vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 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: CA

Complaint narrative:
I have XXXX chief complaints. I've emailed the XXXX, XXXX XXXX and never even received a response. Firstly, I'm writing as I've been a capital one venture x member for 2 years. I've never had any issues paying my card and otherwise had a pleasant experience. I got this card because of its purported 'trip cancellation ' insurance. I was diagnosed with XXXX a week ago and was unable to stay at the XXXX hotel in XXXX which was a transaction booked on XXXX using my XXXX XXXX card. I tried to contact your customer service to direct me to the third party XXXX to assist with filing a claim but was denied becasue it was a hotel. REviewing the card benefits it is extremely unclear that this was a benefit for flights buses and trains only. In addition, I booked a flight to XXXX that I paid for through Capital one XXXX. I was not fit to travel during the flight time which was this Friday to Monday per the advice of my physician and looked to cancel the booking. I was offered a travel credit which was unacceptable as I have no travel plans for the next XXXX days. Lastly, when I was in XXXX my physical card and phone were stolen. The phone was later recovered through Find My Friends, but the physical card was used at a number of places to which I was unable to contact Capital One during my XXXX trip until I returned to the states. I promptly filed a fraud dispute on those charges but was denied and only given the option to reopen the claim with a police report, which is ridiculous as everyone knows that the XXXX police are quite corrupt and legitimately are of no help in this circumstance to tourists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I obtained a mortgage from Wells Fargo XX/XX/XXXX. I have a current balance and have never refinanced. XX/XX/XXXX a nominee for Wells Fargo submited a Satisfaction of Mortgage to the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX. XX/XX/XXXX I applied for a home equity line of credit with XXXX and was declined as there was no first XXXX so they could not take second XXXX. I contacted Wells Fargo mortgage on XX/XX/XXXX and they said they would research it. I called back the following week and they said they were still researching it. I got a message from Wells Fargo saying the hold time was too long for XXXX XXXX and I should call them and get the records and email it to XXXX. I sent the copy of the incorrect Satisfaction of Mortgage to them on XX/XX/XXXX per their request. I continued to call weekly and got the same " we are researching it '' response. I filed a complaint with their XXXX Complaint department and they told me they would call me in XXXX days. In XXXX days I called back and they gave me a case number and told me they were researching it. They confirmed I still have a balance and did not pay off my mortgage and that they received the copy of the incorrect Satisfaction of Mortgage I emailed. They said I would have a response by XX/XX/XXXX. On XX/XX/XXXX I received a letter saying they needed more time to research it and I would get a response by XX/XX/XXXX. I have started a project at my home already and am in need of the home equity line of fund that I can not get due to Wells Fargo 's error that they continue to delay correctiong. Please help. I have researched this on my own and will be sending them a letter certified mail today.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marauder Corporation
State: CA

Complaint narrative:
To Whom It May Concern, I am writing this letter in formal response to your recent communication regarding the alleged debt referenced above. I am officially disputing the validity of this debt in its entirety. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. To date, you have failed to provide a shred of legal evidence that I have any contractual obligation to your agency or that the amount you are claiming is even accurate. I demand that you provide the following documentation within 30 days : Proof of Legal Authority : A copy of the original contract or agreement bearing my signature. Chain of Title : A complete breakdown of the chain of assignment from the original creditor to your agency. Itemized Ledger : A full accounting of the alleged debt, including the original balance and a detailed list of every fee, interest charge, or " collection cost '' added. Verification of License : Evidence that you are legally licensed to collect debts in my state. Notice Regarding Credit Reporting ( FCRA Compliance ) : Be advised that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are prohibited from reporting inaccurate or unverified information to the credit bureaus. If you have already reported this unverified debt, you must immediately mark it as " Disputed '' with all credit reporting agencies. Failure to provide the requested validation while continuing to report this item or pursuing collection efforts constitutes a willful violation of federal law. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and my States Attorney General. Cease and Desist : Until you provide the legal proof demanded above, you are hereby ordered to cease all collection activity. Do not contact me by phone at my place of residence or employment. All future correspondence must be in writing via XXXX. Govern yourself accordingly.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed the representative payee account that I had for my daughters ssi payments. I deposited some checks which I didnt know I couldnt do since I have previously done so and chase released me the funds. Then they want to charge me back for those checks which I dont understand why if the checks were good. Long story short the account went negative to XXXX an XXXX credit was made from XXXX of the checks bringing it down to XXXX and something so when the XXXX payment was send it covered it and my remaining balance was {$440.00} which chase send to me in a cashiers check. Since the XXXX Ive been trying to cash the check and neither has the XXXX chase branches that I went to nor the checking places that Ive went too have been able to cash it for me. Ive been back and forth and Ive called chase custome service multiple times and yet no one gives me a solution. The branches tells me that only way to cash the check is by having an account active/open set up the same way the check is written out. Which is the account I had opened with chase who decided to close it without yet telling me why or for what reason. I still havent received any papers notifying me of the reasons. I did not pay my rent the month of XXXX because of this issue and no one and no place wants to cash me the check. Im a single mom with XXXX kids this has only made everything complicated for me and very stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing this letter in formal response to your recent communication regarding the alleged debt referenced above. I am officially disputing the validity of this debt in its entirety. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. To date, you have failed to provide a shred of legal evidence that I have any contractual obligation to your agency or that the amount you are claiming is even accurate. I demand that you provide the following documentation within 30 days : Proof of Legal Authority : A copy of the original contract or agreement bearing my signature. Chain of Title : A complete breakdown of the chain of assignment from the original creditor to your agency. Itemized Ledger : A full accounting of the alleged debt, including the original balance and a detailed list of every fee, interest charge, or " collection cost '' added. Verification of License : Evidence that you are legally licensed to collect debts in my state. Notice Regarding Credit Reporting ( FCRA Compliance ) : Be advised that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are prohibited from reporting inaccurate or unverified information to the credit bureaus. If you have already reported this unverified debt, you must immediately mark it as " Disputed '' with all credit reporting agencies. Failure to provide the requested validation while continuing to report this item or pursuing collection efforts constitutes a willful violation of federal law. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and my States Attorney General. Cease and Desist : Until you provide the legal proof demanded above, you are hereby ordered to cease all collection activity. Do not contact me by phone at my place of residence or employment. All future correspondence must be in writing via XXXX. Govern yourself accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: GA

Complaint narrative:
First, when I opened my account I was told and saw that there was a promotion that Netspend would pay me for opening a account and do direct deposit. This was around XX/XX/year>. I don't remember the exact amount of the promotion but I was told this and was told I had to wait the 90 days. Second when I started using Netspend I didn't realize they were charging me a {$1.00} signed debit fee for every transaction where I bought something. It took a while for me to realize but when I did I changed the fee payment method. Why not tell you when you open the account because I did set up the fee schedule, it had to be Netspend in which this is a clear violation of them not informing the consumer before the account is opened so we have the opportunity. I am just wanting what I was promised and for me to make the decision on how MY money is spent.

