vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I received an email from XXXX XXXX about a new mortgage in the amount of {$130000.00}. I researched it and found the entry was made by M & T Bank. I first contacted M & T Bank on XXXX XXXX, 2025 and informed them the mortgage for the referenced property did not belong to me. Requested erroneous entry removed. The mortgage company did not respond. Later the Mortgage company filed for bankruptcy. I was served. My lawyer met with bankruptcy attorneys and an agreement was made to remove my name from the loan/account/bankruptcy proceedings. On XX/XX/XXXX2025 a letter and court documents were mailed to the mortgage company. The mortgage company did not proceed with bankruptcy but continued to report late payments to my credit report. A couple of months later, bankruptcy action was resumed. XXXX XXXX, 2026, an additional letter and court documents relieving me of financial obligation for the mortgage were again forwarded to the mortgage information with signed orders from the judge. The mortgage company has again flagged my credit report with a bankruptcy. Not once has the mortgage company responded to me personally or provided any requested information. Instead every month negative entries are placed on my credit report.

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 2026-02-25 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: Chime Financial Inc
State: WI

Complaint narrative:
I was on XXXX there was a pop-up saying that I won {$100.00} worth of items. All they needed was an ID for verification and I had to pay shipping so they needed a credit card. I use my chime debit card and my drivers license for verification the next day. There was many unauthorized transactions from gaming companies from XXXX XXXX and overseas totaling of {$4600.00}. I contacted Chime and open a dispute one day later they denied my dispute, saying there was no error occurred. Contacted Chime again to find out what happened and why it was denied and they didnt give me a good reason besides that I needed to submit new information like a time card or a police report to reopen it. These are unauthorized transactions so I should be getting my money back. I did not authorize these transactions. I never did any kind of services with this company and its overseas Ive tried contacting this merchant many many times and I keep getting to leave a voicemail and they will get back to you and they have not gotten back to me.. I even sent an email. And I honestly do not think that chime got a hold of this company since I had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased an item from a merchant in XXXX through XXXX. The merchant ended up canceling the order, which is fine, but XXXX kept charging me. I went to submit a dispute, but they suggested that I try to deal with the merchant directly first, which seemed fair. But when the merchant stopped responding once I gave her the order number, I went back to XXXX who was largely unhelpful. After months of sending support forms with nothing in return, they finally responded after XXXX days saying that their policy is that disputes must be filed within XXXX days. Shortly after that, they closed my account but are still trying to charge me to this day. I explained the situation to my bank and they said an investigation was underway. They responded shortly after saying that the results of the investigation proved that I received the product. When I asked for what documentation they used to make this ruling, they sent me back an e-receipt from the original day of purchase. Mind you, for my documentation, I sent probably XXXX email threads, chat logs, and screenshots showing how the merchant stopped responding, XXXX explicitly told me to do the thing that they are trying to use as an excuse to avoid liability, and a customer service representative confirming that I sent multiple inquiries and even apologizing but saying that there way nothing they could do since XXXX days past. Despite all this, Capital One ignored all the documentation and proof I sent showing I never received the items because of, ironically, an e-receipt of the very item that THEIR OWN customer service representative acknowledged I never received. I am very concerned with these irresponsible business practices, and- beyond the emotional damage- this lead to my credit card ( also from Capital One ) being closed because they drafted the money out of my account that was setup for the credit card payment then compounded late fees, reversal fees, and interest fees. XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Date : XX/XX/XXXX Your name : XXXX XXXX XXXX XXXX, XXXX XXXX : Wells Fargo Bank , N.A . Company phone : XXXX Account number ( last XXXX ) : XXXX old checking, XXXX new checking, XXXX credit card Summary of complaint On XX/XX/XXXX I received a phone call from XXXX. The caller identified himself as a Wells Fargo representative, said there were suspicious transactions on my account, and said he would block my account. While on the call the representative read recent transactions from my account and asked me to verify them. He then sent a verification code in a message thread that appeared to be from Wells Fargo ; I used the code. The representative transferred me to someone claiming to be the XXXX Department and instructed me to perform steps I did not understand. I believed I was speaking to Wells Fargo employees. By the time I realized it was a scam, an unauthorized credit card charge for {$7000.00} had posted and {$3000.00} had been withdrawn from my checking account total loss {$9700.00} ( including related fees ). I have been a Wells Fargo customer since XXXX and have paid $ XXXX for fraud protection. After a XXXX internal investigation, Wells Fargo XXXX XXXX they are not responsible because the call did not originate from their systems, and they refused to reimburse the losses. Why I believe the bank is responsible The call came from XXXX XXXX customer service number ( XXXX ) as shown by my phone and online search, and the verification code arrived in a message thread that appeared to be XXXX XXXX messaging. I reasonably relied on these indicators and followed the representatives instructions. I paid for fraud protection and have a long-standing relationship with Wells Fargo XXXX XXXX reasonably expected the bank to prevent, detect, and resolve fraudulent activity and to protect customers from social-engineering schemes that exploit bank-branded communications. Wells Fargo acknowledged the transactions were fraudulent but declined reimbursement and provided no meaningful explanation of how to prevent or mitigate spoofed calls/messages. Timeline ( concise ) XX/XX/XXXX : Received call, provided verification, transferred to supposed XXXX Department, unauthorized transactions executed. XXXX : Reported fraud to Wells Fargo ; bank investigated for XXXX days. After investigation : Wells Fargo declined to reimburse and stated the call did not originate from their systems. Documents attached Account statements showing unauthorized transactions Screenshots of the message thread and verification code Call log showing XXXX I authorize the CFPB to share this complaint and the attached documents with Wells Fargo for response and investigation. Thank you, 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 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: ID

Complaint narrative:
I get calls XXXX a week around the XXXX hour and then again around the XXXX pm hour XXXX!! I am XXXX and do not work these people have all been told yet STILL harass me it NEVER STOPS!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
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 ) 1006.34, 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 next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect de

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 2026-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the following account listed on my credit report : I do not recognize this debt and dispute this account in its entirety. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this alleged debt. Please provide : The original creditors name and address A copy of the original signed agreement or contract A full accounting of the alleged amount owed Documentation proving I am legally obligated to pay this debt If you are unable to provide adequate verification, you must remove this account from my credit report immediately. Furthermore, if this account can not be verified, I request that it be deleted from all credit reporting agencies to which it has been reported. Please investigate this matter and respond within 30 days as required by law. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to formally dispute the interest charges of {$20.00} posted to my account on XX/XX/year>, and {$490.00} posted on XX/XX/year>. These charges stem from an 18-month " No Interest '' dental promotion that I believe was marketed in a misleading manner. When I signed up for this plan, it was presented as a " No Interest '' promotion. At no point was it clearly disclosed that this was a deferred interest product rather than a 0 % APR loan. As a consumer with an XXXX credit score, I am highly diligent with my finances and have made every payment on time throughout the 18-month period. Due to the lack of clear disclosure regarding the retroactive nature of the interest, I was unaware that a remaining balance of {$370.00} on the expiration date of XXXX XXXX, 2026, would trigger nearly {$500.00} in back-dated charges. I contacted your customer service department on XXXX XXXX, 2026, to request a one-time courtesy waiver based on my perfect payment history, but the request was denied. I am prepared to pay the remaining principal balance of {$370.00} immediately upon the removal of these interest charges. I want to ensure that credit profile remains protected from any negative reporting related to this dispute. ''

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 2026-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
In the end of XXXX I received the solicitation from Barclays regarding opening up a savings account with XXXX APY with minimum {$30000.00} deposit. I intended to deposit {$130000.00} into the account, XXXX XXXX Application ID : XXXX As result I have filed the application on XXXX/26 including downloading of the copy of my Illinois issued DL. The DL had also a valid address since 2000 when I first moved here. In addition I have had a relationship with Barclays Bank in the form of a credit card and I was a member in good standing with the bank. On XXXX/26XX/XX/XXXX I received what appeared to be an automated email asking for the same information regarding proof of my identity and address. In the letter there was a phone number included XXXX. When I called the customer service in the XXXX ( most likely provided by a third party vendor to the Barclays US ) I have had a problem communicating with the CSR as she was showing signs of XXXX resulting in slurred speech, lack of comprehension and very unusual speech pattern. When I asked to be transferred to the supervisor or CSR in the US I was told that's impossible. The person also refused to give me the employee number and the only indication she provided was as " XXXX. '' Every institution including Barclays requires a certain professional standards while conducting business and this rule applies all across cultures or geographic locations. However in this case I think Barclays is completely out of control by not only providing a supervisory function of the people that perform services on its behalf but apparently allowing XXXX personnel to work. As result I closed both the application regarding the savings and a credit card as I am not going to jeopardize my financial safety to organization that has no idea how to manage not only its staff but processes.

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 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year> I reached out to QVC following up on a replacement item I was being sent. Although the original item was marked delivered, I did not receive it. On the XXXX, I was informed QVC had requested the replacement item be sent back to them and my account canceled. I have attempted to resolve this with them multiple times to no avail. I am still being charged monthly for the item and have been refused when I requested they stop debiting my account.

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 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a complaint regarding an automatic repayment withdrawal for a Chime XXXX XXXX and the sudden closure of my account. On XX/XX/year>, Chime withdrew {$350.00} from my account for an Instant Loan repayment immediately upon my direct deposit being received. This withdrawal left me unable to cover essential living expenses, including [ rent/utilities/etc. ]. I contacted customer support on multiple occasions requesting a hardship accommodation, partial refund, or alternative repayment arrangement. I was told there was nothing they could do. Additionally, I was informed that my account will be closed on XX/XX/XXXX. I have called several times requesting a clear and specific explanation for the account closure, but representatives have not provided a detailed reason. I have only received vague responses without a full explanation. The automatic repayment combined with the pending account closure has created significant financial hardship and uncertainty. I am requesting a formal review of both the repayment issue and the decision to close my account, along with a clear written explanation for the closure and consideration of hardship relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: CO

Complaint narrative:
Since XX/XX/XXXX, I have asked on XXXX separate occasions to close my credit card with XXXX. Each time I am met with a generic response of someone will follow up with me via email, and then that email never arrives. My account is still open and I dont want it to be open I have a XXXX dollar balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: COMMERCE BANK
State: FL

Complaint narrative:
I have a commercial loan. I am trying to refinance XXXX of my properties and deadline is today for review. I have been trying to reach this bank at least XXXX days now and not able to connect anyone. I leave messages, they never return. Because of this I am not able to refinance or cost me much large dollar amount to refinance. They need to compensate me for failing to report my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account and social security number as been compromised resulting in to several unauthorized transactions on my credit card account listed above. Upon reviewing my recent statement, I identified the following charges that I do not recognize and did not authorize : {$590.00} {$500.00} {$990.00} {$4100.00} I never opened there accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am responding to your communication regarding the above referenced account. This letter serves as a formal request for validation of the alleged debt pursuant. 1. The name and address of the original creditor. 2. The full amount of the alleged debt. 3. Copies of any agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. Documentation showing you own or have been assigned this debt. Be advised that until you provide the requested validation, you must cease collection. Failure to comply with this request may constitute a violation of federal law. I request all future communications to be made in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC
State: MI

Complaint narrative:
This account was closed by the original creditor in XXXX of XXXX via reports of XXXX XXXX I had a celebratory congratulations notice posted for paying off account. And it had to show that it was closed at that time by the creditor. However last payment received was posted in collected in XXXX of XXXX no other payments have been made since finding out that the account has been paid off however I've been berated with phone calls both from XXXX until they passed it off I'm guessing to who is now a collector name XXXX but they're going for the money for someone under the vise of XXXX XXXX XXXX. I HAVE NOT YET TO RECEIVE MY TITLE TO MY CAR HOWEVER IT SHOWS THAT IT'S BEEN CHARGED OFF AND DON'T EVEN SHOW ON MY CREDIT REPORT HOWEVER A CREDITOR IS TRYING TO GET A DEBT THAT IS NOT OWED OR DUE. I HAVE EMAILS, DATING FAR BACK AS XXXX XXXX SAYING THAT THE ACCOUNT WAS CLOSED BUT WHEN OPENING IT IT OPENS TO XXXX XXXX AND IT'S LYING REPORTING SAYING THAT IT WAS CLOSED JUST THIS XXXX OR XXXX... HOWEVER CALLS FOR XXXX STOPPED AND NOW THE NEW FAKE DEBT COLLECTOR IS CALLING NON-STOP AND I DO NOT HAVE MY TITLE THAT IS DUE AND OWED TO ME as CONTRACT HAD 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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal credit took my money without notice and refusing a full refund

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
My business checking account with Truist Bank has been completely frozen since XX/XX/XXXX. I lost access to online banking and the mobile app. I have not received any clear written explanation, timeline, or formal notice regarding the status of my account. I deposited a check from a customer that later turned out to be fraudulent. I was unaware it was fake and I am a victim in this situation. Since then, the bank has frozen all funds, including legitimate deposits and my personal money. I am unable to operate my business or pay essential expenses. I have attempted to contact the bank but have not received a clear resolution or written status update. I am requesting : 1. Written confirmation of the investigation status. 2. A clear timeline for resolution. 3. Immediate release of legitimate funds if possible. This situation is causing severe financial hardship.

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