vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Today I received my new escrow payment from Freedom Mortgage. It went up considerably. They based the increase on only crediting me XXXX payments when all XXXX were paid and verified through my bank. They said it was there perogative. I need help 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 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I sent a cash app to the wrong person. The cashapp account tried to refund me but it did not go through for some reason. Cashapp denied the refund and did not give me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian will not allow me to establish an online account. I go through the motions and they say they can't verify me. I've uploaded my drivers license, Passport and a bank statement as requested. I keep getting gear boxes online that say they can't establish an account. You can not get Experian on the phone as a consumer. This is plastered all over the internet that their customer service is non-exisitent and do not answer calls. It's so true! I'm at wits end here. They should be heavily fined for this! Please ask them to contact me or my husband at XXXX or XXXX. Any help would be greatly appreciated.

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My card was stolen and used to empty out my bank account at ATM they stole {$500.00} from me chase bank is saying no error occurred and will not reverse funds and closed claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am disputing an unauthorized overcharge on XX/XX/year>, totaling {$59.00}, by a foreign merchant XXXX XXXX XXXX XXXX who inflated ticket prices well above the officially advertised rate without my consent at the point of sale. Wells Fargo denied my claim because the merchant provided a receipt matching the credit card statement. When escalated, Wells Fargo claimed they were just following XXXX rules. However, under XXXX Dispute XXXX XXXX ( XXXX XXXX XXXX ), a receipt reflecting a fraudulent price does not constitute proof of an agreed-upon amount. Wells Fargo is failing to execute their regulatory duties under Federal Regulation Z by refusing to evaluate the price discrepancy and shifting blame to XXXX, the payment network. I have attached conclusive evidence proving the true agreed-upon price, including : ( XXXX ) the official ticket prices directly from the official website of the tour site, ( XXXX ) a photograph of the only ticket pricing posted at their physical ticket window, and ( XXXX ) my purchase receipt showing that this charge was meant for two tickets.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE REMOVE FRAUDULENT ACCOUNTS -XXXX XXXX XXXX, XXXX XXXX AND IQUIRIES - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This debt collector has done unjustifiable 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. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 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: Chime Financial Inc
State: OK

Complaint narrative:
On XXXX XXXX 2026, I received an email from CHIME saying someone was trying to log into my account. I dont have an account. I called and they said to ignore it. Then I got an email saying a physical card has being mailed to me, and then another saying it had shipped. I called CHIME back and they hung up on me. Called a third time and they said my email wasnt in their system. I asked how that was possible since I was getting emails from them. I even went to their site, used my email, and checked forgot password. It had a phone number that was not mine to verify the account. CHIME said they would remove my email. I got an email saying that it had been removed, but they didnt verify an account would be closed. I then got another email from them saying my account email had been changed. I have reported fraud on my credit. Im now awaiting a card in the mail that I never asked for and they claim doesnt exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have had this account for 4+ years, it was my only bank account, checking account. It was the account I had set up for my direct deposit with my job. The bank closed my account without my acknowledgement they never once tried to contact me through email, phone call, mail to let me know they were closing the account. I only figured it out because I could not log into my bank account app one day and I called the company. They said they closed the account but refused to tell me why. About a week before my account was closed. I was trying to deposit a check from the IRS. And they would not deposit it, they told me it would take a week for it to go into my bank account so I decided to get it cashed at a different place, and this place cashed it the same day. And oddly enough, my account was closed within a week of that it makes no sense, Ive had this account for a long time and they would not give me the reason for closing it. So now Ive had to wait an extra two weeks to get my payroll check because my job had already done payroll before they closed my account, and Im having to wait for the bank to deny the check, direct deposit, and let it be sent back to my job so that I can get a paycheck. This is BANK OF AMERICA!!! Also I would like to add that I am the only working person in my household, and I have XXXX children.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This debt collector has done unjustifiable 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. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off 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 2026-05-18 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: TN

Complaint narrative:
There are several sect collection on my credit report and inquires I did not make nor authorize the use of my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: OK

Complaint narrative:
I received a bill from XXXX Bank showing a charge of {$690.00} for a purchase at a XXXX in Georgia. I didnt open this account and didnt make any purchase on this account. I called the company and reported the problem. The account number was XXXX. The card was issued under Onepay. 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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, I received an incoming XXXX payment of {$2000.00} into my Capital One checking account. Capital One sent me an official confirmation email stating that the funds had been successfully deposited. Later, I was notified that the sender filed a claim alleging that the payment was unauthorized. As a result, Capital One debited {$2000.00} from my account on XX/XX/year>. After learning of the dispute, I contacted Capital One, fully cooperated, and submitted supporting documentation related to the transaction. Despite this, I was never provided with any meaningful explanation of how my evidence was reviewed or why it was not accepted. Capital One then informed me that my accounts had been reviewed, determined to have activity inconsistent with typical customer account usage, and permanently closed. I was also informed that I would not be able to open future bank accounts with Capital One. A representative told me I would receive a formal written explanation regarding this decision, but I never received such an explanation. The only physical letter I received was a generic notice asking me to verify recent account activity, which did not explain the specific basis for the decision. I also received a check for my remaining balance with a notation stating Customer Request Close Out, which appears inconsistent because the permanent account closure was a decision made by Capital One, not a closure I requested as part of this dispute. I am requesting a detailed explanation of the basis for this decision, clarification regarding what evidence was reviewed, confirmation of whether I was reported to any consumer banking databases, and correction of any inaccurate records if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: SC

Complaint narrative:
Notified that my loan information was released without consent. And that they are in an ongoing lawsuit. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: UNIVERSAL ACCOUNTS LLC
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX and its private loan servicer, Universal Account Servicing ( UAS ), regarding my private institutional loan. During my enrollment process, I was actively misled, manipulated, and coerced by campus financial aid staff. I was forced under duress to write a scripted statement allowing the school to alter and seize my financial aid allocation without my genuine, informed consent, which ultimately cheated me out of my XXXX refund. Furthermore, I was tricked into signing a Retail Installment Contract under false pretenses, without clear disclosure that I would owe out-of-pocket money to a third party after leaving the program.I officially withdrew/terminated from the program, and while the school applied a termination adjustment credit to bring my internal school balance to XXXX, they left a remaining private loan balance of {$3700.00} with UAS. I am an unemployed single mother facing severe financial hardship, and my phone line is currently disconnected due to lack of funds. I have already contacted the school 's XXXX of XXXX XXXX via email to report that I was cheated out of my refund and can not pay, but the school has refused to resolve this. I have also submitted a hardship ticket to XXXX. I am requesting a complete administrative cancellation and discharge of this remaining {$3700.00} balance due to deceptive, misleading, and predatory lending and enrollment practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

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 2026-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am actively being robbed by TD Bank. After numerous phone calls, endless mail and multiple debits cards TD bank has informed me that they can not locate my stolen funds, have no transaction history of my stolen funds and can not direct me to a person who can help me locate my stolen funds. I had two claims with TD. After initially being denied and making a complaint here on the CFPB, I was able to retrieve a small amount of which was stolen from me. The dilemma began NOT when I tried to dispute the charges the next day after fraud NOR was it when I was informed a month later that the disputes hadn't been filed NOR was it having my dispute denied ONE BUSINESS DAY after making it prompting complaint to CFPB. No. It comes two months later, after I spend almost TWO HOURS on the phone with your fraud department for them to inform me that the activity to which I am referring can not be referenced in their system. BUT I HAVE THE PRINTED PROOF! I have the printed transactions from my original venture into the bank, yet when I reference them to the fraud agent on the phone, it can not be found in the system. How convenient it is when you have and control the information. The agent on the phone was as lost for words as I was. Definitely going to need and explanation for that one. Here I have compiled a list of excuses given to me by TD Bank as to why they aren't able to put forth my stolen funds. 1. Nature of fraud requires a different, special type of dispute. 2. Money is being held by GSI and is waiting to be returned. I just need to submit and Affidavit of Fraud. 2. Disputes can not be made from savings account. 3. There is no activity present in account opened fraudulently. No money going in or out. Yet when presented with printed transaction history of occurring activity in those accounts, I'm told they are unable to see that on their end. My vision is tilting ; suddenly everything looks... crooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AR

Complaint narrative:
Charges XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX - {$31.00} XXXX XXXXXXXX XXXX XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX = {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX The transactions listed above were not made by me, nor did I authorize anyone to use my card to make these purchases. I explained to the bank that both my wallet and phone were stolen from XXXX. The police were able to recover my phone from the parking lot, but my wallet containing my card was never recovered. I filed a police report regarding the theft and provided a copy of the report to SoFi when I opened the dispute case. After disputing the transactions twice, I was refunded for XXXX of them ; however, the remaining transactions were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Credit card company started to charge customers for printed monthly statements. If I agree to receiving my statements online, it's free. I have not been able to see my statements online. I called customer service, they can not pull up my account. I was offered no explanation why I am denied to see my monthly statements from XXXX to XX/XX/year>.

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