vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
I am disputing the reporting of a collection account in the amount of {$10000.00} that is being reported by Fair Collections & Outsourcing ( FCO ) on behalf of XXXX. I do not believe this debt has been properly verified, and I have serious concerns regarding both the accuracy of the balance and the collection process used before the account was reported to the credit bureaus. I previously requested validation and verification of this debt. However, I have not been provided sufficient documentation demonstrating that I am legally responsible for the account, that the amount claimed is accurate, or that FCO has the authority to collect and report this debt. The responses I have received have not included a signed agreement, lease documents, itemized move-out statement, accounting of charges, payment history, invoices, receipts, or other evidence supporting the balance being reported. Additionally, I did not receive proper notice of this alleged debt prior to it being placed with collections and reported to the credit bureaus. I was not provided adequate documentation or an itemized accounting explaining how the balance was calculated, nor was I given a meaningful opportunity to review and dispute the charges before negative credit reporting occurred. Despite my disputes and requests for verification, the account continues to be reported. Simply stating that the debt is valid is not sufficient evidence that the information being furnished to consumer reporting agencies is accurate and complete. Because FCO has failed to provide adequate documentation supporting the debt and because there are concerns regarding whether proper notice was provided before collection activity and credit reporting began, I am requesting a thorough investigation into this matter. I request that FCO provide complete documentation supporting this account, including proof that I owe the debt, an itemized breakdown of all charges, documentation showing that proper notice was provided, and evidence establishing its authority to collect and report the debt. If the account can not be fully verified, I request that it be deleted from all consumer reporting agencies and that any inaccurate information be corrected immediately. I also request copies of all documentation relied upon in verifying this account and reporting it to the credit bureaus.

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 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ClarityPay, Inc.
State: HI

Complaint narrative:
On XX/XX/year>2026, I ordered a XX/XX/XXXX diffuser oil subscription from XXXX XXXX XXXX website for approximately {$170.00} using my credit card. About XXXXXX/XX/XXXX after placing the order, an XXXX representative called me. He was very friendly and polite, and suggested changing the order by increasing the oil amount and reducing the number of diffusers to give me a better deal. After the change, the total became approximately {$200.00}. Right after the call, XXXX charges appeared on my XXXX credit card almost simultaneously : {$170.00} and {$200.00}. The representative then sent me a new link to adjust the subscription. That link only offered Bank Account and debit card payment option. I entered my routing number, account number, and the last XXXX digits of my Social Security Number. Immediately after submitting that information, I received an email from ClarityPay stating that a loan of {$4200.00} had been created in my name. I never applied for, signed, or consented to any loan. I immediately closed the linked bank account. I also disputed both charges with XXXX, and they fully refunded both amounts. In addition, I submitted a dispute to ClarityPay. To date, I have received XXXX packages from XXXX and returned all of them. The representative never responded to my calls or messages requesting cancellation. Today, XX/XX/year>2026, I received a text message from ClarityPay stating that my account is past due. This incident has caused my credit score to drop by XXXX points and has caused me significant stress. I have already taken the following actions : Filed a report with theXX/XX/XXXXPolice Department Submitted a dispute to ClarityPay Filed disputes with allXX/XX/XXXX major credit bureaus ( XX/XX/XXXX ) Placed a credit freeze on my accounts Despite all of the above, ClarityPay continues to attempt to collect on a loan that I never agreed to. I request a thorough investigation into the deceptive practices of XXXX and ClarityPay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
Complaint Against Bank for Failure to Return Account Funds My bank closed my account on XX/XX/year>, despite my providing all documents and information requested during its review process. On XX/XX/year>, I received an email from the banks Fraud Department stating that a check for the remaining balance in my account would be mailed within 14 days. More than a month has now passed, and I have not received my funds. The bank continues to withhold my money despite its written promise to return the remaining balance. This prolonged delay has caused me significant financial hardship and has prevented me from accessing funds that belong to me. I contacted the bank by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, to report that I had not received the promised payment. Rather than addressing the missing funds, the bank repeatedly sent generic responses directing me to review the account closure notice. The bank has failed to acknowledge, investigate, or respond to my concerns regarding the return of my money. I have made every effort to resolve this matter directly with the bank. I complied with all document requests, yet my account was still closed, and my funds continue to be withheld without explanation. The bank has failed to honor its commitment to return my remaining balance within the timeframe it provided. I am requesting that the CFPB investigate this matter and require the bank to immediately release my funds. Because the bank has already failed to deliver the promised check after more than six weeks, I am requesting that the remaining balance be returned through an ACH transfer or other electronic payment method rather than by check. I also request a written explanation for the delay and the banks failure to respond to my repeated inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report. Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose. This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

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 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo bank has been practicing unethical behavior ever since I had in My mortgage sold by XXXX XXXX, my complaint with Wells Fargo Bank, they did not give me a coupon book for my mortgage. When I paid money for mortgage ( XX/XX/year> {$860.00} half ) they took all my money that was meant for my mortgage payment and put it towards the fees I believe this is illegal and unethical. Wells Fargo bank website also will not let me put and amount that I want so they can steal equity that I should have in my own home.

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 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX is reporting in accurate items on my trans union report . Stating that I missed a payment and etc. this is in accurate information that doesn't belong to me.

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 2026-06-01 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XXXXi cancelled travel with merchant ( XXXX XXXX Tours ). Merchant provided proof of all credits for approved cancellation in XX/XX/year>. XXXX credit card and Goldman went sent proof and have not credited me and are continuing to me charge interest for purchases monthly. I sent proof. Merchant has requested XXXX and Apple to call to trace transactions. XXXX and Apple doing nothing!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
No, I just saw this placed on my credit reports it doesn't disclose who they're collecting for anything so I definitely want this removed I want to post a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I deposited a {$25000.00} check that cleared and posted to my bank statement. The bank placed a hold and stated it can not verify ownership and intends to send the funds to the state. Because the funds have cleared and been credited to my account, they are not unclaimed property and are not eligible for escheatment. I am requesting release of the funds or written legal authority supporting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
i was in default of my mortgage for XX/XX/XXXX months from XX/XX/XXXX through XX/XX/XXXX due to decrease work hours. My mortgage company sent me a letter stating pre-foreclosure process. I immediately paid the full amount up to date XX/XX/XXXX. My mortgage company charged me Property Inspection ( XX/XX/XXXX ) {$60.00} for inspection Legal Fees {$3000.00} and {$3000.00} for my homeowner insurance which is {$360.00} a months. Homeowners insurance started XXXX XXXX which should equal {$1800.00} Not {$3000.00}. My residence is in Massachusetts I am protected by the RIGHT TO CURE LAW which my mortgage company had XXXX knowledge about this law. on XX/XX/XXXX I paid {$13000.00} when i should have only paid past due amount of {$10000.00}. My mortgage company is requesting I still owe {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
They were charging me for what I didnt owe and they took my money without giving me a call or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: NC

Complaint narrative:
I am filing this complaint regarding Bank of Americas non response to a formally request by me for the documents they relied on in making a denial judgment for the below unauthorized wire transfer Unauthorized transfers from my account at Bank of America totaling {$99000.00} that occurred on XX/XX/year> The bank has not replied back to a formally request by me for the documents they relied on in making our determination and we'll mail the information to you for your records. These transactions were fraudulent and initiated without my authorization, and I reported them to the bank immediately on XX/XX/year> and the below claims were submitted Claim XXXX {$29000.00} Claim XXXX {$69000.00} The fraud occurred after my mobile phone account with XXXX was compromised through a suspected SIM-swap/eSIM cloning attack, which allowed the criminals to bypass security controls. Despite timely notice and clear evidence that the transfers were unauthorized, the bank has delayed and/or failed to properly reimburse the funds. Under the * * Electronic Fund Transfer Act and related consumer protection regulations, I believe the bank is required to conduct a reasonable investigation and credit my account for unauthorized transfers. I am requesting that the bank, provide a full written explanation of its findings, and immediately reimburse the stolen funds. If this matter can not be resolved promptly, I request that the CFPB review whether the bank has complied with its obligations under federal consumer protection laws. Bank of America has denied my claim but has yet to provide the information I requested. In their denial letter they state You have the right to request the documents we relied on in making our determination and we'll mail the information to you for your records. Formal request was sent to Bank of America on XX/XX/XXXX see attached Along with the question sent on XX/XX/XXXX I think it important for me to know 2 more things 1 ) What controls and methods were used in establishing a payment plan for the fraudulent transfer 2 ) Why no one from Bank of America has followed up with the local Detective assign to the case as they have pertinent information regarding the care

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I had a refund for 2 transactions one is still pending and even pending there taking from it even though the transaction that they are taking it from is already paid from and i have proof of payment. The second transaction was for more than XXXX $ and has no paper trail of where it went. They keep saying from pending payments but i pay for everything in full so i know that is not the case. I have raised a issue more than once with this bank and i need a resolution because they didn't have my approval nor do they have the right to take money that didn't even hit my account first. Citibank refuses to resolve the issue due to knowing what they are doing initially.

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 2026-06-01 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: MD

Complaint narrative:
I paid {$1600.00} to XXXX XXXX on XX/XX/year>. I cancelled the trip and per XXXX 's policy, they issued a Reservation Credit of {$1600.00} to be used for future travel within one year. When I found out XXXX XXXX was going bankrupt and ceasing all operations, I immediately contacted Citi to dispute the transaction because I would be unable to use the credit. I filed a chargeback on XX/XX/year>. Citi contacted XXXX on XX/XX/year>. XXXXXXXX XXXX bankruptcy representatives responded on XX/XX/year>, actively fighting my chargeback even after the airline had permanently shut down. Citi ruled against me on XX/XX/year>, citing XXXXXXXX XXXX cancellation policy. Citi 's decision is wrong. XXXXXXXX XXXX cancellation policy is completely irrelevant because XXXX no longer exists and can not provide any travel services whatsoever. I am being charged {$1600.00} for something I will never receive under any circumstances. No cancellation policy can legally obligate a consumer to pay for services a merchant is permanently incapable of delivering. This is exactly what the Fair Credit Billing Act ( 15 U.S.C. 1666 ) protects against. The DOT has publicly encouraged XXXX passengers in my exact situation to file chargebacks for services not rendered. Citi has failed to protect my consumer rights and I am requesting a full reversal of {$1600.00}.

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 monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank committed a severe operational and software error that directly caused a {$620.00} financial loss to my business. Years ago, a Chase banker added 'Positive Pay ' fraud protection to my account without my explicit consent. Later, my account was transitioned to a different tier. Due to a system glitch, the Positive Pay restriction remained active in the background, but the online user interface to review and approve checks was completely removed from my digital banking access. Because I could not see or approve exceptions, Chase silently bounced a check written to my local tax authority for property taxes. I was hit with a {$620.00} late penalty as a result. I visited a local branch on XX/XX/year> to investigate, and Branch Manager at the XXXX XXXX XXXX, XXXX XXXX, TX XXXX branch uncovered the glitch. She confirmed the feature was active but invisible to me. She had to temporarily upgrade my account tier back to a premium level just to access the backend toggle and turn the feature off. This proves that Chase 's software locked me out of managing my own funds. I demand that Chase reimburse me the {$620.00} for the tax penalty caused entirely by their system failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
In late XX/XX/year> ( around XX/XX/XXXX ), I received an email notifying me that my Capital One XXXX portal account had been terminated due to " potential misuse. '' At the time of termination, my account had an accumulated cash back balance of approximately {$600.00} {$700.00}. I have not violated Capital One XXXXXXXX XXXX terms of service, and no specific explanation or evidence of wrongdoing was provided in the termination notice. I was given no opportunity to dispute the decision or appeal it before the account was closed. As a result of this termination, I have lost access to my cash back balance and my account. I am requesting that the CFPB look into this matter, as I believe my account was wrongfully terminated and my earned cash back balance is being improperly withheld.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
Complaint Against Cash App ( Block , Inc. ) Cash App permanently deactivated my account, claiming that activity on my account violated their Terms and Conditions. I appealed this decision, but Cash App upheld the closure. However, at no point has Cash App provided a specific explanation, transaction reference, date, or policy provision identifying what conduct allegedly violated their terms. I have made multiple good-faith requests for clarification. Cash App 's responses have been limited to generic statements indicating that my account violated their Terms and Conditions. The only additional information I received was a vague comment from a representative, when it occurred, or how it constituted a violation. Cash App continues to keep my account open to the extent necessary to collect payments on borrowed funds, while simultaneously denying me access to normal account functionality and refusing to disclose the basis for the account closure. This creates a one-sided enforcement of financial obligations without transparency or due explanation. The refusal to provide even a general explanation prevents me from understanding the alleged issue, disputing its accuracy, or correcting any supposed violation. As a consumer, I am left unable to determine whether the closure was the result of an error, misuse of the dispute process, or potentially false or malicious reports by a third party. Cash App has provided no process to address or refute such

Company response to consumer: Closed with explanation