vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Complaint Description I am filing this complaint against Capital One for their refusal to honor my " Claims and Defenses '' rights under the Truth in Lending Act regarding a {$400.00} charge from XX/XX/XXXX. The Merchant Issue : I paid XXXX XXXX for career services including resume marketing and guaranteed job interviews. The merchant engaged in " lulling tactics, '' maintaining active communication with me as late as XX/XX/XXXX, to provide a false sense of progress and prevent me from disputing the charge earlier. Once they believed the standard 60-day window had passed, they ceased all communication and refused to provide the promised services. The Bank Issue : I initiated a dispute ( Case : XXXX ) in XX/XX/XXXX. Capital One initially provided a temporary credit but later reversed it, claiming the 60-day billing error window had expired. I escalated this to a manager, explaining that this is a case of " Services Not Rendered '' and that I am asserting my right to " Claims and Defenses, '' which allows for a one-year window to contest charges when a merchant fails to perform. The bank refused to acknowledge these legal protections and closed my case without a proper investigation into the merchants fraudulent conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: AR

Complaint narrative:
Ive had a lot of different chargers with chime for stuff I didnt purchase. Ive had to replace over XXXX cards this year because of it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been a customer of Regions Bank for over 20 years. I am submitting this case due to the calls with Regions Customer Service regarding my rate various times and told that it was a promotional rate. I was confused but I must have opened a XXXX XXXX account with the rate. So, with that beginning said, I spoke with Regions Customer Service in XX/XX/XXXX again about the rate, so that is when I opened a XXXX XXXX XXXX ( XXXX ) account and transfer the balance based on the rate tiers on the website. Shame on me, I thought they would do right by what they are advertising for their XXXX rates. I began monitoring, called a couple of times, explained what the website advertising rates were, but again was told that I had a promotional rate. It is very infuriating being lied too while looking at the website rates, my posted balance, and the rate I was being paid. If they are doing this to me, I can only image all the deposit customers that have this XXXX account and do not check and confirm the rate. The bank is advertising rates online and doing bait and switch in my view. Should this fall under XXXX XXXX?? Below are snippets of the website and my balance that day with the interest rate being paid on the account. This deserves a review of how all XXXX accounts have been paid for all customers. This is the website to view the published rates for the XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Posted Balance : {$26000.00} Interest Rate : 1.73 % Advertised Rate : 2.47 % XX/XX/XXXX Posted Balance : {$19000.00} Interest Rate : 0.50 % Advertised Rate : 2.47 % XX/XX/XXXX Posted Balance : {$14000.00} Interest Rate : 0.50 % Advertised Rate : 2.47 % XX/XX/XXXX Posted Balance : {$15000.00} Interest Rate : 0.50 % Advertised Rate : 2.47 % I have attached a document with this write up and snippets of what the published rate

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 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion has failed to comply with my identity-theft block request under FCRA 605B ( 15 U.S.C. 1681c-2 ). I submitted a complete 605B package to TransUnion, including : proof of my identity, proof of my current address, an IdentityTheft.gov Identity Theft Report ( or other qualifying identity theft report ), identification of the specific tradelines/inquiries to be blocked, and my statement that the items are not related to any transaction by me. Despite TransUnions receipt of the complete package, TransUnion has not blocked the identity-theft information and has not provided written confirmation of the block or an updated disclosure reflecting the removal/block. Items requested to be blocked ( identity-theft information ) Tradelines ( not mine ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries ( not authorized ) : XXXX XXXX XXXX XXXX XX/XX/year> ( plus any additional identity-theft items listed in my Identity Theft Report and attached 605B request letter ) Why this is a problem : Under 15 U.S.C. 1681c-2 ( a ), when a consumer reporting agency receives a complete 605B package, the CRA must block the reporting of the identity-theft information within the statutory timeframe and provide confirmation. Continued publication of identity-theft tradelines/inquiries after receipt of a complete package is harmful and prevents me from restoring my file to accuracy.

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 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: NV

Complaint narrative:
I am filing this complaint against Westlake Services , LLC ( dba Westlake Financial ) regarding a XXXX XXXX XXXX ( Account : XXXX ). 1. Material Disclosure Violations ( TILA ) : Per the attached Retail Installment Sale Contract ( Page 2, Line 6I ), a {$6000.00} cash down payment was made on XX/XX/XXXX. However, Westlake has failed to accurately reflect this principal reduction in their accounting. The " Amount Financed '' and subsequent " Unpaid Balance '' appear to be calculated without proper credit for this {$6000.00}, which constitutes a violation of 15 U.S.C. 1638 ( a ) and 12 CFR 1026.18. 2. Wrongful Repossession & Defective Notice : On XX/XX/XXXX, Westlake repossessed the vehicle despite being put on notice of these accounting discrepancies via a " Notice of Intent to Sue '' sent on XX/XX/XXXX. Westlake subsequently issued a " Notice of Our Plan to Sell Property '' claiming an " Unpaid Balance '' of {$20000.00}. This balance is mathematically impossible if the {$6000.00} down payment and 25 months of payments ( $ XXXX ) were properly amortized. XXXX. Exercise of Right of Rescission : On XX/XX/XXXX, I exercised my statutory Right of Rescission under 15 U.S.C. 1635 due to the failure to provide accurate material disclosures. I have also submitted a mandatory 10-day extension request ( attached ) which legally moves the earliest date of sale from XX/XX/XXXX, to XX/XX/XXXX. 4. Desired Resolution : I demand that Westlake Financial acknowledge the rescission of the contract, terminate all security interests, refund all payments made to date ( including the {$6000.00} down payment ), and cancel the scheduled sale of the vehicle immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CredCare, LLC
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research, XXXX XXXX is a debt collector. They are falsely reporting on my credit! Account XXXXXXXX XXXX XXXX XXXX is falsely reporting credit file and is against my rights and fair credit act. Under U.S. Code 16 of investigation consumer report, you are in violation.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-03 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XX/XX/XXXXXXXX CXX/XX/XXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Office of Michael J. Scott, PC
State: AL

Complaint narrative:
On XX/XX/XXXX, a judgement was entered against me in a small claims court in XXXX, Alabama for the amount of {$490.00}. The company that won the judgement is XXXX XXXX, XXXX. Due to health problems, I was unable to attend the trial. At that time, I was receiving Social Security benefits as my only source of income. However, I was unable to relay this message to the court before the judgment was rendered. I was subsequently contacted by the Scott and Associates law firm ( PXXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX and told that I MUST pay the amount or my property could be seized and my bank account be levied. I told the attorneys that I did not have the money that I owed, but I could pay in small increments. The attorneys agreed to set up a payment plan of {$50.00} a month with an initial amount of {$140.00} due up front to start the plan. The problem is I have been receiving Social Security since XXXX. Since XXXX, those Social Security benefits have been my only source of income. Under Alabama State and Federal law, some kinds of income and benefits cant be taken by a creditor and are protected from debt collection. This is called exempt income. The first payment was made on XX/XX/XXXX and has continued since that time. The last payment is due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint Summary : Improper denial of a {$3500.00} bank account bonus. Narrative : In XX/XX/year>, I received a solicitation from Wells Fargo to upgrade to a XXXX Checking account for a {$3500.00} bonus. The requirement was to bring {$500000.00} in " new money '' and maintain it for 90 days. On XX/XX/XXXX and XX/XX/year>, I deposited a total of {$500000.00} of external funds. Before making these deposits, I consulted with a Wells Fargo account officer ( XXXX XXXX ) at the XXXX, CA branch. I specifically asked if holding the funds in a bond would satisfy the " maintenance '' requirement. XXXX XXXX confirmed it would. I never withdrew any funds. However, Wells Fargo has denied my bonus because the market value of the bond dipped slightly to {$490000.00} ( approx. 1.6 % decline ), even though the account also had {$4900.00} accrued interest plus cash balance of {$2500.00} for a total account balance of {$490000.00} at the end of XXXX, during the 90-day window. This denial is a breach of the spirit and letter of the offer. I fulfilled the " New Money '' requirement, and a market fluctuation in a bank-approved investment product does not constitute a failure by the consumer to " maintain '' the assets. The bank has failed to honor its contract despite my full performance and my reliance on their officer 's professional guidance. I have attempted to resolve this through the branch and the Wells Fargo Enterprise Complaints Management Office, but they have refused to honor the promotion. Desired Resolution : Credit the {$3500.00} promotional bonus to my account immediately.

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 2026-05-04 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I disputed this CareCredit account ( ending in XXXX ) on XX/XX/year>, XX/XX/year>, and XX/XX/year>. In each dispute, I requested a full Method of Verification ( MOV ), proof of ownership, original signed agreement, and complete account history. I also sent supporting dispute information directly to the company. Despite multiple disputes and requests, the company has failed to provide any actual documentation or proof of verification. Instead, they have only responded with generic statements claiming the account is accurate or valid, without providing supporting evidence such as a contract, chain of ownership, or investigation details.

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 2026-05-03 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: CITIBANK, N.A.
State: OK

Complaint narrative:
A few months ago I was sent a promotion offer of 0 % until XXXX of XXXX or .99 % until XXXX of XXXX if I filled out a check and did a balance transfer from XXXX XXXX XXXX to Citi. I had accounts with both companies, but the offer to transfer came from Citi. I filled out the offer and mailed it back to Citi and they paid off my XXXX account, but at my current interest rate of 28.99 %. The balance I was transferring was under 20 % interest so I would have NEVER transferred a lower rate to a higher card. I have call 3 separate times and they keep telling me the offer expired, but they went ahead and charged me the 5 % balance transfer fee! They sent me a letter that states that they will not offer the promotion becuse it expired, although I already have another offer from them online and in my mail. They took their 5 % fee, but wont honer the lower interest rate. They told me that in writing. This is a SCAM. They are crooks and will not do anything to help me... now I have a higher payment, owe more in fees and interest and they refuse to help. Help me!! Thanks, 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 2026-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am filing this complaint against Jefferson capital systems , LLC regarding an account they are reporting on my credit file. I have disputed this account multiple times ( over XXXX times ) and formally requested full validation and Method of verification ( MOV ). Specific as lot, I requested documentation such as a signed contract bearing my signature, proof of legal ownership of the debt, and details of how the account was verified!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 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: Revolut Technologies Inc.
State: ME

Complaint narrative:
XXXX declined all my disputes for unauthorized electronic fund transfers totaling over {$7000.00}. Disputed transactions include : XXXX original transactions ( {$2400.00} total ) : XXXX XXXX Sent Money ( XX/XX/XXXX {$200.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$20.00}, XX/XX/XXXX {$100.00} ), Cash App to unrelated people ( XXXX XXXX {$120.00} XX/XX/XXXX, XXXX XXXX {$100.00} XX/XX/XXXX ), Cash at XXXX XXXX ( {$500.00} + {$400.00} XX/XX/XXXX ). XXXX XXXX claimed refunds I never received. XXXX XXXX XXXX XXXX charges ( XX/XX/XXXX {$1100.00} ; XX/XX/XXXX {$1000.00} ; XX/XX/XXXX {$1200.00} ; XXXX XXXX {$600.00} ; XX/XX/XXXX {$550.00} ; XX/XX/XXXX {$300.00} + others totaling ~ $ XXXX ). I live in XXXXXXXX XXXX I reported fraud promptly. Revoluts responses : ( XXXX ) no security logs, IP addresses, device IDs, geolocation, or authentication records provided ; ( XXXX ) claims of manual override or digital wallet without evidence ; ( XXXX ) confirmed in writing no Cash App refunds arrived ; ( XXXX ) refused to reopen disputes or issue provisional credit ; ( XXXX ) runaround on Subject Access Request. This violates XXXX XXXX ( XXXX ) : XXXX must investigate unauthorized EFTs and provide provisional credit within XXXX business days. They have done neither. I request full investigation, provisional credit for the entire amount, production of all records, and reversal of every transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Identity Theft, Data Breach Exposure, and Request for Immediate Correction of Inaccurate Credit Information I am submitting this complaint to the Consumer Financial Protection Bureau regarding identity theft and the presence of inaccurate, unverifiable, and unauthorized information on my consumer credit profile. I recently received alerts indicating that my personal information was exposed in a data breach. After reviewing my consumer credit reports, I discovered multiple accounts, names, addresses, phone numbers, collections, late payments, and derogatory marks that I do not recognize, did not authorize, and have no knowledge of. Based on my review, I believe I am a victim of identity theft and that my consumer file has been compromised with fraudulent and inaccurate data. Specifically, my credit profile contains : Unauthorized accounts and collections not opened or approved by me Inaccurate personal identifying information ( names, addresses, phone numbers ) Late payments, charge-offs, and derogatory marks that do not belong to me Entries that are unverifiable and can not be legitimately confirmed as mine

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 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
PROFESSIONAL DEBT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research, PROFESSIONAL DEBT XXXX is a debt collector. They are falsely reporting on my credit! Account XXXX is falsely reporting credit file and is against my rights and fair credit act. Under U.S. Code 16 of investigation consumer report, you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate credit reporting on my consumer report. The account in question is listed under [ affirm inc, account number ending in XXXX This account is being reported inaccurately because : It shows negative reporting without any payment history This account does not belong to me, Under the Fair Credit Reporting Act, all reported information must be accurate and verifiable. I am requesting that this account be properly investigated and either corrected or removed if it can not be verified. Additionally, if this account is being collected, I request validation under the Fair Debt Collection Practices Act, including full documentation proving I am legally obligated for this debt. I expect a timely investigation and correction of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
-XXXX XXXX, sent Driver 's License & utility bill per their request as they were having me confirm my purchases which were valid and not fraudulent. XXXX XXXX, they closed my account saying " information sent not correct '' -Spoken to them many times daily since then to find out why the closed my account when - sent EXACTLY what they asked for. -They refuse to tell me, said I need to subpoena that information. -They 've reported the closure to my credit report which has affected my score. -They 've made an error. -They say I can re-apply after 30 days, which I have no intention on doing.

Company response to consumer: Closed with non-monetary relief