vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX, I'm a customer of TD Bank and I've been having issues to receive the money from a wire transfer sended into my checking account. On XX/XX/XXXX, I did make a wire transfer using XXXX from my personal account in XXXX to my personal account in the XXXX. I used this system several times before in both directions ( XXXX to XXXX, and XXXX to XXXX ). On XX/XX/XXXX, I did receive the email/notification that the transfer arrived in my account and the bank is processing the transfer, but the money never arrived to the account. I've been several times at the office and contacted with customer service via phone call, without having a clear explanation about the issue and where is the money. TD Bank representative said that there is a notification on XX/XX/XXXX about the wire transfer was received into my Bank account, but it doesn't mean that the money really arrived?? Also said that the transfer it is on hold by the Federal Reserve and they can't do nothing. The person responsible of the Wire Transfers department, told me literally to contact with the Federal Bank by myself??? and ask about the issue. I did contact the Federal Bank Information Center but they said to me that is TD Bank who need to contact them and provide the information or verify that the transfer/money source is legit. I would like to ask for the steps I must follow, since I only received a lack of interest by the TD Bank representatives and the only answer is that they don't know what happened or how to proceed, just wait.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I am responding to a complaint I previously submitted - XXXX. The company 's reply did not address my question. The background is, in XXXX of XXXX I submitted my HOA flood insurance to the mortgage company ( XXXX Mortgage ) - the insurance had a XXXX, XXXX renewal date. There was no lapse in coverage from when the previous policy expired to the new issue date. However, Roundpoint Mortgage would not accept the policy. They told me the policy was not acceptable but would not explain to me why the policy was not acceptable. They ended up taking out a XXXX policy that I had to pay for. I worked with my HOA to secure a different HOA flood policy for the HOA but this took a few months. During that time, I had to pay the insurance Roundpoint Mortgage took out as well as the HOA insurance, so I had duplicate coverage I did not need and had to pay for. I submitted a prior request to the company asking why they would not accept the original insurance. The companyreplied : " We understand your concern that documentation was submitted in XX/XX/year> and that you requested clarification regarding why the policy was not accepted. Upon review, we did not identify any specific determination that the policy submitted at that time was insufficient. '' If they didn't identify any reason for the policy to be insufficient, then why did they take out a second policy on my behalf and deny my original policy? I would like this question answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: UT

Complaint narrative:
An account was created recently without my knowledge or consent. A card randomly appeared in the mail XXXX day and I would like to dispute this. I have called the issuer to close my account immediately and have since shredded and disposed of this card. I am also disputing this with the other major credit lenders as it has hit my report on all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: FL

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 2026-04-15 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: IL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: KS

Complaint narrative:
I am filing this complaint due to deceptive marketing practices regarding the Fidelity Rewards Visa Signature card. On or about XX/XX/year> I applied for this card based on a specific promotional offer of XXXX % APR for XXXX months on balance transfers and {$0.00} balance transfer fees. Upon receiving and activating the card on on or about XX/XX/year>, I attempted to utilize the offer. However, the online portal and customer service representatives informed me that my account is coded with a XXXX XXXX APR and a XXXX % balance transfer fee. I have contacted customer service at XXXX XXXX XXXX to resolve this discrepancy. Despite being a new account holder with high creditworthiness, I was told that the promotional terms I accepted at the time of application could not be honored or " found. '' This constitutes a classic " bait and switch '' soliciting an application under one set of favorable terms and delivering a product with significantly higher costs and interest rates. I am requesting that Elan Financial Services honor the original promotional offer as advertised : Apply a XXXX % Introductory APR to my balance transfers for the XXXX duration. Waive the XXXX % balance transfer fee ( set to {$0.00} as promised ). Provide written confirmation that these terms have been successfully applied to my account before I proceed with the transfer.

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 2026-04-15 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: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I am a customer of a digital brokerage platform ( Name : RobinHood Securities LLC ) ( Case ID : XXXX ). On XX/XX/XXXX, the company closed my account following a series of cancelled withdrawal attempts. I have since verified my identity and successfully liquidated all assets, including fractional shares. My account now holds XXXX securities and has XXXX pending deposits. All funds have been fully settled for over XXXX days. On XX/XX/XXXX, I spoke with a representative who confirmed my funds are settled and belong to me. However, the company is now refusing to release my funds via standard transfer. Instead, they have placed me in a 'Return to Source ' queue which they state can take XXXX to XXXX days. This delay is unnecessary as there are no active bank disputes. I am currently facing immediate financial hardship with credit card and EMI payments due. Withholding my settled property without cause is causing me direct financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am following up on my complaint regarding restricted access to my XXXX services and lack of resolution from Wells Fargo. Since filing this complaint, I have made multiple attempts to resolve the issue directly with Wells Fargo and XXXX. I continue to be directed back and forth between the bank and XXXX without clear answers or resolution. Wells Fargo has stated there is nothing they can do, while XXXX has confirmed that any restriction must be handled by the bank. As a result, I am unable to access XXXX services and have not been given a clear explanation, timeline, or resolution path. I am requesting that Wells Fargo provide a clear explanation of : The reason for the restriction Whether this is a bank-level or network-level XXXX restriction What steps are being taken to resolve it A specific timeline for restoring access At this time, I am unable to access services tied to my account and have not received consistent or transparent communication. I am requesting assistance in obtaining a clear and timely resolution. I would also like clarification on whether this restriction was initiated by Wells Fargo or triggered by another financial institution, such as XXXX XXXX XXXXXXXX, so I can understand the source of the issue and how it is being resolved. Thank you for your assistance 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 2026-04-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2026-04-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Chase Sapphire XXXX sign-up bonus not honored. I am filing this complaint because Chase failed to honor the XXXX-point sign-up bonus associated with my Chase Sapphire XXXX application . I applied for the Chase Sapphire XXXX card in XXXX XXXX XXXXXXXX during a XXXXpoint bonus promotion. After submitting the application, I did not hear back from Chase. When I eventually called, I was told that Chase had mailed me a letter requesting additional information, but I never received that letter. Rather than allowing me to complete the application process, the application was allowed to lapse. When I called again, I was told that the application had been submitted during a XXXX-point promotion, but I was also assured that Chase would honor the XXXX-point bonus because of the circumstances. I was told a note was placed on my account confirming that representation. Over a year has now passed, and I have made multiple attempts through different channels to resolve this issue. I recently received a letter from Chase stating that they would not provide the additional XXXX points and that I signed up during the XXXX-point promotional period. I understand that Chase is now relying on that position, but it conflicts with what I was previously told and with my understanding that I applied during the XXXX-point bonus period. I am requesting that Chase honor the original XXXX-point sign-up bonus or provide the missing XXXX points that were promised to me. I also request a review of the account notes and any records showing the prior assurance I received from Chase representatives. Moreover, I am a long time Chase member. I have been using their banking and credit cards for over a decade. Normally, Chase has provided exceptional customer service, however in this case, I am extremely disappointed to have to resort to this formal complaint. You can reference ticket number : XXXX on XX/XX/XXXX And XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I have been contacted by Radius Global multiple times regarding the alleged debt. Each time, I promptly responded and updated my address, phone number, and all contact information to ensure they could reach me. Multiple times, I requested the original signed contract as proof of this debt, but I never received it. I have also attempted to dispute this debt several times through the credit bureaus, but each time I was denied. I am now choosing to take further action in hopes to resolve this.

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 2026-04-15 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: MA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREDIT MANAG is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAG 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: FL

Complaint narrative:
Subject : Complaint Federal Student Loan TPD Discharge Mismanagement ( MOHELA / XXXX ) I am submitting a complaint regarding the mismanagement of my XXXX XXXX XXXX XXXXXXXX ( XXXX ) discharge under the U.S. Department of Education. I am a 100 % XXXX veteran approved for XXXX discharge on XX/XX/year>. My loans were XXXX without my consent. Upon discovery, I contacted XXXX and requested a reversal. On XX/XX/year>, XXXX confirmed in writing that the discharge was reversed and my loans were reinstated. MOHELA failed to execute or reflect this reinstatement properly. My loans were subsequently placed into repayment, marked delinquent, and are now causing financial and credit harm. I have filed a complaint with Federal Student Aid ( Case # XXXX ), but this situation reflects a breakdown in federal servicing coordination and potential regulatory noncompliance. This issue involves : Unauthorized discharge processing Failure to execute confirmed reinstatement Improper loan status and delinquency reporting Financial and credit harm to a XXXX veteran I request an investigation into MOHELAs handling of XXXX discharge processes and coordination with Federal Student Aid.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding funds in the amount of {$1900.00} that were removed from my account on XX/XX/year>, without prior notice. Navy Federal withdrew these funds from my account to satisfy a charged-off debt. The funds taken were from my tax refund, which I was relying on for essential living expenses, including housing, utilities, and care for my child. This action has caused immediate financial hardship and has significantly impacted my ability to meet basic needs. I was not aware that these funds would be taken at that time, and I was not given any advance notice to prepare for this withdrawal. While I understand that financial institutions may have policies regarding offset, I believe the manner in which this was executed was unfair and lacked reasonable notice. I was not aware that my account was subject to immediate offset at the time these funds were deposited, nor was I informed that the full amount would be withdrawn. I respectfully request that Navy Federal review this matter and consider providing a full refund, or at minimum a 75 % partial refund, due to the financial hardship this has caused. I am willing to work with the credit union to resolve the outstanding balance through a reasonable payment arrangement. However, I urgently need assistance in recovering a portion of these funds to maintain financial stability. I attempted to resolve this matter directly with Navy Federal, but the issue remains unresolved. I am now seeking further review and assistance through the Consumer Financial Protection Bureau complaint process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief