vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am submitting a complaint regarding TD Banks handling of my account, including unresolved fraud-related issues and repeated service failures. On or about XX/XX/year>, TD Bank indicated that a replacement debit card was mailed to me. I never received this card. On XX/XX/year>, after discovering fraudulent activity on my account, I visited a TD Bank branch and completed an Affidavit of XXXX. At that time, I was informed by a supervisor that a new debit card would be issued and mailed to me. As of XX/XX/year>, I still have not received a debit card. When I followed up at the branch, I was informed that the card previously referenced had never actually been ordered or mailed. In addition, my account was impacted by fraudulent activity, including : - An unauthorized withdrawal of {$1300.00} ( later partially credited after investigation approval ) - XXXX additional unauthorized debit card transactions ( {$72.00} and {$29.00} ) that have not been fully resolved or properly documented in the dispute system Although TD Bank approved the primary fraud claim, I am still experiencing unresolved issues, including : - A remaining {$30.00} balance resulting from fraud-related account activity - Lack of clarity and inconsistent responses regarding the {$72.00} and {$29.00} unauthorized transactions - No confirmation that all disputes were properly opened or investigated - Failure to provide clear explanations or documentation upon request Despite multiple attempts to resolve these issues directly with the bank, I have not received consistent or complete information regarding my claim status or the handling of these transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE INQUIRIES ARE ERRONEOUS AND DO NOT REPRESENT ANY AUTHORIZED OR VALID CREDIT ACTIVITY ON MY PART. I DID NOT GRANT PERMISSION FOR THESE ACCESS EVENTS, AND THEIR INCLUSION ON MY CREDIT REPORT IS UNJUSTLY AFFECTING MY CREDIT STANDING. I AM FORMALLY CHALLENGING THESE ENTRIES AND DEMAND A DETAILED REVIEW AND PROPER AUTHENTICATION. IF THEY CAN NOT BE SUBSTANTIATED WITH ADEQUATE DOCUMENTATION, THEY MUST BE REMOVED PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed on XX/XX/year> a fraud account on my credit report due to identity theft The COLLECTION ACCOUNT is XXXX XXXX XXXX XXXX ENDING XXXX in amount of approximately {$2400.00}. I never lived here. I have sent proof of identity ( copy of social security XXXX ) dispute form, a statement that the information on my report does not relate to me. And a copy of my ftc report. I sent these documents on XX/XX/year> and received confirmation they received it on XX/XX/year>. XXXX letter confirmation # XXXX. Letter confirmation # XXXX. They refused to place identity theft block and remove this account. Closing investigation even after receiving ftc report and my statement of identity theft. Under the FCRA accounts need to be blocked within XXXX days after receiving required documentation. It has been past the XXXX days and they are refusing to delete this account from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: PA

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a complete and comprehensive description of the reinvestigation procedures used to verify disputed information upon a consumers request. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period required by law, which constitutes a clear and direct violation of my rights under the FCRA.

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 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I tried to open an account with PayPal so I could receive my money from the sale of my XXXX because I needed the money. But they required me to verify my identity. I tried to, but then they locked my account permanently and said they wouldnt release my money for up to XXXX days. I needed that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm filing this complaint regarding an inaccurate XXXX account being reported by XXXX XXXX XXXX XXXX XXXX in the amount of {$270.00}. This debt is invalid and does not belong to us. On XX/XX/year>, we sent a formal written dispute directly to XXXX XXXX XXXX XXXX XXXX clearly explaining that : 1. XXXX services were never properly activated or rendered, 2. The account was canceled within the 30-days trial period, and 3. All equipment was returned as instructed. USPS tracking confirms that this dispute was successfully delivered. Despite this, XXXX XXXX XXXX XXXX XXXX has failed to provide any written response or validation of the alleged debt. Nevertheless, this account continues to be reported to the credit bureaus, which is a violation of the Fair Credit Reporting Act ( FCRA ). The credit bureaus have also failed to ensure that the information being reported is accurate and verifiable because : 1. The debt is disputed, 2. No validation has been provided, and 3. The furnisher has failed to respond, this account is unverified and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A.
State: NC

Complaint narrative:
b"My father passed away leaving his home to myself his son, Charles Finch. I let the bank know he had passed and they gave me a small modification by about XXXX dollars less a month on the payment. He had his home paid in full but borrowed money off of that within rhe last XXXX yrs. I went through some personal grief as my XXXX yr old passed away and XXXX weeks after I was struck by a car as a pedestrian and hospitalized for several weeks. Once I got out of the hospital I see some people working on the floor and asked who they were...they informed me the home had been foreclosed on exactly XXXX XXXX XXXX. I was never given notice of foreclosure or given an eviction notice but within those several weeks my.locks have been changed and all of my possessions in the home were trashed or taken somewhere and I've been given no answer for it. The clerk of courts has no record of foreclosure either so I'm writing for belp. The police of conover NC have been not much help and basically said they don't know what's going on...Due process is mandatory from what I understand so where is that due process. I was intending to contact loan provider and let them XXXX) know I wanted to file a hardship notice for the situation I'm in and wheelchair bound from car accident. I have XXXX broken arms one broken leg one broken foot and a permanent titanium plate in my pelvis after hemoraging and bad break in pelvis. I most likely will receive a lumpsum of money shortly and intend to payoff the loan my father took on the home he left me but they've changed my locks and no foreclosure notice no eviction notice has been served ever.....a couple week hospital stay shouldn't allow this type of action . Please contact me with any questions at XXXX or XXXX XXXX XXXX. Thank you for your help as I am sure this can't be a legal foreclosure and eviction process as I've never been served any notice at all ...just came home wheelchair bound to find all I've ever owned has been taken away in weeks. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
This company keeps hanging spending limits due to locked card resulting in payment failure. I unlocked the card and paid off the balance, and they lowered my available to spend amount by $ XXXX. I do not wish to use this service anymore, but when I attempt to close the account they refuse to do so. They are not allowed to refuse account closure for an account that is paid up with XXXX balance and no pending transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2026-05-07 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: OneMain Finance Corporation
State: VA

Complaint narrative:
my loan was with XXXX main I was forced to include additional add on services I could not use or need.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted the bank today about a hold that shouldnt have been placed on my account. They said XXXX that I had overdraft I dont have overdraft protection into. I had return checks. I told them that I only use that account to send money to my landlord and to send money to family members I dont use that account for anything else for this reason they are very unprofessional very rude and I told them to close my account and they said theyre gon na mail a check and I said youre gon na mail a check for that amount of money thats ridiculous.

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 2026-05-07 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 cancelled my XXXX XXXX card in XXXX. They are refusing to refund my overpayment of {$550.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing a complaint regarding the handling of my checking account and overdraft fees by JPMorgan Chase Bank. During XXXX week, I spoke with multiple Chase representatives and was repeatedly informed that my accounts were going to be closed with no reason given. I was advised to pull all of my money out before I lost access to it. The first number I called was provided to me when my mobile app was locked ( XXXX ). Because the representative couldn't give me specific information, I thought it might be a scam so I hung up. I called Chase back using the number from their website. I was told the exact same thing. I was also transferred to a supervisor who told me the same thing. Based on those conversations and the instructions I was given, I removed my funds from the account as directed. After doing so, several automatic payments continued to process against the account, resulting in a total of XXXX overdraft fees. The following week, I visited a Chase branch in person to explain that these overdraft fees occurred only because I acted based on the information provided to me by Chase representatives. During that visit, XXXX of the XXXX overdraft fees were removed. However, Chase is now refusing to remove the remaining overdraft fees and is claiming there is no documentation supporting the prior conversations I had with their representatives, despite the fact that I relied on the information provided to me at the time. I have made multiple attempts to resolve this issue through customer service and in person at a branch. I have been given conflicting information repeatedly, and I no longer trust verbal assurances from Chase representatives. I requested that this matter be handled in writing, but I am being told to call customer service again. I am willing to immediately pay the legitimate balance owed on the account once the remaining overdraft fees caused by this situation are removed. However, I do not believe I should be responsible for overdraft fees that resulted from inaccurate guidance provided by Chase employees. I am requesting : XXXX. Removal of the remaining overdraft fees related to this matter XXXX. A formal review of the account history and prior customer service interactions XXXX. Written confirmation of the resolution XXXX. Clarification regarding why customers are being instructed to take actions that later result in fees without proper documentation of those conversations

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My husband had a debt and our joint account was frozen by Capital One Bank. The judge signed an order for our funds to be released well over XXXX weeks ago. The judges office has faxed the signed order to Capitol One bank XXXX times and they have also mailed Capitol One bank a copy. We have a made several phone calls to Capitol One bank pleading to release our funds and the funds still have not been released. Each time we have called, we spoke to a XXXX who says they can not verify the signed order has been received because there is another department who would receive and process it and the XXXX said they can not contact that department. We have confirmed with the judges office that each fax transmittal has confirmed receipt. My husband was told yesterday my a XXXX that I see the problem and that he will fix it and our finds would be released within XXXX days. The finds still havent been released. My husband called again and this XXXX said she did not see anything in the notes, which is the same response we have initially been receiving. We are in dire financial circumstances and no matter what we say or what we do, they still wont release our funds. They just give the same answerI dont see anything in your notes. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am under contract, with XXXX XXXX XXXX, for a house that is new construction. My financing is with XXXX and advised in XXXX, that they would hold my XXXX XXXX interest rate until the house was ready, as it is new construction. It's now XXXX, and the house is still not ready. However, XXXX has advised that Bank of America can no longer hold my interest rate. What are my options, because it seems like XXXX is failing to hold their part of the agreement. Also XXXX XXXX still hasn't finished the property after XXXX years.

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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On my Bank of America XXXX XXXX credit card ending in XXXX, I have an earned balance of XXXX rewards points, which holds a cash equivalent value of {$940.00}. Bank of America unilaterally closed this account on XX/XX/year>. I have paid my balance in full every month and have absolutely no history of adverse actions, missed payments, or misconduct on this account. Bank of America is now refusing to pay out the earned rewards. According to the CFPB 's Circular 2024-07, this is a UDAAP violation. The Circular explicitly identifies the following as an unfair practice : 'Revoking previously earned rewards based on policies that tie revocation to actions that are not within the consumers control and do not constitute fraud or misconduct by the consumer, like an issuer unilaterally closing an account. ' Furthermore, Bank of America is retaining a {$95.00} annual fee. Because they unilaterally terminated the 12-month service agreement 69 days early without cause, I am owed a pro-rated refund of {$17.00}. Retaining an upfront fee for services the bank refuses to provide constitutes an additional unfair and deceptive practice under the same UDAAP standards, as it causes a substantial, unavoidable injury to the consumer.

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 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CT

Complaint narrative:
I attended XXXX and XXXX XXXX from approximately XXXX to XXXX and enrolled based on representations made by admissions and/or recruiting staff regarding employment opportunities after graduation. During the enrollment process, I was led to believe that completing the program would provide strong job placement opportunities and assistance obtaining employment in the field. These representations significantly influenced my decision to enroll and take out federal XXXX XXXX student loans. Based on the information provided by the school, I believed the program would lead to meaningful employment opportunities sufficient to justify the debt incurred. After completing the program, the employment outcomes and opportunities represented during enrollment did not materialize as expected. I was unable to obtain the type of employment that had been represented to me during the admissions process. Had I known the true nature of the job prospects and outcomes associated with the program, I would not have enrolled or agreed to take on these federal student loans. I previously submitted a XXXX XXXX application in XXXX, and my claim remains pending. I am requesting review of the prolonged processing delay and the status of my application.

Company response to consumer: Untimely response