vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
I was charged from XX/XX/year> to XX/XX/year> over {$100.00} of unauthorized transactions on the Cash App account. When I contacted Cash App, they wanted me to do each individual transaction separately disputed and that was ridiculous because there were so many. I do not use XXXX XXXX  and it started in XXXX and now its blocked of course but during that three months Ive gotten so many charges at {$.00} and more numerous times equaling over {$100.00} and I want it back. I do not have an XXXX  phone so I cant use XXXX XXXX  anyways and I did not authorize anyone to use it and I do not use it. Ive never even heard of those games and Ive never played them and I have XXXX XXXX  in the house that is too young to even access that kind of stuff anyways because it is strictly monitored on his XXXX. Its very frustrating to be a XXXX parent and have that kind of money taken from me when I barely can survive on what I have, it shouldnt be that hard to actually get money back that you didnt authorize or spend and Im hoping that you can really help me because this is crazy. It was a Cash App account with my name XXXX XXXX, and it was money that I would have on my Cash app which was very infrequently unless I was receiving or paying somebody and it seemed like every time I had a little bit of money on the account it was taken. I appreciate your time and your effort to help me. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I had a credit card that I authorized my XXXX XXXX to use to check her bags in the card ended up being maxed out on top of that outrageous interest fees were added

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
I am submitting this complaint on behalf of my business, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, regarding Old National Bank. 

On XX/XX/XXXX, my LLC deposited a check in-branch for {$17000.00}, issued by XXXX XXXX . The issuer confirmed that XXXX XXXX  has already paid the check to Old National Bank, yet the funds remain unavailable.

In addition, Old National Bank froze {$6000.00} of existing business funds that were already in the account and are not related to the check.

Old National Bank : - Provided no written notice - Provided no explanation - Provided no investigation timeline I have visited the branch more than five times and have only been told to wait.

This improper hold and unauthorized freeze have caused disruption and financial harm to my LLCs business operations.

Frozen Accounts ( Business ) : Account ending in XXXX XXXX XXXX XXXX XXXXXXXX ( deposit of check ) Account ending in XXXX XXXX XXXX XXXX XXXXXXXX ( unrelated funds frozen ) Account ending in XXXX XXXX XXXX XXXX XXXXXXXX ( unrelated funds frozen ) Authorized Representative : XXXX XXXX XXXX Date : XX/XX/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 explanation
Consumer complaint received 2026-01-04 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: CA

Complaint narrative:
Dear Sir/Mme, I am attaching documentation showing the full sequence of events. Cash App placed my account on hold claiming it was obligated by law due to an Information Subpoena, yet provided no copy of the subpoena and no notice explaining the scope of the restriction. As a result, my direct deposit of {$4700.00} was returned to the originator without warning, causing immediate financial disruption. At the same time, Cash App accepted and credited a refund from XXXX tied to a transaction that predates the alleged subpoena, showing selective handling of funds rather than a true legal freeze. I made multiple calls to support and sent written requests asking for clarification, documentation, and the legal basis for freezing my entire account, but received no meaningful response, no follow-up, and no explanation of next steps. An Information Subpoena is a discovery request, not a levy or restraining order, and using it as a blanket account freezewhile returning deposits and selectively allowing refundsgoes far beyond what is required by law and prevents me from accessing funds unrelated to any creditor claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
In late XX/XX/XXXX, I entered into an auto loan for a used vehicle purchased from a dealership. The loan was assigned to Credit Acceptance Corporation. Shortly after taking possession, the vehicle exhibited serious mechanical issues, including difficulty accelerating and operating safely in traffic. I immediately contacted the dealer to report the issues and request a resolution. 

Within weeks, the vehicle became completely inoperable. The dealer took the vehicle back and provided a loaner. I made my scheduled loan payments during this time in good faith, despite not having use of the financed vehicle. 

After several months, the dealer advised that my vehicle had been repaired and returned it to me. Within XXXX days, the vehicle caught on fire while I was driving with my children. The dealer towed the vehicle and provided a second loaner vehicle. That loaner later also broke down and became inoperable, requiring towing. 

Since the date of purchase, I have had little to no usable possession of the financed vehicle and have repeatedly been provided unsafe or defective loaner vehicles instead. I have continued to communicate with the dealer and lender attempting to resolve the situation. 

In XX/XX/XXXX, I submitted a formal written dispute to Credit Acceptance Corporation, notarized and sent via certified mail, invoking my rights under the FTC Holder Rule ( 16 C.F.R. 433 ). The dispute explains that the dealer failed to provide a safe, operable vehicle and that the contract was not properly performed. I also filed complaints with state regulators regarding the dealer.

Despite receiving my written dispute, Credit Acceptance has continued collection calls regarding a past-due balance and has stated verbally that they will not respond in writing. Representatives stated that because my dispute is related to mechanical issues, they are not required to acknowledge or respond in writing. They have also refused to suspend collection activity during the investigation. 

I am requesting regulatory assistance because Credit Acceptance is refusing to acknowledge my written dispute, is continuing collection efforts during an active dispute, and is declining to provide a written response or investigation outcome.

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 2026-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
I entered into a personal training agreement with XXXX XXXX XXXX On XX/XX/XXXX, I formally requested cancellation of my personal training contract. XXXX XXXX informed me that I was required to pay a {$220.00} cancellation/buyout fee, which I paid. 

After that payment, XXXX XXXX contacted me and stated that the cancellation amount they charged me was incorrect and that I owed an additional {$25.00}. On XX/XX/XXXX, I paid the additional {$25.00} as instructed. I was told that I would receive email confirmation of the cancellation, but no confirmation was ever sent, despite being promised. 

On XX/XX/XXXX, I also contacted XXXX XXXX by email to notify them that I had experienced a permanent change of residence and had moved too far away to continue using their services. XXXX XXXX instructed me to submit this information by email, which I did, including documentation proving my relocation. XXXX XXXX never responded to this email. 

When I continued to receive charges, I followed up again by email on XX/XX/XXXX, stating that I had already submitted proof of relocation and had not received any response. XXXX XXXX again failed to respond. 

Despite accepting my cancellation request, collecting the cancellation fee in full, acknowledging their own billing error, and ignoring my relocation notice and follow-up communications, XXXX XXXX later placed an alleged balance of {$990.00} into collections. 

A collection account was opened on XX/XX/XXXX, with XXXX XXXX XXXX, listing XXXX XXXX XXXX as the original creditor. This collection account was most recently updated on XX/XX/XXXX, and now appears on my credit report. 

This debt is inaccurate. XXXX XXXX accepted my cancellation and payment, failed to provide the promised written confirmation, ignored my emails regarding relocation, and then improperly sent the account to collections. I am requesting that this inaccurate collection account be deleted from my credit report and that XXXX XXXX correct their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On or around XX/XX/year>, I observed a notification on my XXXX XXXX account that I had an account flagged as being placed in collections. Upon reviewing the credit profile I observed that it was for a delinquent XXXX with a debt of {$780.00}. I contacted the collections agency ( IC Systems ) and disputed the information. They indicated that the account ( # XXXX ) was established in the state of Arkansas ( Ive lived in California for the past XXXX years ) and that I needed to attempt to settle the debt. I advised them that the debt was not mine. Following this, I have submitted a written affidavit, police report, my California identification, an FTC report to XXXX fraud department with little follow-up. Additionally, I have contacted their customer service numerous times. On some instance they said that they would follow-up with me but havent or they for some reason or another disconnected the call. I have submitted a dispute to each of the credit bureaus however, the debt remain on my credit ( in violation of the FCRA ). Any assistance would be appreciated in remedying this is, as it has caused me a great deal of emotional distress.

