vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: MD

Complaint narrative:
I am filing a formal complaint regarding multiple alleged debts that I dispute and have not been properly validated. I was contacted by a third-party debt collector, TrueAccord, regarding an alleged debt associated with a XXXX ( XXXX XXXX ) account now claimed to be owned by XXXX XXXX XXXX XXXX XXXX. I formally disputed this debt and requested validation, including proof of my legal obligation and a complete chain of custody. Instead of providing validation, XXXX stated they were no longer servicing the account and returned it to XXXX XXXX XXXX XXXX XXXX. I have not received any documentation verifying this debt. Additionally, I am disputing alleged debts associated with XXXX XXXX and XXXX XXXX. I have not been provided with sufficient proof that I am legally obligated to pay these debts, nor have I received : Any signed contract or agreement A complete chain of custody of the debt ( s ) Proof that the companies have legal authority to collect These debts remain unverified, yet they may still be reported or pursued. Furthermore, in a separate matter, I am currently involved in a lawsuit related to an alleged debt. The court denied a request for judgment due to insufficient service, specifically noting that service was made on an individual other than myself at an address not listed on the complaint. This raises additional concerns regarding improper debt collection practices and failure to follow legal procedures. I am concerned that debts are being pursued against me without proper verification, documentation, or compliance with applicable laws. I am requesting that : 1. Full validation of all alleged debts be provided, including contracts and chain of custody ; or 2. All collection efforts cease and any related accounts be removed from my credit report if the debts can not be properly verified I am also requesting enforcement of my rights under the Fair Debt Collection Practices Act ( FDCPA ), as I have formally disputed these debts and have not received proper validation. I have attached documentation of my dispute communications and responses received. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/year>, before closing my American Express account, I redeemed Membership Rewards points for three XXXX digital gift cards in the amounts of {$25.00}, {$50.00}, and {$100.00}. American Express deducted XXXX points, XXXX points, and XXXX points for those redemptions. After the points were deducted, American Express sent me an email stating, You have a Digital Gift Card thats ready to use, and provided a button to access the gift cards. That communication reasonably represented that the gift cards had already been delivered and were ready for use. In reality, after my account was closed, the access link did not provide the gift cards. Instead, it redirected me to my closed American Express account and displayed a message that I was not enrolled in rewards program. As a result, I was unable to access or use the gift cards at all. I contacted American Express multiple times to request access to the already redeemed gift cards or a resolution. American Express refused to provide relief. This is not a dispute about unredeemed rewards. It is a complaint that American Express accepted the redemption, deducted my points, represented that the gift cards were ready to use, but failed to actually deliver the redeemed rewards in an accessible form. I request delivery of the three redeemed XXXX digital gift cards, or restoration of the equivalent Membership Rewards points or value.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: ND

Complaint narrative:
I am filing a complaint against Chime regarding the handling of multiple disputed transactions on my account. I reported a total of XXXX transactions ( totaling {$320.00} ) that I believe were unauthorized or not properly verified. These transactions were processed through third-party payment processors, including XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX. I have had this Chime account for nearly a year, and I did not have any issues with similar transactions prior to this. These charges began suddenly around XX/XX/XXXX and XX/XX/XXXX, which is unusual compared to my normal account activity. Chime denied my initial dispute involving XXXX transactions and has not provided a clear or detailed explanation of how they determined that the transactions were authorized. I have since submitted a second dispute involving additional transactions, which is currently under review. At the same time, I have been notified that my account XXXX be closed. I am concerned that Chime did not conduct a thorough or fair investigation. I have not been provided with : Specific evidence used to determine authorization Device, IP, or authentication details tied to these transactions Any documentation showing how the investigation was completed Given the sudden change in transaction activity and the involvement of third-party payment processors, I believe additional verification should have been required before approving them. I am requesting : A full and transparent review of all disputed transactions Documentation of the investigation process and findings Reconsideration of the denied dispute based on a complete review Clarification regarding the decision to close my account I would like Chime to provide a detailed response explaining how these transactions were verified and why my disputes were denied. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I ordered a new card from Wells Fargo because I got scammed by someone else by pretending to be a Wells Fargo operator. I never received this card and certain someone stole it from my mailbox box before I could receive it. On XX/XX/XXXX my card was used at a XXXX XXXX at a Wells Fargo ATM in XXXX XXXXXXXX XXXX they took out XXXX $ using my physical card. They also used my card at XXXX in XXXX XXXXXXXX XXXX for a XXXX $ purchase using my physical card. On the date of the incident, I received a notification of a declined transaction at a XXXX XXXX while I was physically at Football practice in XXXX XXXX, XXXX I was not present in XXXX XXXX and have not been in XXXX XXXX at any time and could not have conducted this transaction. I reported this fraud to Wells Fargo, but my claim was denied. I was incorrectly instructed to contact the merchant, even though this was an ATM cash withdrawal and not a merchant transaction. This indicates my case was improperly classified and not handled as fraud.

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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am disputing a XXXX late payment reported by American Express for XX/XX/year>. Prior to any delinquency, I proactively contacted American Express and formally requested enrollment in a payment plan or hardship program. American Express incorrectly closed the account and reported a XXXX delinquency. This sequence of events constitutes both procedural unfairness and an inaccurate adverse reporting. Under American Express 's own customer agreements and applicable federal guidelines, creditors are encouraged to work with consumers experiencing financial hardship. American Express 's refusal to engage with my payment plan request while simultaneously reporting a delinquency and closing the account is harmful and potentially actionable. Legal Basis for Dispute : FCRA 1681s-2 ( b ) : American Express , as a furnisher, must report accurate information. A delinquency resulting from the denial of a requested payment plan especially where the consumer proactively sought resolution warrants correction. FCRA 1681i : I have the right to dispute this information and request a reinvestigation. ECOA ( 15 U.S.C. 1691 ) : Creditors may not engage in practices that are unfair or deceptive with respect to credit extensions and account management. CFPB Supervisory Guidance : The CFPB has emphasized that creditors should offer loss-mitigation options and payment plans before resorting to adverse actions, particularly for consumers who proactively reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Experian to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Company Name : Robinhood Financial / Robinhood Spending\nProduct : Checking or savings account / Debit card\nIssue : Problem with a purchase shown on your statement\nSub-issue : Refund not received Complaint Description : I am filing a complaint regarding a missing refund associated with my Robinhood Spending ( debit card ) account. On XX/XX/2026 ], I made a purchase in the amount of {$230.00} using my Robinhood Spending card. I later returned the partial items to the merchant, and the merchant processed a partial refund. {$190.00} ) The merchant has confirmed that the refund was successfully issued back to Robinhood on [ XX/XX/2026 ], and I have provided supporting documentation, including emails and confirmation of the refund transaction. As of today, more than XXXX days have passed since the refund was processed, and the funds have still not been credited back to my account. I have contacted Robinhood customer support multiple times and submitted all requested documentation, including proof of refund from the merchant. Despite this, I have only received repeated responses stating that the issue would be escalated, with no resolution or timeline provided. This situation represents a failure to properly investigate and resolve an electronic funds transfer issue in a timely manner, and may constitute a violation of Regulation E ( Electronic Fund Transfer Act ). I am requesting the following : XXXX. Immediate credit of the refunded amount of {$170.00} to my account XXXX. A full investigation into why the refund was not properly processed XXXX. Written confirmation of the resolution and steps taken to prevent this issue from recurring If this matter is not resolved promptly, I am prepared to pursue additional regulatory action. I have attached documentation supporting my claim, including merchant confirmation of the refund and prior communication with Robinhood support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America said they issues me a monetary relief but no check was mailed or nothing on how I can get that money when I called the bank they have no knowledge ; however, Bank of Americas response contains material inconsistencies and does not reflect what I was directly told by the bank. I have submitted formal complaints to both the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency due to these concerns. After the CFPB response was submitted, I was contacted by a Bank of America representative identified as XXXX from the fraud department. During this call, she made statements that directly contradict the banks written response : The representative stated she was denying the claims for the third time, despite the banks written statement that my case ( XXXX ) remains open and under review. She claimed that on a recorded call in XXXX, I stated that I was just passing out money and that it was my thing. This is completely false and never occurred. She insisted it was my voice and that the call was recorded, yet refused to provide the recording when requested. This allegation is not only inaccurate, but the timeline is inconsistent with my circumstances, which I corrected during the call. She further asserted that previously paid claims were not fraud, even though those transactions are identical in merchant, pattern, and timeframe to the claims that were denied. The banks own records show numerous identical transactions, some approved and paid while others were denied or marked as duplicates, with no consistent or reasonable explanation. These contradictions show that Bank of America is not applying a consistent or good-faith standard and is relying on disputed statements it refuses to produce. At this point, I am not requesting further review. The bank has already demonstrated, through prior approvals, that these transactions qualify for reimbursement. The continued denial of identical claims is arbitrary and unsupported. I am requesting that the remaining claims be immediately refunded, consistent with the previously approved transactions. The monetary relief amount XXXX XXXX no one mentioned how I can get that because my acct is closed. I have not received a check for this amount either

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 monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am an existing Capital One credit card customer attempting to open a checking and/or savings account. Since XXXX XXXX, I have been repeatedly blocked from opening a deposit account due to a security issue tied to my Social Security number. Each time I contact Capital One, I am told that someone else attempted to open an account using my SSN but a different name, and that this is preventing me from proceeding. I am further told that they are attempting to contact this other applicant, which is concerning as this appears to be fraudulent activity. Despite multiple calls over several months, Capital One has failed to resolve the issue, correct their internal records, or provide a clear path forward. I have verified that my credit reports are accurate and unaffected, and I was successfully approved for a Capital One credit card within the past year, indicating that my identity is not in question. I am requesting that Capital One : Remove or properly segregate any fraudulent or conflicting application tied to my SSN Correct my customer profile so that I can open a deposit account Provide written confirmation once this issue has been resolved This issue has persisted for several months without resolution, and I am seeking prompt correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: CA

Complaint narrative:
I mobile bank with chime. They don't give me the option to opt out of my pay or spot me.i don't see my full. Check when it's deposited because my pay and spot me takes it. my my pay limit last month in XXXX was {$380.00} they charged me a {$24.00} fee. Then I have a {$95.00} SPOT ME OVERDRAFT. I get a XXXX. Check of XXXX a month. They took {$500.00} altogether. Leaving me with {$700.00}. Then this month after they took the {$500.00}. They told me my my pay was lowered to {$260.00}. So I asked where was the {$140.00} and can they refund me since they lowered my my pay. They said no.i even told them this is the third time they have done this to me.. and I don't think it's fair that they take my money before I see it I also stated I don't think it's fair I don't have the option to opt out of my pay or spot me. I have asked them repeatedly to refund the money back since they lowered my my pay. This situation has caused me to be behind on my rent and bills. Then not to mention with my pay they want to disperse my money when they see fit.my chime transfers and my pay repayments is impacting my monthly cashflow it totaled over {$690.00}. Because they keep raising my pay to {$380.00} one month then lowering it to {$260.00} the following month. They are stealing money it feels like and I want my money back, and no longer deal with chime

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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