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 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am submitting this formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate, incomplete, and materially misleading reporting on my consumer credit file. Account Name : Capital One Vehicle Loan Account Number : [ Insert full account number ] Account Type : Auto Loan / Secured Date Opened : [ Insert date ] Status : Charge-Off Balance Reported : {$24000.00} Status Updated : [ Insert date ] This account is a joint account. It has been reported as charged-off, yet continues to appear as a negative account on my credit report. I dispute the accuracy of this reporting for the following reasons : The reporting is incomplete and misleading, because a charge-off for tax purposes under IRS Section XXXX requires issuance of Form XXXX ( Cancellation of Debt ) to both account holders. No XXXX has been received at our current or past addresses. The account is reported under an outdated address, raising concerns about accuracy and compliance with XXXX standards. As the debt was charged off and treated as income for tax purposes, reporting it as an outstanding balance is materially misleading. Under FCRA, 15 U.S.C. 1681e ( b ), 1681s-2 ( b ), and 1681i ( a ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Furnishers must investigate disputes, verify information, and correct or delete information that can not be verified. I request the following actions : Immediate removal of the charged-off account from my credit report if Capital One can not provide competent documentation proving that the reporting is accurate, complete, and not misleading. Verification of the account, including a full Method of Verification ( MOV ) showing the documents used to validate the balance, status, and account history. Confirmation that reporting complies fully with XXXX standards, including correct account status, balance, and address coding. Documentation of any steps taken to issue a XXXX to both account holders and verification of the address used for delivery. Continued reporting of inaccurate, incomplete, or misleading information may constitute negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o. I expect a written response within the statutory timeframe. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX began holding {$2500.00} from my account. I completed the transaction and delivered the product directly to the customer. There are no active chargebacks or disputes. I was initially given a transfer date, but since then, the transfer date has been repeatedly moved to the next day without explanation. As of today, more than 90 days have passed and my funds remain unavailable. I have contacted XXXX but have not received a clear written explanation or a guaranteed release date. I am requesting the immediate release of my funds or a fixed written release date. The repeated daily delay of my transfer date without explanation is causing financial hardship and appears to be an indefinite hold without transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing this letter in formal response to your recent communication regarding the alleged debt referenced above. I am officially disputing the validity of this debt in its entirety. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. To date, you have failed to provide a shred of legal evidence that I have any contractual obligation to your agency or that the amount you are claiming is even accurate. I demand that you provide the following documentation within 30 days : Proof of Legal Authority : A copy of the original contract or agreement bearing my signature. Chain of Title : A complete breakdown of the chain of assignment from the original creditor to your agency. Itemized Ledger : A full accounting of the alleged debt, including the original balance and a detailed list of every fee, interest charge, or " collection cost '' added. Verification of License : Evidence that you are legally licensed to collect debts in my state. Notice Regarding Credit Reporting ( FCRA Compliance ) : Be advised that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are prohibited from reporting inaccurate or unverified information to the credit bureaus. If you have already reported this unverified debt, you must immediately mark it as " Disputed '' with all credit reporting agencies. Failure to provide the requested validation while continuing to report this item or pursuing collection efforts constitutes a willful violation of federal law. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and my States Attorney General. Cease and Desist : Until you provide the legal proof demanded above, you are hereby ordered to cease all collection activity. Do not contact me by phone at my place of residence or employment. All future correspondence must be in writing via XXXX. Govern yourself accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Formal Complaint : Truist Bank Financial Misconduct & Reputation Damage 1. Unlawful Withholding of Funds Truist Bank has withheld my business capital since XX/XX/year> following a bank-initiated closure. Despite 5+ calls over 5 months reporting that no refund check was received, Truist refuses to stop payment and re-issue my funds via wire or overnight mail. This is a failure of basic due diligence and an unauthorized seizure of my property. 2. Predatory Account Closure The closure was triggered by a single returned deposit from a clienta routine business occurrence. Penalizing a small business by closing their entire account over one external check error is an abusive, disproportionate response that suggests discriminatory profiling. 3. Intentional Damage to Professional Reputation ( The " XXXX '' ) Truists most severe violation is the inaccurate reporting of this closure to XXXX and XXXX XXXX XXXX ( XXXX ). Because Truist failed to code this as a " Bank Error, '' I am currently being " XXXX '' from the entire US financial system. I have been repeatedly denied when trying to open new accounts at other banks because of the derogatory marks Truist placed on my record. This is a direct violation of UDAAP standards ; Truist is effectively preventing me from operating my business or even participating in the economy. They are reporting a " bank-initiated closure '' for a situation they caused, which is defamatory and factually incorrect.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: WA

Complaint narrative:
I was messaged on XXXX about online gaming forum with promises of big wins fare gameplay instant cash out when reaches certain amount. I figured since thru XXXX it would be legit. they said they own XXXX XXXX XXXX Oklahoma. I called XXXX they don't have online casino. I then find out they site is unregulated unlicensed. I noticed while playing that my account balance would drain sometimes or not pay me proper amount for wins. I informed the business and they said they have no control over game. I found out they have XXXX % control they can change percentages of wins and chances to get bonus or flat out never let you get bonus they also can detect balance at there will. I informed XXXX I tried making ftc complaint also. on XXXX she says her name. is XXXX but when they gave me info on who to pay it says XXXX. I informed chime about this. that is who I bank. thru and there customer support kept running me in circles for hours they would pass me on to next XXXX XXXX XXXX. they would all ask me for me ss # : full name. address phone number. would have me say in detail amount and date for transaction I think I ended up sharing it with XXXX or XXXX XXXX XXXX XXXX yesterday without any help at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Even though some credit cards like XXXX XXXX was opened fraudulently but I still try to pay it off and pay it scheduled payment every two weeks. But it still do not update and reported monthly delinquent and collected and charged off accountfor a long time. That damaged my profile and score and even parent me from applying for credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).

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 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).

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