vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX Home Depot XXXX XXXX XXXX Last XX/XX/XXXX, I purchased a water filtration system for my house for {$15000.00} from Home Depot after a year I received a call from a service company, not Home Depot, informing me that after XXXX year the filters needed to be changed and the system inspected, with a charge of {$480.00}. This was a surprise to me since the purchase contract made no mention of this charge or inspections. I refused to make this payment because it should have been included in the sales contract. I then wrote to Home Depot stating that, due to this omission, I was willing to pay half of the charges. To date, I have not received any response, which compels me to contact this government agency. Please, I need this problem resolved. I have been without drinking water from my kitchen filter for over a month. If Home Depot does not accept my request, I would like to stop the monthly payments of {$200.00} and have this system removed from my home. I believe Home Depot is liable fort his issue, since I purchased from it. I have received couple of phone calls from Home Depot asking me if the service company has called me, but unfortunately I have not. Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
" From XX/XX/XXXX to XX/XX/XXXX, I was incarcerated and physically unable to monitor my finances. During this time, my Capital One account was completely drained of approximately {$19000.00} via unauthorized electronic transfers. I notified Capital One upon my release, but my fraud claims were denied. Under Federal Regulation XXXX ( Electronic Fund Transfer Act ), incarceration is explicitly recognized as an 'extenuating circumstance ' that extends the standard XX/XX/XXXX-day fraud reporting window. Furthermore, a mysterious {$20000.00} deposit was later attempted on my account without my authorization, causing Capital One to freeze the account entirely and issue me a check for only {$0.00}. I am a victim of grand identity theft. I have attached my official proof of incarceration, an FTC Identity Theft Affidavit, and a Police Report. I request an immediate, high-level corporate review of this case. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Mercury Financial Intermediate LLC
State: MD

Complaint narrative:
I was reviewing my credit cards online, I check the mercury card which I detected XXXX unauthorized charges, I immediately call the bank to dispute the unauthorized charges which I didn't make on the card of {$290.00} ( XXXX ) which came to a total of {$600.00} being charge to my card. I wasn't monitoring the card because I was making any purchases on the card but when I check the online account access I notice XXXX unauthorized charges for {$290.00} from merchant name " XXXX XXXX XXXX * XXXXXXXX XXXX '' I have no knowledge of ever making any purchases or giving permission from this business to make such transactions. I have contacted the bank and reported this as fraud, the bank is charging me interests for these XXXX unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXXSince XXXX my mother has had my Social Security card in her possession because she stole it. While I was sick and hospitalized with serious health conditions, I found out that over the past 2 1/2 years specifically she used her authority as my mother to take my phone debit card, bank account information and everything without my permission take my money from this checking account. When I found out about it, I have made 17 attempts to contact Bank of America by phone. I have been spoken to is rudely as possible and not one person has been able to give me a provisional credit even though not only do I have attorney representation for identity theft but I also have the criminal police report case number because charges have gone to the prosecutors office. Bank of America needs to give me my money back it was never theirs to give away.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I have been trying to resolve a fraud transaction dispute with American Express for more than two months, but the issue still has not been resolved. I already contacted American Express multiple times through calls and chat support. However, I am not receiving proper responses or updates regarding my case. Every time I contact them, they simply state that the investigation is still ongoing and not responding to my calls and messages. I also submitted evidence and supporting documents related to the fraudulent transaction. Additionally, I have email responses and proof regarding refund discussions connected to this case, but American Express has still not provided a proper resolution. I am requesting CFPB assistance to help resolve this matter, review the handling of my dispute case, and ensure that American Express provides a fair and timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
We turned in our keys in XXXX of 2025. We were told we were paid up and received our move out statement reflecting a XXXX balance. Now I get a collection notice on my credit report. I filed all of the necessary documentation to XXXX and they said they verified the debt. How can I owe something that was already paid?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I was the victim of a fraud scheme. I was called by someone who said they were from XXXX XXXX XXXX, saying they were concerned about someone trying to open a checking account in my name, as well as someone trying to send XXXX payments to themselves, using my phone number, and hijacking the SIM card. They told me this was a serious data breach, and that I should work with their fraud department to resolve my security issues. After much testing of my computer, sending test XXXX payments, and other types of payments, I was told that they had identified the issue, and that it was an internal employee of my bank. I was asked if I'd be willing to press charges, to which I agreed. They told me I needed to go to my local bank, and send a wire transfer of {$20000.00}. I was absolutely assured that no money would actually come out of my account, but rather this transfer would be part of a sting operation to identify the employee who was causing the security breach. I was instructed that if the bank asked me any questions, I should just say that I was sending the money to a friend. To my surprise ( and the delight of the scammers ), no one in the bank asked me anything about the highly suspicious wire transfer, despite the fact that it was for {$20000.00}, going to an individual, and coming from a XXXX XXXX XXXX. All banks including my bank have strict standards about high amount wire transfers. Senders should be asked a series of questions, such as, " How do you know the recipient? ", " What is the reason for this wire transfer? ", " Did anyone ask you to send this money? ", " How long have you known the people who have asked you to send this money? ", " Are you aware of the numerous scams involving wire transfers? ", " Were you pressured to make this transfer? '' " Did you discuss this with your family first? ", " Do you really need to send this immediately? ", etc. Had I been asked these types of questions, I am positive that I would have realized that this was a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SN SERVICING CORPORATION
State: MI

Complaint narrative:
For the XXXX time over the last few years ; they have said that I have gone XXXX days past due, when I request information on what payments they received, they usually ignore my first few requests and when they do send it its missing payments : On Mon, XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX wrote : I sent you your payment transaction history ( ATTACHMENT XXXX ) and unsure why every time you fall behind on your mortgage payments it is a debate. If the mortgage payments that were supposed to be made were made, we just simply would not be having this conversation. This is my job, when you are not performing on your mortgage payments I have to contact you on your plans. Now if you want more clarification on what payments you made, you may check your receipts or bank statements for payments you have made. You loan history shows all the payments, we have received. You are due from XX/XX/XXXX. A payment was just returned for {$1300.00}, you have an unapplied balance that may also be used toward back due payments of {$680.00}. The total amount for payments XXXX is {$6500.00}, minus the unapplied balance of {$680.00} is {$5900.00} that would need to be made to address full past due. Attached is also your yearly escrow analysis that has been run. XXXX XXXX, SN Servicing Corporation Account Representative XXXX XXXX XXXX XXXX, CA XXXX Office : ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX : ( XXXX ) XXXX Email : XXXX Website : XXXX A similar situation took place at the end of XXXX which almost brought our home to a foreclosure sale. I feel they have engaged in predatory practices, frequently i have experienced payment processing delays, payments returned ( the most recent return happened this month which i believe they are trying to use to take my payments past the XXXX day mark in order to foreclose on me again ) and poor or no communication ; even refusal to communicate with me because i accidentally hit the caps lock and a paragraph was in all caps- the agent accused me of yelling at her through an email and refused to communicate with me further. when we started having financial issues we filed XXXX seperate hardship requests ; XXXX was rejected, the other was denied. Later when we were facing foreclosure ; i was directed to their website for hardship assistance, however I was blocked from using it as they explained XXXX is blocked from applying for this after going so past due. I have a bunch of emails i condensed detailing these things which i can upload. Thank you for your time. regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I had a XXXX XXXX XXXX, VIN XXXX XXXXXXXX which was stolen on XX/XX/XXXX and it was declared total loss by my insurance State Farm ( Claim XXXX XXXXXXXX ). Then the lienholder XXXX XXXX and XXXX XXXX settled for {$11000.00}. On XX/XX/XXXX and on XX/XX/XXXX, XXXX XXXX sent XXXX Financials the settlement details and requested for the XXXX XXXX XXXX for XXXX XXXX to process the settlement amount but XXXX XXXX has not sent the Letter of Guarantee yet. I called XXXX customer service agent, sent a dozen emails and no XXXX of XXXX yet. I keep making the car payments for last 2 months which is very frustrating due to XXXX XXXX and totally irresponsible behavior to close this claim. Please help me close this total loss claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
The bank is reporting an active, " Open '' Line of Credit to major credit bureaus showing a {$20000.00} USD credit limit and an {$8800.00} balance with 44 % credit utilization, implying that {$11000.00} USD remains accessible as open consumer credit. The company 's billing statement dated XX/XX/year>, explicitly states the available credit is {$11000.00} USD. However, an operational conflict exists between the credit reporting metrics and the internal account coding. The companys backend network has structurally locked the account under a " Non-Transactional '' status. When a payment was attempted using this reported available credit to a third-party account, the transaction was rejected by the company due to the hard-coded " Non-Transaction Account '' status, triggering a {$30.00} returned payment fee on XX/XX/year>. A subsequent in-person visit to a local bank branch was made to confirm the active status of this " Open '' Line of Credit account. Branch personnel falsely assured the consumer that the line was active and transactionally operational, subsequently ordering and issuing physical paper checks for the account which were mailed to me. Relying on these explicit corporate assurances caused secondary financial injuries. A second third-party payment attempt was systematically rejected by the bank under the exact same " Non-Transaction Account '' error status on XX/XX/year>, resulting in an additional {$41.00} third-party returned payment fee. The bank is consistently reporting a healthy, open credit profile to all three registries while simultaneously encoding its internal network to block utility and account access. This creates fundamentally inaccurate data reporting under federal standards and penalizes the consumer for a systemic transaction blockade willfully engineered by the bank/financial institution .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: OK

Complaint narrative:
This company has called numerous times, and I have asked for the same information each time. I also called the IRS before speaking with them. The young lady stated that I needed to speak with someone about the information on my credit. If there is a charge-off, they place it in collections. Someone needs to verify what was done when the account was charged off, because most companies will file a XXXX for their profit loss. So, when they called back, this is what I asked for. When they asked how I was going to pay this debt, I asked for verification of the debt. I went through the whole process all over again. I told them to please send me the information through the mail, and I was sent a RESOLVE YOUR DEBT FOR Less Than Full Balance. That was the only piece that was sent to me. I told them I need to get this information updated, because this is keeping me from getting employment at this time. I would like the information I have requested, or I would like it removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I filed this FTC identity Theft Affidavit to report FRAUDulent accounts and inquiries are appearing on my consumer FiCO credit report which I do not recognize as reported and which are the result of identity theft and FRAUD. This FRAUDulent account is a credit card account opened at XXXX under the partial Account Number : XXXX, on XX/XX/XXXX without my consent or knowledge of its existence in the first place. I've attached a copy of the consumer FiCO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you was not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
am submitting this complaint due to the consumer reporting agencys failure to comply with the Fair Credit Reporting Act, specifically 15 U.S.C. 609 ( e ). I submitted a complete Identity Theft Report, including an FTC Identity Theft Report, proof of identity, and a written request for a mandatory block of an unauthorized account appearing on my consumer banking report. Despite receipt of all required documentation, the company failed to block and remove the identity-theft-related account within four ( 4 ) business days, as required by federal law. This was not a standard dispute. This was a statutory request for a block under FCRA 609 ( e ), which does not allow discretionary reinvestigation or verification. The continued reporting of this account constitutes willful and/or negligent noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to follow up on my previous request for the removal of specific items from my credit report. Despite having submitted all required documentation and supporting information, these items remain unresolved and continue to appear on my report. The accounts in question were not opened by me and are not associated with me in any way. I am requesting an immediate update regarding the status of this matter, including a clear explanation as to why these items have not been removed. It is my understanding that sufficient information has already been provided to support a proper resolution. Furthermore, I formally request the complete Method of Verification for these accounts, including the sources used, the procedures followed, and all documentation relied upon to verify the accuracy of the reporting. Under the Fair Credit Reporting Act, you are required to ensure maximum possible accuracy and conduct a reasonable reinvestigation. Continued reporting of inaccurate or unverifiable information is a violation of federal law. If these items can not be properly verified, they must be deleted immediately. Failure to comply will result in escalation through formal complaints and potential legal action. I expect a timely response and full resolution within the timeframe required by law.

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