vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Unauthorized ACH Holds and Payment Discrepancies I am submitting this follow-up complaint regarding ongoing issues with my account involving unauthorized ACH holds, duplicate payment processing, and discrepancies in credited payments. On XX/XX/2026, my account shows multiple ACH HOLD transactions, including : {$52.00} ( XXXX XXXX Payment ) listed twice as processing {$7.00} ( XXXX transfer ) placed on hold These transactions are currently reducing my available balance despite being listed as processing, creating confusion and restricting access to my funds. Additionally, my payment history reflects inconsistencies. A {$52.00} payment processed on XX/XX/2026 is listed under XXXX XXXX XXXX, but current account activity suggests duplicate or overlapping holds tied to similar payment amounts. This raises concern that I may be charged more than once or that funds are being unnecessarily withheld. I am requesting the following : Immediate clarification on why duplicate ACH holds of {$52.00} are present Confirmation that I will not be charged twice for the same payment Release of any unnecessary or excessive holds on my account A full audit of my recent transactions to ensure accuracy and prevent further financial disruption This situation is impacting my ability to access and manage my money. I expect a prompt resolution and a detailed explanation of these discrepancies. If this matter is not resolved quickly, I am prepared to escalate further, including additional regulatory complaints.

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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/year>, I was scammed by someone pretending to be XXXX. My computer had a virus, and I was instructed to contact XXXX to unlock the computer. They had me send money, {$490.00}, through Zelle to someone by the name of XXXX XXXX. I contacted my bank immediately on XX/XX/year>, and they temporarily reversed the transaction. However, they then reversed it and the money was taken back out of my account. XXXX stated that since I " authorized '' the transaction, there was nothing else they or I could do. I complied with all of their requests and filed a police report and a complaint with the FBI cybercrimes division. They refuse to return the money even though I provided all of the details and was clearly the victim of a sophisticated scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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:
Blatant discrimination by the operations XXXX XXXX. She did not want to help in any way to give me my money or arrange a date to get my money. She treated me like a criminal who was there to steal, even though its my money and not hers and kicked me out. She profiled me, everyone else was nice except her. She asked why I wanted my money- I told her it was for a business investment ; and then she asked me for a business plan, I told her I do not discuss the details of my business plan and that she was going too far in asking for it. If I was white, I bet my nusiness investment answer would have been enough but since XXXX XXXX, she totally discriminated me. She was very unprofessional This occured at the wells fargo branch 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 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Orion Capital Solutions LLC
State: OH

Complaint narrative:
Orion Capital Solutions is the debt collector. They are attempting to collect on an XXXX from a company I once owned, XXXX XXXX XXXX XXXX XXXX. I was the sole owner of the business and it dissolved in XX/XX/XXXX. A XXXX XXXX has been contacting myself, my girfiend, my brothers and my children regarding the debt. All of thes epeople are completely unrelated to the debt. I told XXXX XXXX on XX/XX/XXXX to cease and dissist or I will follow a telelcommunications harrrassment complaint. Didn't take him longer than XXXX hour and he contacted me again. My only communication with them is that if they have a claim, substantiate to file a lawsuit. Otherwise, the communications is unwarranted and harrassing. I have all of the call logs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
" I attempted to resolve a billing error on XX/XX/year>. Citi AAdvantage charged a {$99.00} fee on XX/XX/XXXX, which pushed my account over its limit. They reported this to Experian by XX/XX/XXXX, before I had a chance to pay. I have had this Credit Card for over 10 years. I have always paid on time and usually I am paying two payments a month.When I called Citi, agent XXXX refused to provide a last name, Employee IDs or reference number for the call and told me a supervisor was 'too busy mentoring employees ' to speak with me. I am requesting an immediate reversal of the fee and an off-cycle credit report update. ''

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 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am disputing a rental collection account being reported by a collection agency on behalf of a former apartment complex. I vacated the property on or about XX/XX/year>, after receiving notice that possession would be taken. At that time, I was approximately one month behind, including applicable feesnot the amount currently being reported. I never received a final itemized statement, move-out charges, or any documentation explaining the balance now being claimed, which exceeds {$10000.00}. I returned all keys, including a follow-up return after being advised they were not initially received. I was later informed that the account was closed. After the account appeared in collections, I requested full validation from the collection agency, including an itemized ledger and supporting documentation. I did not receive any response. Despite this, the account continues to be reported on my credit file. This debt is unverified, inaccurate, and unsupported. Reporting a collection account without providing validation or documentation is improper. I am requesting that this account be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am a property owner and named payee on insurance proceeds related to damage to my home. The mortgage servicer, Fifth Third Bank, has retained these funds without disbursement since XX/XX/XXXX despite my full compliance with all requirements. Timeline of events : XX/XX/XXXX : Initial insurance check issued following approved claim XXXX XXXX : Servicer required reissuance of check including mortgage holder XX/XX/XXXX : Reissued check provided with required endorsements XXXX XXXX : Insurance adjuster documentation submitted multiple times at servicer request Affidavit required by servicer completed and returned Despite this, Fifth Third Bank has : Failed to release any funds Failed to provide a clear disbursement process Failed to assign a point of contact Repeatedly transferred calls without resolution or escalation I have spent extensive time attempting to resolve this, including calls lasting over an hour with multiple transfers and no outcome. Meanwhile, the property continues to suffer active water intrusion during rainfall, resulting in worsening structural damage. The servicers delay is directly contributing to increased loss and repair costs. I am requesting immediate intervention requiring Fifth Third Bank to either release the insurance proceeds or provide a clear, enforceable timeline and process for disbursement so repairs can begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I am filing this complaint regarding a collection account reported by Online Information Services on my credit file, originally from XXXX XXXX, in the amount of {$1900.00}. On or about XX/XX/XXXX, I disputed this account with the credit bureau due to concerns about accuracy and completeness. The account was marked as verified, and the investigation was closed without any corrections being made. As of XX/XX/XXXX, the account continues to report inaccurate and incomplete information. Specifically, the account contains multiple invalid date fields, which indicates a failure to properly report required data elements under XXXX XXXX reporting standards. Additionally, this account is being reported under a name that does not reflect my current legal name. The use of a prior or incorrect name further calls into question the accuracy and proper identification of this account. Despite these clear inaccuracies, the account was verified without correction. This raises serious concerns that a reasonable investigation was not conducted as required under the Fair Credit Reporting Act ( FCRA 611 ). The account also lacks sufficient documentation and reporting consistency, including the absence of proper payment history and complete account details, which calls into question the validity of the reporting. Because this account is inaccurate, incomplete, and unverifiable, it should not be reported on my credit file. I am requesting : 1. Immediate deletion of this account from my credit report 2. Documentation of the method of verification used during the investigation 3. Copies of any documentation supporting the accuracy of this account, including the original agreement and full account history If this matter is not corrected, I will pursue further action for continued reporting of inaccurate information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: FL

Complaint narrative:
I was hacked. Someone from over seas got a XXXX school loan from Ed Finincial to XXXX XXXX XXXX. A burner phone was used. Fake emails. I have made police report. 3 State of Florida reports. This has been XXXX yrs now. Everytime I fill out a form they want something else. I proved it wasn't me that is not enough. The local police dept has asked for the orninial form as I have also. They have not supplied it. The person has never attended class. I'm retired goverment. I did not do this. I need help for it to stop. I have requested and requested all I have sent all the University received and the form. XXXX but they keep sending me new stuff they want. It doesn't stop! Now they have been hacked. Who know who has my information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I became the subject of a wire transfer investigation conducted by Capital One after receiving a wire transfer into amount of {$17000.00} into my account. Shortly after the investigation began, Capital One froze my account, preventing me from accessing my funds. This restriction remained in place for several months, causing significant disruption. Eventually, Capital One lifted the freeze on one of my accounts, but continued to restrict the account into which the wire transfer was deposited. From the beginning of the investigation, I made multiple attempts to obtain updates by calling customer service and visiting the bank in person. On each occasion, I was informed that Capital One had contacted the senders bank and was waiting for a response. However, when I contacted the sender directly, they confirmed that their bank had not received any communication, request, or inquiry from Capital One regarding the wire transfer. This created ongoing confusion and concern, as there appeared to be no verifiable communication between the XXXX financial institutions despite repeated claims from Capital One. This situation continued for several months without resolution. In XX/XX/XXXX, Capital One informed me that they had withdrawn the wire funds from my account and were in the process of returning the funds to the sender. However, they also stated that they were still attempting to contact the receiving/sender bank XXXX XXXX XXXX XXXX XXXX XXXX, and that they had not received a response. When I followed up with the sender, they advised that their bank had actively attempted to contact Capital One to retrieve the funds, but Capital One had not responded to those requests either. As of today, nearly XXXX XXXX later, this matter remains unresolved. There has been no clear evidence provided that effective communication occurred between Capital One and XXXX XXXX, and no documentation has been shared with me regarding any wire trace, recall request, or XXXX messages. Each time I request clarification or ask to speak with a supervisor or the wire investigation department, I am given the same response that internal notes only are available and no additional information can be provided. This has resulted in prolonged inability to access or resolve my funds, lack of transparency, and no meaningful progress despite repeated follow-ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Select Management Resources, LLC
State: VA

Complaint narrative:
My vehicle was repossessed and sold at auction in XX/XX/year>. I received a letter dated XX/XX/year>, from Select Management Resources , LLC stating that surplus ( overage ) funds were available and instructing me to contact them to request payment. I contacted the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> to request my payment and status updates. Despite these efforts, I have not received my funds. During my most recent call, I was incorrectly told this was my first time contacting the company, and I was informed that the check had not yet been issued. The company has failed to remit the surplus funds within a reasonable timeframe and has not provided clear or consistent information regarding payment. I am requesting immediate release of the funds owed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I tried to call Marcus by Goldman Sachs at the provided customer service number on XX/XX/year>. I answered every question that was asked of me ( XXXX, birth date, etc. ), but did not recall setting the " secret word '' they were asking for. The representative proceeded to tell me that without that word, there was NO OTHER MEANS to reset my account or access my funds meaning I was permanently locked out of my funds. I asked to escalate to a manager or IT support representative multiple times and he simply said I had to call back when I remembered the word. When I tried to explain how that was a dead end and not acceptable given I was never going to remember the word, he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding an insurance product called Account XXXX that was added to my financed account without clear and informed consent. The company claims that I accepted this product through their application ; however, I do not recall being clearly informed about the nature of this insurance, its total cost, or that it would be financed and included in my balance. Although charges appear on my statements, they were not presented in a clear and understandable way. My payments were set on automatic withdrawal, and I reasonably believed I was paying only my regular account balance. I later discovered that this insurance was not only added, but also financed over time, potentially including additional costs that were not clearly disclosed at the time of enrollment. I have contacted both the financial institution and the insurance provider multiple times, but they continue to insist that I am responsible based solely on app acceptance, without providing clear evidence of informed consent or proper disclosure. I am requesting the following : 1. Immediate cancellation of the Account XXXX insurance product 2. Full removal of all charges related to this insurance 3. Adjustment of my account balance to reflect only legitimate charges 4. Documentation showing how and when clear and informed consent was obtained I believe this situation involves a lack of transparency and potentially deceptive practices. I respectfully request a full investigation into this matter. The companies involved are comenity - XXXX XXXX furniture and account assure Sincerely, [ XXXX ]

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, my Cash App account was deactivated following an interrupted identity verification process. While I was attempting to verify my identity during a dispute, I was physically unwell and had to step away to locate my government-issued ID. Because I exited the screen before completion, the automated system flagged my account and subsequently denied my appeal. I have contacted customer support via phone and chat multiple times, including speaking with a supervisor today. I informed them that I now have my physical Government ID and SSN ready for a manual review, but they stated they are unable to reverse the automated decision or provide a way for me to submit my documents. I have been a loyal user for years and this closure is the result of a technical timeout/misunderstanding, not a violation of policy. I am seeking a manual identity review to restore my account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: NC

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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief