vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
My Robinhood account has been partially restricted for over a year due to a failed identity verification caused by a name mismatch. I am able to log into my account, but certain functions including purchasing cryptocurrency remain XXXX. This issue stems from the fact that my Social Security record reflects my maiden name, while my Robinhood account reflects my legal married name. I have provided valid identity documentation multiple times, including : Government-issued ID showing my current legal name Social Security number Passport Marriage certificate These documents clearly establish continuity of identity. My SSN has not changed, and my legal name change due to marriage is valid and documented. Despite this, the restriction has remained in place for over a year. I have made multiple attempts to resolve this directly with Robinhood by : Submitting all requested documentation Communicating with support via email Requesting escalation and asking to speak with a XXXX Although I was contacted and provided additional documentation, the issue was never resolved. I was not able to speak with a XXXX, and there was no effective follow-up process. Robinhood support informed me that I must update my Social Security record to reflect my married name before they would remove the restriction. However, I have already provided sufficient legal documentation to verify my identity. Requiring a Social Security name change as a condition for restoring account functionality, despite valid documentation, has resulted in a prolonged and unresolved restriction. This appears to be an automated identity verification issue that has not been properly reviewed. This ongoing restriction is preventing me from fully using my account. I am requesting : Immediate resolution of the identity verification issue and removal of account restrictions, or A written explanation citing the specific regulation preventing resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have my CapitalOne credit card set up to autopay on the XXXX of each month, which is when I get money from XXXX XXXX XXXXXXXX XXXX. I use CapitalOne 's own website to set this up, and my payment is from my CapitalOne checking account, and supposed to be accepted/transferred/completed on the first of each month. Capitalone has regularly failed to transfer money from their own checking account in a timely manner. Why does it take XXXX days to accomplish this automatic payment when they can easily make instant transfers from XXXX of my checking accounts to another, or to savings? The timeframe used for supposedly " automatic payments '' is clearly designed to generate late fees and more interest. I had enough money to pay on the days I attempted to pay, but CapitalOne 's greedy practices refused my payments while hiding behind fine print and overly complicated protocols. There is no legitimate reason for CapitalOne, a banking company, to take XXXX days to simply transfer money from XXXX of their own accounts to another XXXX of theor own accounts. Also, my credit report says the account is closed, but the CapitalOne site says it is merely " Restricted, '' which I assume is another misleading practice used to trick people into paying more quickly into a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, This correspondence constitutes a formal legal dispute pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). I have previously disputed multiple inaccurate and unverifiable tradelines appearing on my Equifax consumer file. Equifax has continued to publish adverse credit data without producing competent evidence of verification, thereby violating federal law. STATUTORY AND REGULATORY VIOLATIONS Failure to Conduct a Reasonable Reinvestigation XXXX XXXX. XXXX ( a ) ( XXXX ) ( XXXX ) XXXX responses, data parroting, or furnisher affirmations do not meet the statutory burden required by law. Failure to Maintain Maximum Possible Accuracy XXXX XXXX. XXXX ( b ) Equifax is reporting inconsistent balances, payment histories, and charge-off data without documentary proof. XXXX XXXX Reporting Violations Missing or misstated Date of First Delinquency Charge-offs reported while balances continue to update Re-aging of delinquency timelines Incomplete payment grids Improper collection status layering Failure to Properly Mark Accounts as Disputed XXXX U.S.C. XXXX ( f ) DEMAND Because Equifax can not lawfully continue reporting unverifiable data, I hereby demand : Immediate PERMANENT DELETION of all disputed tradelines Written confirmation of deletion Full disclosure of the method of verification, including : Name and address of each furnisher Description of documents reviewed ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) ) Failure to comply will be documented as willful non-compliance, exposing Equifax to statutory and punitive damages under XXXX XXXX. XXXX & XXXX. This is a formal demand, not a courtesy request. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: GLOBAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint against Global Credit Union regarding unauthorized electronic fund transfers from my account due to account takeover fraud. My account was hacked and funds were transferred out without my authorization to pay third-party bills. I did not initiate or approve any of these transactions. I promptly reported the fraud to Global Credit Union. However, my fraud alert was closed without providing a claim number, without a proper investigation, and without issuing provisional credit. This handling appears to violate my rights under Regulation E of the Electronic Fund Transfer Act, which requires financial institutions to investigate unauthorized electronic fund transfers and provide provisional credit within required timelines. I am requesting the following : Immediate reopening of my fraud claim A formal claim number and written confirmation Full reimbursement of all unauthorized transactions Provisional credit while the investigation is pending A complete investigation into the account takeover I have also submitted written notice and attempted to contact the institution multiple times. I am requesting prompt resolution and compliance with federal consumer protection law During a follow-up visit to a branch location in XXXX XXXX XXXX California, I was instructed by a XXXX to contact the recipient agency of the fraudulent transactions myself to resolve the issue. I was not provided a claim number, and no formal fraud investigation appeared to be initiated. This instruction is inappropriate, as the responsibility to investigate unauthorized electronic fund transfers lies with the financial institution under Regulation E. This response caused further delay and confusion in resolving the fraud on my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Good evening, I have been a customer of Citibank for approximately XXXX year. I primarily used this account to hold my savings. My regular ACH deposits are received in my XXXX XXXX account and then transferred to my Citibank account without any issues until now. Today, I was unable to log into my account. After contacting Citibank, I was informed that my account had been closed without prior notice. I was further advised that I must wait XXXX days for the account closure process, followed by an additional waiting period to receive a check with my remaining balance. This situation is causing significant financial hardship. The funds in this account were intended for an upcoming vehicle down payment, with delivery scheduled at the end of this month. Additionally, I am the sole financial provider for my household, supporting my mother and sister. I attempted to resolve this matter directly with the bank and even offered to travel over XXXX hours to a branch to retrieve my funds in person. However, I was told that no alternative options are available and that I must wait for the check. I respectfully request an expedited resolution and immediate access to my funds. The current timeline provided by the bank is unreasonable given the circumstances and the impact on my financial obligations. Thank you for your prompt attention to this matter.

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 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a call on XX/XX/year> by a wells Fargo representative stating that my account will be scheduled to close due to me making XXXX claims, where I was scammed out of my own money. The person also stated that continuing to keep my account is a risk to the company because of those claims. She also stated that I would still have access to my funds until the closure date which is XX/XX/year>. I went to make a purchase for new glasses because I am near sighted with astigmatism, which declined. I called Wells Fargo and they kept transferring me to other agents who werent able to answer why I no longer had access to my funds.

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 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Re : Dispute Fraudulent Collections Account ( Identity Theft ) Account : LVNV FUNDING LLC, {$1600.00}, Reported XX/XX/year> Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I dispute this entry. The LVNV FUNDING LLC collections account is fraudulentcaused by identity theft. My personal information was exposed in multiple data breaches, which led to this unauthorized debt. I did not open the account, authorize any charges, or owe this amount. Delete the item immediately and send written confirmation of removal. Attached : FTC Identity Theft Affidavit Driver 's license and recent utility bill Email me at if you need anything else. Sincerely, XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} Balance updated XX/XX/year> LVNV FUNDING LLC Original creditor XXXX XXXX XXXX Balance {$1600.00} Balance updated XX/XX/year> 2026

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding a serious data handling and servicing issue involving my mortgage servicer, CMG Home Loans. For several months, I have been attempting to correct inaccuracies on my Form XXXX ( XXXX XXXX XXXX ). Despite repeated outreach, the company failed to provide a correct form in a timely manner. On or about early XX/XX/year>, while attempting to resolve this issue, the company sent me a Form XXXX belonging to another borrower. This document contained that individuals non-public personal financial information, including full name, property address, loan number, loan balance, mortgage interest information, and the last XXXX digits of their Social Security number. This constitutes an improper disclosure of sensitive financial information to an unauthorized party. I raised this issue immediately with the company. In their response, they characterized the incident as human error and stated that it occurred outside of their standard processes. However, they have not provided sufficient detail regarding : The repeated use of general statements and the refusal to provide direct answers is not acceptable given the seriousness of what has occurred. The root cause of the failure Whether this incident has been formally classified as a reportable privacy event Whether other customers were affected by similar errors What specific safeguards failed or have been implemented to prevent recurrence Additionally, although they offered to provide credit monitoring services, I have not yet received any details or activation information, despite the time-sensitive nature of potential identity-related risks. This issue is particularly concerning because it occurred in the context of prolonged servicing failures related to my own incorrect Form XXXX, suggesting broader deficiencies in quality control and oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: AR

