vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year>2026 I transferred a total of XXXX from my Chime checking account into my Chase Checking account. XXXX seperate transactions XXXX ID # XXXX, and XXXX ID # XXXX. On XX/XX/year>2026 I could see the pending transaction in my Chase account for XXXX. On XX/XX/XXXX, I go to check my account with Chase, and the whole account is gone, nit there anymore. I call Chase and unbeknownst to me they were in the process of closing out my Chase account due to inactivity for XXXX days, you would think and XXXX deposit would be activity, but I guess not. Chase states they sent the funds back to XXXX as the deposit was rejected. XXXX never received the funds. Today is XX/XX/year>2026 and no one can tell me where my money is. Chime states Chase never sent the funds back to them and they tracked it as a successful deposit into Chase. Chase states they rejected the deposit meaning they never received it as it was only pending, and it went back to sender. Chime refuses to help at all and states it Chase. Over the past few days I have been on the phone with surpervisors from both banks on three way calls, and no one can tell me where my money is. Im a single mother, I cant afford this, im going to lose my home. I was givin a Case ID # by XXXX on Wednesday XX/XX/XXXX, still have not seen my money or heard from the escalation team Case ID XXXX. I don't know what to do, this is unacceptable. I transferred funds to Chase, saw it as pending on XX/XX/year>2026 in my CHASE account, and now its disappeared. How is this possible, and why wont anyone help me? I need my money! Please help! How does a bank lose an electronic transfer?

Company response to consumer: Closed with explanation
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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed 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 non-monetary relief
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my credit report and found inaccurate information being reported on my account. I previously disputed these items, but they were not properly corrected or verified. I am requesting an investigation and removal of any inaccurate, unverifiable, or outdated information from my credit report. This issue has negatively affected my credit score and ability to obtain credit. I would like the company to provide proper verification or remove the inaccurate accounts.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I am filing this formal complaint against Openbank ( Santander Bank, N.A. ) due to an ongoing, unresolved technical lockout that is completely denying me access to my XXXX savings. On XX/XX/year>, I was locked out of my digital account due to an internal system error stating my registered cell phone number is " invalid. '' This system glitch completely prevents the bank 's platform from sending me the required Two-Factor Authentication ( XXXX ) SMS tokens to log in online or via the mobile application. I contacted Openbank XXXX XXXX XXXX via telephone over XXXX days ago on XXXX XXXX XXXX The frontline customer service representative confirmed my identity manually but stated they could not fix the system error and had to escalate the ticket to their backend technical support team. Despite a week passing, Openbank has failed to contact me, fix the technical glitch, or provide me with any alternative method to access my money. Openbank is currently holding my funds hostage with XXXX transparency or resolution timeline. This constitutes a severe failure in consumer banking access and liquidity preservation.

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: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: IL

Complaint narrative:
I applied for secured " Self Visa Card '', through Self Financial. I transferred {$200.00} from my checking account to this visa card. I filled out everything online, that they asked me for. After doing this, I received an alert that my card had been blocked due to fraudulent activity. I hadn't even received the card yet. Then when I finally got the card, a day or two later, I received another alert, saying that my card was blocked again. When I called to find out why, I was told that they needed to further verify who I was. They asked me to send them my bank statement as well as my W-2. I didn't feel that they needed this, as I had already filled out everything online. I honestly thought I was being scammed. So I decided to close the account. I spoke to a live person, and she assured me that I would have my money returned to me in 14 days. However, it's now gone beyond the 14 days, and I'm now being told, that they will not return my money to me if I don't send them my bank statement. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: MT

Complaint narrative:
Goldman Sachs Bank USA is misapplying a " merged accounts '' promotional exclusion to my Apple Card account. They claim my spouse was an existing cardholder, but she merely had an unexecuted, pending application shell from XX/XX/XXXX and did not accept a card or establish credit until using the promotional link on XX/XX/XXXX. This automated denial is a systematic failure to properly investigate a promotional billing error.

Company response to consumer: Closed with explanation
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: UT

Complaint narrative:
Hi prepurchased a stay at XXXX XXXX XXXX XXXX. Paid with my chase points. At the hotel they charged my Citi double cash card for the full stay as a mistake they said they would refund it. I called the hotel XXXX times and they emailed me showing they refunded. On my Citi card it never showed they refunded. I called Citi XXXX times and sent over proof that I prepaid as well as a pdf of the hotel showing they would refund. They denied the dispute. I still havent gotten a refund. I called Citi again and a manager looked at the dispute and the attachement agreeing it should be refunded and she would reopen the dispute. She did not. Im still out money. The hotel said Citi can call them directly they cant help me. Citi refused to even help me. I stayed at the hotel XXXX XXXX. Citi manager agreed I should have won the dispute they denied it without opening the files. She agreed on call it was recorded. Going to close all my Citi accounts after 6 years because of this.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I am filing this complaint against Robinhood Financial LLC for freezing my account for 13 days without adequate notice or explanation, preventing me from accessing approximately {$2000.00} in XXXX ( XXXX ) holdings. Robinhood sent only a vague, generic email providing no specific reason for the restriction. No clear explanation was given, no timeline for resolution was provided, and no alternative means of accessing my funds was offered. I was left completely locked out of my own assets with no actionable recourse. As a direct consequence of this freeze, I was unable to execute a planned sale of my XXXX position. During the period my account was inaccessible, the market moved against me, resulting in an approximate {$100.00} loss a loss I would not have incurred had I been able to access my account normally. I have attempted to resolve this through Robinhood 's customer support and received no satisfactory resolution. I have also filed a separate complaint with XXXX. I am requesting that the CFPB compel Robinhood to : ( 1 ) immediately restore full account access, ( 2 ) provide a clear written explanation for the freeze, and ( 3 ) reimburse the {$100.00} loss incurred as a direct result of their unilateral restriction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
on XX/XX/year> my wife made a XXXX payment to buy some merchandise online, and realized the same day that it was a scammer who never intended to send the merchandise. She reported immediately to Ally bank to investigate. The amount was {$68.00}. Later that weekend ( saturday or sunday ) we tried to withdraw cash from our joint checking account and found that it had been restricted when we called to find out why we kept getting a technical error from the ATMs. They said the entire account had been put on restriction due to the investigation and to just wait until it's done. They DID NOT mention how long it would take and did not mention that we had an option to cancel the investigation. This past weekend ( XX/XX/year> ) I called because the account was still on restriction and we had no access to our funds and needed to pay our bills. They could not give us any indicator of progress on the investigation and when we asked to just cancel the request for the investigation so we could access our account, they said that 1 ) we had to call back on a weekday to make that request, and 2 ) it would take another 7 days after that to remove the restriction. After threatening to move our account, they offered that they could put in a request for us so the other team could see it on Monday without us having to call back. This still leaves us without access to our funds for over 2 weeks when no aspect of our checking account had been compromised. This was a XXXX transaction that turned out to be to a counterparty who did not honor their side of the transaction, that we self-reported, but Ally locked down our entire checking account in response and refuses to remove the restriction in a timely manner. The entire situation feels like a ploy by Ally to hold onto our funds for longer so they can keep more interest. If this is how their system is set up, this is a systematic process to keep customer funds in low-yielding accounts while Ally continues to make money on them.

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 — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Since XXXX I have dealt with a loan officer who told us repeatedly that our closing costs were XXXX. We were sent to underwriting and conditionally approved in XXXX. We then found out our original loan officer left or was fired. New lady XXXX took over. She didnt know anything about the loan requested more documents after they were already sent. We have been waiting on title and thats all to get this loan closed. She proceeds to call me XXXX XX/XX/XXXX and inform me that closing costs were over XXXX and we didnt have enough. I requested a phone call today to talk about the issues and no one answered not even her XXXX XXXX. I have asked for a detailed closing costs to compare to the first one we were sent to see where the discrepancy is. They dont answer phone calls nor emails and dont transfer me to anyone when I call the main line to connect with someone higher.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
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: CITIBANK, N.A.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX. My hazard escrow was cancelled in error. In order to have it reinstated had to put it in writing. On XX/XX/XXXXXXXX/2026 a fax was sent to XXXX asking that my hazard insurance be escrowed. Mine you I have been in touch with customer service regarding this matter on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX I spoke to XXXX and he advised me i would need to put my request for hazard escrows in writing to have them reinstated hazard insurance escrows. On XX/XX/XXXX a request was sent thru their portal. XX/XX/XXXX I spoke to XXXX XXXX, request escrows for hazard and for another analysis. on XX/XX/XXXX spoke to XXXX XXXX, she said i was being escrowed for property taxes but not for hazard insurance. Also, on XX/XX/XXXX I spoke to XXXX XXXX and she transferred to XXXX and from XXXX to XXXX. XXXX gave me the fax number and mailing address to request for hazard insurance be escrowed. Hazard insurance is due to renew in XXXX, so we had time. On XXXX/2026 i sent a fax and certified letter requesting my hazard insurance be escrowed. i called on XXXX/2026 and spoke with XXXX, she said they did receive my written request. She was going to submit a request to team to expedite. I expected my hazard insurance to be escrowed by now. Now i will have to contact XXXX and pay for insurance until til is resolved. Hazard policy expires in 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 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I discovered that all my Capital One Credit Card Accounts had been closed. When I contacted Capital One, I spoke with a manager named XXXX, employer ID : XXXX and she was a representative in the Fraud and Dispute department. She claimed the reason for my account being closed was to a missed payment for my Platinum Secured Card. The Missed payment was on XX/XX/XXXX. I scheduled for this payment to be taken XX/XX/XXXX but their system did not take the funds. The bill was not due Until XX/XX/XXXX, however I attempted to pay it down earlier but due to their system taking 3 days to take the funds I was unable complete the transaction. Prior to this, I recently opened a New Account, the XXXX XXXX Credit card on XX/XX/year>, which was also closed and never had a single missed payment and no justification had been given as to why it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONAL DEBT RELIEF LLC
State: FL

Complaint narrative:
I receive at least 10 or more calls daily. From all over the US. Theres a different phone number they call me on. That NUMBER IS. XXXX. Please see they stop calling me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
A bank of america employee by the name of XXXX ( username XXXX ) scammed me out my money who works in the bofa fraud department and my money is currently in his account that he has with bofa who i currently bank with as well, the amount is {$24000.00} thats in his account, his account has been frozen from what a few tellers have told me and they do see my money in his account but no one has contacted me yet about it nor have credited my account because he abused his company rights, i should have been granted credit being that this is employee misconduct it has been well over 90 days, im trying to resolve this before a civil case is brought forth by me for employee misconduct against bofa

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 — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/year> I was in conversation with the debt collector and requested that the agreement we had came to be sent to me in writing either email or mail before I make the payment. The agent I was on the phone with from the company IQ Data XXXX said they cant do that and said that since I am not willing to pay the debt without having the written agreement beforehand, that I will penalized.

Company response to consumer: Closed with explanation