vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unverified accounts currently reporting on my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), I am requesting a full investigation and deletion of the following accounts due to incomplete, inaccurate, and unverified reporting. This account was charged off on the following date XX/XX/scrub> 2022 ( XX/XX/XXXXyears ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account

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 2026-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a business banking account with Truist. They have repeatedly blocked all transactions ( to my personal XXXX account ) rendering me unable to pay my bills and transact! I have called their Fraud team twice and they have done nothing to address this problem. They claim it's with XXXX and state that I should try again.

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 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I contacted companie that is listed on my credit to dispute the collections listed under my name. They did not want to discuss the matter because I had to provide them with a text code they sent to a different phone number to match the account to their records on file and that phone number does not belong 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 2026-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I have been attempting for several years to correct errors in my PSLF qualifying payment count with my loan servicer, MOHELA, without resolution. My account currently reflects XXXX qualifying payments, but based on my records I have at least XXXX qualifying months. The discrepancy is due to periods incorrectly coded as in-school deferment. Specifically, my loans were placed in in-school deferment during XXXX and XXXX when I was not enrolled. I withdrew from XXXX XXXX in XX/XX/year>, yet my loans remained in deferment well beyond my withdrawal. I was working full-time in qualifying public service during these periods. When I contacted MOHELA about correcting this, I was told that the deferment remained because I did not request removal of the in-school deferment at the time, and that it was my responsibility to do so. However, this does not address the underlying issue that my loan status was inaccurate, as I was not enrolled and the school had already reported my withdrawal. I have contacted MOHELA multiple times over several years and submitted reconsideration requests. Representatives have acknowledged inconsistencies, but no corrections have been made. I have also submitted a complaint through XXXX XXXX XXXX regarding this issue, as my servicer has not corrected the inaccurate loan status despite multiple requests. Because of this incorrect deferment coding, qualifying months have been excluded, preventing accurate PSLF forgiveness determination.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I am filing this complaint against Affirm regarding a loan account that is being inaccurately reported as mine. I previously disputed this account with Affirm, stating that I did not authorize or take out this loan. Despite my dispute, Affirm responded that they conducted a review and determined the account is my responsibility. However, they failed to provide any verifiable evidence to support this claim. Affirm has not provided : - A signed agreement showing I authorized the loan - IP address or device information used to open the account - Proof of identity verification at the time the account was created - Documentation showing that I received or benefited from the funds Their response does not meet the standard of a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). Simply stating that the account is mine without providing supporting documentation is not sufficient. Additionally, Affirm continues to report this account to the credit bureaus, which is damaging my credit and financial standing. I am requesting that Affirm : 1. Provide full documentation verifying that I authorized this account, including method of verification 2. Immediately remove this account from all credit reporting agencies if they can not provide such documentation 3. Cease reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I am filing this formal complaint against Coinbase Global , Inc. regarding the theft of approximately {$90000.00} from my Coinbase exchange account and Coinbase Wallet on XX/XX/XXXX, resulting from a coordinated social engineering attack that exploited Coinbase 's documented security failures. On XX/XX/XXXX, attackers who possessed specific personal information about my Coinbase account information consistent with data exposed in Coinbase 's XX/XX/XXXX insider data breach affecting XXXX customers executed a sophisticated phishing attack that resulted in the unauthorized liquidation of my cryptocurrency assets to XXXX and their transfer to external wallet addresses I did not authorize or control. The attackers used a spoofed Coinbase email address and a phishing portal designed to appear as a legitimate coinbase.com site to capture my credentials in real time through an Adversary-in-the-Middle attack. Critically, my assets were pre-liquidated within my Coinbase exchange account before I interacted with the phishing portal at all, demonstrating an independent, unauthorized access to my Coinbase account. Coinbase 's publicly marketed fraud detection and risk-monitoring systems failed entirely to flag or prevent : ( 1 ) the unauthorized pre-liquidation of all assets to XXXX ; ( 2 ) the anomalous transfer of funds to new, unrecognized external wallet addresses; or ( 3 ) any of the account activity occurring within this compressed timeframe. Furthermore, Coinbase publicly committed to reimbursing customers harmed as a result of its XXXX data breach. My loss falls squarely within that commitment. I have filed reports with the FBI IC3, the FTC, and the NJ Attorney General. I request that the CFPB require Coinbase to fully investigate this incident and reimburse the stolen amount of approximately {$90000.00}. RELIEF REQUESTED Full reimbursement of approximately {$90000.00}. Written acknowledgment of investigation. Formal response within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: WY

