vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Date of Incident : XX/XX/year> I contacted Capital One customer service to discuss paying my accounts in full. I have XXXX Capital One accounts XXXX XXXX cards and XXXX Cabela 's store card. When I attempted to use my cards, I noticed they all displayed a message stating " this card is currently restricted. '' When I called to resolve this, I was informed that all three accounts had been closed. The reason given was that my behavior was " inconsistent with a typical Capital One user. '' No specific reason was provided beyond this vague statement. I believe the account closures may be related to an extensive fraud incident on my account in which I experienced over XXXX unauthorized charges in a short period. These charges were fraudulent transactions disguised as XXXX subscriptions, with misspellings in the merchant name and charges far exceeding actual XXXX pricing sometimes occurring up to XXXX times in a single month. I had significant difficulty reporting these charges and only some of the disputes were resolved in my favor. I am a student who experienced financial hardship, however I am now in a position to pay all three account balances in full. Despite this, Capital One has informed me of the following : There is no settlement offer available at this time Interest will continue to accrue on the closed accounts indefinitely Even after paying the current balance, I would need to continue monitoring and paying additional accrued interest They were unable to offer any hardship program or interest pause I also asked what had been reported to the credit bureaus and was told that reporting occurs 2 to 3 days after each billing cycle, but no specifics were provided about what exactly is being reported. I am actively trying to resolve this debt in full and in good faith. I am requesting that the CFPB investigate why interest continues to accrue on closed accounts, why no hardship options were offered, and why Capital One has not provided a clear accounting of what has been reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/year>, I disputed a dismissed debt with TransUnion and attached a certified copy of the Court Dismissal showing the case was dismissed. TransUnion completely ignored a legal court order and falsely 'verified ' the debt using an automated system, willfully violating the FCRA by continuing to report inaccurate data.

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 2026-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: NY

Complaint narrative:
On or about XX/XX/year>, I received an email from Mohela in connection with my student loan-- which was past due. I responded to said email. I received XXXX missed call on my cell phone without a voicemail. Moments later, my husband called me ( who is not on this student loan and has no information regarding the same ) that Mohela called him directly, advised him of the debt and the amount past due. I have never provided his name, information or cell phone in connection with the same. When I spoke to the individual who called my husband she advised she left me a voicemail ( she did not ) and that she did not provide information to my husband ( she did so ). This is a blatant lapse in privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I received emails from my personal bank account and XXXX XXXX account of a hard inquiry that I did not authorize. Upon further inspection, I looked into my XXXX account and saw a hard inquiry from Citibank Best Buy that I did not authorize. I reported the fraud to XXXX through their online portal and also called Citibank Best Buy to report the fraud. I asked the Citibank Best Buy representative what information they could give me on how my information was used to apply for a credit card, but all they could tell me was that it was an in-store credit application. Even though I've done everything on my end by reporting the fraud to the credit bureau and Best Buy and also setting up a fraud alert, I still feel like I'm not protected since I am not sure how my information was used to apply for a credit card.

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 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint regarding Capital Ones immediate closure of my Platinum Secured Card account. Capital One stated in its account closure notice dated XXXX XXXX, XXXX, that it was closing my account because it observed activity inconsistent with typical customer account usage. This explanation is vague, unclear, and fails to identify what specific activity allegedly justified closing my account. My account experienced two returned payments. After this occurred, I took corrective action by changing the bank account used for payments and continuing to make payments in good faith. I made a payment on my due date, and Capital One accepted and processed my payment. Despite my corrective action and successful payment, Capital One immediately closed my secured card account without providing a clear or meaningful explanation. If returned payments were the concern, I addressed that concern by updating my payment information and making a successful payment. The decision to accept my payment while still immediately closing my account without a specific explanation raises concerns regarding transparency and fairness. Additionally, this was a secured credit card account with a {$49.00} security deposit and an approximately {$46.00} remaining balance at the time of closure. I am requesting clarification regarding how my security deposit will be handled, including whether it will be applied to the balance, refunded, or otherwise processed. Date of 1st returned payment : XX/XX/XXXX Date of XXXX returned payment : XX/XX/XXXX Date I changed bank account : XX/XX/XXXX Date you made due-date payment : XX/XX/XXXX & XX/XX/XXXX Date Capital One closed/restricted account : XX/XX/XXXX Payment Due Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX I found out they froze my account with no explanation so I havent had access to my money since then and then i find out they closed my account on XX/XX/XXXX and took all my money and transferred to another XXXX bank acct we had and they took the money out of that acct too. So they took almost {$10000.00} total and closed XXXX acct and froze the other. I havent been able to pay my bills put food on the table and have had to send my son to live with his dad for now cause XXXX cant afford to take care of him properly. They said XXXX get an explanation in mail i finally got XXXX letters saying what I already know but still no explanation as to why. They have totally turned my life upside down over night. Us Bank is as XXXX as u can get!

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 2026-05-29 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: NY

Complaint narrative:
I am submitting this complaint regarding Chimes handling of my fraud dispute claim I lost both my debit card and my phone. As soon as I realized what had happened, I immediately used another device to access my Chime account. Once I logged in, I changed all of my account information and reported my debit card as lost and stolen right away. I also contacted Chime immediately to report the situation. I was informed that I had to wait until the unauthorized transactions finished processing before a dispute could be filed. Once the transactions finished processing, I filed a dispute as instructed. During the investigation, Chime requested supporting documentation showing that I contacted the merchant involved. I complied and provided screenshots of email conversations as well as proof of phone calls made to the merchant. In addition, because my phone had been lost, I deactivated my mobile service with Simple Mobile and had to purchase an entirely new phone. I submitted screenshots of emails from Simple Mobile confirming my service was deactivated, along with proof showing I obtained a new phone through XXXX. I have fully cooperated throughout this process and provided all documentation requested from me. Despite this, my dispute was denied. I do not believe the unauthorized transactions were properly investigated considering the evidence I submitted showing my phone and debit card were lost/stolen and that I took immediate action to secure my account. I am requesting that Chime reopen and conduct a thorough investigation into this matter and reimburse the unauthorized transactions associated with this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Americor Funding, LLC
State: NJ

Complaint narrative:
I enrolled in a debt relief program with Americor in XX/XX/year>. My escrow account was handled by XXXX XXXX XXXX ( XXXX ). On XX/XX/year>, I formally canceled my program and revoked all payment authorizations. On XX/XX/year>, Americor executed XXXX unauthorized fee sweeps from my escrow account totaling {$390.00} ( {$190.00} for an XXXX account and {$200.00} for an XXXX account ) .My transaction ledger shows I deposited a total of {$780.00} into the program. Americor disbursed only {$30.00} total to my actual creditors ( {$10.00} to XXXX XXXX and {$20.00} to XXXX ). Despite only paying {$30.00} to my creditors, Americor has seized {$540.00} in settlement fees and {$59.00} in draft fees. Taking nearly {$550.00} in fees for a minor {$30.00} creditor payout represents non-proportional fee-loading, which violates FTC Rule 16 CFR Part 310. Because I have canceled, these long-term payment plans will default, meaning Americor has provided XXXX performance value to justify keeping {$540.00}. When I contacted customer service on XX/XX/year>, they refused to reverse the fees. I demand that Americor and XXXX reverse the unauthorized XX/XX/XXXX charges and return my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Santander is closing my account in XXXX days from the date of my letter they sent me ( XX/XX/year> ) I have been a long time customer and have done nothing wrong.

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: AZ

Complaint narrative:
On XX/XX/XXXX tried to open accounts with Navy Federal Credit Union and was denied membership based in whole of information obtained from XXXX XXXX XXXX XXXX XXXX. I inquired what the issue was and was told it was in regards to my XXXX account. There is nothing being reported from XXXX on my 3 credit reports. In the past when I owned an account with XXXX, I reported fraud XX/XX/XXXX. Employees were not helpful and I was locked out of the account. I was unable to speak to a representative online or phone. I went to a physical branch and was informed I needed to contact bureaus and XXXX XXXX to remove. XXXX is not reporting on any of my credit reports with XXXX XXXXXXXX XXXX XXXX XXXX. When I contact XXXX XXXX the representative told me XXXX was incorrect and there is no courtesy closing and I would need to figure out with credit bureaus and wait 7 years to not be on XXXX XXXX XXXX report. This issue is causing me not to be able to establish banking with Navy Federal Credit Union as a new soldier of the XXXX XXXX XXXXXXXX. Please advise of what can I do!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: KY

Complaint narrative:
I am filing a formal regulatory complaint against Beyond Finance , Inc. for unfair, deceptive, and abusive practices, as well as potential violations of the FTC Telemarketing Sales Rule ( TSR ) regarding the withholding of dedicated escrow account funds and the misrepresentation of established fees. I am enrolled in a debt relief program with Beyond Finance, which utilizes a dedicated escrow account funded by my personal bank drafts. Recently, I contacted Beyond Finance to formally cancel my program and request the immediate return of my remaining, unearned escrow balance. Beyond Finance refused my request to close the dedicated account and release my funds. Company representatives explicitly stated that I " can not get out '' of my dedicated account escrow because they have " fees already established. '' Under the Telemarketing Sales Rule ( 16 CFR 310.4 ( a ) ( 5 ) ), debt settlement providers are strictly prohibited from charging upfront fees, and they may only collect a fee after a debt has been successfully settled and a payment has been made. The funds remaining in a dedicated escrow account belong entirely to the consumer until a legal settlement is executed. Beyond Finance is attempting to hold my remaining balance hostage for unearned or illegal termination fees, and is actively misrepresenting my legal right to cancel the services and withdraw my funds. Beyond Finance does not have a legal right to block me from closing my escrow account or to withhold funds that are not tied to a completed, settled debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, an erroneous purchase was made with XXXX XXXX, based on the assumption that a cancelation and refund option would be available within the first XXXX hours. The fare rules and terms were not made available during the transaction process by the merchant, so it would have been impossible to know otherwise. Even after the transaction, the airline failed to disclose their terms around a XXXX cancelation policy. The purchase was canceled within XXXX hours, and service was never provided, but a full refund was not provided by the merchant. Multiple attempts were made to resolve issue with the merchant directly, but were not successful. A dispute was initiated through the credit card company, however, despite merchant 's failure to provide sufficient proof to address the actual issue, American Express seemed more eager to close the dispute and resolve in favor of the merchant. Multiple attempts were made with the credit card company with the request from them to require merchant to provide additional support. American Express has decided instead to rely on the original response from the merchant, and refuses to address the concerns raised through the dispute. American Express has received multiple proofs from me in support of my issue, but has chosen to ignore them, and it is unclear whether the letters and material submitted by me are even being reviewed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX and I opened the following business checking account offer with Capital One in XXXX 2025. Capital One is offering a bonus of up to {$1000.00} when you open a new business checking account with promo code XXXX. There are XXXX tiers : Earn {$500.00} with at least a {$5000.00} balance XXXX {$1000.00} with at least a {$30000.00} balance. Maintain the minimum required end of day balance for at least 60 days during the first XXXX days of account opening Make XXXX qualifying electronic transactions within 90 days of account opening. Qualifying transactions include electronic wire, electronic ACH, and remote check deposit. I did everything I needed to do for this bonus. Deposited the {$30000.00} and did the XXXX qualifying transactions and I got the attached letter in the mail saying I needed to call this phone number and provide them with information. The letter looked very suspicious so I called the business checking account customer service number line on XX/XX/2025 and asked them if this letter was legitimate and they said they were not aware what this letter was and saw no flags on my account and to disregard the letter so I threw it out. I even warned my family after the phone call that you were not even aware what this bonus was for. I then find out about a week later that my account was closed. I already filed a previous CFPB claim for this dispute and the letter I received from XXXX at Capital One stating " After further review it was identified that we sent communications to you on XX/XX/2025, XX/XX/2025, and XX/XX/2025, advising that additional information was needed for your accounts ending in XXXX. '' This NEVER happened. You guys keep sending me letters that you tried several times to communicate with me but this NEVER happened. Stop sending me letters with lies. Please pull up the phone call from XXXX XXXX, 2025 where you can confirm that I spoke with a representative who told me he had no idea what that letter was. I should receive this bonus and I am not going to stop filing claims until you deposit my bonus that was rightfully earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a payment to the wrong person. This person immediately refunded my money and Cash App lists this transaction as an XXXX loan. I have read that this is a common issue with cash app, and I have tried dealing with their customer service to no avail. They refuse to correct their error and are insisting that I pay off a loan that never happened. It was {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
The breakdown of the amount owed is {$3900.00} for the current judgment balance plus 25 % receiver fees. There is also post judgment interest accruing at 5 % per annum. So the current total balance is {$5100.00}. No notice of lawsuit No notice of judgment Account frozen years later Request proof of service and debt validation This is what the company is asking of me from a XXXX dollar cash loan from speedy cash in XX/XX/XXXX. They stated I was served and did not show up court. I was found guilty and now in XXXX they froze my bank Im held of household. I cant pay my rent or buy anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Hi. Yes I had my belongings stolen from me from a XXXX person so once I retrieved a way to contact My Bank, Navy Federal to alert them of a large transfer from one of my accounts to theirs and then a XXXX payment to an unknown person I don't know or didnt authorize they Blantly denied my claim insinuating that I made the transaction. This transaction happened on XX/XX/year> when again I had no access to my belongings after XX/XX/year>. I reached out to NFCU on XX/XX/year> alerting them that a large transaction which happened to be my savings from another one of my banks which the two are linked, had been sent without my consent or knowledge. The amount was {$1900.00}. After they denied my claim I asked for an explanation as to why they would insinuate I made the transaction. That was my savings and unfortunately I'm on the verge of being put out because my money is gone. I just want some help and a reimbursement of my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation