vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I am disputing Barclays Bank Delaware for failure to conduct a reasonable investigation into my credit dispute. I submitted multiple disputes regarding this account beginning around XX/XX/year>. Barclays provided inconsistent and contradictory responses throughout the process. Barclays initially stated the investigation was complete. They later stated the investigation was still ongoing, and then again claimed it was completed without providing any new documentation or verification. I specifically requested full validation of the account, including the signed agreement or application, complete payment history, account statements, and the method of verification used in their investigation. Barclays failed to provide this information. Instead, Barclays provided generic responses and statements that relied on personal identifying information rather than account-level documentation linking me to the alleged account. Despite multiple disputes, Barclays continues to report this account without providing sufficient verification. This demonstrates a failure to conduct a reasonable investigation and failure to ensure maximum possible accuracy as required under the Fair Credit Reporting Act.

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Requested email confirmation and face verification XX/XX/year> and XX/XX/year> from XXXX XXXX XXXX home page no answer called XXXX phone number that is useless not help at all Sign In Get Started Contact Us How can we assist you? Please complete the form below and our team will review your request as soon as possible. Contact Support Tell us a bit about your issue so we can assist you quickly. Your email address XXXXelect a category to get started Go to https : //XXXX.XXXX.com/register/confirm-email Double check that the email you registered with is spelled correctly Click " Didn't receive an email? Check your spam folder for XXXX or resend email '' to send another verification code to your registered email address. If using the XXXX mobile app, please try to confirm your email again but this time using the web interface on a laptop or desktop computer or through your phones browser. Related links Why haven't I received my registration email with the verification code? Please provide a few details and well connect you with support. XXXX never got code to verify email XXXX XXXX XXXX Submit a ticket

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In approximately XX/XX/year>, my bank account with Bank of America was frozen within about three days after a complaint was filed with the North Carolina Department of Justice. I was not given prior notice, explanation, or an opportunity to respond. I believe I was incorrectly associated with a third-party fraud complaint without proper verification or due process. As a result of the account freeze, I lost access to all of my funds. This caused severe financial hardship, including loss of my housing, car, and personal belongings. I also experienced extreme XXXX XXXX and was XXXX in a XXXX facility for approximately XXXX days. To this day, I have never received documentation explaining why my account was frozen, what legal authority was used, or where my funds were transferred. I am requesting a full investigation, including : * A clear explanation of why my account was frozen * Documentation of any legal authority used ( court order, subpoena, or internal compliance action ) * A complete accounting of all funds removed or transferred I believe my consumer rights may have been violated and request a full review of this matter. 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 2026-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding the improper handling and cancellation of my deed in lieu of foreclosure application. I acted in good faith throughout the process and submitted all requested documentation promptly. I was confirmed as the point of contact for scheduling the required appraisal inspection. The lender states that the appraiser attempted to contact me multiple times to schedule an interior inspection. However, I have reviewed my official phone carrier records and can confirm that I did not receive any incoming calls, voicemails, or text messages from the appraiser during the relevant timeframe. The only evidence provided is a screenshot from the appraiser indicating that text messages were sent requesting that I initiate scheduling. These messages were never received, and no inspection appointment was ever scheduled or confirmed. Because no inspection was coordinated : The appraiser completed an exterior-only appraisal without my participation, which was stated by Representative XXXX on XX/XX/year> @ XXXX XXXX. On XX/XX/year>, the email stated a drive-by was completed, but my question is, why didn't the appraiser or Village Capital try to make contact if the drive-by was completed? The lender submitted this appraisal to the Department of XXXX XXXX The XXXX denied the appraisal as insufficient My deed in lieu application was canceled At no time was I : Successfully contacted to schedule an inspection Provided a confirmed appointment date and time Notified that my application was at risk of cancellation due to a lack of contact This represents a breakdown in communication and process, not a failure on my part to cooperate. I was ready and available to participate in the inspection at all times. After the cancellation, I requested reconsideration and reinstatement. The lender refused and instead directed me to pursue a sale of the property, despite the fact that the property is approximately {$57000.00} underwater. And I've spoken to several Realtors that stated they can't place the house on the market because we're upside down in our mortgage and advised to talk to our lender about these processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am filing a complaint against Bank of America regarding funds from a closed account that have not been delivered to me. My account was closed approximately XXXX years ago. The bank informed me that a check with my remaining balance was issued and sent to my previous address. However, I had already relocated to XXXX and never received the check. After multiple attempts to resolve this issue remotely, I traveled in person to a Bank of America branch in XXXX XXXX, California. During my visit, I received inconsistent and conflicting information from bank representatives : - I was told that a new check had been issued and would arrive in 710 days. - Later, I was told that the check had actually been sent on XX/XX/XXXX and that I must wait up to 120 days. - No tracking number, confirmation, or written documentation has been provided. At this point, I do not know the status of my funds, whether the check was successfully delivered, lost, or reissued. The lack of consistent information and documentation is preventing me from accessing my money. I am requesting that Bank of America : 1. Provide a clear and final status of my funds. 2. Reissue the funds via a secure method ( preferably wire transfer ). 3. Provide written confirmation and any available tracking information. 4. Assign a case manager to ensure resolution. I am currently in the United States for a limited time specifically to resolve this issue, and I need urgent assistance. Thank you.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as TRUEACCORD C - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding a welcome bonus promotion with SoFi. I understand that tax refund deposits do not typically qualify as direct deposits for this promotion. However, I contacted SoFi support and was explicitly told by a representative that my deposit would be recoded as a qualifying direct deposit and that I would receive the remaining portion of my welcome bonus. I relied on this information and was led to believe the issue had been resolved. I have documentation of this conversation where the representative stated they would submit a request to correct the coding to ensure I would receive the bonus. Despite this, SoFi has now denied honoring that commitment, stating that the deposit does not qualify under the promotion terms. While I understand the policy, my complaint is that I was given clear and specific information by a representative that this would be corrected. I am requesting that SoFi honor the commitment made by their representative or provide a resolution for the misinformation I was given. I have attached screenshots of the conversation as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
on XX/XX/2026 I noticed an issue with my account involving Credit acceptance. The issue was making the payments due to a hardship and was denied of payment arrangements. The amount involved was approximately {$510.00} On XX/XX/2026 I contacted the company by phone and spoke with female representative. They stated that the issue was not resolved. I made additional attempts to resolve the issue on XX/XX/XXXX, but no response and denied claim, conflicting information. As of today, the issue remains unsolved and has cause financial hardship and inability to access funds. I am requesting assistance in resolving this matter.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank failed to credit a {$1200.00} promotional bonus associated with business checking account offer code XXXX, despite my meeting the stated requirements based on a reasonable interpretation of the terms. I opened a U.S. Bank XXXX XXXX XXXX account on XX/XX/year> using this offer. I deposited over {$25000.00} in new funds within the required timeframe and maintained the required daily balance through the full qualification period. I also completed multiple transactions, including ACH transfers into the account and payments made from the account. The promotional terms list ACH credits as qualifying transactions but do not clearly define whether standard outgoing ACH payments ( such as credit card payments or other business payments ) qualify, nor do they clearly state that transactions must be completed specifically through Bill Pay. In normal business banking, ACH payments to pay bills are a primary form of account activity. I reasonably interpreted these as qualifying transactions and structured my account usage accordingly. After completing the requirements, I was informed that my transactions did not qualify because they were not processed through Bill Pay. This distinction is not clearly stated in the promotional terms and is not intuitive for a typical business customer. The terms do not clearly distinguish between ACH credits and functionally equivalent ACH debits, nor do they clearly require the use of Bill Pay as the exclusive qualifying method. As a result, I spent significant time and effort moving funds and restructuring my banking activity based on a reasonable interpretation of the offer, only to have the bonus denied on a technicality that was not clearly disclosed. On XX/XX/year>, I called U.S. Bank to ask why I had not received the bonus yet. I was told I I did not qualify for the bonus. When I escalated this issue to a supervisor, I was told that no exceptions or alternative resolutions would be offered.

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Have about XXXX worth of credit card debt that occurred over XXXX and have not been able to recover from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
In approximately XXXX, my PayPal account was sent to collections. I paid the collection account in full at that time. In XXXX, PayPal is still claiming that a balance remains and has restricted my account, including preventing me from using services such as PayPal Pay in XXXX. I contacted PayPal to resolve the issue. They informed me that the debt is currently held by XXXX XXXX and instructed me to contact them. I contacted XXXX XXXX directly, and they confirmed that they do not have any account or balance associated with me. This creates a direct contradiction. PayPal is referring me to a company that has no record of the debt, while continuing to claim I owe a balance and restricting my account. I requested validation of the alleged balance, including : - The original loan amount - A full accounting of payments - Identification of the current owner of the debt - Documentation showing why any balance remains after the collection was paid PayPal has not provided this information. At this time : - The collection was already paid - The company PayPal claims holds the debt has no record of it - PayPal has not validated any remaining balance Despite this, my account remains restricted. I am requesting : - Written validation of any alleged remaining balance - Identification of the current legal owner of the debt - Correction of any inaccurate account status - Removal of all improper account restrictions If PayPal can not validate this debt, the balance should be removed and my account fully restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I am filing a complaint against Capital One regarding their handling of a fraud claim and their failure to respond to my dispute. XXXX unauthorized debit card transactions occurred within approximately XXXX minutes of each other. First one for {$310.00} and a second one for {$600.00}. At the time, I was not in possession of my debit card or my mobile phone, as both had been lost. I promptly reported the fraud. Capital One investigated and determined that the first transaction was fraudulent and issued a credit. However, they denied the second transaction, despite it occurring just minutes later under identical circumstances. Their stated reasoning was that a text message approval was sent to my phone. This is not valid authorization, as I did not have possession of my phone. Any response would have been made by the individual who had unauthorized access to both my phone and debit card. It is inconsistent and unreasonable to conclude that XXXX transaction was fraudulent while another, occurring within XXXX minutes, was authorized. Both clearly resulted from the same compromise. Additionally, I formally disputed this denial and requested reconsideration. Capital One has failed to respond for over XXXX month. This lack of response raises concerns about whether a reasonable and timely investigation was conducted, as required under the Electronic Fund Transfer Act ( Regulation E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I requested a validation of the debt on XX/XX/year>. I received a letter dated XX/XX/year>, that simply stated they were looking into my inquiry. The law says they have XXXX days and they went past that. They need to remove the debt from my credit report per the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bilt Technologies, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX XXXX on my Bilt Mastercard issued by XXXX XXXX. On XX/XX/year>, that item was stolen while in transit. I filed a claim under the Mastercard Purchase Assurance benefit, but it was denied without a specific written reason. I have requested in writing ( a ) a copy of the written denial citing the specific exclusion or provision relied upon, and ( b ) a copy of the Mastercard Purchase Assurance benefits guide that was in effect on the date of purchase. XXXX XXXX has refused to provide the benefits guide, stating I must access it through their online portal. However, both card numbers associated with this account have been closed during the migration of the XXXX program to a new issuer ( the original Bilt card used for the purchase and a temporary XXXX XXXX card issued on or about XX/XX/year> ). Neither card number is accessible to me in the XXXX XXXX online portal. I am requesting that XXXX XXXX provide, in writing or by mail, ( a ) the benefits guide governing my account on XX/XX/year>, and ( b ) the written denial letter for my pending claim. Without these documents, I can not evaluate the denial or file a meaningful appeal. I want to add that the credit card number used for my purchases, which was listed as stolen on the claim, is no longer under XXXX XXXX 's control. It does not show up on their credit card portal. The credit card number ending in XXXX, under which my claim is being made, was migrated over to BILT on XX/XX/XXXX as part of their conversion to a new credit card platform. This does not negate BILT XXXX XXXX 's obligation under its purchase protection agreement if the items were purchased XXXX days or less prior to the incident of theft. The theft occurred on XX/XX/year>, and, as the documentation will reflect, my purchases were made within XXXX days of that date. The screenshot of the current XXXX XXXX portal shows a different credit card having been assigned to me after the XX/XX/XXXX migration to BILT 's new platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: MA

Complaint narrative:
Jefferson Capital {$1000.00} Jefferson Capital {$720.00} XXXX {$720.00} they have placed this on my credit twice. Jefferson Capital {$490.00} XXXX {$460.00}. XXXX {$320.00} None of these accounts are mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year>, I returned an item purchased through Affirm at XXXX and was issued a cash refund. Before taking any action, I contacted Affirm the same day to ensure I handled the refund correctly. An Affirm representative explicitly directed me to use the cash refund to pay off my loan and stated that I would receive my refund afterward. I followed Affirms instructions exactly. Since XX/XX/XXXX, I have made multiple follow-up calls to both Affirm and XXXX attempting to resolve this issue. On XX/XX/year>, an Affirm supervisor stated that there is nothing they can do. This is unacceptable. I relied on instructions provided by Affirm, and their guidance directly caused my financial loss. I now have no item and no refund. The total amount paid was {$480.00}, and I am requesting immediate reimbursement of this full amount. I am also formally requesting copies of all recorded phone calls between myself and Affirm to document the misinformation I received.

Company response to consumer: Closed with explanation