vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I opened a checking account with Wells Fargo bank on XX/XX/XXXX. There was a {$400.00} incentive for opening up an a checking account at the time. Terms for the new account opening bonus included a deposit of {$3000.00} within 90 days. I made qualifying deposits of {$1500.00} and {$1500.00} on XX/XX/XXXX, and XX/XX/XXXX, respectively. But because the bonus hadn't posted, an additional deposit of {$3000.00} was made on XX/XX/XXXX -- this was characterized in the Wells Fargo system as a " direct deposit. '' If the {$3000.00} deposit is the only one that triggered the deposit, then I shouldn't be penalized for being one day over 90 days due to slow processing. When I called Wells Fargo bank on XX/XX/XXXX, I spoke with XXXX who informed me only that my account " didn't qualify '' for the bonus, without providing any 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 2026-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VW Credit
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Volkswagen Credit / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Formal Dispute Inaccurate Credit Reporting / Illegal Re-Aging / Demand for Correction ( FCRA 605 ( c ) ) To Whom It May Concern, This letter is a formal dispute of inaccurate and misleading information being reported on my credit file regarding the account listed below. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( c ) [ Section 605 ( c ) ], which governs the reporting period for delinquent accounts. Account Type : Auto Account Status : Charge-Off ( Paid ) Reported Date of First Delinquency : XX/XX/XXXX Date Major Delinquency First Reported : XX/XX/XXXX Charge-Off Amount : {$13000.00} The reporting of a Date Major Delinquency First Reported of XX/XX/XXXX is inaccurate and constitutes illegal re-aging of this account. Under FCRA 605 ( c ), the XXXX reporting period must begin 180 days after the actual Date of First Delinquency that led to the charge-off. This date can not be changed, re-aged, or extended by any furnisher of information. Your reporting reflects a significantly later delinquency date than the original delinquency ( XX/XX/XXXX ), which improperly extends the time this negative account remains on my credit report. This is a violation of federal law. I am demanding the following : Verification of the true and original Date of First Delinquency Immediate correction of all inaccurate reporting with all consumer reporting agencies OR Immediate deletion of this account if you are unable to verify full compliance with FCRA 605 ( c ) Additionally, please provide : Complete account records Full payment history Documentation supporting the reported delinquency dates Method of verification used in your investigation Please be advised that failure to correct or delete this inaccurate information will result in escalated complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney General, as well as potential legal action for violations of the FCRA. You are required to complete your investigation within 30 days of receipt of this notice and provide written confirmation of your findings. I expect your prompt compliance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank accepted and processed payments after acknowledging identity theft and closing account ending XXXX. Balances from that account were transferred internally to other Synchrony accounts, and interest continues to accrue on those balances. Payments were not consistently applied to the controlling balance, resulting in a recurring balance that can not be resolved. Request full payment trace across all accounts, correction of misapplied payments, removal of interest derived from fraudulent/closed accounts, and written confirmation of corrected balance.

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing a complaint against Capital One regarding a serious account access and identity issue that has not been resolved despite multiple attempts. Capital One appears to have incorrect or mismatched personal information between their credit card and banking departments, specifically involving my Social Security number and identity verification. As a result, I have been locked out of my account and unable to access my funds. I spent over 2.5 hours on the phone with Capital One and was transferred more than eight times between departments. No representative was able to resolve the issue, and I was given conflicting or unclear information. This situation directly impacted my family. My daughter was left stranded without access to her card due to this account issue, which is completely unacceptable and created a serious real-world safety concern. I am requesting : * Immediate correction of my personal and Social Security information across all Capital One systems * Full restoration of access to my accounts and funds * An explanation of how this error occurred * Assurance this will not happen again This situation reflects a breakdown in internal systems and customer support, and I expect urgent resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Capital One account with a {$300.00} limit. I have made a payment previously with my bank account with no issues. I had a {$250.00} balance. I paid that in full with the same bank account. Today, XX/XX/year>, I received an email stating that they were instituting a 6 day hold to BEGIN after my due date of XXXX XXXX. The money had already come out of my bank account. I do expect a hold of 5-6 days to confirm the money is coming out, but 14 calendar days seems grossly excessive, especially since the last payment I made did not have these issues. I spoke with XXXX employee id XXXX. I am being penalized for paying early and in full. It says I will have access to my available credit if I link my bank account. I made a payment of {$270.00} on XX/XX/year>. I received an email on XX/XX/year> stating there would be a 5 day hold on my account. The payment went through with no issues, but the very next month I get hit with a 14 day hold. This does not make sense, and XXXX could not explain it either. She also said there was no one else above her I could speak with. These dates seem very arbitrary and I would like an explanation,.

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

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: OH

Complaint narrative:
On or about XXXX, an unauthorized withdrawal of {$710.00} was taken from my minor childs Cash App account. Neither my XXXX nor I authorized this transfer, and my XXXX does not have the legal ability to authorize someone else to withdraw funds. I reported the unauthorized withdrawal the same day by phone and through the Cash App application. I also submitted disputes through both my account and my XXXX XXXX account. Cash App repeatedly denied the claim without providing written investigation findings. This involves a MINOR ACCOUNT. No other person had authority to initiate this transfer. Despite timely notice, Cash App now claims that no dispute exists at all and shows no claim on file. Cash App failed to properly investigate, failed to maintain a Notice of Error, and failed to provide required written results as required under Regulation E. I am requesting reimbursement of the {$710.00} taken and documentation of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IA

Complaint narrative:
I disputed a few transactions with chime and even with found proof of evidence that it wasnt me or anything they steal didnt wan na give me my money back. I literally sent proof and they denied my dispute ofXXXX then of XXXX and then XXXX after my phone was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ DATA XXXX XXXX. Reported : XXXX. XXXX, XXXX {$14000.00} ( lived there for 8 months, this unit had trouble it had mold we reported this to the office nothing happened the ceiling was comedown so we moved out ) XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$4800.00} ( we just moved out dont know went happened ) XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2026 {$560.00} ( I never had a gas bill in my name I dont know where this came from from ) XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$300.00} ( I dont know what this is )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX Account status open XXXX XXXX To Whom It May Concern, I am requesting validation of the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act, please provide : The name of the original creditor The original account number The amount allegedly owed, including any fees or interest added Proof that I am legally responsible for this debt Proof that your company has the legal authority to collect this debt Copies of any signed agreement or contract related to this debt Until this debt is fully validated, I request that all collection activity cease and that this account not be reported or continue to be reported to any credit reporting agencies. This is not an acknowledgment of liability for this debt

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
One main account number : XXXX My vehicle was repossessed on XX/XX/XXXX under a title loan with OneMain Financial. Immediately after the repossession, I called OneMain and spoke with a supervisor. During that call, I clearly informed the supervisor that : My vehicle was involved in an accident on XX/XX/year> There was an active open insurance claim The other driver was found 100 % at fault The insurance company had already requested an estimate The vehicle was likely to be a total loss of a large check for repair The insurance adjuster would be issuing either a repair payment or a total loss payout The payout would be made directly to OneMain as the lienholder I also provided the claim number during this call. The OneMain supervisor instructed me to have the insurance adjuster contact OneMain directly. Immediately after the call, I messaged the adjuster and informed them that OneMain was the lienholder and that they needed to contact OneMain for the estimate and payout. Despite being fully informed of the open claim and pending insurance payout, OneMain proceeded to sell the vehicle before the insurance claim could be completed. This action directly interfered with the insurance process and prevented the insurance company from issuing the payout. I am requesting that CFPB review the following issues : 1. Sale of the vehicle after OneMain was explicitly notified of an active insurance claim 2. Interference with the insurance payout process 3. Failure to wait for the estimate and total loss determination 4. Failure to provide required pre-sale and post-sale notices 5. Failure to provide a proper deficiency balance calculation 6. Improper collection attempts after causing the loss of insurance proceeds 7. Potential UCC Article 9 violations ( commercially unreasonable disposition and failure to apply insurance proceeds )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I have bank statements showing the following payments on my mortgage... XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$8500.00} XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$2600.00} XX/XX/XXXX - {$2600.00} XX/XX/XXXX - {$3800.00} XX/XX/XXXX - {$2300.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2300.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} However, Rocket mortgage who took over servicing of my loan approximately a year ago is trying to say my account has been delinquent 60 days one time and 30 days 4 times. Meanwhile my recent mortgage statements still only show due for the upcoming month {$180.00} instead of the normal amount of almost {$2400.00}. This issue I have been trying to get resolved because it is preventing me from closing on a mortgage refinance with another lender. Rocket Mortgage keeps sending generic emails saying they are looking into it. The last response I got from them was from was XX/XX/XXXX and I've been working on getting this issue resolved with them since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On the XXXX of XXXX at about XXXX XXXX i went to the truist bank at XXXX XXXX XXXX XXXX ga. I attempted to close my checking account with a balance of {$90.00} in it. I had proper goverment issued id but was told no i could not close 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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
This complaint is a follow-up to my previous complaint ( XXXX ) regarding Cash App and a fraud claim. Since filing my initial complaint, Cash App has continued to deny my claim multiple times without conducting a meaningful investigation. I was instructed to reopen my case and provide all requested information again, which I did. However, my claim was denied again almost immediately. I have now filed a police report, and a detective with the XXXX Police Department is actively investigating this impersonation scam. This transaction was completed under false pretenses. I did not intend to send money to a third party and did not receive any goods or services. I am requesting that Cash App conduct a proper investigation, provide documentation supporting their denial, and reconsider reimbursement of the fraudulent transaction. This complaint supplements my prior submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am filing this complaint against Capital One regarding inaccurate account status reporting, misleading information provided by their representatives, and failure to properly resolve my concerns. During my last phone call with Capital One in XX/XX/year>, I contacted them because I wanted to make sure my accounts did not reach 30 days past due. During that call, the representative told me that my accounts were only 28 days past due. I specifically asked the representative if I could make my payment the following day and still avoid being reported 30 days late. I relied on the information I was given, and I was told that paying the next day would be fine. Based on that information, I made payments on both of my Capital One credit card accounts the following day in the evening. After making those payments, I later learned from another representative that both accounts had already been treated as 30 days past due and were reported that way. I immediately tried to resolve the issue. I requested to speak with a supervisor but was told no supervisor was available. I was also told that someone would call me back within approximately 10 days to review the matter and possibly correct it. No one ever called me back. I have been a Capital One customer for years and have never had a 30 day late payment reported. I believe I was given inaccurate information by Capital One, I relied on that information in good faith, and as a result both of my accounts were reported late, causing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint regarding my Capital One account, which is currently restricted. I was instructed to provide proof of income, but I was also told it must show my full account number, which I do not believe is a standard or reasonable requirement just to verify a persons income. I have made multiple attempts to resolve this issue through customer service, but I have not received clear guidance or a resolution. As a result, I am unable to access or use my account. I am requesting that my account be reviewed and either unlocked promptly, or that I be given clear, specific instructions on what documentation is required to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
This company is calling and asking for my XXXX year old daughter. We dont even share the same last name so there is no possibility for mixing us up. I have recordings of them asking for my daughter if needed.

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 2026-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: IL

Complaint narrative:
I am submitting a complaint regarding a discrepancy in the handling of my escrow account by LoanCare related to a property tax payment. On XX/XX/year>, LoanCare notified me that a payment of {$12000.00} was made from my escrow account to XXXX XXXX for property taxes. However, on XX/XX/year>, I contacted the XXXX XXXX Treasurers Office and was advised that no such payment has been received for the applicable Property Index Number ( PIN ). Additionally, LoanCare previously represented that XXXX XXXX would be processing a refund within approximately eight weeks, which is inconsistent with the Treasurers statement that no payment has been received. I contacted LoanCare to request clarification and proof of payment, including the PIN applied, tax year and installment, date of remittance, and documentation such as a cancelled check, wire confirmation, or ACH trace. LoanCare has not provided this information and has stated that the matter is under investigation. This creates a discrepancy where funds have been withdrawn from my escrow account, but there is no confirmation that the payment was actually remitted to the taxing authority. This issue is separate from my previously submitted complaint regarding escrow calculations and reflects a concern regarding the handling, application, and potential mismanagement of escrow funds.

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