vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
" I am filing a formal complaint regarding an illegal credit reinsertion on my credit file. An alleged collection account from XXXX XXXX ( managed by XXXX XXXX XXXX ), account number [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX, was previously disputed and completely deleted from my credit history. Approximately one month ago, this item was unlawfully reinserted into my TransUnion and XXXX credit reports. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), the credit bureaus were legally required to send me a physical, written Notice of Reinsertion within 5 business days of putting it back. It has now been a full month, and I have received absolutely no notice. Because the bureaus and the collector failed to comply with the mandatory 5-day federal notification law, this trade line is being reported unlawfully. Furthermore, I have no contractual agreement or direct contract with this third-party debt buyer. Desired Resolution : I demand the immediate, permanent deletion of this unlawfully reinserted {$770.00} XXXX XXXX account from both my TransUnion and XXXX credit reports. ''

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 — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, while I was asleep, an unauthorized ATM withdrawal of {$1000.00} was made from my Navy Federal Credit Union savings account without my knowledge or consent. I did not authorize this transaction, was not present at any ATM, and have third-party geolocation evidence from another financial institution confirming my location at the time of the withdrawal proving I was not at or near any ATM when this transaction occurred. I contacted Navy Federal immediately upon discovering the unauthorized withdrawal and filed a dispute. My claim was denied the very next day, with no meaningful investigation conducted. Since then, I have repeatedly contacted Navy Federal to appeal the decision and have them honor my claim under Regulation E, which requires financial institutions to investigate and provisionally credit consumers for unauthorized electronic fund transfers. Despite my ongoing efforts, Navy Federal has continued to deny my claim without providing a sufficient explanation or acknowledging the evidence I have presented. As a consumer, I am protected under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Navy Federal has failed to meet its legal obligation to properly investigate this fraudulent transaction and make me whole. The denial was issued within 24 hours of my report, which does not reflect a good-faith investigation. I am requesting that the CFPB compel Navy Federal Credit Union to : XXXX. Reopen and conduct a thorough investigation into the unauthorized {$1000.00} ATM withdrawal that occurred on XX/XX/year>. XXXX. Provisionally credit my account for the {$1000.00} while the investigation is pending, as required under Regulation E. 3. Review my geolocation evidence confirming I was not present at the ATM at the time of the transaction. XXXX. Provide a written explanation of the basis for their repeated claim denials. This has caused significant financial hardship and I am asking for immediate intervention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND HAS BEEN INCORRECTLY PLACED ON MY CREDIT REPORT. I HAVE NEVER INITIATED, HELD, OR PERMITTED THIS ACCOUNT AND HAVE NO INVOLVEMENT WITH IT WHATSOEVER. ITS INCLUSION ON MY REPORT IS ERRONEOUS, DECEPTIVE, AND DOES NOT ACCURATELY REPRESENT MY CREDIT PROFILE. I AM FORMALLY CHALLENGING THIS ENTRY AND REQUEST A COMPREHENSIVE REVIEW AND PROPER AUTHENTICATION. IF YOU ARE UNABLE TO PROVIDE VALID AND COMPLETE EVIDENCE CONNECTING THIS ACCOUNT TO ME, IT MUST BE DELETED FROM MY CREDIT REPORT WITHOUT DELAY.

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: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of 2025 I was advised chase bank would be closing my checking and home equity accounts due to what their risk department deemed by activity. After much calling and inquiries I was advised because the local brand allowed my husband to be added to an account ( after Chase had closed his accounts ) that Chase would be moving to close mind. I filed an executive complaint as I was not advised this was not allowed, he was removed from my account, and the accounts remained open. Friday XX/XX/XXXX I did not receive me expected direct deposit. My payroll department advised me a check had been issued but they were unable to explain why it did not deposit. I attempted to then pay my mortgage from my savings as it was due and discovered my accounts were restricted. I could not move any money from my XXXX active accounts. After getting a representative on the phone I was advised Chase has reviewed the accounts and closed both my savings and checking without notice. I attempted to speak with the compliance and risk department who advised me they could not give any further details as the account was closed Thursday XX/XX/XXXX. I was told I could go into a branch and maybe a branch XXXX could tell me. On Saturday XX/XX/XXXX I went to my local brand and closed all XXXX of my accounts. I have since been charged overdraft and late fees despite Chase knowing th accounts were closed. Still disputing with them.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND HAS BEEN INCORRECTLY PLACED ON MY CREDIT REPORT. I HAVE NEVER INITIATED, HELD, OR PERMITTED THIS ACCOUNT AND HAVE NO INVOLVEMENT WITH IT WHATSOEVER. ITS INCLUSION ON MY REPORT IS ERRONEOUS, DECEPTIVE, AND DOES NOT ACCURATELY REPRESENT MY CREDIT PROFILE. I AM FORMALLY CHALLENGING THIS ENTRY AND REQUEST A COMPREHENSIVE REVIEW AND PROPER AUTHENTICATION. IF YOU ARE UNABLE TO PROVIDE VALID AND COMPLETE EVIDENCE CONNECTING THIS ACCOUNT TO ME, IT MUST BE DELETED FROM MY CREDIT REPORT WITHOUT DELAY.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
The debt is from my deceased grandmother XXXX XXXX XXXX off of her capital one credit card and I just wanted to let the company know it was not my debt thank u and have a good day

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 was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
All debts and collections due to fraudulent activity on my credit file still has not been resolved even tho I have rights within the fair credit act. I provided all necessary documentation to clear my name, debt, collections on my behalf with CFPB FTC police reports etc. comes to terms now debt is still not updated nor are all collections inquiries really and please I would like this matter resolved

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: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
PayPal permanently restricted my account and informed me that my remaining balance of approximately {$120.00} may be held for up to 180 days. I have not knowingly violated PayPals terms or engaged in fraudulent activity. I have received no meaningful explanation regarding the reason for the restriction or why my funds are being withheld for such a lengthy period. Despite contacting PayPal support, I have been unable to obtain a clear answer or resolution. This has created financial hardship, as these are personal funds that I need access to immediately. I am requesting : * A complete explanation of the alleged reason for the limitation. * A formal review of my account. * Immediate or early release of my funds if no disputes or liabilities exist. I am willing to cooperate fully and provide any requested documentation to verify my identity and account activity. I believe consumers deserve transparency and timely access to their own funds absent clear evidence of wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was working with them to get out of it. It requires payments and I was doing so I had my third payment in my personal account and Bank Of America did an offset they said to cover a credit card the closed without my permission. They stole every drop of my personal funds out of my account without notice or permission. They drafted every cent that I had to survive on and pay the mortgage out of my personal account. They left my account negative and not a XXXX for food or even gas to go to work. My own bank that I have used since I was XXXX took every XXXX without my permission. How do I get medicine? How do I eat this week? How do I pay the bills I scraped that money together to barely survive. I feel so violated and robbed. How can I pay the bills? am devastated and in tears. How can they get away with doing this to me and my family

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hello XXXX XXXX, A scammer got me hard and I'm now out of thousands of dollars and one of the banks involved along with XXXX XXXX is not taking the matter serious and is basically telling me I got scammed and there's nothing they could do. I'm so hurt, I feel disturbed, violated, I feel betrayed. I am a single mother of XXXX, a home owner and I am licensed by the state of Massachusetts as a registered family child care provider. For extra context, I am also a XXXX XXXX XXXX XXXX recipient. I pay my taxes and live a honest and fruitful life. This past week I was scammed out of almost XXXX dollars within the matter of XXXX days. {$11000.00} from my bank account and {$6200.00} for my XXXX XXXX account. I filed a police report, I called the banks involved along with XXXX XXXX but both XXXX XXXX and XXXX Bank told me there's nothing they could do, they basically gave me the sympathy card and hung up on me. I am disturbed, I feel violated, I am hurt, there must be a way to go about this legally. I am begging for help right now, I need legal guidance in how to go about this matter. Are there any other resources or department I need to reach out to and if so how and who? I am highly embarrassed, but I need to be loud and fight. I'm fighting for my life financially and I need others to hear what is going on. I don't want another mother or person to go through this hardship of feel violating and lost. I don't want anyone else to feel low and disturb. The scammer was so clever and made me his target for over a period of XXXX day. Again I am begging for any type of lead please. I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally Bank Continues to Restrict XXXX Access Despite Removal of Network Restriction I am submitting a follow-up complaint regarding Ally Bank and its continued restriction of my access to XXXX services XXXX In Ally Banks prior CFPB response ( attached ), Ally stated that my XXXX profile, phone token, and email token were restricted by XXXX XXXX XXXX XXXX XXXX and that Ally itself was not responsible for the restriction. Subsequently, I filed a complaint with XXXX XXXX XXXX XXXX XXXX. In response, I received written confirmation dated XX/XX/year> ( attached ) stating that there are no restrictions on my information on the XXXX XXXX and instructing me to re-enroll with a participating bank. Following that response, I successfully enrolled the same phone number and email address with another participating financial institution. This confirms that the network-level restriction referenced by Ally Bank has been removed. However, despite the removal of the XXXXXXXX XXXX XXXX restriction, Ally Bank continues to block my access to XXXX within Allys online banking platform. When attempting to access XXXX through Ally, I continue to receive the message : For security reasons, weve restricted your access to this service. ( attached ) At this point, the evidence indicates that the remaining restriction is specific to Ally Banks systems or internal policies, not to XXXX or XXXX XXXX XXXX I have already contacted Ally Bank multiple times regarding this issue and have been repeatedly directed back to XXXX XXXX XXXX XXXX XXXX, despite the fact that : XXXX XXXX XXXX XXXX confirmed there are no active restrictions * my phone number and email are now successfully enrolled elsewhere * Ally continues to display a security restriction message and deny access

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
" I am filing a formal complaint regarding an illegal credit reinsertion on my credit file. An alleged collection account from LVNV Funding ( managed by Resurgent Capital Services ), account number [ XXXXXXXX XXXX XXXX XXXX XXXX ], was previously disputed and completely deleted from my credit history. Approximately one month ago, this item was unlawfully reinserted into my XXXX and XXXX credit reports. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( B ), the credit bureaus were legally required to send me a physical, written Notice of Reinsertion within 5 business days of putting it back. It has now been a full month, and I have received absolutely no notice. Because the bureaus and the collector failed to comply with the mandatory 5-day federal notification law, this trade line is being reported unlawfully. Furthermore, I have no contractual agreement or direct contract with this third-party debt buyer. Desired Resolution : I demand the immediate, permanent deletion of this unlawfully reinserted {$770.00} LVNV Funding account from both my XXXX and XXXX credit reports. ''

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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am submitting this complaint because I am a victim of identity theft. I was shocked and distressed to discover that XXXX XXXX XXXX XXXX XXXX, on behalf of CITIBANK, N.A., filed a judgment and writ of execution against me for a debt of {$2000.00} and/or any other amount that I did not incur. I am NOT the debtor named in this judgment and have never authorized or been involved in any financial transactions with CITIBANK , N.A . related to this alleged debt. Upon receiving notice of this legal action, I was confused and uncertain about my rights and the proper steps to take. After researching my rights and the legal process, I now understand the severity of this situation and am actively pursuing the formal process to have this fraudulent judgment vacated. XXXX XXXX XXXX XXXX XXXX and CITIBANK , N.A . have provided no valid proof linking me to this debt. No signed agreements, contracts, or documentation exist to show I am responsible. Under the Fair Debt Collection Practices Act ( FDCPA ), creditors must validate debts before taking legal action, which was not done in this case. The filing of this judgment and writ of execution has caused significant emotional distress, anxiety, and potential financial harm. I request that the CFPB investigate these fraudulent actions, hold the responsible parties accountable, and assist in ensuring that the judgment and writ of execution are immediately vacated. I am entitled to have these actions removed from my record and for the responsible parties to cease any further collection attempts related to this fraudulent debt. This complaint is accurate and complete to the best of my knowledge, and I submit it to formally document the identity theft and request full remediation.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX my account was frozen on 2 accounts for a total of $ XXXX.after speaking to the bank she says the account was frozen on XX/XX/XXXX, I have received no notice until after my account was empty. That put both accounts negative. The amount is {$8800.00} on both saving and checking. The amount if the debt is {$4400.00}. The court said to remove the freeze on the XXXX today is XX/XX/XXXX I have yet to have any release of funds even though they are holding XXXX of mine i have NOT been given the {$1000.00} automatic exemption that you dont have to go to court for. Being left with less then nothing for 13 days. I just got off the phone with chase and was told that yes the order is for {$4400.00} and they can hold double, she verified hold of {$17000.00} and told that yes I would have to cover more then the {$8800.00}. Kept telling me they just complied with a court order ... the court order is for {$4400.00} how does that come anywhere near {$17000.00}. This bank is definitely not about their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I completed a formal mortgage assumption on XX/XX/year> removing my ex-spouse from the loan. Shellpoint Mortgage Servicing acknowledges in writing that I am the sole borrower post-assumption, yet monthly billing statements and correspondence continue to include my ex-spouses name. I have repeatedly contacted customer service without resolution. Additionally, I received contradictory correspondence stating both that the assumption was completed and that refinancing or assumption would be required to remove co-borrower liability, despite the assumption already being finalized. I am requesting : * immediate correction of all servicing records and billing statements, * written confirmation that the ex-spouse is no longer associated with the loan, * correction of any credit reporting inaccuracies, * and assignment to a dedicated escalation specialist.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: IN

Complaint narrative:
On XX/XX/2026 I called Westlake financial and was able to speak to a live agent and asked them why my money hasnt came out yet for the bill that was due. They said that it takes 24 hours sometimes before the money is taken out. The next day comes and I called them to make sure that everything was okay and they said I was pass due and I explained that I called yesterday to make sure the money was going be taken, Im on auto pay and it shouldve already been taken out. So I pay over the phone with them and I get charged a fee. I told them that it wasnt fair, but I didnt want have to deal with it anymore, so I moved on. This next payment comes and once again auto pay did not take the money, so Im trying to contact a live agent and it will not let me talk to a live person. I have tried multiple different options to try to see if I could get a hold of a live person, but all it did was put me in the loop of pay your bill, so I paid it .. fee included. they gave me a confirmation number right after I paid, but the number wouldnt repeat to write it down. I just know that something isnt right with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
Hello Cash App suspended my account after I accessed it while traveling outside the United States. I later received an email stating that they needed to comply with U.S. laws and regulations regarding economic sanctions. However, I never attempted to send, withdraw, or receive funds through any foreign bank account. All activity involved my own XXXX XXXX account that was already linked to Cash App and had been used successfully many times before. The main issue is the complete lack of communication from Cash App. I sent multiple emails and made several phone calls requesting clarification and assistance, but they stopped responding entirely. The last email I received from Cash App was on XX/XX/XXXX, where they stated that a decision would be made within 5 days. Today is XX/XX/XXXX, and I have received no updates, responses, or explanation despite repeated attempts to contact them. My account still contains approximately {$500.00}, and Cash App is currently preventing me from accessing, withdrawing, or spending my own funds

Company response to consumer: Closed with explanation