vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
As of XX/XX/XXXX Synchrony Bank charged {$2400.00} in retroactive deferred interest on my JCPenney credit card account from a promotion on a {$4700.00} purchase dated XX/XX/XXXX, expiring XX/XX/XXXX. Despite consistent payments of $ XXXXmonth ( over {$130.00} minimum which was required to meet the expiration date ), payments were allocated to higher-APR new charges first, leaving promo balance unpaid without notifying me triggering full interest at ~33-34 % APR without ANY clear warnings. Statements were misleading : XXXX XXXX XXXX showed promo balance as XXXX with {$2200.00} accrued interest, implying payoff ; prior statements ( e.g., XXXX ) listed promo balance {$990.00} without clarifying allocation, required monthly payoff, or that balance excluded interest. No pre-expiration alert on inadequate payments. 

On XX/XX/XXXX, supervisor refused to stop recording after I withheld irrevocable consent for the recording, use, distribution, XXXX XXXX replication, or any other processing of my voice, likeness, or related personal data under CA Penal Code XXXX, California Constitution, Federal fourth Amendment, Electronic Comm Privacy Act, Lanham Act, GDPR, UDHR, etc. while Customer Service agent denied stopping recording, I escalated to Supervisor, Supervisor claimed unawareness of notice provided to her twice, claimed inability to stop recording, refused to connect me to her Supervisor, then hung upobstructing FCBA dispute, obstructing my fair and equitable access to customer service unless I comply. I refuse to be held under implied consent and irrevocably refuse to allow recording of my voice, etc.

The violations include : lack of transparency under the Fair Credit Billing Act ( 15 USC 1666 ) for billing errors and dispute obstruction ; deceptive practices under CA Bus. & Prof. Code 17200 ( UDAP ) for misleading statements and allocation without notice ; inadequate disclosures under the Credit CARD Act ( 15 USC 1637 ) for promo risks ; and illegal recording under CA Penal Code 632 ( two-party consent, $ XXXX  penalty per violation ).

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 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and outdated personal information, which I formally disputed with EQUIFAX. 
Despite submitting the dispute along with proper supporting documentation, the credit bureau has failed to correct the following : Details of the Dispute : Incorrect Name : Incorrect name- XXXX XXXX My current legal name is XXXX XXXX XXXX XXXX but it is incorrectly listed on my credit report. 
I request that my name be updated to reflect the correct and complete legal name. 
Outdated Address : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL XXXX My current residential address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl, XXXX However, my credit report shows an outdated and inaccurate address. 
I request that my current address be updated and that all outdated addresses be removed. 
1. Incorrect Employers : My current and correct employer is : XXXX XXXX The credit report incorrectly lists employers I have never worked for. 
I request that only verifiable and correct employment information be reported. 
Applicable Laws Violated : The credit reporting agencys failure to remove or correct these inaccurate items violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to reinvestigate disputed information within the required timeframe 15 U.S.C. 1681g Right to receive complete and accurate information from a credit file 15 U.S.C. 1681s-2 ( a ) Duty of data furnishers to report accurate information CFPB Bulletin 2014-01 Guidance on reinvestigation obligations of CRAs These errors can cause significant harm to my creditworthiness and may associate me with data and accounts that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Friday XX/XX/XXXX I deposited {$190000.00} check from XXXX XXXX XXXX XXXX. Was told a hold would be put on check since over $ XXXX, but I would receive $ XXXX on Tuesday XX/XX/XXXX and balance would be released XX/XX/XXXX. Then few days later I received notice from BofA that all of the funds would be held until XX/XX/XXXX. Today XX/XX/XXXX I received notice from BofA that funds would be held until XX/XX/XXXX. I called XXXX company and they sent me email saying check paid XX/XX/XXXX sequence # XXXX. 
So Im not sure why there is a delay in releasing the funds into my account.

I called BofA and was told that they have the right to hold funds at their discretion. She asked if it is a check that I receive on a normal basis? I said NO its a check for sale of my house. You dont sell your house on a regular basis. But that its a XXXX XXXX in XXXX that you do business with all the time. 
I honestly feel the hold is an excessive length of time. Especially since BofA has the funds as of XX/XX/XXXX. 
Thank you for your help XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ), I am submitting this complaint against Coinbase Global Inc., a U.S.-based cryptocurrency exchange. 

In 2022, I purchased a total of XXXX XXXX ( XXXX ) through my verified Coinbase account. 
At the time, my identity verification ( XXXX  ) was fully completed and the account was actively used. 

When I recently attempted to access my account, I discovered that : - My Coinbase account appears to have been deleted or permanently disabled, - I received no prior notice or explanation, - I currently have no access to my XXXX XXXX, which remain my lawful digital property. 

Unfortunately, I no longer have access to purchase confirmations or emails because my old messages were deleted. 
However, Coinbase should still retain internal system records, including : - XXXX identity data - Account login history - Internal custody wallet records- Transaction logs from 2022 - Blockchain-linked custody addresses XXXX  transactions are permanently recorded on the blockchain and can not be erased. 
Therefore, the absence of documents on my side does not eliminate Coinbases responsibility to investigate their own records.

I formally request that Coinbase be required to : 1. Conduct a full internal investigation of my account 2. Locate any XXXX balances associated with my identity and registered email 3. Restore account access or release my XXXX XXXX to a wallet address I provide 4. Provide a complete transaction history from 2022 onward Registered email address used on Coinbase : XXXX This matter involves assets of significant financial value and requires immediate regulatory review. 

I respectfully request CFPB assistance to ensure Coinbase complies with U.S. consumer protection and financial custody obligations. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AL

Complaint narrative:
I have an active Borrower Defense to Repayment case related to XXXX XXXX XXXX. All of my federal student loans are XXXX loans and were consolidated into a Direct Consolidation Loan. I submitted my Borrower Defense application on XX/XX/year>. 

A partial Borrower Defense discharge has already been applied to my loans, and the remaining balance is still under Department of Education review. While my Borrower Defense case remains under review, my loan servicer, MOHELA, incorrectly placed my account into repayment, marked it as past due, threatened collections, and reported negative information to the credit bureaus.

Under federal Borrower Defense regulations, loans with an active Borrower Defense case must be placed into administrative forbearance, with no collections activity and no negative credit reporting. Despite this requirement, MOHELA failed to apply the required Borrower Defense administrative forbearance.

I contacted MOHELA to correct this error. MOHELA refused to apply Borrower Defense administrative forbearance and stated that I was required to apply elsewhere for forbearance, which is incorrect for Borrower Defense cases. MOHELA only offered a regular forbearance, which I accepted temporarily to stop immediate harm, including further delinquency and collections activity.

This temporary forbearance does not resolve the improper past-due status or the negative credit reporting that already occurred. The servicers actions have caused significant financial harm, as I am currently in the process of purchasing a home and the incorrect credit reporting has negatively impacted my credit score and mortgage approval.

I am seeking correction of this improper servicing, application of Borrower Defense administrative forbearance, removal of all negative credit reporting related to this error, and confirmation that my account is being serviced in compliance with federal Borrower Defense requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
* * To : * * Consumer Financial Protection Bureau ( CFPB ) * * Company complained about : * * XXXX XXXX XXXX * * Related debt collector : * * National Credit Systems * * Address : * * XXXX XXXX  XXXX XXXX XXXX, GA XXXX * * Phone : * * ( XXXX ) XXXX * * Original creditor : * * XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Details I am submitting this complaint against * * XXXX XXXX XXXX ( XXXX ) * * for * * reporting inaccurate and unverified information * * on my consumer credit report, in violation of the * * Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. * * XXXX XXXX XXXX is reporting an account allegedly associated with * * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and * * National Credit Systems * * that contains * * material inaccuracies * *, including but not limited to : * Incorrect account status and/or balance * Reporting information without proper verification * Failure to ensure maximum possible accuracy of the information furnished Despite my dispute, XXXX XXXX XXXX has XXXX * continued to report this account * * without providing competent documentary evidence that the account is accurate, complete, and legally reportable. 

XXXX XXXX XXXX XXXX XXXX FCRA Violations XXXX XXXX XXXX conduct violates

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Amex expressed is denying me a credit card when my business credit is in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: CA

Complaint narrative:
Good day ; I can not emphasize enough how frustrating and debilitating this situation is.

One day, I woke up to discover a debt I knew nothing aboutan unverified amount that is not mine.

I have been receiving harassment through various communication platforms using different tactics.

I never imagined starting my day with threats of legal action.

As a law-abiding citizen, this is deeply insulting, with my consumer rights being blatantly violated.

It is severely impacting my mental health, leading to sleepless nights for days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: NJ

Complaint narrative:
I am filing this complaint regarding improper billing and threatened adverse credit reporting by XXXX XXXX XXXX that resulted from a dealerships failure to complete a required trade-in payoff. 

Timeline and actions taken : XX/XX/XXXX : I entered into a new XXXX lease and traded in my prior XXXX XXXX vehicle through an XXXXauthorized dealership ( XXXX XXXX ) . At the time of trade-in, the dealership accepted possession of the vehicle and assumed responsibility for satisfying the remaining lease payoff. I have not had possession, use, or control of the prior vehicle since XX/XX/XXXX. 

XXXX XXXX : Despite surrender of the vehicle, XXXX XXXX XXXX continued to generate monthly lease invoices in the approximate amount of one standard lease payment per month. 

XX/XX/XXXX : After I contacted the dealership multiple times regarding the continued billing, the dealership confirmed in writing that it had contacted XXXX  XXXX XXXX and that the issue should be cleared up. 

XXXX XXXX XXXX  : The dealership failed to complete or properly submit the payoff. During this period, XXXX XXXX XXXX continued billing and issued repeated invoices despite the vehicle no longer being in my possession. 

XX/XX/XXXX XXXX XXXX XXXX XXXX  threatened collection activity and adverse credit reporting related to the unpaid lease balance. To mitigate harm, I paid separate wear, damage, and mileage charges assessed at lease end ( distinct from monthly lease payments ). I dispute any lease payments assessed after surrender of the vehicle, as the delay is entirely dealer-related and not due to consumer nonpayment. 

Issue and harm : The continued billing and threatened credit reporting occurred solely because the dealership failed to complete the payoff after accepting the trade-in. I acted in good faith, notified the dealership repeatedly, and relied on the dealerships written confirmation that the matter would be resolved. The ongoing balance does not reflect refusal or failure to pay, but a dealer-caused processing failure. 

Requested resolution : I am requesting that XXXX XXXX XXXX  -Treat this matter as a formal dealer-responsibility dispute -Suspend all collection activity and credit reporting related to this account -Coordinate directly with the dealership to confirm payoff submission -Correct any negative credit reporting resulting from this dealership failure This complaint is supported by documentation showing the trade-in date, continued billing after surrender, written dealer acknowledgment, and subsequent failure to resolve. I respectfully request prompt resolution and confirmation that my credit will not be harmed due to this dealership-related delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
I made a transfer to a XXXX XXXX XXXX  account that never credited. 
I alerted XXXX  on XX/XX/year>. 
XX/XX/year> XXXX  added the funds to my XXXX  account as it was the XXXX business day before the merchant had responded. 
XXXX  finally added the credit and simultaneously FROZE my business & personal account. Over $ XXXX Today XX/XX/XXXX I have NO access to my money and will be late with fees on a few business bills than were due on the XXXX. I mentioned this to XXXX  many times within the last few days. So they are very aware. 
XXXX response wait for an email. 
Ive been waiting. What are they needing to confirm? 
How many are there of me? 
how much is there of their wait for an email in order for people TO rightfully have access to their money. HOW long will XXXX  hold our money for no explanationed reason??? 
What if we never get an email?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I recently review my credit report and noticed some fraud on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a confirmed victim of identity theft and have attached my official FTC Identity Theft Report ( Report Number XXXX ) under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2. 

The following accounts were opened without my knowledge or permission and are listed as fraudulent in my FTC report : XXXX XXXX XXXX Account ending XXXX Balance {$870.00} Fraud began XX/XX/2024 XXXX XXXX Account ending XXXX XXXX XXXX  Bankruptcy Case # XXXX ( this is not my bankruptcy and is being reported in error ) Even after disputing these items, they are still showing on my Experian credit report and are preventing me from being approved for credit. 

Under federal law, these fraudulent accounts must be blocked and permanently removed, can not be reinserted, and I must receive written confirmation of their deletion within four ( 4 ) business days.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I sent a XXXX payment of {$450.00} from my Chase checking account to a recipient using their phone number. 
The recipient confirmed receiving the funds and stated they would return the money, but later refused to do so. 
I contacted Chase, but they declined to assist, stating it was an authorized payment. 
This is no longer a mistaken payment issue, but a refusal to return funds after confirmation of receipt. 
I am requesting assistance in recovering my money or having Chase take appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: Affirm Holdings, Inc
State: MO

Complaint narrative:
CFPB Complaint Draft Undelivered Items/ Affirm Loan XXXX Category : Credit reporting, debt collection, or other financial service choose Other financial service or Credit reporting / debt dispute as applicable. 

Company Name : Affirm , Inc . 
Loan/Account ID : XXXX Complaint XXXX I am submitting a formal complaint regarding Affirms handling of a billing dispute for financed merchandise purchased through XXXX XXXX. I am being charged for items that were never delivered, and my dispute has been repeatedly closed without proper investigation. 

Background and Key Facts : Original Shipment Damaged : The original order ( Tracking # XXXX ) was delivered damaged. A replacement shipment was sent. 

Replacement Shipment Partial Delivery : Replacement items were sent under Tracking # XXXX and # XXXX. Both tracking numbers show the same delivery proof, indicating only one package was delivered instead of the two items owed. 

Incorrect Evidence Used : Affirm relied on the original damaged shipment ( # XXXX ) as proof of delivery, which is not relevant to the replacement items. 

Repeated Procedural Closures : Despite submitting evidence multiple times, Affirm closed disputes without reconciling shipments or confirming item-by-item delivery, shifting the investigative burden onto me. 

Financial Impact : I am being billed for items I never received. Payment of {$250.00} is currently overdue, and repeated closure without resolution is impacting my ability to manage this loan. 





Provide a written determination of the investigation outcome. 

Attachments ( supporting evidence ) : XXXX tracking links and screenshots for the replacement shipment : # XXXX XXXX Tracking # XXXX XXXX  Tracking Previous Affirm dispute case correspondence ( emails from XXXX, XXXX, XXXX, etc. ) Documentation showing the original shipment was damaged ( # XXXX ) so they sent replacement but never reached Outcome Desired : Reversal or suspension of billing for undelivered items Full investigation and verification of all shipments Written confirmation of which items were delivered and which were not Assurance that similar procedural closures will not recur Contact Information : XXXX XXXX Phone : XXXX Email : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation