vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am being sued by Capital One because they used predatory and exploitive practices to ruin me financially and will not work within my means. They are suing me and when I called Capital one to get all my paperwork they referred me to the law office. I called the law office on XX/XX/XXXX to request those records and was told I would receive them within 2 weeks. I needed them to review as I am fighting the lawsuit, It is XX/XX/XXXX I still have not received them. Sent an email on XX/XX/XXXX requesting a continuance as that is what I was told to do on XXXX/XXXX/XXXX when I spoke to a representative at the law office. Ask for a conformation. I called on XX/XX/XXXX and was told they have not seen my email. After explaining what I was trying to do. I was told I would receive a call from a lawyer with a day. It is XX/XX/XXXX and I still have not heard from the attorney representing Capital One. Capital One is known for predatory practices. I had a card with them which I had already paid down once. They kept raising my limit. I was not at my limit, and I was paying more than the minimum each month. I had a plan to pay them down. They without notice and for reasons unknown reduced my limit to what was owed. This made my financial situation at the moment very precarious as I trusted I was doing everything right. that was in XXXX. Now they are suing me and will not work out anything that I can accommodate. It seems that a XXXX company wants to take everything I have to collect on something that they were the ones who caused the problem in the first place. I am fighting them in court, and they will not supply me with the documents I need. The ones they did supply are for the last month and have 3 different balances. The balance they are claiming is far more than it was when they closed it and they supply no explanation for this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
Seller did not send all items as written in contract

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 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint Summary : Regions Bank misrepresented the status of my personal lines of credit, which I use to manage both personal and business-related expenses. I contacted Regions before making a payment and was told that my personal line of credit ending in XXXX was still active and that my available credit would return once I made a payment. Based on this information, I made a cash payment of approximately {$1600.00}. After the payment posted, my balance decreased but no available credit returned, and I was then told the account was actually closed. This directly contradicts what I was told. Previously, Regions also withdrew nearly {$900.00} from my checking account ( XXXX ) toward account XXXX, even though that line of credit was supposed to be closed and I did not expect or authorize that withdrawal. I attempted to resolve this with the branch manager, but he did not provide a complaint reference number and did not follow up as promised. Corporate confirmed the complaint is in their system but still could not provide the reference number, and said the branch should have supplied it. This misinformation and mishandling caused financial harm and prevented me from managing other accounts. Also the transaction for account XXXX was on or about XXXX. Also the XXXX account unauthorized transaction was on or about 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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On or around XXXX of XXXX I had my XXXX account hacked the person merged my phone with theirs and got all of my passwords and information. In XXXX I started to notice odd transactions on my XXXX, XXXX, and XXXX. Ive filed disputes with all 3 and XXXX and XXXX have already fixed the issue but XXXX says there was no error with any of the transactions totaling well over XXXX . Im hoping they see this and I can get a bit of help

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I deposited 3 check into my Citi bank. The Bank shoed funds available and I XXXX a portion. 2 days after they said the checks bounced back. I inmediately contacted the bank payor and they confirm the funds were available but did not pay bcse suspected fraud. I FIXED that and the bank said they will pay Citi bank now.I inmediately deposit into Citi new cheks and all was cleared.Now City will close my bank account and refuses to let me access to my money in their account. They flagged it as fraud when they were the ones to tell me the funds were available. I asked several times to close the account inmediately and realese my funds and they refused stating it will take 60 days. They gave wrong information and gave me access to my money and now they are treating me like I commited fraud. I need the account close as of today and my money to be realese.they are profiting from my money.completely unethical theaf.

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 2026-03-10 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: CITIBANK, N.A.

Complaint narrative:
This complaint concerns unauthorized recurring debit card transactions on a Citibank checking account in the amount of {$27.00} every XXXX weeks, totaling approximately {$700.00} over the course of XXXX year. The account holder is elderly and did not receive bank statements during this period. As a result, the unauthorized transactions were not discovered earlier. The issue was reported immediately upon discovery. Citibank denied the claim based solely on the XXXX reporting requirement under Regulation XXXX However, the account holder did not receive statements and therefore did not have a reasonable opportunity to identify or report the error within that timeframe. We are requesting a full investigation and reimbursement of the unauthorized transactions. Given the account holder 's age and lack of access to statements, strict reliance on the XXXX rule is inappropriate in this situation.

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 2026-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up with Bank of America on XX/XX/year> and, once approved on the same day, routed my paychecks to that account from my employer, XXXX. However, they had a problem reporting my identity and closed my account immediately. The account then received {$4700.00} from 2 employer paychecks that I was not able to access without going to the bank and verifying my identity through 2 forms of ID. I verified my ID with the bank, via my passport and drivers license, 3 separate times, each time being told either that a ) my account had been closed and cashiers checks had been sent to my address or b ) they were able to reopen my account but when I got home and tried to transfer funds to a separate external bank account ( XXXX account also in my name ), the account kept reclosing or I would lose online banking access for the same reason. I also submitted an urgent request to withdraw which was approved in XXXX hours but which only led to me again having to go to the bank, having them reopen my account, and having to transfer funds out of my account back at home which then again shut down my account. After XXXX bank visits and multiple phone calls, I have been able to recover {$3700.00} to my XXXX savings account, but the final transfer of {$1000.00} is still getting cancelled and Im unable to access it as to de again I lost access to online banking.

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 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX weeks ago I received a Wells Fargo credit card in the mail which I did not apply for. Over the last XXXX weeks I have made XXXX or more attempts to reach their fraud department. Each instance has resulted in me waiting on hold XXXX minutes and then the call disconnects. I am going on the fourth week having this fraudulent account opened in my name by a company that makes billions of dollars and I am not even able to get someone on the phone to get this resolved after wasting hours of my time. I need this resolved immediately! XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: KY

Complaint narrative:
I am disputing a {$700.00} collection account reported by IQ Data XXXX related to XXXX XXXX at XXXX XXXX. In XX/XX/XXXX, I sent a written request asking for documentation explaining the alleged charges. I requested an itemized statement, documentation supporting the charges, move-in and move-out inspection reports, an explanation of how my security deposit was applied, relevant lease provisions authorizing the charges, and proof that the collector is authorized to collect the debt. On XX/XX/XXXX, I sent a formal debt validation request to IQ Data XXXX. Delivery of this letter was confirmed. Despite this request, I have not received any documentation validating the alleged debt. IQ Data XXXX continues to report this collection account to the credit bureaus even though the debt has been disputed and validation has not been provided. I believe continuing to report this account without providing validation is improper and harmful to my credit. I am requesting that IQ XXXX XXXX either provide full validation of the alleged debt or remove the collection account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: OK

Complaint narrative:
On XX/XX/year> an individual with fake personal information went into a Regional Finance branch in XXXX, Oklahoma. Regional Finance incorrectly gave out a personal loan to an unknown individual. On XX/XX/year> I was contacted about the fraudulent loan by Regional Finance branch that gave out the incorrect loan. I told the business it was fraudulent and I was going to file a police report that day, which I did on XX/XX/year>. I asked for information to give to the police department and Regional Finance told me they could not provide me with any information to give to the police department. As the victim on XX/XX/year> I physically went into the Regional Finance branch and tried to logically take care of their fraudulent error. Asked for Information such as identification of the individual that took out the loan and for Regional Finance to track what bank account the money went to? I again was told by the terrible branch they could give me nothing and to contact corporate. I have had many phone conversations with corporate on this fraudulent loan. I have given them the police report and asked why they did not have any information to give me? Because they did not seem honest or truthful about having an identification for the loan I would not sign any paperwork from this terrible company because of lack of trust. This company is scamming people after they made the error so they can get paid by their insurance company. I asked for help and went in multiple times in person and they still are trying to sue me for money they are not owed because it was their mistake, I have been harassed with lots of phone calls and employees not listening or following up with information I have given them from the first day of contact with myself. They should be fined and their doors closed so they can stop harassing and trying to steal from victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: HI

Complaint narrative:
Validation of Debt Request - SPRINGOAKS - XXXX * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing a complaint regarding a charged-off account that is being reported on my credit report. I believe this account is inaccurate and/or can not be properly verified. I have requested that the company investigate and validate the debt, but I have not received sufficient documentation proving that the account information being reported is accurate. The continued reporting of this charged-off account is negatively impacting my credit. Under the Fair Credit Reporting Act, I am requesting that this account be properly investigated and that the company provide verification of the debt. If the account can not be fully verified with accurate documentation, I am requesting that it be removed from my credit report with all credit bureaus immediately. I am requesting a full investigation into this matter and a resolution to have this inaccurate or unverifiable information removed from my credit file. This is for XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing a complaint regarding a charged-off account that is being reported on my credit report. I believe this account is inaccurate and/or can not be properly verified. I have requested that the company investigate and validate the debt, but I have not received sufficient documentation proving that the account information being reported is accurate. The continued reporting of this charged-off account is negatively impacting my credit. Under the Fair Credit Reporting Act, I am requesting that this account be properly investigated and that the company provide verification of the debt. If the account can not be fully verified with accurate documentation, I am requesting that it be removed from my credit report with all credit bureaus immediately. I am requesting a full investigation into this matter and a resolution to have this inaccurate or unverifiable information removed from my credit file. This is for XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Yesterday, I noticed a new XXXX XXXX monthly fee on my SoFi credit card. SoFi advertises that there are no annual fees on their credit card products. For some years, I have not been charged a fee. Their website advertises the card as having no annual fee, but the current terms on my card are different than the original terms and the advertised terms. My terms have a XXXX XXXX monthly fee, which is new. When I asked about this, the online agent said that I was selected to pay a XXXX XXXX monthly fee but was not given an adequate answer to why. " Certain cardmembers were selected for the monthly fee in order to continue to provide the benefits, protection and service that our members expect from SoFi. '' My only options are to pay a high fee or close my card and lose my credit history. The online agent also says that I can not downgrade to a card without a fee and will no longer be issued any credit product. There was no reason given despite advertising cards on their website. I have no late payments, the card regularly had multiple monthly charges, the card is paid in full, and I put a large charge on the card in the past that could have been put elsewhere to help my credit. Please, tell SoFi to reverse the fee, refund existing fees, and explain why I was selected for a fee and can not open new credit products. If necessary, I will downgrade to a lower credit card. The credit card that I have was the only card when I applied. I wish to be treated equally as other consumers. I do NOT wish to pay monthly or annual fees. I do NOT wish to close my account and lose my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX at around XXXX, I deposited a {$15000.00} XXXX XXXX XXXX XXXX into an ATM at one of bank of america locations in XXXX XXXX . The check got struck and did not register and complete the deposit. It did not come back out either. I immediately reported this to the dispute line and filed a claim. I have repeatedly urged bank of america to expedite their investigation into this situation. They have declined to do so. My wife just recently passed away from surgical complications with a procedure. I am trying to reconcile funeral and medical expenses that are outstanding. This check is the only life line I have at this time and the bank is not willing to help me. I have urged the bank to send a technician out and remove the jam check which would resolve this matter quickly, however, they are lagging in performing an expedited investigation. I need your help in resolving this matter quickly, because failure to do so could leave me in financial ruins.

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