Complaint narrative:
my account was closed last XXXX with XXXX out of no where, so i made an account with navy federal credit union and i tried logging on today to check if some deposits made it to that account and they notified me that they received information from the consumer reporting agencies and restricted my account. i am currently in the middle of clearing my information that has been leaked on the dark web ( identiy theft ) and then this happens while i'm in the middle of that .. i dont believe in coincidences .. someone please help me .. as a XXXX combat veteran that almost died for this country. i would have never expected to just be discarded and disregarded like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CIG FINANCIAL LLC
State: PA

Complaint narrative:
I purchased vehicle online, the link to agree to the purchase wouldn't work after several attempts I was told to reply yes to a text message and it would secure the deal for me I get to the dealership and the contract was not what I agreed to, it had a XXXX warranty add on which nobody mentioned when thy handed me the contract to sign .I questioned it and they said I agreed over the phone, when I refused I was harassed about keeping it and made very uncomfortable by being questioned about how I would pay for it if the car broke down .after sitting for hrs they finally brought me the contract I originally agreed to the internet price but then started in with the gap and wouldn't stop so finally I agreddbafter being there for 3 hrs to get a car I had purchased online.ibwasbtold XXXX but I couldn't get my sales contract for 2 months after purchasing and then it XXXX which I had to pay interest on XXXX months which I qasnt aware of XXXX was so confused by the whole thingi didn't even realize I was paying XXXX interest even after putting XXXX cash down on a XXXX car .I wasn't feeling good about the purchase afterwards and wanted to review my contract but couldn't get a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: CO

Complaint narrative:
My chime account was used unauthorized while I was incarcerated in XXXX XXXX XXXX and it was used during the month of XX/XX/year> for {$880.00} and I have documentation from XXXX XXXX jail proving the fact that I was incarcerated during XX/XX/year> through XX/XX/year> sold the month of XXXX when my car was being used I was in jail and that's physically impossible for me to be at these locations if I'm incarcerated I attached my in custody letter from the jail showing the dates I was incarcerated and also a statement from chime for the month of XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 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: CO

Complaint narrative:
Product : Bank account / Credit card Issue : Managing an account / Unauthorized transactions Company : Wells Fargo Bank , N.A . Complaint I am filing a formal complaint regarding unauthorized account linking and unauthorized electronic payments conducted by Wells Fargo without my consent. I recently closed a joint bank account with Wells Fargo. After that closure, Wells Fargo automatically linked my credit card to a completely different account without my knowledge or authorization. As a result, automatic payments were processed from or through this account without my consent. At no point did I authorize : Linking my credit card to another account Redirecting payment instructions Establishing or maintaining automatic payments tied to a different account This appears to be a failure of internal controls and may constitute violations of federal consumer protection laws, including the Electronic Fund Transfer Act ( XXXX ), which governs unauthorized electronic transactions. Impact Unauthorized payments were processed Loss of control over how my accounts are linked and managed Potential financial harm and account misrepresentation Significant concern regarding Wells Fargos handling of account permissions and authorization protocols Attempts to Resolve I have contacted Wells Fargo to address this issue ; however : The issue was not adequately explained I did not receive clear documentation of authorization The situation was not fully resolved to my satisfaction Requested Resolution I am requesting that Wells Fargo : Immediately investigate how and why my credit card was linked to another account without authorization Provide written proof of authorization for any account linking or payment setup Reverse any unauthorized transactions and reimburse any associated fees or damages Permanently remove any unauthorized account links Provide a written explanation of corrective actions taken to prevent this from happening again Confirm that no negative credit reporting will result from this issue Additional Notes Given Wells Fargos documented history of unauthorized account activity, I am requesting this matter be treated with heightened scrutiny. If this issue is not resolved appropriately, I am prepared to pursue additional regulatory complaints and legal remedies. 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 2026-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Bridgecrest. Bridgecrest is reporting an auto loan account on my credit report the does not belong to me. I have never entered into any contract or agreement with Bridgecrest, and no vehicle has ever been repossessed by this company. My loan was with a different lender ( XXXX XXXX ). Bridgecrest is not associated with that account, and I did not authorize any account with them. Despite disputing this account, it continues to be reported without proper verification. Bridgecrest has failed to provide any documentation showing that I signed a contract with them or that this debt belongs to me. This appears to be either a mixed file or inaccurate reporting under the Fair Credit Reporting Act. I am requesting deletion of this account from all credit reporting agencies. Full validation including a signed contract, if they claim the account is mine An explanation of how this account was verified If Bridgecrest can not provide proof of a signed agreement, account must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dyck-O'Neal, Inc.
State: TX

Complaint narrative:
The company, Dyck-ONeal , Inc. , issued a Partial Release related to a deficiency judgment that is misleading and fails to clearly state that the judgment lien does not attach to my homestead property under Texas law . Because of this language, third parties ( including title companies ) are treating the lien as still affecting my property, which has created a cloud on title and is interfering with my ability to sell or refinance. I contacted the company and requested a corrected, unambiguous release confirming non-attachment to my homestead, but they have not provided one. The misleading document continues to cause ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, I used a Bank of America ATM ( ATM ID : XXXX ) located at the XXXX XXXX XXXX, XXXX campus in XXXX, CA to withdraw {$1000.00} USD using an Indian-issued XXXX debit XXXX. The ATM never presented a Dynamic Currency Conversion ( XXXX ) disclosure screen, never displayed XXXX XXXX rate or markup being applied, and never gave me the option to choose between being charged in USD or INR before I entered my PIN. The transaction was silently converted to XXXX Rupees at an inflated rate. My bank was charged XXXX for a {$1000.00} transaction. The XXXX official exchange rate on XX/XX/year> was XXXX XXXX, meaning the correct charge should have been XXXX. I was overcharged approximately XXXX ( roughly {$200.00} USD ) due to an undisclosed XXXX markup applied by the ATM without my knowledge or consent.

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 2026-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year> after submitting my taxes I noticed a significant drop in my credit score. When I researched the issue, Khols Captial One had filed a notice to credit agencies that I was 120 days delinquent. I have not received any bills from Khols nor did I receive a letter that there was any payment due. Not did I receive a letter that my account was closed due to lack of payment. I researched my account which I believed had zero ( 0 ) balance, and in fact it was closed with a negative {$6.00} due. When I called Khols they confirmed that I had zero ( 0 ) balance for 6 months. Khols has been charging me interst on zero ( 0 ) balance which led to a negative {$6.00} balance due that they considered unpaid. This is unacceptable. My excellent credit score has been dropped to fair due to their system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
CFPB COMPLAINT LETTER FRAUDULENT ACCOUNT / IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : FORMAL COMPLAINT FRAUDULENT ACCOUNT / IDENTITY THEFT / FAILURE TO INVESTIGATE Company : Midland Credit Management , Inc . Account Reference : XXXX XXXX XXXXXXXX To Whom It May Concern, I am submitting this formal complaint against Midland Credit Management , Inc. regarding their continued reporting and collection of a fraudulent account that does not belong to me. This account was allegedly opened with XXXX XXXX in or around XXXX. I have confirmed and documented that this account is the result of identity theft. XXXX XXXX has already acknowledged the fraud and removed the account from their records. However, Midland Credit Management purchased this debt and continues to report and attempt to collect on it. Summary of the Issue : - Failed to conduct a proper and reasonable investigation - Continued to report inaccurate information to credit bureaus - Ignored formal disputes submitted directly and through credit reporting agencies- Disregarded official documentation, including a police report and FTC identity theft report Documentation Provided : - Police report confirming identity theft - FTC Identity Theft Report - Written disputes to credit bureaus - Confirmation from XXXX XXXX that the account was fraudulent and removed Legal Violations : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Requested Resolution : 1. Immediate deletion of this fraudulent account from all credit reporting agencies 2. Cease all collection activity related to this account 3. Provide written confirmation that the account has been permanently removed 4. Ensure no further reporting, resale, or transfer of this fraudulent debt Impact and Harm : - Damage to my credit profile XXXX XXXX XXXX and hardship - Time and financial burden associated with correcting fraudulent reporting Final Statement : This companys continued reporting of a known fraudulent account demonstrates a willful disregard for federal law and consumer rights. I respectfully request that the CFPB investigate this matter and enforce appropriate corrective action. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to formally dispute a closed account that is currently being reported on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported must be accurate, complete, and verifiable. I am requesting a full investigation into this account, including verification of its accuracy, status, and reporting history. If this account can not be properly verified, or if any portion of the reporting is inaccurate, incomplete, or inconsistent, you are required under 15 U.S.C. 1681i to remove this from my credit report immediately. Additionally, if this account is no longer active and can not be substantiated with full documentation, including the original agreement and complete payment history, it should not continue to be reported in a manner that negatively impacts my credit profile. Please provide documented proof that this account has been reported in full compliance with all applicable laws and reporting standards. If such proof can not be provided, I demand that you remove this from my credit report without delay. Failure to comply with this request will result in escalation of this matter to the Consumer Financial Protection Bureau and may lead to further legal action for violations of federal law. I expect written confirmation of the results of your investigation within the required 30-day timeframe.

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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY

Complaint narrative:
thursday my bank account became restricted and said pending closure i then made a new account with a different company and now out of the blue that account is closed due to a consumer report or something... i have been dealing with my personal information being leaked to brokers online and was in the middle of getting that taken care of being a XXXX XXXX XXXX this is completely unacceptable i did not almost die for my country to be treated like 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 explanation