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 2026-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: IL

Complaint narrative:
My Credit Karma Savings funds have been inaccessible since XX/XX/XXXX, XXXX Credit Karma attached a closed external bank account to my savings and will not allow me to change or remove it. I am no longer with that bank. I have requested supervisors and escalations multiple times with no resolution or follow-up. My money is being held with no method for me to access or transfer it. I am requesting immediate access to my funds via manual withdrawal, expedited next day mailed check, or corrected transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
I had a title loan from title max I tried to pay off in full the employee said it was in repo status so he gave me corporate information. I get ahold of them they sent me to these attorneys they said ya it's this such an such vehicle pay this much. So I did think I paid off my title loan. Come find out oh no it was speedycash I was paying on from ten yrs ago. And now my truck is in repo status I'm out that money XXXX was 3 times more then the loan I got ten yrs ago. This is very wrong the attorney office that lied to me is XXXX XXXX in XXXXXXXX XXXX XXXXXXXX me speedy cash knows about this from there XXXX XXXX  to XXXX XXXX  branches. And still no call back or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 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: VA

Complaint narrative:
On XX/XX/XXXX I made a credit card payment to Capital One from my XXXX XXXX account in the amount of {$65.00}. Capital One thanked me for payment via email then a few days later mailed me a letter to inform me they had decided to close my account due to a returned payment. I checked my XXXX account and no money was ever returned to my account and the XXXX  I spoke with confirmed that the payment was successful. I have reached out to Capital One several times and asked them where the money I sent them as payment went, but they have not been able to give me a clear explanation .on anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
This debt is not mine the primary insurer needs to answer the below I SHOULD NEVER HAVE A COPAY SINCE I HAVE XXXX INSURERS PRIMARY : SUREST SECONDARY : FEP BCBS SUREST ORIGINALLY HAD THEMSELVES AS SECONDARY WHICH IS NOT CORRECT ; THEY SUBESEQUENTLY CORRECTED AND REPROCESSED BILLINGS HOWEVER AS A RETIRED CPA I HAD TO CREATE AN XXXX SPREADSHEET WHICH HAS BEEN PROVIDED TO XXXX XXXX XXXX, SUREST AND FEPBCBS. 

XXXX XXXX HAS BEEN UPDATED ON A CONSTANT BASIS WITH THE STATUS OF MY CONVERSATION WITH SUREST THE BELOW IS MY ANALYSIS OF BILLINGS AND PAYMENTS Objective : To reconcile the billing and the insurance payments Scope : List the billings and the payments made Conclusion : For the same services Surest payments were not consistent, they vary tremendously. Will send the spreadsheet to Surest and also to FEP BCBS, and to XXXX XXXX XXXX and request both insurers review the payments and request Surest for an explanation on why the payment amounts for the same service varies. 


Surest Need explanation of why paid different amounts for the same service codes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After looking over the statement sent to me it doesn't explain show how i was charged wrongfully by a rental car company. I disputed the transaction and my account was closed

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 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I had a credit card that I authorized my XXXX XXXX to use to check her bags in the card ended up being maxed out on top of that outrageous interest fees were added

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 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: CITIBANK, N.A.
State: VA

Complaint narrative:
The Amount For This Was Supposed To Be At A Different Daily Rate That Was Subsequently Not Applied On The Account. After Review And Search Of Several Sources, The Rate For The Daily Usage Was Substantially Lower Than What Was Charged And I Gave This Information To The Agent Due To The Error That Continued To Show And I Was Told It Would Be Resolved. However, Their Lack Of Integrity Showed By Charging Me For This At A Rate Several Times Above Daily Rate And Market, And Then Refusing To Abide By Proper Factors To Adjust This, And To Resolve The Charges As Required By Law And By Customer Service Custom That The Customer Is The Consumer, And The CFPB Sides On The Precedent That The Rate Applied Should Be Adjusted To The Lower Amount Typical Of Those Given And Seen On The Site And Not Arbitrarily Modified. The Amount For The Daily Rate Was Much Lower, To Almost Maybe {$30.00} Per Day, But I Do Not Recall The Specific Amount, And Therefore Put XXXX In The Amount Above To Not Speculate Even On Server Issues. The estimated amount was supposed to be {$180.00}.

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 2026-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There are a lot of con artists on the Internet these days. We are used to them and have figured out how to get through their " minefields. '' Regrettably, businesses and organizations frequently employ the similar " circus tricks '' to boost their earnings at the price of clients who utilize their " services. '' The shopping environment is advantageous ; customer service is lacking and has been replaced by a so-called " AI-assistant '' that serves as a guard dog to protect the interests of the same businesses and organizations. You forget about your issue after speaks with the AI assistant for hours, all you want to do is see your XXXX  or XXXX XXXX. 

An Interest Rate Swap, a financial contract in which two parties agree to swap interest payments at a predetermined interest rate without exchanging the principal amount itself, has made its debut on the US trading scene. This is commonly referred to as a REFUND. For me, REFUND are added to my debts rather than subtracted from them ; I'm not sure if this is the case for anyone else. I have to pay twice as much since the money I get as a REFUND either vanishes or is added to my debt. The AI assistant at PayPal is unwilling to comprehend and address the issue. Well, my refunds. From XXXX and others, it amounts to about {$150.00}. Where are they? Where did they go?

Of course, for a long time I simply did not keep track of the cashback payments, as they came in small amounts of {$5.00}, {$10.00}, and so on, until not long ago, when I saw that my monthly bill to XXXX XXXX XXXX XXXX, which was {$38.00}, suddenly increased to {$44.00} after receiving a refund of {$5.00} from XXXX. This caught my attention because my birthday also has a lot of fours in it. After several checks, I found out that PayPal 's accounting works against me. My attempt to rectify the situation ( conversation with the AI assistant ) was unsuccessful. I am unable to make a phone call ( for medical reasons ). Question : why do they always make mistakes in their favor?

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 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
2 checks were sent to a SofiBank on XX/XX/year> after verified with previous Institution chosen by me to not resend back after a letter showed the checks referred to as 1 money order or money orders. Plus inconvenience of mail-back for a said missing account number on back. On phone, before sending, a person yelled about the amount of the check, had nervous breakdown on phone simply about the amount. Once transferred to nicer person, it was agreed to as ok to send the checks. The checks were cleared by XXXX XXXX XXXX AND SOFI RECEIVED THE CHECKS. They then exceeded the 4 day period for amounts to show up in the investment account, for transfer to my savings account. A call came from a non SofiBank number askiing " who is '' the person whose name was on the check, for amount {$330000.00}. When I refused to give the info, the person yelled and hung up. And disconnected/blocked the number after attempt to call back. This was robbery behavior. Sofi person again had nervous breakdown and closed savings account under the table as not a business or institution and sent a check for {$0.00}. To brag the lost money away from the customer. A person with a page on XXXX, emailed me to scam me that the check was a loan. Turned a customers written check into a loan situation, through further complication of nervous breakdown throughout the office for such a common amount of funds. The {$0.00} check was kindly mailed back, for the correct amount to be sent. SINCE THEN IT IS DEMANDED TO SIMPLY MAIL THE AMOUNTS BACK for me to proceed to a different institution. Its alleged they recently lied to CFPB in the last complaint. After case closed. They again slammed my mailbox with a check of {$0.00} to brag a child 's rant of lost money from the customer just days ago. An amount impossible to cash. We're asking for competency of " institution open to the public '', and not restroom-break behavior of sending a personally opinionated amount to customer ; that can not be cashed and is waste of resources, proves the party understands they owe the full amount and again chooses criminal behavior in hopes overturning a government into a different country. The amount is {$330000.00}

Company response to consumer: Closed with explanation