vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I am filing a complaint regarding the failure to honor a {$400.00} new account promotional bonus ( XXXX XXXX : XXXX ). I opened a new checking and savings account under this promotion. The advertised terms required a direct deposit of at least {$250.00}, XXXX or more debit card purchases within the first 60 days, and keeping the account open and in good standing for 90 days. I successfully completed all transaction requirements. On XX/XX/XXXX, I contacted customer support via chat. A representative explicitly confirmed in writing that I had successfully met the first requirements : a direct deposit of {$250.00} or more and XXXX debit card transactions. On XX/XX/XXXX and another date, I followed up again twice via chat. Another representative confirmed my account successfully reached the XXXX open status requirement on XX/XX/XXXX. Despite meeting all requirements and receiving written confirmation from XXXX separate representatives, the {$400.00} bonus has not been paid. During a subsequent contact with support, a representative retroactively claimed they could not find my eligible transactions, completely contradicting the previous agents and the official chat transcripts. I am requesting the {$400.00} promotional bonus be credited to my account as advertised. I have attached the promotional terms and the chat transcripts verifying my completion of the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
I'm putting some of my combat veteran money that was given as my veteran disability into this bank. I have not even touched the money. They've already restricted it 10 times now that I want my money out of there to do something with it. They will not let me get my money. They still have a restricted. It's been over 2 months Sofi s o f I

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I conducted a balance transfer from my credit card from Capital One bank to pay off a personal loan from my XXXX XXXX account for an amount of {$4500.00}. Capital One sent a check with a wrong account number not associated with me and different from what I entered when I processed the balance transfer online to XXXX XXXX on XX/XX/year> to pay off the personal loan balance. Capital One confirmed the check cleared and was cashed on XX/XX/year> by someone. XXXX XXXX conducted their own investigation and confirmed the check was cashed on XX/XX/year>, and that the account the check went to received an overpayment refund check and that they cashed the check which they shouldn't have because it wasn't their money. XXXX XXXX is looking to try and get that money back since the check was not meant to go to them and sent to them incorrectly by Capital One. My issue is that Capital One is refusing to help at all and saying they sent the check to the information I put in, but I know I put the correct account number and they won't show me proof of the information I entered when I did the balance transfer. Basically I got charged {$4500.00} to my Capital One credit card account and I paid off that balance already and I still have a {$4500.00} balance on my XXXX XXXX personal loan account since Capital One failed to sent it to that account. I am looking at a {$9000.00} loss if I am unable to be helped due to Capital One 's error. Capital One needs to pay me back for their error if XXXX XXXX is unable to retrieve the fraudulently cashed check by the person who received that check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Between XXXX XXXX XXXX, my Chase checking account was charged {$5200.00} across 17 unauthorized transactions from XXXX merchants including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. I did not authorize any of these transactions and have no relationship with any of these merchants. I reported the unauthorized transactions to Chase within 5 days of discovery. Chase opened a claim and subsequently denied it without providing any reasoning. I called Chase multiple times requesting the denial reason. Representatives refused to explain the basis for denial over the phone and stated the reason would arrive by mail. I have not received any written explanation. Most concerningly, a Chase representative advised me to contact the fraudulent merchants directly to recover my funds. This is misleading and inappropriate these are fraudulent overseas entities and Chase bears the legal obligation to investigate and resolve unauthorized transactions under Regulation E. The transactions show a clear fraud pattern : 17 charges clustered in 4 days, the same dollar amounts repeating across multiple different merchants, and all merchants are XXXX XXXX XXXX companies I have never heard of or done business with. I am requesting Chase reopen and properly investigate this claim, provide written denial reasoning as required by law, and refund the {$5200.00} in unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems placed a collection account on my credit report in XX/XX/year> for {$300.00} originally owed to XXXX. I was never contacted by Jefferson Capital Systems at any point no letter, no phone call, no email before this collection appeared on my credit report. I had no opportunity to dispute or validate this debt prior to it being reported. I only discovered this collection when I checked my credit report. This has significantly damaged my credit score. I am requesting that this account be investigated and removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
On XX/XX/year> I reported unauthorized/fraudulent transactions on my account. The bank USAA issued provisional credit during the investigation, but instead of crediting my account, the funds were provided to the fraudulent party. The bank has now denied recovery and is refusing to reimburse me. I believe the bank failed to properly follow Regulation E requirements for error resolution and provisional credit handling. I am requesting a full reimbursement of the disputed amount and documentation showing how the investigation was conducted and how the provisional credit was handled. During this investigation process, I have had my XXXX check taken for me as well as other deposits. USAA never notified me of any fraudulent activity happening in my account. Their security system never alerted me of the irregular activity I had fraudulent scammers in my account for two days before I finally contacted USAA about an update of this situation. I was the victim of a fraud scam where I received a phone call from individuals impersonating USAA. They claimed there was fraudulent activity on my account and instructed me to take immediate action to secure my funds. Believing I was speaking with my bank, I followed their instructions and transferred money from my account through XXXX XXXX to an external account they directed me to. At the time, I had no knowledge that these individuals were scammers. I only later discovered that I had been deceived and that the funds were sent to fraudulent accounts controlled by the scammers. I reported the fraud to my bank immediately. The bank never issued provisional credit and ultimately denied my claim, stating that I authorized the transaction. However, my authorization was obtained under false pretenses through impersonation and fraud. I did not knowingly or willingly send money to scammers. I believe this situation falls under fraud and error resolution protections outlined in the Electronic Fund Transfer Act ( Regulation E ), as the transaction was induced through deception. I am requesting full reimbursement of the funds in the amount of {$12000.00} and a detailed explanation of how the investigation determined that I was liable despite clear evidence of fraud and impersonation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing a complaint against several debt collection agencies for potential violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies failed to provide sufficient documentation proving I am legally responsible for these accounts. This includes the absence of key records such as original contracts, ownership history, account statements, or proof of their authority to collect. Despite the lack of verification, collection activity and credit reporting may have continued. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ), including failure to validate debts and possible use of unfair or misleading practices, as well as under the Fair Credit Reporting Act ( FCRA ), particularly regarding accuracy and proper investigation of disputed information. Overall, this conduct suggests the possibility of continued collection and reporting of unverified information, which may indicate noncompliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: MI

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I am XXXX out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Someone got into my account and wire transferd XXXXXXXX XXXX out of my account, unauthoried

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was shopping on line for jewelry and come across an online selling on XXXX named XXXX XXXX XXXX in XXXX. There are XXXX people watching, bidding, buying jewelry at low prices and I was enticed to joined auction, guessing number games, free jewelry gifts by spinning wheels etc.. I was given an online receipt via XXXX messenger and I was instructed to deposit the payment through wire transfer using Wells Fargo since it is also my bank. I send multiple payments in XXXX month in different Wells Fargo ( most of the transactions ) and XXXX XXXX also here in the XXXX. They provided me with shipping information and then I realized there is no jewelry coming, the tracking number was fake and the people that are bidding online together with me are all I think are fictitious accounts on XXXX. I also messaged several people online to verify the legitimacy of the company and they are positive. It is ready late that I realized they are part of the scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: KS

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against Experian, Equifax, and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The CFPBs enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB XXXX XXXX makes clear that agencies XXXX not impose unreasonable barriers to a consumers right to dispute under 15 U.S.C. 1681i. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
The following accounts appear on my Early Warning Consumer Report. XXXX XXXX I have know knowledge of this account. I am requesting the account be Deleted from my Early Warning Consumer Report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
According to 15 U.S.C 1692C they have violated my rights by inlawful communications please remove this collection off of my credit report done in gooda faith all rights reserved Thank You :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 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: ND

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This bank, Wells Fargo Bank , National Association, is making it impossible for me to get my money. They are committing institutional discrimination against me thus have resorted to blatantly lying to me by giving me the run around to make it impossible for me to get my money. I first went to this bank on XXXX to make a large cash withdrawal and asked for a future date as most banks wont have this money, I was refused and asked to beat it and go try other banks as my reason wasnt good enough. The reason I gave was I wanted to make a business investment. The bigoted operations manager, XXXX, angrily said my reason wasnt good enough. I felt she discriminated me as a criminal thug, not a customer. I called the bank later on in the day and asked to speak to the branch manager to which he said that they would have my money for me the following week/the week of XX/XX/year> but couldnt give me an excact date so he said the operations manager would call me when my money was ready. I began calling the bank the week of XX/XX/year> as I never heard from them ; I sometimes called 3x per day and the bank would not answer my call. I went back in person on Monday or XX/XX/year> and said that under the advice of XXXX from the executive office, to please give me my money. After speaking to the operations manager, XXXX again, it is clear her hate/bigotry towards has only gotten worse. She said : its Monday, I can not order your money today, I will order it on Friday so you can pass by next week on thursday aka in 11 days to get your money. I said why dont you order it now, and with smugness and hate in her eyes she said no, she would not do that. Can you guys please help me as it is obvious my money will not be here no matter what this bank says as the discrimination and anger for me filing a complaint has made them seek vengeance by keeping my money from me The bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The CFPBs enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB Circular XXXX makes clear that agencies may not impose unreasonable barriers to a consumers right to dispute under 15 U.S.C. 1681i. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I made a payment to my PayPal credit account on XX/XX/year> for {$880.00}. A duplicate payment of {$880.00} was also processed the same day. This resulted in an overpayment of {$880.00}. I contacted PayPal on [ dates ] and requested a refund of the duplicate payment. Despite providing proof, the funds have not been returned. I am requesting a full refund of the duplicate payment back to my original payment method immediately. I do not accept a refund by check, as this was not the original payment method used. Transaction IDs : - Payment XXXX : XXXX - Payment XXXX : XXXX Supporting documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation