vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lost {$2000.00}, it was taken twice : the first time was XXXX on XX/XX/year>, and the second time was XXXX on XX/XX/year> from an ATM at the America bank, but the person who made the transaction was not me, and I did not authorize or give permission to anyone to do it. I reported it to the bank, but they rejected my claim because there was no evidence

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year>, I purchased industrial tools ( XXXX XXXX XXXX and XXXX XXXX ) totaling {$2200.00}. Upon delivery, the equipment was found to be defective and a significant safety hazard, specifically involving a structural fracture in the motor housing. I initiated a return request with the merchant ( XXXX XXXX ) on XXXX 6 days after the transaction and well within their stated 30-day return policy ( which ended XX/XX/year> ). Despite this, the merchant refused the return, and Capital One has since issued an unauthorized rebill of the full amount. Capital Ones dispute department has repeatedly ignored my primary evidence ( Exhibit A ), which proves timely outreach within the policy window. I have acted in good faith to resolve this, but the bank and merchant are currently forcing me to pay for non-functional, dangerous equipment in violation of consumer protection standards and the merchant 's own contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: ND

Complaint narrative:
Complaint Against U.S. Bank Delayed Account Closure and Withheld Funds I am filing a complaint regarding an unresolved issue with U.S. Bank involving a prolonged account restriction and failure to provide a closure date. My account has been under restriction for over 45 days due to a fraud review. During this time, I have repeatedly contacted customer service and visited a branch, but I continue to be told that there is no estimated closing date and that I should be patient. I currently have a positive balance in the account, and I have not been provided any clear explanation for the delay, a timeline for resolution, or when my funds will be released. This extended delay without communication or resolution is causing financial hardship and is not consistent with reasonable banking practices. I am requesting the following : - Immediate escalation of my account review - A confirmed timeline for account closure - Prompt release of my remaining funds upon closure I would like a formal response and resolution as soon as possible. Timeline : - Account restricted : XXXX XXXX - Multiple follow-ups with no resolution- As of today : Over 45 days with no closure date provided 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 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
This is a follow-up complaint with new evidence. I disputed a collection account reported by Hunter Warfield that I do not owe. I never provided my information to this company, and upon review, XXXX XXXX ( the original creditor ) confirmed that my name is not on the lease and that I am not legally responsible for this debt. They also stated that a request was made to have my name removed and the account closed. Despite this, Hunter Warfield continues to report and verify this account with the credit bureaus. XXXX confirmed that the furnisher verified the account, yet no documentation has been provided showing that I am responsible for this debt. This inaccurate reporting has caused me financial harm. I was denied housing due to this account, and when I was finally able to move in XX/XX/year>, I was required to pay XXXX times the rent because of this reported balance that I do not owe. I am requesting : Immediate removal of this account from all credit reports Correction of inaccurate reporting Written confirmation of deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing an account that was opened through identity theft. I never applied for or authorized this account. I have already disputed this matter with the credit bureaus and provided proof of identity theft, yet the account remains on my report without proper validation. This is a violation of 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 non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This is a multi-point complaint about my mortgage application with Navy Federal Credit Union. First, my experience with the loan officer has felt far more like dealing with a used car salesman : high pressure and short answers. ( See Enclosure 1, e-mail chain with loan officer. ) Second, in the limited time remaining before closing, I've tried to escalate my concerns and questions to management by trying to initiate contact via e-mail on XX/XX/XXXX and XX/XX/XXXX. ( See Enclosure XXXX, e-mail to manager XXXX XXXX. Note : On XX/XX/XXXX, I asked the loan officer to put me in touch with his manager. Just as a used car salesman would do, he ignored me. ) Instead, on XX/XX/XXXX, I received an ominous call from underwriting, XXXX XXXX XXXX, indicating I should finish the outstanding items on my application in the next day or so. XXXX what has brought me to file this complaintputting this as charitably as possible, the NFCUs mobile app and website application portals are unstable and frequently dysfunctional. Tonight, I wasted hours trying to complete my application only to encounter constant malfunctions. Worse, after Id gathered all the documents ( pay stubs, XXXX, other income documents, and months of multiple banks statements ), when I logged back in, the NFCUs website no longer prompted me for the same documents. The entire experience was mind numbing and left little confidence that a human had oversight of the websites actions. From a regulatory standpoint, it doesnt appear that the documentation the website was requesting was consistentor even required. Further, I question how my spouse was removed from my application as a co-owner ( especially so since this is Texas, a community property state ). Simply because my spouse is not a co-borrower should not give NFCU authority to make them a stranger to the mortgage. As a XXXX XXXX, I find NFCUs mortgage application practicesand website instabilitysimply shameful. The service theyve provided has been a disgrace.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
I am the victim of a sophisticated, long-game impersonation scam in which a fraudster posing as a representative of a legitimate aviation business ( XXXX XXXX XXXX XXXX XXXX ) earned my trust over an extended period. I subsequently wired {$4100.00} from my USAA Federal Savings Bank account for an aircraft engine core to a XXXX XXXX, XXXX. account held under the fictitious identity of " XXXX XXXX, '' address XXXX XXXX XXXX, XXXX, PA XXXX. Upon recognizing the fraud, I immediately initiated a recall and reported the fraud to both USAA and XXXX XXXX. I have since filed a report with the FBI Internet Crime Complaint Center ( IC3 ), filed a local police report, and notified the legitimate business that was being impersonated. My complaint concerns USAA 's failure to take any proactive action on my behalf. I contacted USAA on XX/XX/XXXX, XXXX, XXXX, and XXXX, XXXX XXXX calls over XXXX days. On each call I was told USAA was " waiting on a response from XXXX. '' However, when I contacted XXXX XXXX directly on XX/XX/XXXX and XXXX, XXXX informed me that they can not act until USAA sends a hold harmless letter referencing my case number to a specific XXXX email address which XXXX provided to me directly. I relayed these exact instructions to USAA on multiple occasions. USAA refused to send the letter. As of the date of this complaint, USAA has still not transmitted the hold harmless letter, and my funds remain unrecovered. The deadlock is entirely of USAA 's creation. XXXX has told me what it needs. I told USAA that information including the e-mail ( XXXX ) and case number. USAA has the information. USAA has chosen not to 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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2025 I called XXXX after noticing they were charging my card a monthly fee of {$21.00} for a service I was unaware I was receiving. It seems when I signed up for a free trial of XXXX on XXXX XXXX, 2025 they bundled XXXX with my order. I canceled XXXX but XXXX charged me {$21.00} XXXX times, once on XX/XX/2025 and again on XX/XX/2025. I called on XX/XX/XXXX about the XXXX charge, and they agreed to remove it, but explained I would have to contact my credit card for the previous XXXX charge as their system couldn't refund both. They canceled my account on that date, per my request, and also refunded me a {$25.00} cancellation charge that occurred. I called Capital One about the XXXX charge and they gave me a temporary credit for both charges to be safe. When the merchant credited me {$21.00} for the XXXX charge, Capital One inadvertently applied this credit to my XXXX charge, which became permanently, and resolved this in my favor, leaving the XXXX charge still open. The merchant credited me for XXXX, but the credit was applied to the wrong month by Capital One. So now when I try to open a dispute for the remaining XXXX charge, they see this as an amount that was already credited by the merchant. They've charged the {$21.00} temp credit back to my card, and no matter how many disputes I've filed, it keeps getting resolved immediately in the merchant 's favor! It's like a human is not even looking at this case. The merchant agreed to cancel both months, but because the phone rep was only able to cancel XXXX of the months ( XXXX ), I was counting on Capital One to assist with the XXXX one, to result in both XXXX charges being permanently credited back to me, due to an internal error on Capital One 's part, and the mishandling of my case by Capital One, I am stuck with XXXX of these unauthorized {$21.00} charges. I am shocked that no one at Capital One has the authority to do a manual courtesy credit with a longstanding and loyal customer to correct their system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: AL

Complaint narrative:
Ive used cashapp for years and I got banned for gambling I very rarely gamble and if I do I go to a casino I dont use a payment app to gamble. I got a new phone and lost access to the original account I was banned from to try appeal so I was told by support I could make another account and contact them. Instead of getting help I was banned again and told basically to stop. I was simply trying to get support and get my account restored since I dont gamble on there and would like it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: AK

Complaint narrative:
I made contact with the debt collector ( iq data XXXX ) on XX/XX/year> to dispute the debt I was not originally informed of before it was put on my credit report. I've been reaching out to them the past couple years to inform them the debt was not accurate and they got very hostile and said what they sent shows it's owed and to just pay it. They said pay it and then get a lawyer and deal with getting refunded later. They wouldn't specify or break down what the charges were for just the amount owed which was over XXXX. I told them why it wasn't owed and they got more rude. The man said he could give a 15 % discount if paid right now then I asked if it was to settle ( bc he convinced me there was no way to dispute it when I tried he even stated that ) could we settle at original amount which was XXXX He said it's in the time frame it should be fine that he had to talk to someone about it. Then another man got on the phone and started yelling at me saying the other man didn't say that and in a very angry way said that it needs to be paid in full and even though I expressed I couldn't come up with that amount not even with family 's help he belittled me not being able to. He kept repetitively saying visa mastercard trying to get payment. He said is your XXXX mom really going to leave your debt like this and belittled her. I never got any notice that this was charged or sent to a debt collector I was never given a chance to dispute it. When I tried today they told me I could not dispute it that what the property sent them shows I owe what I owe and just pay it. I filed a dispute with credit report through XXXX and sent proof that I used the XXXX laws for domestic violence to move out and that they legally couldn't charge me for breaking the lease only if there was damage and I sent proof that the charges for clean out was because the property locked the apartment before the agreed date to vacate premises and did not let the apartment be cleaned or emptied. The manager took my personal belongings to keep for herself and some some of it. One of the proof I sent shows an email saying it was illegal what she was doing and the property wrote back saying key could be picked up and she doesn't know what's going on with that admitting fault. She never did give the key back or give us a chance to empty and clean.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
cash app has wrongfully shut down my account that has been in good standing for YEARS I get my direct deposit from my job and on green status and I went to XXXX for a friend 's b day and bought a few things for my kids at a shop and transferred my remaining money to my other account through them and then they limited my account then closed them without warning or without justified reasons, my tax refund has now been sent back not once but 2xs and cash app won't allow me to have an account for unknown reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
About to or 3 months ago I contacted Capital One and ask them that they have a credit card with a lower interest rate because even though I make my payments on time the interest keeps building to where it keeps me in debt and the customer service representative told me that there was nothing they can do at the time into a new promotion comes along but I was made aware through an ad that I can get a credit card with a lower interest rate so it wouldn't affect my credit as bad as it does and the interest on the debt will not keep going up and also I could not switch back to the regular card that I had because they told me that there was no promotion I did not understand and I still do not understand because I can pay off the card faster if they were not charging me so much in interest

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Complaint Against Chime banking I am filing this complaint regarding the sudden closure of my bank account and the withholding of my funds after I reported fraud. On Saturday, XXXX XXXX, I noticed a fraudulent charge of {$500.00} on my account. I immediately reported the unauthorized transaction to Chime. On XX/XX/year>, I discovered that my account had been closed without warning or explanation. At the time of closure, my savings account held approximately {$5800.00}, which I am currently unable to access. I have not been provided with : * A clear explanation for why my account was closed * Information regarding the status of my remaining funds * A timeline for when the fraudulent charged money will be returned I acted responsibly by reporting fraud promptly. Instead of receiving assistance, I lost access to my account and funds. This situation has caused significant financial stress and concern, as I am being denied access to my own money without explanation. I am requesting : 1. Immediate clarification for the account closure 2. Full access to my funds or prompt return of my remaining balance 3. Confirmation that the fraudulent charge is being investigated If necessary, I am prepared to pursue further action to recover my funds. Timeline : * XX/XX/year> : Fraudulent {$500.00} charge detected * XX/XX/year> : Fraud reported to Chime * XX/XX/year> : Account found closed Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Superior Holdings, LLC
State: OH

Complaint narrative:
I owed about XXXX on that car the engine blew up I called and told them to come get car in XXXX they said that was too far for there tow truck company and I guess it probably got towed and they never got car back but they knew where it was I paid every payment on time until that happened and they sued me like they didnt still get XXXX dollars for the car I just want this off my credit and know how to start making payments I cant get approved for anything and have XXXX kids its my fault I know but I just want to fix it now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Hippa violation they reported my owed debt who I work for this company the hospital. Please get them to delete collections this is illegal to report collections

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Subject : Formal Dispute of Medical Collection Account Request for Verification To Whom It May Concern, I am writing to formally dispute the collection account reported by Radius Global Solutions associated with XXXX XXXX XXXX XXXX in the amount of {$680.00}. I have previously requested verification of this account. In response, I was provided with a medical bill ; however, this documentation does not sufficiently establish that I am the legally responsible party for this alleged debt. Providing a billing statement alone does not verify ownership of the debt, nor does it demonstrate that I agreed to or am responsible for payment of this account. At this time, you have not provided sufficient documentation to : - Establish that this account belongs to me - Demonstrate my legal responsibility for the debt - Show that the debt was properly transferred to collections - Verify the accuracy of the amount being reported Under the Fair Credit Reporting Act, all reported information must be accurate and verifiable. At this time, the information provided does not meet that standard. Additionally, due to the nature of this account being medical, I am requesting that all handling of this information complies with applicable privacy laws. Therefore, I am requesting : - Documentation clearly linking me to this account - Proof of my responsibility for the debt - Validation of the amount and collection authority If you are unable to provide sufficient verification, I am requesting immediate deletion of this account from all credit reporting agencies. I have also filed a complaint with the Federal Trade Commission regarding this matter and am prepared to escalate this complaint to the Consumer Financial Protection Bureau if necessary. Please respond within 15 days. Sincerely, 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 non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
They are harassing me through phone calls mailings I did not make a debt they won't listen to me I am a victim of identity theft and fraud and they are continuously abuse me

Company response to consumer: Closed with non-monetary relief