fair reporting consistent with federal consumer protection laws. 

I respectfully request XXXX  written response and resolution through the CFPB complaint process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd

Complaint narrative:
Wise.com is refusing to help me in retrieving my old account from them. I reached out via email and the representative who assisted me insists that I should call their hotline number instead of reaching out via email for resolution. 

I ask them that why they have an email support if they would direct me to call, so I did call the next day. A representative picked up my call but keeps pretending that she cant hear me despite me making sure I'm not muted and I kept talking on the call. So, that resulted to hanging up the call since the representative says that she can not hear me but I feel like they are evading my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am filing this complaint against Sunrise Credit Services regarding collection account # XXXX in the amount of {$280.00}, which is being reported on my credit report. 
The first violation is that I never received any written notice or validation letter from Sunrise Credit Services before this account was placed on my credit report. Under FDCPA 809 ( a ), a debt collector must provide written notice of the debt within five days of initial communication. Sunrise Credit Services failed to comply, yet proceeded to report the account to the credit bureaus. 
After discovering the tradeline, I formally requested debt validation. To date, Sunrise Credit Services has provided no validation. I am fully aware of what lawful validation requires. Proper validation must include : proof I am the correct consumer, proof of legal liability, a copy of the original contract or agreement, an itemized accounting of the balance, proof of assignment or authority to collect, and documentation showing how the balance was calculated. Sunrise Credit Services has provided none of this. 
Instead, Sunrise Credit Services continues furnishing this account without any supporting documentation. Reporting a debt without validation while it is disputed violates FDCPA 809 ( b ), FCRA 607 ( b ) ( maximum possible accuracy ), FCRA 611 ( a ) ( reasonable reinvestigation ), FCRA 623 ( a ) ( 1 ) ( furnishing inaccurate information ), and XXXX XXXX reporting standards, which require complete, accurate, and verifiable data. 
A balance alone is not validation. A tradeline is not proof. Internal system records are not lawful verification. Sunrise Credit Services is publishing unverified information as fact.

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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OH

Complaint narrative:
My Cash App account was closed without prior notice and without identification of a specific Terms of Service violation. 
I used Cash App for personal transactions and Cash App Borrow. All Borrow advances were taken within approved limits and repaid in full and on time, typically immediately upon receipt of my paycheck. I never missed or delayed a payment. 
At no point was I informed of what specific activity allegedly violated the Terms of Service, nor was I given an opportunity to correct or adjust my behavior before account termination. 
The closure resulted in loss of access to core payment services and disruption to my financial management. While I was able to withdraw remaining funds, the termination itself caused avoidable inconvenience and uncertainty. 
I am also aware of a recent massive uptick of consumer complaints describing similar unexplained account closures under comparable circumstances, suggesting this may not be an isolated incident with no resolution offered by Cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
* XX/XX/XXXX Cash payment to TD CC {$1700.00} between XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX alerted by my XXXX  XXXX that {$1700.00} was transferred out of his checking account * XX/XX/XXXX Visited XXXX XXXX XXXX spoke with manager that repeated 4 total times that XXXX is the only male teller that works there ; but I didn't make payment with him- I described teller, Very personable, in cardigan sweater, we chatted briefly about XXXX and my weekend etc * XX/XX/XXXX XXXX XXXX Senior Manager | Customer Advocacy and Insights I Office of the CEO Email alerted of situation * XXXX XXXX Customer Experience Officer II | Retail CRT Customer Advocacy and Insights , Office of the CEO - assigned to my case * Between XXXX several phone conversations between XXXX & I to confirm XXXX, location, accounts, time, amount etc * XXXX I left several phone messages with XXXX to follow up with No replies * XX/XX/XXXX Emailed TD XXXX XXXX & XXXX XXXXr requesting that no video or transactions be deleted from the data record at XXXX XXXX XXXX MA location from XX/XX/XXXX for further evidence as no reply or action was received by me * XX/XX/XXXX Email from XXXX F at TD that case is closed, couldn't find me on video, and letter was sent to state their findings XX/XX/XXXX * XXXX I email reply that not letter was ever received. I CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX  XXXX in case I need legal counsel moving forward ) * XX/XX/XXXX Second email from XXXX XXXX with a predated letter XX/XX/XXXX attached after I had replied that I never receive a letter or any response in my case

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I went to my banks branch atm, and deposited {$490.00} into the machine XXXX, it took my money, and then displayed an error on the screen saying the atm. It kept my money the branch was open I immediately went inside to report the problem thinking they could just open the machine and retrieve my money but that was not the case. They opened a claim and said my money would be returned to my card in a couple days, still nothing has happened. The bank is Santander

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal XXXX XXXX was used for multiple unauthorized transactions that I did not make, authorize, or benefit from. 

These fraudulent transactions were processed through my PayPal account using my PayPal XXXX XXXX and occurred between XX/XX/year> and XX/XX/year>. The charges include payments to merchants such as XXXX XXXX, XXXX XXXX, restaurants, and online clothing retailers. 

I did not recognize these transactions and did not approve them. After discovering the unauthorized activity, I reported the fraud and attempted to resolve the issue through PayPal. 

Despite reporting the fraud, the unauthorized transactions were not fully reimbursed. I believe these charges qualify as unauthorized debit card transactions and should be refunded. 

I am requesting assistance to have PayPal properly review these unauthorized transactions and return the funds taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
The alleged debt was the subject of a small claims case filed by XXXX XXXX XXXX. I filed a counterclaim. On XX/XX/XXXX, after mediation, the plaintiff dismissed its claim with prejudice and I dismissed my counterclaim with prejudice per court minutes. No judgment was entered and there is no court-ordered obligation to pay this amount. 

I disputed this account with the credit reporting agency because the balance is inaccurate. Despite the dismissal with prejudice and absence of any judgment, MARS INC verified the account as accurate and reported it as owed. The company provided a copy of a lease but did not provide documentation establishing a legally enforceable balance or liability after the court dismissal. 

On XX/XX/XXXX, I sent MARS INC a written request for debt validation under 15 U.S.C. 1692g. The debt remains disputed and unsubstantiated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am disputing charges on my Comenity Bank credit card account that originated from an unrecognized {$2.00} paper/print statement fee. I was not aware this fee was being charged and did not receive clear notice that failure to pay it would result in late fees. 
Because the {$2.00} charge went unnoticed, Comenity Bank assessed repeated late fees and interest, causing the balance to escalate to nearly {$90.00}, despite no purchases being made on the account. 
This balance consists almost entirely of fees and interest and is disproportionate to the original charge. Had I been aware of the fee, it would have been paid immediately. 
I am requesting a reasonable resolution due to lack of clear disclosure and the excessive escalation of fees from a minimal charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Stellantis Financial Services US Corp.
State: MI

Complaint narrative:
On XX/XX/XXXX, I sent a written dispute to 1st Investors Financial Services regarding serious inaccuracies on my auto loan account ( Account No. XXXX ). The dispute addressed incorrect payment count, an unauthorized loan term extension, and an inflated loan balance. 
It has now been well over 30 days, and the company has not responded, provided documentation, or corrected the account, in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 
What is incorrect? 
* The servicer reports only XXXX payments, when I have made XXXX payments : * XXXX payments at {$620.00} * XXXX payments at {$300.00} * XXXX payments at {$630.00} * My refinance agreement reflects a 49-month term beginning XX/XX/XXXX, yet the company reports a maturity date of XX/XX/XXXX, extending the loan by over 29 months without authorization or disclosure. 
* The reported balance of {$12000.00} is inaccurate. Based on my payment history and the contractual loan term, the balance should be approximately {$6500.00} {$7600.00}. 
It appears the servicer may have : * Improperly capitalized interest * Charged interest beyond the contract maturity * Failed to properly apply payments * Extended the amortization without my consent

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