vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I am filing a complaint against Axos XXXX for what I believe to be misleading advertising related to its Axos XXXX savings account. In early XX/XX/year>, I saw a promotion advertising up to 4.21 % APY. Relying on that representation, I opened an account on XX/XX/year>, and deposited {$10000.00} on XX/XX/year>. On my first statement dated XX/XX/year>, I discovered that my account earned only approximately 1.01 % APY. When I contacted the bank on XX/XX/year>, I was told I did not meet certain promotional requirements. These requirements were not clearly disclosed or presented in a way that would allow a reasonable consumer to understand that the advertised rate was conditional. The promotion emphasized the 4.21 % APY without adequately disclosing the conditions required to earn it. This created a misleading impression that simply funding the account would qualify for the advertised rate. This situation has resulted in a loss of trust and raises concerns about deceptive marketing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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:
I am contacting you to dispute this account, as I believe the reported debt is inaccurate and require verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: U.S. BANCORP
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
on XX/XX/year> i went into the wells fargo branch on XXXX XXXX in XXXX ny and asked the teller ( XXXX XXXX ) if she could help me with account to account transfer she seemed un knowledgeable on how to make this transaction she seem to ask questions that were unhelpful to make a transaction, also " XXXX '' interrupted our conversation and was also unhelpful after, asking questions pertaining to helping me with this specific transaction, XXXX seem to use words such as " probably '' and " might '' instead of confirming my transaction as a leading bank teller, also I had to call XXXX because there were bankers and tellers not being used for their banking purpose, XXXX in simple terms was giving misleading information and did not seem helpful up until that point! this was reported to XXXX and some of the recorded conversation was as well

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 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My bank account was frozen for suspicious activity, I was told my account was closed and I would receive a check in 7-10 business days. It has been over 2 weeks since I was told that. I called this morning XXXX, XXXX XXXX. Now they're saying the account isn't closed and I will have to wait 60-90 days Before the account closes. I asked if they could return the checks from my social security XXXX and my husbands social security because this is the money we live off. Before I was able to establish a new bank account, 2 months of social security and 2 months of my husband 's pension went into Bank of America. The gentleman I spoke to today would not send me up the chain to talk to a manager to try to straighten things out. Without these checks I can't pay my mortgage, utilities, or buy groceries.

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 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am filing a formal complaint regarding the unauthorized use of my personal information and the reporting of accounts that I did not open or authorize. I have discovered that multiple accounts have been opened in my name without my consent, and this information has been shared and reported to banking and consumer reporting systems, including Early Warning Services ( XXXX ). I did not open, authorize, or participate in any of these accounts. My personal information has been misused, resulting in inaccurate and fraudulent records being associated with my identity. This has caused significant harm to my ability to access banking services and has impacted my financial reputation. I am requesting the following actions immediately : Full investigation into all accounts reported under my name Immediate removal of all fraudulent and unauthorized accounts from all reporting systems, including XXXX and any associated banking databases Correction of my consumer records to reflect that these accounts were the result of identity theft and were not opened by me Written confirmation that all fraudulent information has been removed and will not be reported again Identification of how my personal information was used or shared without my consent I have already initiated disputes, but I am escalating this matter due to the seriousness of identity misuse and continued reporting of inaccurate information. I am a victim of identity theft and request full compliance with federal protections under consumer financial laws, and these accounts need to be removed immediately. It is hindering me from opening any banks for myself, which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
My Paypal/Synchrony bank credit card was recently closed. The reasoning was due to a failed return auto-draft. It failed because I closed the associated Truist account. I attempted to add my new capital one checking account no less than 4 times during this period. Never receiving the verification deposits to link the account. I also made a payment of 50 % of the total balance in good faith.

