vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I called TD Bank several times and have kept a close watch on my account. However, I noticed that funds were missing from my account. TD Bank insisted that no money was missing. Today, when I attempted to transfer money into my checking account, I noticed a {$3.00} charge labeled EXCESS TX FEE. Upon reviewing my account, I counted XXXX of these fees, totaling {$300.00}, which appear to have been backdated and deducted from my account without any prior warning or notification. I am requesting that TD Bank immediately refund these fees to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union permanently closed and blocked my account after a security incident where an unknown individual gained unauthorized access and attempted to add themselves to my XXXX profile. I immediately detected the unauthorized activity, logged the person out, changed my passwords, and secured my account. No fraudulent transactions occurred, and there was no loss to Navy Federal or myself. Despite this, Navy Federal labeled the activity as if it were done by me and placed a permanent ban on my membership without giving me a chance to provide an explanation or documentation. I am requesting that Navy Federal : 1. Review the incident correctly 2. Remove the permanent block 3. Reinstate my membership 4. Correct any records that suggest wrongdoing on my part I am currently in good standing with XXXX XXXX where I use XXXX daily with XXXX issues or fraud flags, which supports that I am a responsible banking customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint regarding a payment processed through Square that has been wrongfully withheld without proper resolution. A related complaint has already been filed by the payment recipient, who lawfully completed the contracted professional services. This complaint is being submitted by the payment sender. The payment was made for legitimate professional website development services, including : - website creation - setup - configuration - 3 months of ongoing technical support The contracted work was fully completed. Regarding this transaction : - The payment was authorized - Services were fully rendered - There are no disputes- There are no chargebacks- There is no fraudulent activity - An initial smaller test transaction was successfully processed - The subsequent primary payment was withheld by Square The recipient did not receive payment for completed services. I, as the sender, also did not receive a refund. As a result, Square is currently holding funds without properly transferring them to the lawful recipient or returning them to the sender. This raises serious concerns regarding the improper withholding of customer funds. I respectfully request a formal investigation into this matter, including : - Release of funds to the lawful recipient or - Full refund to the sender I also request that Square be required to provide : - Full written explanation for the withholding - Legal basis for retaining these funds - Clear timeline for final resolution Thank you for your review of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Maine XXXX XX/XX/2026 Radius Global SolutionsXXXX XXXX XXXXXXXX XXXX, MN XXXX Re : Request for Validation and Removal of Inaccurate Collection AccountAccount Radius Reference XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the above-referenced collection account that appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that the company provide full validation of this alleged debt. Specifically, please provide : * The name and address of the original creditor * The original account number * A complete payment history and itemized balance * Documentation showing I am legally obligated for this debt * Proof that your agency is authorized to collect on this account * Copies of any agreement bearing my signature * Full chain of assignment and documentation establishing legal ownership of the alleged debt

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 2026-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
MY XXXX REPORT IS XXXX XXXX FOR XXXX XXXX XXXX XXXX AND XXXX XXXX SETTLE FOR LESS THE FULL BALANCE BUT ON XXXX AND EQUIFAX ARE SAYING STILL OWE ON MY CREDIT REPORT THIS IS IN ACURATE INFORMATION IT SHOULD SHOW XXXX BALANCE CONSISTENLY ACROSS ALL BUREAUS AND IT KEEP RE AGING NEW DELINQUENCY AFTER SETTLEMENT THIS VIOLATE THE FAIR CREDIT REPORTING ACT BOTH AND THEY KEEP DELETING THE ITEM OFF MY CREDIT AND ADDING THE BACK ON THERE WITH XXXX XXXX I DID NOT RECEIVE NO LETTERS FOR READDING IT BACK ON MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Date:XXXX Account Number : XXXX Consumer Financial Protection Bureau RE : Complaint Against Portfolio Recovery Associates , LLC I am submitting this complaint regarding the debt collection practices of Portfolio Recovery Associates , LLC concerning an alleged XXXX XXXX account. Portfolio Recovery Associates is attempting to collect a balance of {$1100.00} from me. I disputed this account in writing multiple times and specifically requested documentation supporting the balance being claimed. In response to my disputes, Portfolio Recovery Associates provided : A letter indicating the account had been sold by XXXX XXXX XXXX account statements, including one reflecting a balance of {$890.00} However, despite multiple written requests, Portfolio Recovery Associates has failed to provide : A complete itemization explaining the increase from {$890.00} to {$1100.00} A full billing and transaction history Documentation supporting the interest, fees, or additional charges being added to the balance Complete records substantiating how the current balance was calculated Instead, they repeatedly sent substantially the same form response stating that they had reviewed the account and considered it valid, without addressing the specific discrepancies and documentation requests I raised. I believe Portfolio Recovery Associates is attempting to collect and/or report a balance that has not been adequately substantiated despite multiple good-faith disputes. I am requesting that : Portfolio Recovery Associates provide complete documentation supporting the balance claimed Any inaccurate or unsupported balance reporting be corrected The account be properly marked as disputed with all consumer reporting agencies I have retained copies of my dispute letters and their responses. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AUTO FINANCE USA, LLC
State: OK

Complaint narrative:
If I am even XXXX day late on my car payment, they contact me over and over via call, email, and text. I have deleted the texts and emails, but they called 8 times XX/XX/year> - XX/XX/year>. Again they also text for each of those calls, email for each call, and do the same amount for my wife They threaten to disable my car and state that it has been disabled, when it has not.

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 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX have committed identity theft against me when they bought sold and traded my personal information for monetary gain with out my consent from Bank of America opened fraudulently XX/XX/2021

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 2026-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XX/XX/year> sent letter out XX/XX/year> recieved reply but not what i was asking for. i have been trying to get all information on this account and they keep charging me interest. i have been trying for months now for them to give me the ontract to why and how they are charging me interest on thi account. yet i never get either a reply, or a letter back validating they care legally allowed to do so. i have asked for all docs and they have only sent 1 piece of paper that does not justify/legitimized theyre debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: NY

Complaint narrative:
I filed a pre ious case - XXXX The company contacted me explained the issue and asked for me to provide a response within XXXX days.I responded a day later gave them the updated information and sent has not heard from anybody about it.In that time, there's been numerous changes in the market

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I am alleging possible noncompliance with federal mortgage servicing error-resolution requirements under RESPA / Regulation X. CFPB Regulation X 12 CFR 1024.35 NewRez said that I had allowed my condo insurance to lapse. Aproximately 18 months ago I made six calls, one hour each asking if the insurance they ( wrongly ) bought for me was reimbursed to my account. Each call got a different answer, and with each their stated date of resolution was moved several weeks further out. Most recently, in XXXX, I received a letter from NewRez stating my deductible was too low : I was required to change it. I called to inquire again, about both matters, believing the former was resolved, but requested documentation to this effect. In fact, NewRez did not know, they said. Also, they said to ignore the " low insurance coverage '' letter. I requested this statement in writing. XXXX XXXX said he would call my XXXX agent to verify my coverage, requiring a reimbusement of more expensive coverage bought by NewRex to be reimbursed. I received an email ; " Per our conversation the high-deductible letter sent on XX/XX/XXXX is a recommendation for lowering your deductible to 5 % or below and is not a requirement. XXXX policy # XXXX that runs from XXXX is acceptable for your loan. We are currently showing a lapse from XXXX. Per our discussion you had a policy with XXXX during lapse period. I will continue to contact insurance agency to get confirmation of coverage during lapse period. Thank you, XXXX XXXX Newrez Mortgage Call Center Expert Matter Specialist I have received another letter aproximately XX/XX/XXXX stating that the matter is complicated, and they need more time to reach a conclusion. Additionally, I have received no documentation as requested in XXXX. I do not know that status of the matter ( " lapsed insurance '' ) from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
1 am filing a complaint regarding inaccurate reporting on the account XXXX account number XXXX XXXXXXXX Date Reported : XX/XX/2026 | Balance : {$2800.00} Account Number : XXXX XXXXXXXX Date Reported : XX/XX/2026 | Balance : {$2600.00} Account Number : XXXX XXXXXXXX Date Reported : XX/XX/2026 | Balance : {$1000.00} Account Number : XXXX XXXX Date Reported : XX/XX/2026 | Balance : {$3700.00} Account Number : XXXX XXXXXXXX Date Reported : XX/XX/2026 | Balance : {$2900.00} Account Number : XXXX XXXXXXXX Date Reported : XX/XX/2026 | Balance : {$3100.00} Account Number : XXXX XXXXXXXX Date Reported : XX/XX/2026 | Balance : {$3900.00} Account Number : XXXX XXXXXXXX Date Reported : XX/XX/2026 | Balance : {$970.00} Account Number : XXXX XXXXXXXX Date Reported : XX/XX/2026 | Balance : {$5000.00} Account Number : XXXX XXXXXXXX Date Reported : XX/XX/2026 | Balance : {$3400.00}. This account is reporting as Late 120 Days while simultaneously showing a XXXX dollar balance and status as Transferred, Closed due to transfer. The reporting is inconsistent across bureaus, including different Date Opened, Date Last Active, and Date of Last Payment. An account that has been transferred and shows no balance should not continue reporting active 120-day delinquent ies. This inaccurate and inconsistent reporting is harming my credit profile. I am requesting a full investigation and removal of this inaccurate negative reporting from all 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 2026-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had money in my account and first it was small transactions happening I didnt notice at first 4 days go by and someone used my card for over XXXX at once when it was time for me to pay dinner and my card declined

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There was a XXXX account that could not be verified so they closed it at the creditor 's grandeur I have proof and then the debt collector added it back and then the Creditor left it on my credit report so it shows I owe {$870.00} when none of it could be verified that's why it was removed

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 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : Request for Proof of Final Receipt of XXXX Funds U.S. Bank Failed to Provide Documentation I am submitting a follow-up complaint regarding an unresolved XXXX transaction through U.S. Bank . On XX/XX/year>, I sent {$600.00} via XXXX from my U.S. Bank account ending in XXXX to the intended recipient. The funds were withdrawn from my account immediately, and the transaction was marked as completed. However, the recipient has stated that they never received the funds. The recipient also contacted their financial institution and was informed that no XXXX deposit was received into their account. I previously filed a dispute with U.S. Bank and later submitted a complaint through the Consumer Financial Protection Bureau. U.S. Bank denied the claim, stating only that the transaction was processed according to the payment instructions provided. Despite repeated requests, U.S. Bank has failed to provide critical documentation proving where the funds were ultimately deposited. Specifically, the bank has not provided : * Proof of final receipt of funds * Receiving bank information * XXXX trace details * Confirmation of the account that accepted or received the funds * Settlement or posting documentation showing successful delivery to the recipient The banks response only confirms that the payment was initiated from my account, not that the intended recipient actually received the funds. I am requesting that CFPB require U.S. Bank to provide complete transaction trace and settlement documentation showing exactly where the funds were deposited and whether they were successfully claimed by the recipient. I am also requesting clarification regarding : * Whether the funds were returned, rejected, or deposited elsewhere * Which institution accepted the transfer * Whether the recipient identity and enrollment were properly verified I believe the investigation remains incomplete because the bank has not provided evidence of final receipt of funds despite denying my claim. Thank you for your assistance and review of this matter.

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 2026-05-17 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: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I remain listed as a borrower on a mortgage loan for a property I no longer own or occupy. This issue has been ongoing for approximately four years and is also part of an active court matter. After my divorce, I signed and completed the required documents to transfer my ownership interest in the property. In XX/XX/XXXX, I also signed the loan assumption documents requested by Rocket Mortgage in order to remove myself from the mortgage loan. Despite completing my part of the process, I continue to appear as an active borrower on the mortgage statements as of XX/XX/XXXX. Since XX/XX/XXXX, I have repeatedly contacted Rocket Mortgage by email and phone requesting written clarification regarding : - the status of the assumption, - whether the assumption was completed, - whether I remain financially liable, - and what is still pending. I have spoken with multiple representatives and supervisors and was repeatedly told that my requests were being forwarded to the XXXX Department. I was also verbally told conflicting information regarding whether the assumption was denied, approved, or completed. However, after months of requests and follow-ups, Rocket Mortgage has still not provided me with a clear written explanation of my current loan status or liability. At this point, I feel I have been continuously redirected and delayed without receiving any meaningful assistance or documentation, despite being listed as a borrower/customer on the mortgage loan. This unresolved mortgage liability continues to negatively affect my credit profile, debt-to-income ratio, and ability to obtain future housing financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Between XX/XX/year> - XX/XX/year> my Fifth Third account was compromised allowing my checing account to be accessed and hacked transferring funds via XXXX to an unknown person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On Monday XX/XX/XXXX I contacted Capital One who represents Walmart and ask them what amount they would settle for to close my account. They said they would settle for {$1700.00}. This was on a recorded line and this is the amount that they said not me. This amount was paid on Monday XXXX XXXX. On Saturday I received another bill from Capital One for more money. When they said it was closed due to the payment I made of {$1700.00} through my bank XXXX XXXX XXXX. This is the address I have for them its in my bank and its where the payments have been made to. This is a late account due to financial and homelessness. The following is the address I have had for them XXXX XXXX XXXX XXXXXXXX XXXX Ga. XXXX. Capital One telephone number XXXX. I had no credit cards up until XXXX when there was a traumatic situation and I ended up with five. This past week I contacted everyone involved. Capital One was first. The other companies were contacted and they are the ones that set amounts not me. I paid all of them except one. Which since Capital One has lied I am wandering about the others. So I will be requesting closing amount from them also. The one that is still not contacted I will contact them for a final amount. One of the companies said I had no balance. The other two one solved on Monday unless they lied and the other XXXX XXXX XXXX They also told me to send it and it was sent on Wednesday XXXX. I should have asked for closing amounts up front I didnt realize that these companies would lie ; I thought they would just want them settled.

Company response to consumer: Closed with explanation