vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX'I paid this guy over cause of six months XXXX for treatment for his friend with XXXX XXXX. I was supposed to get a refund, but I never did and he keeps on asking me for XXXX for the last five days to pay his manager to give me back the money and he swears to God no more payments and every day he writes for more money today he wont make me go to Bank Of America and he said if I paid $XXXX they would give me the check there I talked to the bank manager. She knew nothing about this and she knew nothing about this guy. His name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI know hes routing number and account number, but you said dont mention 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 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I was attempting to buy a bumper for an antique truck that i own, found one ( i thought ) on XXXXXXXX XXXX XXXX. Seller had a very nice website i looked into, XXXXXXXX XXXX of auto related products. I contacted them back through XXXX XXXX and said lets do it. They said they accepted money via a payment processor called Chime. I opened up a chime account and I sent XXXX from my XXXX XXXX account for chime to process the payment. I was informed by the " seller '' it was actually XXXX and to send another XXXX, I knew at this point it was a scam, i very polietly asked the " seller '' for my money back ( even knowing i had been scammed ) the " seller '' instantly blocked me, i could not even see the conversation we had after they blocked me. I contacted chime to get my money back as they had let a thief on their platform, I was informed by Chime the funds were not recoverable, I baulked at that answer and was told and I quote " tough luck ''. I contacted my bank the next day to report the theft, one and 1/2 months later i received a letter from XXXX XXXX basically saying tough luck. I am XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX veteran, i thought i might have had earned even the tinyest little bit of respect, i guess I was and am very wrong in my thinking. Chime allowed thieves to operate unchecked on their platform, XXXX advertises online fraud protection ( just not for me I guess ) i was just unsuspecting guy just trying to buy bumper for an antique truck. I am out XXXX and a bunch of self respect

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is my second complaint regarding Citibank Credit Cards. The same thing that is happening to this account as the previous one but I understand they have to be filed separately. I opened this account in XXXX of XXXX ( Citi XXXX XXXX ). My original limit was {$7500.00}. Since opening the account I have made payments on time or early, paid over the minimum, never late. I have not used the card in over one year ( and don't plan to ). XX/XX/XXXX my limit was lowered to {$5100.00}. XX/XX/XXXX my limit was lowered again to XXXX. Even though I am making my payments and fulfilling my credit card holder agreement terms, they continue to lower my credit limit which in turn lowers my credit score because it shows me at almost 100 percent utilization of that card. My credit score has dropped from XXXX points!!!!! I don't understand why they are doing this to me. If I had missed payments or been late that's one thing but I have NOT. I am just trying to pay off this card asap. If nothing changes I assume they will do this again and again. Can you please help me. Its ironic that while I'm trying to pay off a debt, which is a good thing, I'm being punished with continual credit drops. My plan was to pay this card off and be done with it. I've never been treated like this from a credit card company. If they look at my record with them it is excellent. It feels like credit card abuse. This whole thing just makes me sick.

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 2026-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
i had XXXX accounts with Sofi bank, a checking 's and a savings. On Thursday, XX/XX/XXXX around XXXX XXXX i received a call from someone impersonating my bank. They already had some of my information which made the whole thing believable. They told me someone was trying to gain access to my bank account and they new it was fraud so they were offering to close my bank account and open a new one to prevent the fraud. To do so, they needed my authorization and they asked for some information. They then began to send me authorized verification text messages from the bank. From one moment to the next they transferred all the money i had in my checking 's to a separate account which was a total of {$3200.00} and then they transferred all the money i had in my savings account to a separate account which was a total of {$2500.00}. After withdrawing all my money, they closed my account and then hung up the call. As this was happening i was receiving email update from my bank. In a hurry i called back my bank but they said they had never called me and that they could not help me because my account had been closed by me. I opened up an investigation with the security department but within 10 days they wrote to me saying that they had not seen anything wrong, for that reason they would need to close the investigation. I tried reopening the investigation but they said that if i didn't have any proof of what had happened then they could not help me so they closed both claims again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am a current Wells Fargo member who recently disputed an unauthorized transaction of {$50.00} on my checking account. I made the dispute over the phone with their call center earlier this month. ( XX/XX/XXXX ) This was regarding a {$50.00} " deposit '' charged to my account via my debit card late last month ( XX/XX/XXXX ) at a motel. Unfortunately, this dispute was NOT resolved in my favor ( XX/XX/XXXX ), even though I believe I was in the right. This has also resulted in myself being overdrawn and subject to extra fees.

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 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i called j.p. morgan chase and express due to my XXXX XXXX and i'm have a financial struggle and they denied to lower my auto payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MN

Complaint narrative:
I received a debt collection letter for XXXX from Jefferson Capital for {$620.00}. I do not have any past due balances from XXXX and I currently have a line with their service. This debt is not owed by myself or anyone in my household.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I FILED A DISPUTE ON MY CHECKING ACCOUNT ENDING IN XXXX BECAUSE XXXX DIFFERENT XXXX TOOK MY DEPOSITS AND GAVE ME A HARD TIME ON RECEIVING MY WITHDRAWALS. ALSO I DID NOT AUTHORIZE EACH TRANSACTION THAT WAS TAKEN FROM MY ACCOUNT BECAUSE I WORK MONDAY THRU FRIDAY AND THERE WERE MULTIPLE TRANSACTIONS OF ONLINE GAMBLING THAT DIDNT EVEN NEED MY VERIFICATION TO PROCEED.

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 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] ( XXXX : XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX RE : Formal Complaint, Credit Reporting Dispute, and Request for Debt Validation To Whom It May Concern, I am filing a formal complaint and dispute regarding inaccurate, unverified, and potentially fraudulent collection accounts currently being reported on my credit file. This letter serves as my formal notice of dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and a request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Caine & Weiner I have no knowledge of these alleged debts and do not recall entering into any agreement with these entities or the original creditors. These accounts are therefore disputed in their entirety. Despite this, the accounts continue to be reported on my credit file without proper verification, which raises serious concerns regarding compliance with federal law. Pursuant to my rights under federal law, I am requesting that each furnisher of this information provide the following : 1. Complete verification of the alleged debt, including the original creditors name and address 2. A full accounting of the debt, including how the balance was calculated 3. Copies of any agreements, contracts, or documents bearing my signature 4. Proof that the reporting entity has legal authorization to collect on this debt XXXX. Documentation showing that the information reported to credit bureaus is accurate and complete If these entities are unable to provide sufficient documentation to validate the debts, they are required under federal law to cease reporting and request deletion of the accounts from all consumer reporting agencies. Additionally, reporting unverified or inaccurate information may constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I am requesting that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and ensure that all applicable laws are being followed. If the accounts can not be properly validated, I request their immediate removal from my credit reports. Please provide written confirmation of the results of your investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
Sequium Asset Solutions reported a {$320.00} collection on my credit file allegedly from XXXX XXXX, an account I do not recognize or recall ever opening. The reporting contains limited account details and no supporting documentation. I requested full debt validation and proof of assignment, along with verification of their authority to collect and report in my state. The company has not provided sufficient documentation to substantiate the debt or demonstrate compliance with federal credit reporting and debt collection requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I purchase a car XXXX XXXX XXXX from XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) Retail Contract dated XX/XX/XXXX. Also at time of purchase I acquired XXXX insurance with the Dealership. On XXXX XXXX, I was involved in a car accident which my car was totaled out by my Insurance company. At the same time I was working with my XXXX XXXX XXXX I reached out to make a claim with my XXXX Insurance which is being handled by Dealer XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX emailed a list of documents that I needed to obtain and return to them within 90 days to complete the claim process. At this time I have submitted all documents except the Original Retail Buyers Guide which I was told that the Dealership has. I previously contacted a XXXX XXXX to obtain the XXXX XXXX contract in which he provided at that time I informed him that I needed the Original Retail Buyers guide also he told me that I would have to speak to the Sales dept. I called the Sales dept about obtaining the Original Retail Buyers Guide associated with my car purchase they told me that the Retail Loan Cantract which I already submitted to Dealer Loyalty Protection was the same document. Therefore I contacted Dealer Loyalty Protection and told them what the dealership informed me and they responded and told me that was not the case. I then contacted XXXXXXXX XXXX again and requested the Original Retail Buyers Guide. They then told me after XXXX yrs they dont have it that I will have to contact XXXX XXXX XXXX how to obtain the document. I then emailed XXXX XXXX on XX/XX/XXXX along with phone calls to obtain the document ment and I have yet to get a response. At this point Im convinced that Im being sabotaged in order not to honor the XXXX XXXX claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Hi, I am writing to formally raise a complaint regarding my experience with XXXX XXXX, as I believe the terms of my loan were misrepresented and not clearly explained. At the time I took out the loan, I was under the impression that I had two separate loans : one for my vehicle and one personal loan. However, when I attempted to trade in my car on XX/XX/XXXX to purchase a new vehicle, I discovered that the loans had been combined. I was never informed of this structure, nor was I provided with a clear breakdown of my vehicle balance. When I contacted OneMain Corporate to obtain the payoff amount for my vehicle, I was not given a direct answer and was instead told I would need to calculate it myself. Based on the information available, the dealership ( XXXX ) issued a check to OneMain for the estimated vehicle payoff. Despite this, I am now being told that the title will not be released unless the full remaining loan balance is paid, which is approximately {$9000.00} more. This requirement was never disclosed to me at any point during the loan process or in my follow-up communications. Had I been aware that my vehicle was tied to the full loan balance, I would not have proceeded with the trade-in. As a result, I am now in a difficult position where the dealership has already taken possession of my vehicle, and I am being pressured to pay an unexpected {$9000.00} to resolve the situation. This has caused significant inconvenience and financial strain due to a lack of clear communication and transparency from XXXX. I am requesting a prompt review of this matter and a resolution that reflects the information I was originally provided. Please advise on next steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
I am filing this complaint regarding multiple federal student loan accounts currently being reported under MOHELA / Department of Education. I previously submitted formal disputes requesting verification of these accounts, including documentation supporting the alleged obligation, the method of verification used, and a complete account history including all servicing transfers. It has been well over 30 days, and I have not received any adequate response, supporting documentation, or a proper method of verification. These accounts have been transferred between multiple servicers over time, raising concerns regarding the accuracy and integrity of the data being reported. Despite my requests, no documentation has been provided demonstrating that the reported information is complete, accurate, and properly verified. Additionally, I have not been provided with any executed agreement or documentation clearly linking me to the alleged obligations beyond basic reporting data. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), both the credit reporting agencies and furnishers are required to conduct a reasonable investigation and ensure that all reported information is accurate and verifiable. To date, this has not been done. Courts have held that credit reporting agencies and furnishers must conduct meaningful investigations and can not rely solely on automated confirmations ( XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ). Given the lack of documentation, failure to provide a method of verification, and concerns regarding accuracy due to multiple servicing transfers, I dispute the validity and reporting of these accounts. I am requesting a complete documented investigation of each account, including the method of verification and all supporting documentation. If these accounts can not be fully and accurately verified, they must be corrected or removed from my credit report. The continued reporting of this information is negatively impacting my credit profile and limiting my ability to access fair credit and financial opportunities due to information that has not been properly verified.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I have honestly spent years trying to get information about loan forgiveness and have had no responses. Also the school I attended has closed and I can not get any transcripts

Company response to consumer: Untimely response
Consumer complaint received 2026-04-29 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am a victim of identity theft. I have provided American Express ( Amex ) with a valid FTC Identity Theft Report and a police report. Despite this, Amex is refusing to follow federal law and is continuing to hold me liable for a fraudulent debt. All three major credit bureaus ( XXXX, XXXX, and XXXX ) have already investigated my claim and permanently blocked/deleted this Amex account from my credit reports under FCRA 605B . Amex informed me via telephone that they would no longer investigate my claim. They are " standing on '' the fact that unauthorized payments were made from a bank account as " proof '' of ownership. Amex is ignoring the fact that a thief who steals an identity can also initiate unauthorized transfers. Violation of 609 ( e ) : I have formally requested transaction records ( IP addresses and device IDs ) to prove I did not authorize these payments. Amex has failed to provide these records, which is a direct violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I repatriated to XXXX from the US and had to close my Bank of America account. Not only Bank of America never provided tracking info of my check getting mailed to be with my remaining funds, when I received the check after two months, the name on the check was wrong. I can not deposit the check to get my funds out, because the name on the check is of my deceased grandmother who happened to be a name in the account at some point. Bank of America needs to re-issue my check, with my name only on it and this time give me actual tracking information when mailing it from US to XXXX.

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 2026-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
b'Im reaching out to file a formal complaint regarding my Capital One XXXX XXXX card, which has been suspended since XXXX XXXX XXXX.\n\nThe account was flagged for income verification, and Ive already sent over everything requested: my W-2, recent paystubs, and three months of bank statements showing my direct deposits. Even though these documents clearly support the income I reported, Ive been told five times now that they "cannot be verified." No one can explain why the documents are being rejected or what else is needed.\n\nI opened this card in XXXX XXXX and paid the $XXXX annual fee upfront, but Ive only been able to actually use the card for about three months. Currently, the account is stuck in a state where I can only make payments but can\'t use any of the benefits I paid for.\n\nId like someone to actually look into this case and verify my income so I can use my card again. If Capital One is unable to do that, Im requesting a refund of my annual fee.\n\nMy card number is XXXX XXXX XXXX XXXX. The name is XXXX XXXX.'

Company response to consumer: Closed with explanation