Complaint narrative:
If this is the debt from XXXX this was paid in full. Secondly. If this is not from XXXX I am disputing it because it is not mine. The social that you have on file is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
I am filing this formal complaint against RoundPoint Mortgage Servicing for violating RESPA guidelines and failing to rectify a massive escrow accounting error. Despite my formal " Notice of Error '' sent on XX/XX/XXXX, the bank has failed to correct my account. Furthermore, I have contacted the banks customer service department via telephone multiple times to resolve this issue. During these calls, I clearly explained the accounting errors, but the representatives refused to cooperate, ignored my evidence, and failed to provide any escalation or resolution. This lack of cooperation has forced me to seek assistance from the CFPB. In XX/XX/XXXX, the bank paid {$6500.00} in property taxes. On XX/XX/XXXX, I reimbursed the bank in full for this exact amount ( {$6500.00} ) via a manual payment. The bank received these funds but failed to apply them to reduce the escrow shortage, effectively double-charging me for the same tax bill through an inflated monthly payment. I also pay my homeowner 's insurance directly to the provider, but the bank continues to factor it into my escrow projections incorrectly. Between XX/XX/XXXX and XX/XX/XXXX, I have paid a total of {$6600.00} in extra escrow funds. Combined with my direct reimbursement of {$6500.00}, I have provided the bank with over $ XXXX far exceeds any actual tax obligations for XXXX and XXXX. Based on the XX/XX/XXXX statement, the actual escrow balance is only - {$740.00}. I have withheld the XX/XX/XXXX payment because the bank continues to demand an incorrect, inflated amount ( {$1400.00} ) instead of my contractual P & I of {$720.00} plus the actual minor shortage spread. Desired Resolution : 1. Immediate manual audit and correction of the escrow account. 2. Adjust the monthly payment back to the correct amount ( P & I of {$720.00} + actual remaining shortage ). 3. Full refund of overpaid escrow funds. 4. Permanent termination of the escrow account ( Escrow Waiver ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: HUNTINGTON NATIONAL BANK, THE
State: TN

Complaint narrative:
Police Report # : XXXX After obtaining and reviewing the full dealer and title documentation from the XXXX XXXX XXXX, I discovered that material documents used in the transaction were altered without my knowledge or authorization, including a Power of Attorney form. These altered documents were used to process title and registration actions. A police report has been filed regarding this forgery and document alteration. I have also obtained supporting documentation directly from the county clerk confirming what was submitted on my behalf. XXXX has been placed on notice of this fraud and provided with details of the altered documentation. Despite this, XXXX has : Continued to report the account as valid and accurate to credit reporting agencies Failed to conduct a reasonable investigation into the fraud claims Continued collection activity and enforcement of the loan Asserted that the matter is solely between myself and the dealership This position is not acceptable. XXXX is subject to all claims and defenses arising from the underlying transaction. The enforceability and accuracy of this account are directly in question due to documented fraud/forgert in the execution of transaction-related documents. Under the Fair Credit Reporting Act, XXXX is required to conduct a reasonable investigation upon receiving notice of a dispute and can not continue reporting information that is inaccurate or can not be verified. Continuing to report and enforce a debt tied to a transaction involving documented forgery raises serious concerns regarding compliance with federal law and constitutes potentially unfair or deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On or about XXXX XXXX, my XXXX XXXX credit card issuer reduced my credit limit from {$700.00} to {$250.00} without prior notice or clear explanation. My account reflects an exceptional payment history, with no late payments on this or any of my accounts. I have consistently managed my credit responsibly and remained in full compliance with all account terms. This reduction has significantly increased my credit utilization and negatively impacted my credit profile despite my strong and responsible credit behavior. I contacted the company to request an explanation and reconsideration ; however, I was not provided with a clear or specific reason identifying the factors that led to this decision. To date, the company has failed to provide transparency regarding whether this action was based on information from my consumer credit report or internal criteria, and no meaningful justification has been given. I am requesting a detailed explanation of the specific factors used in this decision, confirmation of whether consumer reporting agency information was used, and a manual reconsideration with reinstatement of my prior {$700.00} credit limit based on my exceptional payment history.

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 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a malfunction that occurred on XX/XX/year>, at approximately XXXXXX/XX/XXXX at a PNC Bank ATM located inside XXXX, XXXX XXXXXX/XX/XXXX PA XXXX. At that time, I attempted to deposit {$680.00} in cash into the ATM. After inserting the funds, the machine displayed the message : This transaction can not be completed at this terminal. The ATM then returned my debit card along with the cash. Upon immediately recounting the returned funds, we discovered that only {$580.00} had been dispensed back to us. The remaining {$100.00} was not returned. We promptly notified the XXXX XXXX on duty, who stated that this was not the first time a similar issue had occurred that day with this specific ATM. I immediately contacted XXXX XXXX Bank, as the transaction was conducted using my XXXX XXXX debit card, and a formal claim has been initiated. This transaction was conducted through XXXX XXXX utilizing a PNC Bank ATM. The XXXX XXXX website indicates that this location accepts deposits, yet the machine displayed a message stating the transaction could not be completed. Regardless of any network issue, it is PNC Banks responsibility to ensure that its ATMs function properly and accurately return all funds when a transaction is cancelled. Loss of physical currency due to ATM malfunction is a serious matter that directly impacts consumer trust and financial security. I expect a written response within XXXX ( XXXX ) business days of receipt of this letter. If this matter is not resolved promptly, I will continue pursuing all available remedies through appropriate regulatory and consumer protection channels. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation