vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Conduent Incorporated
State: AL

Complaint narrative:
I entered my Way2Go prepaid card information on XX/XX/XXXX in response to an online advertisement for what I believed was a XX/XX/XXXX-time purchase for perfume. The advertisement did not clearly disclose that I would be enrolled in multiple recurring memberships. After entering my card information, I was charged by multiple unrelated companies that I do not recognize and did not knowingly authorize : XXXX XX/XX/XXXX {$44.00} XX/XX/XXXXXX/XX/XXXX {$15.00} XXXX XX/XX/XXXX {$37.00} I attempted to cancel these memberships on XX/XX/XXXX through their websites. Although the sites confirmed that my memberships were canceled, additional charges were attempted and/or processed afterward, including higher amounts than the original charges. I contacted my card issuer, the Way2Go Card, and disputed these charges as unauthorized and deceptive. My disputes were denied on the basis that the transactions were authorized, despite the fact that I was misled into recurring billing without clear consent and charged by multiple unrelated companies. This situation involves deceptive advertising, unauthorized recurring charges, and failure to honor cancellations. I have since canceled my card to prevent further unauthorized transactions. I am requesting a full refund of all charges related to these merchants and a proper investigation into both the merchants and the handling of my dispute. The involvement of multiple unrelated merchants and continued charges after cancellation clearly indicates deceptive merchant practices, not informed authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Someone phished my Serve American Express Card by XXXX XXXX and made multiple purchases. Altogether the amount was {$420.00} and ALL of the fraudulent purchases were for an online game XXXX game called XXXX XXXX. So I called called the Serve Customer Support Line ( XXXX ) & spoke to someone who told me that they were closing my old card and was shipping me a new one & for me to fill out the fraud dispute report form that they would email me so they could investigate it. So I did as I was directed and filed my claim giving every purchase detail and even sent them proof of an email I had received stating that my online passwords were tampered with and had to change ALL of them. I verified that nobody in my household ( myself ) included had ever even downloaded said XXXX game and that all of our devices have both face and finger print verification. I waited over 2 weeks for them to investigate my claim/dispute report investigation and when I did get the email from Serve, I was told that they concluded that the disputed transactions were consistent with historical purchases and that they were not refunding my money. It is complete XXXX ( excuse my language ). I had only recieved my card less than a week after my tax refund was loaded to my card. And I had only used it at store where I made ATM withdrawals so I could deposit the money I took out into my account I use daily. All of the nearly {$500.00} I had left on the Serve card used in the fraudulent charges that were made. I even informed the store manager to inform the store owner XXXX XXXX 's gas station whom I know personally ) where I made the ATM withdrawals that a phishing device may have been used at his store and he took the matter seriously bc such things has happened before but at his gas pumps. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This debt is fraudulent. I have never lived at XXXX XXXX XXXX. I have no idea about this place or company. I was also in county jail for 2 years during this time. I did not lease an apartment at this place. This has to be the result of identity theft. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I repeatedly contacted Capital One regarding payments being reversed despite sufficient funds at the time I initiated them. I requested investigation and assistance, but my concerns were ignored and no meaningful resolution was provided. As a result, my account was reported negatively, severely damaging my credit. I am requesting a full investigation, correction of inaccurate reporting, and documentation of why my complaints were not addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I previously held a membership with XXXX XXXX XXXX. I did not open my membership at the XXXX, FL location. A few months ago, that location stopped operating as XXXX XXXX XXXX and converted into a XXXX XXXX. At no point was I notified of this change, nor did I authorize or agree to transfer my membership to XXXX XXXX. Despite this, my XXXX XXXX XXXX membership was closed without my consent, and a XXXX XXXX membership was created in my name. I later discovered unauthorized charges from XXXX XXXX on my bank statements, and I immediately instructed my bank to stop the payments. I have never signed a contract with XXXX XXXX, nor have I ever visited or used any XXXX XXXX facility. When I contacted the local XXXX XXXX location and requested proof of a signed agreement, they stated they were unable to provide one. Even though no contract exists, I am still receiving calls from debt collectors claiming I owe money. This debt is invalid, as I never entered into any agreement with XXXX XXXX and did not authorize any transfer of my membership. The amount is for {$320.00} The Creditor name is XXXX - XXXX First Credit Services inc . XXXX location Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I am asking for a investigation on my criedit file. I asking this company not to contact me and they countinued to harass me. i also asked them for a signed contract which i never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: AZ

Complaint narrative:
I got approved for unemployment on the XXXX and Way2go has my card being held hostage and I don't know what to do!!!! They're saying they don't have my apartment number and they refuse to send me my card until I contact unemployment and have them change my address. I have called unemployment and my address was never wrong. Unemployment tells me it's Way2go playing games and refusing to update my address. Way2go and unemployment keep pointing fingers at each other saying the other side is lazy and not fixing my address. My address has been correct the entire time mind you. This has been going on for 2 weeks now and I'm going to get evicted if I dont get my card soon. I'm panicking and dont know what to do or who to believe, but I'm being deprived of legally entitled benefits and that is a serious crime. I spoke with Way2go supervisor GRACE and she swore they have no way of changing my address which I refuse to believe. I suspect attempted fraud and embezzlement. They're likely hoping I'll give up on my money so they can steal my card and use it themselves. Horrible Horrible disgraceful company. Investigate them ASAP and get me my money!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I have a credit card with a promotional rate of 0 % that expired on the statement date ending XX/XX/year>. I then proceeded to pay the entire statement balance the following statement and was charged interest on the next billing cycle. My balance was {$0.00} before the most recent pay cycle, therefore there should be {$0.00} in interest. The balance can not have interest assessed as there is no current balance, 26 % of {$0.00} is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased home furniture from XXXX XXXX and was offered a promotional zero interest credit card through Synchrony Bank. I accepted the offer and established an online payment plan with the intent of paying off the balance within the promotional period. During this process, I was required to opt into paperless ( online-only ) statements. I was fully aware of the promotional expiration timeline and planned accordingly to pay off any remaining balance before the end of the term. However, on XX/XX/year>, as I logged into my Synchrony Bank account nearing the end of the promotional period, I was alarmed to discover that the bank had already begun charging interest at an extraordinarily high rate of 34.99 %, resulting in {$4900.00} in interest charges. At that time, my remaining balance was {$8400.00} on an original purchase of {$10000.00}. At no point did I receive any clear warning or proactive notification that the promotional period was about to expireother than online statements and possibly fine print at the time of account opening. XXXX XXXX also did not provide any reminder or notice regarding the impending expiration. I immediately contacted Synchrony 's representative over the phone on XX/XX/year> and the Synchrony 's Account Manager on XX/XX/year>. They refused to waive interest and were not understanding at all. Had I been adequately notified, I would have paid off the remaining balance in full. The lack of transparent communication combined with the immediate imposition of such a high interest rate is deeply concerning and, in my view, reflects predatory lending practices that disproportionately impact hardworking, middle-class consumers. I respectfully request your assistance in reviewing this matter and urging Synchrony Bank to provide relief from these excessive interest charges.

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 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I sent a written debt validation request regarding this account, which was delivered on XX/XX/year>. The company acknowledged receipt of my request but has never provided proper validation of the alleged debt. Despite this, LVNV Funding LLC and its servicer Resurgent Capital Services have continued collection activity, including sending payment emails and reporting this account as a collection on my credit report on XX/XX/year>. The original creditor tradeline was previously removed from my credit reports after dispute. The current collection account is unverified and inaccurate. They have failed to validate the debt while continuing to attempt collection and report negative information. I am requesting immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am writing to express my concern regarding the recent hold placed on my Huntington account on XX/XX/year>. Upon visiting the bank, I was informed that the hold was due to a check deposited into my account by an unknown individual. The check in question was a business check, and I was not aware of its existence. I had not deposited the check via mobile deposit or in-person at the bank. After a week, the bank notified me and placed a hold on my account. I visited the bank to request that the check be returned, as I had sufficient funds in my account to cover the amount. However, the bank has decided to close my account, which is my only account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am attempting to recover {$5000.00} sent to me via Cash App on XX/XX/year>. The funds were sent to an account I previously owned but no longer have access to. Cash App has confirmed : The account exists The funds exist They will not grant access They will not transfer the balance They will not return the funds to the sender I have provided all requested identity verification and have escalated multiple times. Cash App has stated their internal security system will not allow access and that this decision can not be overridden. They have effectively locked {$5000.00} with no path to recovery other than waiting years for possible unclaimed property processing. I am requesting immediate resolution, either : Access to the account Transfer of the funds This situation is causing financial harm and there is no reasonable resolution being offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
I am writing to dispute the following information that appears on my credit report. Disputed Item 1 : IQ DATA XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Neither company has provided me with validation of this debt, nor did I sign any contractagreeing to the requested amount of {$8400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MI

Complaint narrative:
I am re-filing this complaint because Discover Bank is engaging in deceptive reporting to the CFPB ( Follow-up to closed XXXX # XXXX ). On XX/XX/year>, Discover reported to the CFPB that a " final response '' was provided. However, the physical letter I received ( dated XX/XX/year> ) is a generic referral notice that contains NO substantive information. It completely ignores my demand for debt validation regarding the {$18000.00} balance. The bank intentionally misled the CFPB by claiming the issue was addressed while failing to provide the mandatory mathematical breakdown ( principal, interest, and fees ) required under 15 U.S.C. 1692g. This is a bad-faith stalling tactic to avoid transparency. Furthermore, while the court granted my petition for installment payments on XX/XX/year>, the bank 's refusal to provide an accurate breakdown of the balance prevents me from verifying the amount I am required to pay. I request a full Statement of Account and an investigation into Discover 's deceptive reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PatientFi, Inc.
State: CT

Complaint narrative:
I financed a package of 8 XXXX XXXX XXXX treatments through PatientFi with XXXX XXXX. I completed 5 sessions, but the service location has permanently closed. The remaining services are not reasonably accessible, as the only alternative locations are over an hour away. PatientFi has informed me that my account is now under XXXX, who has taken over servicing these accounts. However, XXXX refuses to initiate a refund or balance adjustment, stating they do not have access to financials. PatientFi is also refusing to assist, stating the transaction is outside their scope and directing me back to XXXX XXXX, which is no longer operational. I am being billed for services that can not be reasonably provided. I am requesting that PatientFi investigate this matter and adjust my balance to reflect only the services received ( 5 out of 8 sessions ), and remove the remaining balance ( {$700.00} ) for services not rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am disputing a {$190.00} international money transfer sent via XXXX on XX/XX/XXXX XXXX using my Chime account ( Ref : XXXX ). The payment was for merchandise that was never delivered. On XX/XX/XXXX the merchant ( Jb ) admitted in writing that they were still in possession of my funds ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I requested a full refund and was left on read The merchant has read these messages ( confirmed by read receipts ) but has refused to issue the refund or provide any proof of shipment. I filed disputes with both XXXX and Chime, but they were denied without a proper investigation into the non-delivery. I am requesting a reinvestigation under Federal Regulation E for a 'Notice of Error ' due to the merchant 's failure to provide the goods and their subsequent refusal to return the funds they admit to holding I have already disputed this with XXXX and Chime, but they denied my claims. I am requesting a reinvestigation under Federal Regulation E because I have documented proof of a merchant admitting they have my money and refusing to issue a refund for unfulfilled goods.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Bank of America and the continued restriction on my account ( XXXX ) despite my full compliance with their identity verification process. This situation began after repeated fraudulent attempts by unknown third parties who have been calling the bank and attempting to gain unauthorized access to my account. I appreciate the banks obligation to protect customer accounts from fraud. However, what followed is both unreasonable and inconsistent. A representative from the banks Fraud Department clearly instructed me that a verification process would be completed by sending a reference number to my verified residential address on file. I was explicitly told that once I received this reference number and confirmed it over the phone, my identity would be verified and access to my account would be restored. I followed these instructions exactly. I received the reference number at my address and contacted the bank multiple times. Each time, I provided the requested information. Despite this, I was repeatedly denied restoration of access and was instead told that I must physically visit a branch location. This directly contradicts the instructions previously given to me by the bank. I am currently located outside of the United States and can not reasonably appear at a branch in person. The bank has refused to provide any alternative verification options, even though : I successfully completed the verification method they themselves initiated I have fully cooperated at every step The restriction is based on third-party fraudulent activity, not my own actions By continuing to deny access under these circumstances, the bank is effectively depriving me of access to my own funds without a valid or consistent justification. This raises serious concerns under : The XXXX XXXX XXXX Reform and Consumer Protection Act, specifically regarding Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) The Electronic Fund Transfer Act, which requires reasonable handling of consumer account access and security General obligations of financial institutions to apply verification procedures in a consistent and non-arbitrary manner At this point, the issue is no longer fraud prevention it is the banks refusal to honor its own stated verification process.

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I deposited a check issued by Wells Fargo into my Wells Fargo account via ATM on XXXX. The account is new, but the check is drawn on Wells Fargo itself. The bank has placed a hold on the funds and is refusing to release them. When I contacted customer service and visited a branch, I was given inconsistent and misleading explanations. I was initially told this was due to federal policy, but when I questioned that, I was told it is actually an internal policy. Wells Fargo has not provided a clear or consistent explanation for the hold, nor have they explained why a check drawn on their own institution is being delayed. I have not been given a specific timeline for full availability beyond vague statements about procedure. This lack of transparency and shifting explanations raises concerns about compliance with the Expedited Funds Availability Act ( Regulation CC ), which governs funds availability and requires clear disclosure of hold policies. Additionally, I am currently dealing with a medical situation and urgently need access to these funds. I am requesting : XXXX. Immediate release of the funds or a clear, legally valid reason for the hold XXXX. Written documentation of the banks hold policy as applied to this deposit XXXX. Clarification on why I was given inaccurate information regarding federal policy This situation has caused financial and personal hardship and appears to involve improper handling of funds availability.

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