vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I am filing a complaint against USAA Federal Savings Bank regarding the closure of my account without my authorization and without a clear, adequate explanation. On XX/XX/year>, I discovered that USAA had closed my checking and savings account. I did not request that the account be closed. Before the closure, I received inadequate notice and vague explanation that did not identify any specific reason. This account closure has caused me harm, including loss of access to my funds, bounced payments, returned deposits, late fees, inability to pay bills, damage to my banking history, emotional distress, physical distress, time spent trying to fix the issue. The amount of money affected was approximately {$25000.00}. I contacted USAA on XX/XX/year> by phone, and I spoke with the fraud department. I asked USAA to explain why the account was closed, provide any documentation supporting the closure, confirm whether any fraud or suspicious activity was alleged, and explain what would happen to my funds. USAA failed to provide a clear explanation, refused to reopen the account, gave inconsistent information, would not release my funds promptly. If USAA relied on inaccurate information, suspected fraud without a proper basis, or reported negative information connected to this closure, I dispute that and request a full investigation. If USAA furnished information about this closure to any consumer reporting agency or checking account reporting agency, I request that any inaccurate information be corrected immediately. I am asking for USAA to : XXXX. Provide a written explanation for why my account was closed ; XXXX. Provide copies of any notices, internal determinations, or policies relied upon for the closure, to the extent permitted ; XXXX. Immediately release all remaining funds owed to me, if not already sent ; XXXX. Reverse any fees, penalties, or negative consequences caused by the closure ; XXXX. Correct any inaccurate reporting made to any consumer reporting agency or checking account reporting agency ; XXXX. Confirm in writing that this matter has been fully investigated and resolved.

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 2026-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
These creditor are reporting false dates and wrong address of the time of the loan was open I need them to be removed and deleted off my.report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
I am filing this complaint regarding the handling of a fraud dispute by Chime XXXX. I disputed a transaction in the amount of {$450.00} after being scammed by a merchant. The merchant initially failed to deliver the purchased item and later claimed to send a replacement package. However, the tracking information provided for the replacement package was invalid and could not be verified as a legitimate delivery. This dispute has been denied on XXXX separate occasions. After the initial denial, I submitted additional information and again requested clarification regarding the basis for the determination. The dispute was denied a second time without any new explanation, supporting documentation, or investigation findings being provided. Chimes denial stated only that no error occurred, without providing any factual basis for this conclusion. I have repeatedly requested documentation supporting this determination, including any merchant evidence, delivery confirmation, XXXX verification, investigation findings, or other materials relied upon in reaching the decision. On XX/XX/year>, I contacted Chime by phone and was informed that a detailed written explanation would be provided within XXXX business days. On XX/XX/year>, Chime emailed me only a copy of my dispute intake form and the evidence I had originally submitted. This did not include any explanation of the denial or any evidence relied upon by the institution. I am submitting this complaint now because the institution has not fulfilled its stated commitment. To date, I have not received : Merchant documentation supporting delivery XXXX confirmation or GPS delivery scan Signature confirmation Investigation findings or notes A meaningful explanation of how the determination was made Because this dispute involves fraud and invalid tracking information, I am concerned that the investigation may not have been conducted in a reasonable manner or that the additional evidence I submitted was not fully reviewed. I am requesting that Chime provide the complete investigation results and supporting documentation used in denying this claim, and that the dispute be reconsidered or reopened. If the merchant can not provide verified proof of replacement delivery, I am requesting a refund of the disputed amount. I am seeking a fair and transparent review of this fraud dispute and clarification regarding how the institution concluded that no error occurred without providing the factual basis for that determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XX/XX/year>, I contacted my mortgage servicer, Freedom Mortgage, regarding my loan and was placed on a loss mitigation / assistance plan. I was explicitly instructed by the company that I was not required to make payments for XXXX, XXXX, and XX/XX/year>. I followed the instructions provided by the company in good faith. After that period, I resumed making payments and made payments for XXXX, XXXX, and XX/XX/year> as agreed. Despite following the companys instructions, Freedom Mortgage reported my account as late for XXXX, XXXX, and XX/XX/year> to the credit bureaus. This reporting is inaccurate and misleading because the non-payment during those months was based on the companys own guidance under a loss mitigation or partial claim arrangement. As a result of this incorrect reporting, my credit has been negatively impacted. Additionally, there is inconsistency between credit bureaus. Some reports show only XXXX late payments while others show XXXX, which further demonstrates that the reporting is unreliable and inaccurate. I am requesting that Freedom Mortgage : XXXX. Correct the inaccurate late payment reporting for XXXX, XXXX, and XX/XX/year> XXXX. Update all credit bureaus ( XXXX XXXX XXXX XXXX ) to reflect accurate payment status XXXX. Provide a full explanation of how these late payments were reported despite their prior instructions I have supporting documentation showing my payments beginning XX/XX/year> and evidence of the agreement.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
I have been trying to close my account with XXXX since XX/XX/year>. This company refuses to let me still and keeps giving me the run around and refuses to close the very unwanted account. It's to XXXX XXXX this is what I'm forced to do. My name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am submitting this complaint regarding the closure of my Wells Fargo XXXX credit card account, originally opened in XXXX. On XX/XX/XXXX, Wells Fargo closed my account. At the time of closure, my balance was {$0.00}. My official statement dated XX/XX/XXXX confirms that I had XXXX rewards points under the Wells Fargo XXXX program, with an approximate value of {$970.00}. The account was closed only XXXX days after the statement was issued, and I was not provided a reasonable or meaningful opportunity to redeem my accumulated rewards prior to closure. Furthermore, when I requested my account records in person at Wells Fargo branches, I was informed that multiple monthly statements ( XX/XX/XXXX through XX/XX/XXXX ) could not be provided. This raises serious concerns regarding the completeness and reliability of the banks records used to justify the account closure and forfeiture of rewards. While I acknowledge that I had XXXX isolated late payments in the past due to travel, my account was fully paid, current, and in good standing at the time of closure. There was no outstanding balance, no delinquency, and no indication that my account posed a financial risk warranting forfeiture of earned rewards. Under these circumstances, the forfeiture of nearly {$1000.00} in earned rewards constitutes an unfair and disproportionate outcome, especially given the lack of adequate notice and the absence of a reasonable opportunity to redeem the rewards. I respectfully request a formal investigation into this matter and seek restitution in the form of either reinstatement of the XXXX rewards points or a cash equivalent. If this matter is not resolved, I am prepared to pursue further remedies, including escalation through appropriate regulatory and legal channels. Sincerely, 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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 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: Chime Financial Inc
State: FL

Complaint narrative:
I am filing a complaint regarding an unjustified cleaning fee charged after a car rental. After returning the vehicle, I was charged a cleaning fee despite returning the car in normal condition. The merchant claims the charge was due to debris and sticky residue, but has not provided any invoice, receipt, or documentation showing that professional cleaning services were performed. The amount of the charge has also been inconsistent. I was initially charged {$120.00}, later offered a reduction to {$50.00}, and then told the fee was {$100.00}. The photos provided only show minor crumbs consistent with normal use and do not justify a cleaning fee. I believe this charge is arbitrary and not based on actual cost or damage, and I am requesting a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
b'When I use My Card Somewhere Other Then My Bank I Get Charged Twice Once From Who I Draw Money From Then My Bank Charges Me XXXX Dollars When The Place Im Getting Money From Also Charges 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 monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I own a Synchrony Bank Carecredit XXXX that can only be used if a doctor or physician accepts carecredit. I was suggested to get this when I couldn't afford medical bills for my wife so i took it out. I never knew it could end up having a 39 % APR ( fine print ). I maxed it out after my wife lost her job due to medical reasons paying for medical bills. I always made on time monthly payments but then this card and many others got maxed out and I was paying {$1300.00} per month in ONLY interest to credit cards including this one. I contacted carecredit and asked about the payment security insurance I realized I paid extra for. They said I needed a form signed by a doctor proving why my wife had to leave her job. She could not get this signature because she had a unique health/thyroid issue. XXXX XXXX XXXX were XXXX year wait time to get in and she had fainted driving to work almost crashing in a ditch. So we sought care with a homeopathic doctor to help her. They helped her and she returned to full time employment XXXX months later and is doing well. Synchrony refused to accept this as loss of income and honor the payment security meant to erase your debt due to job loss or leave of absence. They sell a product that all they do is deny claims for and is unfair to the consumer. All of this was explained to synchrony bank and then they just offered to close the account. Then they said even though i filed the claim to forgive the balance the clock was still running on my " promotional interest '' and tacked on {$1300.00} to the account putting it over it's limit ( I had kept paying just min interest and was at XXXX but not over limit ). Then I called synchrony bank over XXXX more times trying to resolve this on my lunch breaks and only got put on hold and transferred to people that could never offer a solution other than " close account and pay it ''.

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 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently applied for the Capital One XXXX XXXX credit card. Upon submitting my application, I was immediately approved. Shortly afterward, I was instructed to verify my identity by scanning my drivers license through an online link. However, despite multiple attempts, the website repeatedly failed to process my submission. I contacted Capital One customer service for assistance. During my initial call, the representative was dismissive and stated that the issue was my fault, claiming that no other customers experienced this problem. Unsatisfied with this response, I ended the call and contacted customer service again. The second representative provided me with an alternative link to upload my identification and bank statements, which I promptly completed. Following this submission, my account was restricted. When I called to inquire, I was informed that the restriction was due to the need for identity verification. The next day, I received confirmation that my documents had been accepted. However, I was then notified that my Capital One account had been locked. Upon contacting Capital One again, I was told that they had attempted to reach me earlier but were unable to verify my identity. I later discovered that Capital One had contacted my father and sister regarding this matter, despite the fact that they are not associated with my account in any capacity. I am deeply concerned about how their contact information was obtained and why they were contacted, as this appears to be a serious breach of privacy. Capital One then opened a new case and requested that I resubmit my identification, bank statements, and proof of residence. I complied immediately and provided all requested documentation again. Throughout this process, my interactions with customer service have been consistently unhelpful and frustrating, with no clear guidance or resolution provided. Most recently, I contacted Capital One for an update and was informed that the credit card account I applied for just XXXX days prior had been permanently closed. When I asked for an explanation, I was told that no information could be provided and that there was no possibility of resolution. This situation is extremely concerning. I already hold another Capital One credit card in good standing, with no prior issues related to identity verification. It is unclear why this application has been handled so differently. Additionally, when I requested escalation or further assistance, I was informed by a representative XXXX XXXX, ID : XXXX ) that she was the highest authority available and that no one else could address or resolve my concerns. This response is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Validation of Debt Request - XXXX XXXX BANK N.A - XXXX * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nexXXXX XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief