vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
On XX/XX/year> I purchased a {$500.00} XXXX gift card from XXXX. I tried to use it numerous times, but it declined all charge attempts. I contacted the company four times. Each time they either told me to try the card again, they sent replacement cards, or they sent a letter to me stating that they re-activated the card would and it would work. It still has never worked. I have also submitted a claim for three other {$500.00} cards. I am still trying to get them to work so I may spend the money I put on the cards when I purchased them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/year> Regarding Wells Fargo Bank Subject : Formal Dispute and Request for Correction Business Line of Credit Account # XXXX Attention XXXX Line of Credit Department : I am writing to formally request an immediate review and correction of discrepancies related to my Business Line of Credit account referenced above. Upon reviewing my line of credit, I identified inconsistencies concerning the interest rate margin. Interest Rate Margin Discrepancy My original executed loan agreement specifies that the applicable interest rate is calculated at Prime Rate plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). However, my recent account records and billing statements appear to reflect a rate calculated at XXXX % since past XXXX years approximately. This discrepancy materially alters the financial terms of the agreement and has likely resulted in excess interest charges being assessed to my account. I respectfully request the following : Immediate correction of the account interest rate A complete audit of all interest calculations applied to the account ; and Reimbursement or credit for any overpayments resulting from the incorrect interest rate application. Please provide a written response addressing these matters within XXXX business days of receipt of this letter. If additional documentation is required, including copies of the original executed agreements, I will provide them. I appreciate your immediate attention to this matter and expect a timely resolution. Please confirm receipt of this correspondence and advise regarding the steps being taken to investigate and correct these discrepancies. Thank you

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 2026-05-25 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: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
I am filing my XXXX CFPB complaint against SoFi Bank, N.A. ( Account ending XXXX, Dispute Case XXXX, XXXX XXXX, amount {$1200.00} ). My XXXX prior complaints were closed after SoFi responded with letters containing verifiable factual errors that I can disprove with my own documents. The dispute began when online merchant XXXX XXXX changed a product listing description after I filed a complaint ticket I have a timestamped screenshot proving the item I received was not listed when I purchased. After the merchant refused to resolve it, I called SoFi on XX/XX/XXXX at XXXX XXXX and spoke for XXXX minutes. SoFi 's formal CFPB response states I called on XX/XX/XXXX my XXXX phone record proves this is wrong. SoFi denied my claims XXXX times, each time for a different reason that was never clearly communicated to me before the denial. First they said I did not submit information in time false, SoFi 's own letter confirms I submitted on XX/XX/XXXX, the exact deadline in their letters. Then they said my submission was not itemized per transaction a format requirement that does not appear anywhere in the letters SoFi sent me, which are now in this CFPB file. Then they added that I never provided proof of return something I was never asked for and that is not required under the FCBA before disputing a charge. SoFi sent required notices by physical mail to my paperless account despite email, text, and push notifications all being active. I never received those letters. On XX/XX/XXXX, a SoFi dispute department agent confirmed on a XXXX-minute recorded call that my claims were incorrectly filed by the original agent SoFi 's formal letters deny this, contradicting their own employee. The specific format I needed was not communicated to me until XX/XX/XXXX the same call SoFi used to close my case citing an expired window that lapsed due to their own mishandling. On XX/XX/XXXX, a named XXXX agent told me SoFi sent XXXX letters on XX/XX/XXXX SoFi 's own CFPB file shows XXXX letters on XXXX separate days. I am attaching my XXXX phone records, the timestamped screenshots, SoFi 's own letters, and my full case summary. SoFi 's own uploaded documents contradict their stated reasons for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
I was unemployed and going through a divorce and my ex-husband was not paying his portion of the mortgage, so under the advice of my attorney, I opted into the hardship forbearance program with XXXX XXXX. I was advised that under this program, which I qualified for due to my unemployment, I would have 12 months ( until end of XXXX ) to repay the full amount due and then it would not impact my credit report as a serious delinquency. I sold the home and paid the loan off in full in XX/XX/XXXX in order to meet the terms that I agreed to. I immediately started the process of getting this off my credit reports because XXXX XXXX was reporting out late payments even after the entire loan was paid off. XXXX XXXX investigated and determined they did nothing wrong and would not provide documentation of the terms of the hardship forbearance ( only previously discussed over the phone ). During the forbearance, I had monthly calls with XXXX XXXX to discuss where I was at with the process and if I was on track to repay the loan based on the terms. I tried to secure a loan the following year and was told it should fall off my credit report in a year. I tried again this year and am now being told they reported out a serious delinquency and reported late payments into XX/XX/XXXX - after the loan was paid in full and the status was moved to closed. Prior to the forbearance, my loan was in good standing. I have tried all avenues to take this up with XXXX XXXX directly to have this corrected, but they are not cooperating. XXXX had to change its name because of bad consumer reporting for exactly these types of issues. I took out the loan with XXXX and they transitioned the loan to this company. It was never of my choosing or I would've opted for a more reputable lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, between approximately XXXX XXXX and XXXX XXXX, I was the victim of a physical robbery in XXXX, NY. My mobile phone was forcibly stolen after the perpetrators observed my passcode, giving them access to the device and my financial accounts. I immediately filed a police report documenting the theft. A few hours later, unauthorized XXXX transfers totaling {$1000.00} were made from my Bank of America account using the stolen device. The transfers were sent to an unauthorized recipient without my knowledge or permission. I did not initiate, authorize, or benefit from these transactions in any way. I promptly reported the unauthorized transfers to Bank of America and provided the police report in support of my fraud claim. On XX/XX/year>, Bank of America denied the claim, stating that the transactions were valid because they originated from a recognized device and were authenticated using a code sent to my phone number. However, the perpetrators had physical possession of my stolen phone and active SIM card at the time of the transfers. As a result, any device-recognition or SMS authentication measures would have appeared valid even though the transactions were unauthorized. Under the Electronic Fund Transfer Act and Regulation E, consumers are protected against unauthorized electronic fund transfers resulting from the theft of an access device. Despite the documented robbery and supporting police report, Bank of America denied my claim without adequately accounting for the circumstances of the theft and resulting account takeover.

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 2026-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
On XX/XX/year>, I made a full payment of {$970.00} to my credit card account with Comenity Bank. The payment has posted, and my account shows a {$0.00} balance and full available credit. Despite this, my card is still being declined when I attempt to make purchases. This shows that Comenity Bank is continuing to restrict my account, even though it appears fully available. I contacted Comenity Bank multiple times to resolve this issue. I asked for a clear explanation and requested that any restrictions be removed. I was told I may need to wait up to 14 business days, but no specific reason was provided for why my card is being declined despite the payment being completed. There has been no returned payment, no fraud issue, and no problem with the transaction. The payment was successful, posted, and applied to my account. This is misleading and unacceptable. My account shows available credit, yet I am unable to use it. This creates financial disruption and reflects a lack of transparency in how Comenity Bank handles payment holds and account restrictions. I am requesting : Immediate removal of any restrictions preventing transactions A clear explanation for why my card is being declined despite available credit A review of this practice for compliance with consumer protection standards This issue remains unresolved and continues to prevent me from using my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Dispute regarding unfulfilled bonus points due to internal bank miscommunication I am filing a complaint against Chase regarding their failure to rectify a significant error made by their representatives. On XX/XX/2026, I contacted Chase customer service to inquire about matching a higher sign-up bonus offer. A case was created in the Chase system to review this request with the Marketing department. During that call, the representative explicitly assured me that I would receive XXXX points. Relying on this clear commitment, I proceeded with my financial plans. However, I subsequently received notice that the Marketing department had denied the match. When I followed up with Chase customer service again on MXX/XX/2026, the representative confirmed that a case was indeed created on XX/XX/XXXX regarding my request. Furthermore, this representative admitted that the agent I spoke with on XX/XX/XXXX had committed a professional error by promising XXXX points when the request was still pending review. Chase has officially acknowledged this internal miscommunication as a " service error, '' yet they refuse to provide any compensation or honor the commitment made to me. I believe it is unreasonable for me to bear the consequences of Chases internal error. I am not requesting a standard bonus match, but rather asking for the fulfillment of the specific promise made by an authorized Chase representative. I request that the Executive Office or the Compliance Department review the call logs from XX/XX/2026, and honor the XXXX commitment that their staff explicitly promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
The amount that is owed is not Dear Sir or Madam, I am formally disputing the accuracy, validity, and reporting of the above-referenced account currently appearing on my consumer credit reports. I never agreed to pay the amount currently being reported, and I dispute the validity of the alleged balance in its entirety. Furthermore, this alleged debt was transferred to a secondary collection agency, IQ Data XXXX XXXX, without sufficient proof that the amount claimed is accurate, authorized, legally enforceable, or properly assigned. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a full investigation and complete validation of this alleged debt. I requested this XXXX XXXX XXXX and did not receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: CO

Complaint narrative:
In mid XXXX, we received a package in the mail. We thought that it was a XXXX gift and we opened it. The package was from a catalog company called XXXX XXXXXXXX XXXX It was an electronic XXXX XXXX XXXX. We realized that it was not a gift from family and we returned it in XXXX. We have the receipt from USPS and that XXXX XXXX received it back. It was in the original package and we never used it. We then started to get past due notices from XXXX XXXX. We contacted them and they didn't respond. The past due amount has now been handed over to XXXX XXXX XXXX for collection. We see online that XXXX XXXX 's has multiple scam reviews. We are not the only one. We never asked for the electronic XXXX. We need assistance with getting this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello i made a purchase on XXXX XXXX for amount of {$750.00} around that amount and they immediately blocked it and marked it as fraud, i then called to confirm that it was me. The bank proceeded to lock me out of online banking saying that they will mail me a reference code to identify me. This happened in XXXX we are now in XXXX and i have yet to receive a reference code in the mail. Ive walked into a citibank branch and all representatives have told me was to just wait on the reference code to come in the mail because they cant help me until they receive that code from me. Were about to be in XXXX its going on four months since ive had access to my account and to the money thats on the account.

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 2026-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH

Complaint narrative:
I requested an itemized statement for a student account from the university I attended some years ago, I never received it. I wanted to make payment arrangements with them instead they sent me to collection, and the amount owe that's on the statement, it's not correct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 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: Netspend Corporation
State: NC

Complaint narrative:
So Ive had countless problems with my XXXX orders and most times doordash would deny me any credit or compensation even with proof. I reached out to the restaurant I had an issue with ( XXXX ) and submitted 2-3 complaints and never heard back. So I submitted a dispute with the bank I used to purchase the item. ( ACE Flare ). They denied pretty much all of my claims even with proof. My order is made wrong or not correct or made terribly, I think I deserve a refund. Claim for wingstop was open on XX/XX/year>, Claim was closed and denied on XX/XX/year>. So theyre really slow when it comes to investigating claims.

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 2026-05-25 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I financed dentures through CareCredit Synchrony in the amount of {$2400.00} XX/XX/XXXX I received the product XX/XX/XXXX they did not fit properly I RETURNED to the XXXX XXXX 4 times for adjustments XX/XX/XXXX + XX/XX/XXXX XXXX and finally a XXXX XX/XX/XXXX after which I was told nothing more could be done and was told no one wears their bottom XXXX anyway. So I tried going without but I can not eat properly, I constantly choke and my words are incorrect. I then disputed with Care credit for 1/2 of the fee so I could go somewhere else. Ref # XXXX on XX/XX/XXXX and on XX/XX/XXXX the XXXX XXXX XXXX denied my dispute that there is no quality concern at the time I received the merchandise, although the dentist replied with all the dates I returned for adjustments.

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 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
On XX/XX/XXXX at approximately XXXXXXXX XXXX. XXXX time, I called XXXX to explain that I had been attempting to activate my card, not realizing that the card in my possession was actually my old card. As a result, my account was locked. I explained that I do not have the new card because I likely threw it away, mistakenly believing it was the old XXXX, and therefore never activated it. The representative from your fraud department advised me that I would need to order another card, which I understood and accepted. However, I was then informed that I would need to fax copies of my Social Security card, drivers license, and a utility bill to verify my identity. I find this request unreasonable and uncomfortable. I do not feel secure sending highly sensitive personal information to a fax number. I advised the representative that if Barclays could not verify my identity using the information already on file, then I would prefer to cancel my account. I also explained that my balance is currently XXXX, but I am concerned about being charged the {$99.00} annual membership fee. The representative then verified that my account balance is indeed XXXX and informed me that my account could not be canceled unless I first faxed the requested documentation. This is extremely frustrating. At this point, I am unable to obtain a replacement card or cancel my account unless I provide sensitive personal documents to a fax number that I can not independently verify as secure or legitimate.

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