vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
Huntington National Bank is continuing to furnish credit reporting data on a debt that was discharged through XXXX XXXX XXXX, in a manner that violates the federal discharge injunction under 11 U.S.C. 524. The bankruptcy facts : I filed a Chapter XXXX petition on XX/XX/XXXX in the United States Bankruptcy XXXX, XXXX XXXX XXXX XXXX XXXX, Case No. XXXX. The discharge was entered on XX/XX/XXXX. The XXXX XXXX XXXX account ending in XXXX is a pre-petition debt. It was opened in XX/XX/XXXX and charged off in XX/XX/XXXX -- more than two years before the bankruptcy petition was filed. It was included in the bankruptcy schedules and XXXX through the XXXX XXXX proceeding. What the discharge injunction requires : Under 11 U.S.C. 524 ( a ) ( 2 ), the discharge operates as a permanent injunction against any act to collect, recover, or offset a discharged debt as a personal liability of the debtor. The CFPB, federal bankruptcy courts, and the FTC have consistently held that furnishing credit reporting data that implies an ongoing balance or collection obligation on a discharged debt violates this injunction. What Huntington is currently doing : More than eight months after the XX/XX/XXXX discharge, Huntington continues to furnish data on this account to Equifax that includes a frozen balance of {$460.00} appearing identically in every monthly entry in the XXXX history, a derogatory charge-off notation with no discharge notation anywhere in the record, and a blank status field that provides no indication the debt was discharged. This reporting creates the impression to any reviewing creditor or scoring model that an active, unresolved charged-off debt exists. That impression is false. The debt was discharged on XX/XX/XXXX. Huntington is required to report this account with a {$0.00} balance and a notation reflecting the discharge. Huntington 's written refusal makes this willful : In its XX/XX/XXXX response to CFPB XXXX # XXXX, Huntington stated XXXX 'no adjustments will be made to your credit profile. ' This written refusal was issued after Huntington had been notified of the dispute and after Huntington confirmed it had reviewed its own account records. Under Taggart v. Lorenzen, 587 U.S. 554 ( 2019 ), a creditor with actual knowledge of a bankruptcy discharge who affirmatively refuses in writing to correct reporting that implies a continuing personal obligation has no fair ground of doubt that its conduct violates the discharge injunction. Huntington 's written refusal is direct evidence of willful non-compliance. I have sent a separate demand letter to Huntington 's legal department citing 11 U.S.C. 524 and Taggart v. Lorenzen, giving Huntington XXXX days to submit deletion requests to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I engaged with a business called XXXX and was offered the ability to pay for services in installments. This arrangement was presented as a payment plan. At no point was it clearly or conspicuously disclosed that this would involve the opening of a line of credit through Synchrony Bank. I did not knowingly apply for, authorize, or consent to the opening of a credit account. I was not provided with clear, transparent, or understandable disclosures that would reasonably inform me that I was entering into a credit agreement. As a result, there was no informed consent to a credit product. I later began receiving notifications regarding missed payments and discovered that a credit account had been opened in my name. Given the lack of disclosure, I reasonably believed this to be unauthorized activity. Additionally, I did not receive the product or service associated with this account, yet I am being held responsible for charges and negative reporting. I made multiple attempts to contact both the merchant and Synchrony Bank. When I was able to reach Synchrony, I was advised that the issue would be resolved through the dispute process and that I should not be concerned about the impact to my credit. Despite this, my dispute was denied without a clear explanation. I requested clarification regarding how the account was opened and why my dispute was denied, but I was not provided with clear answers. I was also unable to escalate the matter and was instructed to submit a physical letter without meaningful guidance. As a result, my credit report has been significantly and negatively impacted due to reporting on an account that was not knowingly or properly authorized and for which I did not receive the underlying product or service. This situation reflects a failure of clear and conspicuous disclosure, a lack of informed consumer consent, and improper billing for goods or services not received. I am requesting a full investigation into the account opening process, including verification of any authorization and disclosure practices. I further request the correction of any inaccurate or improperly reported information associated with this account, including removal of all negative reporting, closure of the account, and written confirmation that I am not financially responsible for any balance associated with an account that was not knowingly authorized and for which no final product was received.

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been a customer with Bank of America for over XXXX years. I have a business account and a regular account and a credit card I pay almost {$300.00} in fees a year just to keep both of these accounts because I can not afford to keep as much money as they want to get free access and all I have asked for over the years are the checkbook registers I get when I go into the bank which are free and I know I may be old school but now theyre gone and Bank of America wants to charge {$3.00} for each one. This is just a rip off after all this time of doing great business with them, they make so much money from me. This is the least they could do and they have refused to send me any without this fee.

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 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
A process server hired by XXXX XXXX XXXX XXXX XXXX attempted to serve me at completely inappropriate times early in the morning when I was gone and late at night when my XXXX XXXX XXXX child and I were sleeping. Just after XXXX, and just before XXXX at night. After multiple days of harassing behavior I came out one morning to find the attached notices from the process server XXXX XXXX taped to my front door and garage door. The notices are positioning himself as a law enforcement official and are threatening.

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 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I am filing a complaint against Chime regarding a stolen IRS tax refund that was deposited into an account associated with their institution. My tax refund was issued by the Internal Revenue Service ( IRS ), but it was deposited into a Chime account that does not belong to me or was accessed fraudulently. I have contacted Chime regarding this matter, and they have refused to return the funds or properly investigate the fraudulent activity. This situation involves identity theft and unauthorized receipt of federal funds. I am requesting that Chime : Immediately investigate the account that received the refund Provide documentation regarding the deposit and account holder Return the stolen funds or cooperate with the IRS in reclaiming the refund I am also requesting that this complaint be escalated due to financial hardship caused by the loss of these funds. I can provide verification of identity, IRS documentation, and proof that the refund does not belong to the account that received it. This matter is urgent and requires immediate attention. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My wife died on XX/XX/XXXX. While going through her personal effects, I found an old uncashed check from Bank of America ( " BOA '' ) in the amount of {$210.00}, representing a credit balance refund on an old account. The check was dated XX/XX/XXXX and was valid for only XXXX days. Knowing that I could not cash a nearly XXXX old stale check, I wrote BOA on XX/XX/XXXX asking whether the check could be reissued, whether to my wife 's estate, or to me personally, as I am the executor of her will and the sole beneficiary of her estate. I enclosed copies of the check, my wife 's death certificate, and our marriage license. On XX/XX/XXXX, I wrote BOA again, enclosing copies of my XX/XX/XXXX correspondence and its attachments. On XX/XX/XXXX, BOA responded with a letter stating that the {$210.00} check was never cashed or deposited ; that the funds were deemed abandoned ; and that the money had been escheated to the XXXX XXXX XXXX pursuant to state law. BOA instructed me to contact the XXXX XXXXXXXX XXXX for remittance of the {$210.00}. On XX/XX/XXXX, I wrote the XXXX XXXXXXXX XXXX requesting {$210.00} remittance. I enclosed a copy of the correspondence from BOA. On XX/XX/XXXX, I received a response from the XXXX XXXXXXXX XXXX stating that the funds had in fact NOT been escheated to the State. The XXXX 's office instructed me to contact BOA to ask that BOA complete and submit an " Account Information '' form. Only then did I become aware that BOA 's claim that the funds had been transferred to the XXXX XXXX 's office pursuant to state law was false. On XX/XX/XXXX, I wrote BOA enclosing the Account Information form and requested its completion. On XX/XX/XXXX, I mailed a second request to BOA enclosing the Account XXXX form and requested its completion. On XX/XX/XXXX, I received a letter from BOA stating that the statute of limitations had expired and that they were refusing to remit the {$210.00} credit balance.

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 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Client Services, Inc.
State: FL

Complaint narrative:
This concerns alleged debt reference XXXX for an assumed amount of {$390.00} from a letter dated from this company XX/XX/year>. This is an official notice to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Hello, my name is XXXX, I'm writing you because of my problem with Robinhood Securities LLC, it all started on XX/XX/XXXX when I initiated a transfer from all my assets from Robinhood account to my XXXX account ( all my investments, assets ). Shortly after that I received email that my account is restricted and few days after, on XX/XX/XXXX I received email that my account will be closed due to them not being able to maintain it, and that my assets will be transfer in XXXX days. My assets got frozen right away, and since then, they removed the option to contact them/call them. The XXXX day was yesterday and I didn't get any positive feedback they will send me my money back, I have no one else to contact. I have screenshots from all correspondences from XX/XX/XXXX to XX/XX/XXXX if you need them, I m hoping to hear back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
Two unauthorized charges were made on my account : {$99.00} at XXXX XXXX XXXX XXXX ) on XX/XX/year> {$70.00} at XXXX XXXX XXXX XXXX ) on XX/XX/year> These charges were not made by me. This is not the first time funds have been withdrawn from my account without my permission. I contacted the bank to report the unauthorized charges, request a refund, and secure my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I completed a {$500.00} cash reload to my Chime account using the Chime barcode cash reload system at XXXX XXXX store # XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX. I provided a total of {$500.00} in cash to the store, which included a {$4.00} activation fee charged by the merchant. The store accepted the cash and issued a receipt for the transaction, which lists the reload product as CHIME XXXX XXXX The receipt includes the following details : Transaction # : XXXX Register : XXXX Timestamp : XX/XX/year> at XXXX XXXX Total Cash Paid : {$500.00} Despite the completion of the transaction and receipt confirmation, the {$500.00} reload never appeared in my Chime account. I reported the issue to Chime, and dispute claim # XXXX was opened. After investigation, Chime stated that their system did not receive a reload request associated with this transaction and determined that no error occurred on their end. This suggests that the reload may not have been properly transmitted or settled through the merchants cash reload processing network, even though the cash was accepted and a receipt was issued. I am requesting a full investigation of the transaction, including register logs, terminal records, and processor settlement reports associated with transaction # XXXX on the date and time listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Accounts Ending in XXXX, XXXX, and XXXX I am not satisfied with Capital Ones response. Capital One states that on XX/XX/XXXX and XX/XX/XXXX, they received notifications from a Consumer Reporting Agency indicating that I alleged accounts XXXX, XXXX, and XXXX were opened as a result of identity theft. This statement is inaccurate. I never reported these XXXX accounts to any CRA as identity theft. The only account I reported as identity theft was the XXXX XXXX card account, which Capital One ultimately confirmed was fraudulent and removed. I did not file identity theft disputes regarding accounts XXXX, XXXX, or XXXX. If Capital One is asserting that such notifications were received, I am formally requesting documentation of those alleged CRA submissions. It appears that Capital One expanded a fraud investigation beyond the XXXX account without my authorization and conducted identity theft investigations on accounts I did not dispute as fraudulent. Despite ultimately determining that these XXXX accounts were legitimate and belong to me, Capital One closed them and now refuses to reopen them. This sequence of events is contradictory and deeply concerning : I reported only the XXXX account as identity theft. Capital One confirmed the XXXX account was fraudulent and removed. Capital One investigated XXXX separate legitimate accounts that I did not report as fraudulent. Capital One determined those accounts belong to me. Capital One permanently closed those legitimate accounts anyway. If the fraud determination concluded that these accounts were valid and mine, then there is no logical fraud-based justification for their closure. Additionally, Capital Ones response relies on mailing welcome kits to addresses linked by public records and receipt of payments from my XXXX account. If they had this evidence of legitimacy, then initiating fraud-based closures and refusing reopening is inconsistent with their own findings. I am formally requesting : Documentation proving that I submitted identity theft claims through a CRA for accounts XXXX, XXXX, or XXXX. A detailed explanation of why these legitimate accounts were closed after being deemed valid. Identification of the specific Customer Agreement provision relied upon for closure. A reconsideration of reopening these accounts, as they were closed following an investigation I did not initiate. If Capital One can not provide proof that I reported these XXXX accounts as identity theft, then their response to the CFPB contains materially inaccurate statements. I am seeking transparency, correction of the record, and reinstatement of my legitimate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Select Portfolio Servicing, Inc.s handling of my loss mitigation process and the loan modification outcome offered on my mortgage. I submitted a Notice of Error and inquiries regarding loss mitigation review and escrow concerns. SPS issued a written response dated XX/XX/year>, stating that no errors occurred and presenting a permanent loan modification offer with a monthly payment of {$12000.00} beginning XX/XX/year>. The offered modification payment is unaffordable and does not resolve my financial hardship. Despite SPS acknowledging my hardship and completing a review, the proposed payment far exceeds my reasonable ability to pay on a sustainable, longterm basis. Accepting a modification with an unaffordable payment would be foreseeably unsustainable and would result in redefault. I formally notified SPS in writing that I could not accept the proposed modification due to affordability failure and requested reconsideration and evaluation of additional homeretention options that result in an affordable payment. SPSs response appears to focus on investor recovery rather than sustainability and does not explain why no alternative affordable modification structures ( such as principal forbearance, additional term extension, or escrow adjustments where permitted ) were considered or offered. The outcome does not meet the stated purpose of loss mitigation, which is to provide a viable solution that resolves the borrowers hardship. I believe SPS failed to provide a meaningful affordable loss mitigation option and failed to adequately consider whether the proposed modification is sustainable under my documented financial circumstances. I am requesting CFPB assistance to ensure SPS conducts a goodfaith loss mitigation review and considers all reasonable, investorpermitted options that result in an affordable mortgage payment. I am requesting that Select Portfolio Servicing, Inc. : Notice of Error mailed : XX/XX/year> Notice of Error delivered : XX/XX/year> SPS response / modification offer dated : XX/XX/year> Proposed modification first payment date : XX/XX/year> Modification acceptance deadline : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I returned an item exactly as instructed and shipped it to the return address provided by PayPal/the merchant. I paid {$65.00} for international shipping and provided the tracking number within the case. The tracking confirms the item was delivered to the correct address in XXXX, XXXX ( XXXX XXXX ). PayPal denied my dispute multiple times claiming there was no proof of shipment, even though valid tracking and delivery confirmation were submitted. As a result, I lost {$170.00} for the item and {$65.00} for return shipping despite fulfilling all return requirements. I am requesting reimbursement and a proper manual review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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:
In XXXX I discovered XXXX had a card through capital one so I applied turned auto pay on to make payments to my XXXX account through a capital one tmobile card. Turned on auto pay from my XXXX account to the capital one app which I had my card linked WITH AUTOPAY, I thought I was making payments and in XXXX I noticed the credit was about to reach the limit so I paid the entire amount. I was negligent of the late fees until I saw my credit score decline on XXXX.

Company response to consumer: Closed with monetary relief