vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a check into my checking account in the amount of {$12000.00}. My banking institution, XXXX bank had already cleared the funds the same day of deposit. On XX/XX/year>, I requested a withdrawal for the amount of {$8000.00} from my checking account and was denied. I was told to come back the next day, only to find that a fraud alert had been placed on my account and my account was locked. I was given no explanation, only rejection. I explained to the merchant I needed to withdraw the funds for my sister 's burial assistance, yet still I received no cooperation. I am filing this complaint on the grounds of discrimination, and XXXX profiling. This was not the first time this has happened to me with this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to dispute the unauthorized hard inquiries currently reported on my credit file. These inquiries were made without my consent and have been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the following inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX The inclusion of these inquiries is in clear violation of XXXX XXXX. XXXX ( a ) ( XXXX ), which mandates that a consumer reporting agency XXXX only report inquiries made with the consumer 's explicit consent and permissible purpose. I did not authorize these inquiries, and they have no legitimate basis for being included on my credit report. Furthermore, these inquiries violate XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain procedures to ensure the maximum possible accuracy of information in consumer reports. Reporting unauthorized inquiries without verification is negligent and fails to meet the accuracy standards required by law. I demand the immediate deletion of these unauthorized hard inquiries from my credit report. If these inquiries are not removed promptly, I will escalate this matter and pursue further legal action under XXXX XXXX. XXXX for willful noncompliance, which could result in damages. I expect prompt action and written confirmation that these inquiries have been deleted and that my credit report has been updated accordingly.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: ND

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a TD Bank joint account with my daughter XXXX. Unfortunately, TD Bank closed the account without providing me with details why they closed my account. They closed my account in XX/XX/year> without a valid reason. I requested for 12 month statements specifically requesting for hotel fees. For the past two years I was living in hotels and I specifiaclly requested for the bank to proovide me with details. They were not able to provide the reason why our joint accubt was closed nor did they provide me with details regardsingvthe hotel transactions. I requested for this information because those specific hotel transactions were actually transferred to a cash app or to someone account therefore, I need to see the dates on those transactions and a valid reason why my account was closed. I need to submit this request to find out why and to track all hotel fee transactions. Additionally, my husband XXXX XXXX applied for a XXXX XXXX and he did not receive any paperwork regarding the loan submission from the banker nor did we recieve an email as to why he was denied therefore, I am requesting for information regarding the XXXX XXXX aPplication that was submitted. My husband has a XXXX and according to the XXXX XXXX product they accep XXXX. We did not receive any correspondence regarding the fit loan and the purpose of this loan was to purchase a new vehicle. Typ in the previous page regarding my daughter name : Correct spelling XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
The collection agencies have violated my rights of consent. The debt is not mine. My information was stolen due to several companies datas being breached and my wallet being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Debt Validation Request The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 To whom it may concern, I am requesting validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act, please provide the following : 1. The amount of the debt : Please provide a complete and detailed account of the amount you claim I owe, including any interest, fees, or other charges that have been added to the original debt. 2. The name of the original creditor : Please provide the full name and address of the original creditor to whom this debt is owed. 3. Verification of the debt : Please provide documentation that proves I am indeed responsible for this debt, including any signed agreements, contracts, or other proof of obligation. 4. A detailed history of the account : Please provide a complete account history, including the original balance, any payments made, any fees or interest added, and the dates of these transactions. 5. Copy of the agreement : Kindly provide a copy of the signed contract or agreement that demonstrates my obligation to pay this debt. 6. Documentation on your licensing : Please furnish me with your agencys licensing information, as required by state and federal laws. Please note that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this letter. If you fail to do so, I expect this debt will be removed from my credit report and that no further collection attempts will be made. Be advised this is not a refusal to pay, but a notice sent pursuant to The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692, stating your claim is disputed and validation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! Account number is 32805 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 explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Student loan accounts from XXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX- refuse this to send transaction history. The amount that they purchased the debt for and my original agreement with my signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been a Capital One customer for over XXXX years. During that time, I have consistently scheduled my payments the day before payday so they would post when my paycheck was deposited. For example, I would schedule a payment on the XXXX for the XXXX, and it would process when my paycheck hit on the XXXX. Capital Ones payment system has always indicated that payments take XXXX business days to process. However, as of XX/XX/XXXX, payments began processing the same day, and the system did not clearly disclose this change, still stating XXXX business days. Here is the issue : On XX/XX/XXXX, I scheduled XXXX payments {$100.00} and {$50.00}. Unbeknownst to me, they processed the same day. I did not see the funds withdrawn on XX/XX/XXXX or XX/XX/XXXX, which added to my confusion. When I logged into my account on XX/XX/XXXX, I noticed the payments reflected, but I was unsure why the balance still seemed off. As a result, I scheduled a full payment of {$1300.00} for XX/XX/XXXX. A few days later, the Capital One app requested verification of funds, which I promptly completed. Believing everything was in order, I continued making travel arrangements for my XXXX flights. Concerned about my high balance, I made XXXX additional payments of {$250.00} and {$78.00} via bank account, and then {$430.00} using my debit card to ensure faster processing. Shortly thereafter, I woke up to find all of my accounts restricted and ultimately closed due to XXXX returned payments. I contacted Capital One and spoke with a XXXX XXXX. He stated that the payments made on XX/XX/XXXX were processed on XX/XX/XXXX, and the payment scheduled for XX/XX/XXXX was processed on XX/XX/XXXX. I explained that this was impossible, as the funds were available in my account on those dates. He placed me on hold so do that we can verify the information with XXXX XXXX XXXX After approximately XXXX minutes on hold, he confirmed he was still on the line. When a XXXX XXXX XXXX representative joined the call, the XXXX XXXX never returned to the line this hold process was a XXXX hour phone call. However, the XXXX XXXX XXXX representative confirmed that Capital One had, in fact, processed the XXXX XXXX payments were indeed processed the same day. I am extremely upset because this is my military credit card, and it was closed due to a processing change that was not clearly communicated. I have followed the same payment process for over XXXX years without issue. There was no fraud or wrongdoing on my partthis situation appears to stem from Capital Ones shift to same-day XXXX processing without proper notice to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
SENT IT TO COLLECTION NO PROPER VALIDATION NO SIGN CONTRACT WITH MY SIGNATURE ON IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
b'Original Card was compromised on XXXXnWas deactivated & New Replacement Card was ordered. \nNew card was received 2 1/2 weeks ago.\nStill updating my utilities and Doctors Office with New Replacement Card.\n\nToday I received 3 separate emails from same Merchant for 3 separate walk in orders, that were done in person and picked up. Which requires the Card in hand to complete each order. \n\nI live in XXXX these were done in person in XXXX XXXX.\nNo notification alerts from Bank Of America.\n\nNow on XXXX XXXX my alerts triggered notifications from Bank Of America immediately. Card was locked by Bank.\nYet I still havent received any help from Bank Of America. \nI have tried contacting Bank Of America. I have emailed the Corporate Office Staff & provided the information and the details of each transaction. \n\nI now have a XXXX Police Department Report: XXXXThey have all the information & each transaction. Along with the non response from \nBank Of America.\nThey also have the XXXX XXXX Police Department information to follow up with them.\n\n2 Cards in less than 4 weeks & Bank Of America \ninsisting that regular non speciality cards are printed in just 1 Secured Facility by Bank Of America Employees. \nThen that is very simple. Its not a gray area. Its black and white. There is a problem at your facility with your employees.\n\nBecause our money is being stolen and now Bank of America will not even answer or do anything about it. Each & every Agency tells you to go to a different Agency, so will someone kindly tell me which, overseas Bank theft-fraud stealing credit cards, which is 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 monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Again I can not log in. Again I can not change the password. This has happened now several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
ACCOUNT INFORMATION Original Creditor : XXXX XXXX XXXX XXXX XXXX Original Account No. : XXXX Current Creditor : Spring Oaks Capital SPV , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Toll Free Number : XXXX Reference No. : XXXX Balance : {$3000.00} I called the Debt collecting company directly to report this fraud. Tried to explain them it wasn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: ID

Complaint narrative:
I am filing this complaint regarding improper mortgage servicing and failure to provide a complete accounting of funds by Shellpoint Mortgage Servicing ( Newrez LLC ). Shellpoint previously admitted that my loan account was charged default interest in error. The company acknowledged that I was overcharged {$10000.00} in default interest and represented that this amount would be reversed and reallocated to my account. Shellpoint stated that the {$10000.00} was internally reallocated to : A XX/XX/year> payment Certain inspection and late fees Some default interest adjustments A principal reduction However, despite multiple requests, Shellpoint has not provided a clear itemized accounting showing exactly how the {$10000.00} was applied. Specifically, Shellpoint has not provided : A transaction-level ledger showing the reversal of the erroneous default interest. The exact dates and amounts of each reallocation entry. The amount applied to principal versus interest versus fees. Confirmation that disputed inspection fees were not improperly included in the allocation. The adjusted principal balance after the correction. An explanation for why only a single monthly payment ( XX/XX/year> ) appears to have been credited despite the size of the admitted overcharge. It has now been over XXXX month since Shellpoint acknowledged the error and claimed to have corrected the account, yet no complete accounting has been provided. During this same time period, Shellpoint has continued to treat the loan as delinquent and has begun discussing liquidation options, even though the proper application of the {$10000.00} could materially affect the delinquency calculation. I believe this constitutes a servicing error involving : Failure to properly credit payments Failure to provide accurate accounting of a loan balance Failure to respond adequately to requests for information regarding loan servicing I have already transmitted documentation and correspondence requesting a full reconciliation of the {$10000.00} adjustment. Shellpoint has not provided a clear breakdown.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: NJ

Complaint narrative:
Attempted to make a purchase through what turned out to be a fraudulent website. County of origin was XXXX XXXX. Capital One CC declined the first attempt and approved the second attempt. I called Capital One to dispute the charge and was told since I provided my CC number it is and fraud. They temporarily processed a refund pending an investigation. This transaction should have never been approved and the company should cover this under the credit card protection agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a Bank of America credit card and was approved. Before I received the card in the mail I received a letter of fraud from the bank. I have spent XXXX hours on the phone and XXXX hours in the XXXX branch on XXXX XXXX to be disregarded and disrespected by the XXXX XXXX lady who claimed to be the XXXX and did not want to resolve my matter. I just want this matter with my credit card fixed without having to take a week off of work to wait on the phone at home or in the branch.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I filed my taxes XX/XX/XXXX or XXXX and I used XXXX. They were already charging me {$200.00} for the services and wanted to charge me another XXXX or {$40.00} just to send the money to my bank on top of the other fee for doing it. They said I could open a Credit Karma checking account and it would be free so I did that next thing I know my refund check is not able to be pulled out they forced me to go to the ATM over XXXX days to pull out money and the card wasnt working at every place that said it would work. They also opened a savings account without my consent I spoke with a XXXX on XX/XX/XXXX who said once I pulled all my money out just a call back and they can close the checking and savings account. I just called today XX/XX/year>, and the refusing to close my account saying they couldnt do it and they had to escalate it. I spoke with the XXXX who gave me a case number. I told him that I recorded the whole call and then I wanted this account along with the checking account and savings account to be closed immediately theyre giving me the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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:
On XX/XX/year>, at approximately XXXX XXXX., while traveling in XXXX, XXXX, I was drugged with XXXX and rendered XXXX. I regained XXXX around XXXX XXXX. at XXXX XXXX XXXX XXXX XXXX hospital, where medical testing confirmed XXXX XXXX. My wallet, debit card, and phone were stolen during this period of XXXX. A formal police report was filed with the XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX unauthorized in-person debit card purchases totaling {$1100.00} were made on XX/XX/year> at the following merchants : XXXX XXXX {$860.00} XXXX XXXX {$170.00} XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX XXXX XXXX {$51.00} I discovered these transactions on XX/XX/year> and reported them to Chase the same day, well within the XXXX-business-day timeframe required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I provided Chase with : The official XXXX police report Hospital clinical documentation confirming XXXX XXXX A written statement describing the events Despite this, Chase denied my claim and did not issue provisional credit during its investigation. Chase stated there was insufficient evidence, but did not provide documentation showing that I authorized the transactions. I did not authorize these purchases, did not benefit from them, and was XXXX XXXX at the time they occurred. Under the Electronic Fund Transfer Act and Regulation E, consumers who report unauthorized transactions within XXXX business days have limited liability and are entitled to a proper investigation. I believe Chase failed to properly apply Regulation E protections and wrongfully denied reimbursement of {$1100.00}. I am requesting that Chase : XXXX. Restore the {$1100.00} to my account. XXXX. Provide documentation supporting its determination that the transactions were authorized. XXXX. Confirm compliance with Regulation E investigative requirements.

Company response to consumer: Closed with explanation