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 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I disputed some unauthorized fraudulent transactions that I noticed on my PayPal account between XXXX and XX/XX/year> due my my phone and purse being stolen/lost in XXXX. I had no access to my PayPal and someone was into my account ordering new virtual cards and accessing new card numbers and using them to make purchases and receive funds from a company named prudent owl. I have no idea what that is and disputed every charge totaling around {$700.00} or more and they denied the dispute even with the identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding Credit Acceptance Corporations failure to comply with XXXX XXXX law and federal credit reporting laws. This account originates from a vehicle purchase in or about XXXX. The contract was completed electronically ( e-signed ), and I was never provided a copy of the contract at the time of signing. Because I was not given a copy, I had no opportunity to review the accuracy of the contract terms. I only obtained a copy later, after noticing that the account was still being reported as active on my credit report in XXXX. Upon review of the contract, I discovered a material error : The contract incorrectly lists the vehicle being purchased ( XXXX XXXX ) as the trade-in vehicle This is inaccurate The actual trade-in vehicle was a XXXXXXXX XXXX This raises serious concerns about the validity and accuracy of the contract and whether it reflects the actual agreement. Additionally : The vehicle was repossessed after XXXX missed payment I was never provided any pre-sale notice as required under XXXX XXXX XXXX I was never provided any post-sale notice or deficiency notice The company has failed to provide proof of mailing of any notices despite multiple written demands Further : The balance on the account continues to increase after repossession without explanation The account is being reported as open and active in XXXX, which is inaccurate and misleading I have : Filed multiple disputes with XXXX XXXX XXXX XXXX Sent XXXX written disputes to Credit Acceptance Corporation XXXX this XXXX the company continues to verify the account without providing documentation. Violations Include : Failure to provide required repossession notices under XXXX XXXX Failure to provide proof of mailing Furnishing inaccurate and unverifiable information to credit reporting agencies Failure to provide a complete and accurate contract Reporting an account as open and increasing without proper basis

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 2026-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
They are threatening to call me everyday until they collect the debt I am on Social Security and can not afford it right now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
XXXX XXXX is the real problem and I will be doing a separate report. They charge your account even if you have not received products ordered. I gave them everything I could including screenshots of chat woth XXXX of them telling me there is not they can do about refunding me my money back. I DONT KNOW WHAT ELSE TO DO THIS IS NOT THE FIRST TIME in the past Ive let it go multiple times. Funds also disappear from my account while transferring from accounts. Ive had to call them multiple times and ask where did my funds go? They have been stealing from me for years and I AM OVER IT because I have them everything and I tried to handle with XXXX and got nowhere! Now im out of almost {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I made a purchase on my Apple Card for a computer. The order was cancelled by XXXX. Apple continues to tell me they have resolved the pending charge and reversed everything on their end. My reflected credit line on my account continues to reflect {$200.00} not {$1600.00} I was approved for. The bank is refusing to release the funds and this has been going on since XXXX when I made the initial purchase XX/XX/year>. The order was cancelled XX/XX/year>. This would be the Complaint # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not initiate these inquiries. Kindly fix. Documents attached.

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 2026-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion for failing to maintain maximum possible accuracy of my credit file under the Fair Credit Reporting Act ( FCRA ). I disputed a collection account from XXXX XXXX ( File ID : XXXX ) with all three major credit bureaus. Both XXXX and XXXX completed their investigations and subsequently DELETED the account from my credit reports because it could not be verified by the furnisher. I provided TransUnion with direct evidence of these deletions, yet they recently responded ( on XX/XX/2026) stating the item was 'VERIFIED AS ACCURATE. ' It is a violation of the FCRA for TransUnion to continue reporting unverified and inconsistent data that has already been deemed inaccurate by the other national bureaus. I am requesting that TransUnion synchronize my file with XXXX and XXXX and immediately REMOVE this unverified collection from my report. I have attached the investigation results from the other bureaus as proof.

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 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing this complaint regarding unauthorized charges processed on my Apple Card account after I expressly revoked authorization and took steps to prevent further billing. I was previously a customer of XXXX XXXX XXXX for XXXX services. I canceled services and revoked authorization for any future charges multiple times in writing and by phone. My documented revocation dates include : * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX ( phone call ) * XX/XX/XXXX ( email prior to charge ) * XX/XX/XXXX ( additional written dispute and cancellation ) * XX/XX/XXXX ( CFPB complaint ) * XX/XX/XXXX Despite these repeated revocations, the merchant continued to charge my account, including a multiple charges on XXXX XXXX in the amount of {$290.00}, {$35.00}, {$330.00}, {$71.00}, {$1200.00}. All of which were charges after updating my electronic card number the day prior. Not one of these institutions have been provided my new number. A clear indication the ABU/MBU was used and provided new info to these merchants. This compromised my privacy and security after I have revoked this. The merchant was able to process these charges after I changed my card number by using XXXX XXXX Billing Updater system to obtain my updated card information. I did not authorize this. I specifically took steps to prevent further billing, including changing my card. I do this to control and hold my spending accountable. You are creating a debt on my account I can not account for even after I have tried to secure my funds. I have also raised prior complaints and disputes and was assured that my account would not continue to be used through any updater system. Despite those assurances, the merchant continued to access my updated card credentials and charge my account. Goldman Sachs has taken the position that this charge is valid based on a prior contract and has denied my dispute after initially issuing a temporary credit. I dispute this determination. Under the Electronic Funds Transfer Act and Regulation XXXX, I have the right to revoke authorization for preauthorized transfers. Once authorization is revoked, any subsequent charge is unauthorized regardless of any prior contract or billing relationship. The use of XXXX XXXX Billing Updater does not create or restore authorization after it has been revoked. It is only a mechanism to update card credentials. It does not override a consumers right to stop payment. Goldman Sachs failed to properly apply federal consumer protection laws by treating this as a valid recurring charge instead of an unauthorized transaction after revocation. XXXX, as the interface and administrator of the Apple Card program, also failed to ensure that my account settings and protections were honored after I was assured that such billing access would be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: NC

Complaint narrative:
My wife and I are XX/XX/XXXXfrom XXXX currently living and working in the United States. In XX/XX/XXXX, we used Abound ( a remittance app operating at XX/XX/XXXX ) to transfer a portion of our savings to my personal account in XXXX with XXXX XX/XX/XXXX. The transfer was completed and the funds were credited to my account. However, it later became evident that Abound had routed the transaction through multiple questionable intermediaries, including shell entities and singleperson companies. These routing patterns triggered alerts in XXXX XXXX XXXX XXXX XXXX XXXX, and three separate cybercrime complaints were linked to the transactions. Based on these complaints, the authorities instructed XXXX XX/XX/XXXXto place three debit holds on my account, resulting in a complete debit freeze. Because I reside and work in the United States, I am unable to travel to XXXX to resolve this matter in person. The cybercrime authorities have not responded to my emails, and the bank has stated that it can not lift the freeze until it receives formal clearance from the investigating agencies. On XX/XX/XXXX, I contacted Abounds support team seeking assistance. Initially, they acknowledged the issue and indicated they would help. However, reaching them has been extremely difficult. They have no customer support phone number, rarely respond to emails, and communication has been inconsistent despite multiple followups. There are three cybercrime complaints tied to the remittance. Abound collected all relevant documents from me and coordinated with their banking partner and legal team. With their involvement, one of the three complaints was resolved, and XXXX XX/XX/XXXX subsequently removed one hold. However, two complaints remain unresolved, and my account continues to be frozen due to the remaining holds. I was able to reach one of Abounds customer relations/sales representatives for North America , XXXX XXXX ( XXXX XXXX ). He coordinated the resolution of the first complaint and assured me that the remaining cases would be resolved shortly. Despite these assurances, months have passed with no meaningful updates, and Abound has stopped responding to my messages. This situation has caused significant stress and anxiety for my family. My bank account in XXXX remains frozen due to issues arising from Abounds remittance routing practices, and I am unable to obtain assistance from either the authorities in XXXX or Abounds support team.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit One LLC
State: FL

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, Thank you for your response regarding this account. While you have stated that Credit One LLC is a valid debt buyer / debt factoring company and provided validation of the original account, I am formally requesting complete validation of Credit One LLCs legal ownership and authority to collect and report this specific debt. Please provide : 1. Bill of sale or purchase agreement showing transfer of my specific account from XXXX XXXX XXXX Credit One LLC 2. Complete chain of assignment documentation 3. Itemized accounting of the full balance claimed 4. Documentation demonstrating your legal authority to collect this debt in my jurisdiction Until such documentation is provided, I continue to dispute the completeness and legal enforceability of this account under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
An account was placed into collections in error from an insurance company. I wasn't aware that the account, which I had requested cancelled while in good standing, wasn not cancelled as-requested. I received no further correspondence until I was contacted by " Credit Collection Services '' ( XXXX ). I explained this to multiple agents at XXXX. I have made multiple requests for verification of this debt via registered letter. I have never received any return correspondence and it is evident the debt could not be validated. I have requested removal for these causes with each correspondence. The dates of the registered letters are XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX has had ample opportunity and time to correct this matter. Further, many more requests to the same effect have been made through the major credit bureaus ( XXXX XXXX XXXX ). At this time, this inaccurate reporting is negatively impacting my credit profile, which has directly contributed to increased cost and extremely detrimental opportunity cost, not limited having been denied mortgage and auto loan applications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation