vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
In XX/XX/year>, I discovered an unauthorized transaction of approximately {$6000.00} on my Capital One checking account. The transaction appeared to be related to a cryptocurrency purchase that I did not authorize and had no knowledge of. I reported the transaction to Capital One as soon as it cleared and filed a fraud dispute. Capital One initially issued a provisional credit while they conducted an investigation. After approximately two months, Capital One reversed the provisional credit and determined that I was responsible for the charge, without providing sufficient explanation or evidence to support their decision. I did not authorize this transaction, did not provide my card information or consent for this purchase, and I am a victim of fraud. I requested details regarding their investigation and the basis for their denial, but I was not provided with clear or adequate documentation. As a result, my account has been left with a negative balance of approximately {$6000.00} for a transaction I did not authorize. I am requesting that Capital One properly investigate this matter, provide documentation supporting their decision, and remove this charge from my account. I am also requesting that I not be held liable for this unauthorized transaction under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/year> my Barclays Mastercard had two charges that I didnt make. One was for XXXX from XXXX stores and the other was XXXX from XXXX XXXX store. There was also an attempt to take out cash from an ATM which Barclays flagged as fraud and sent me notification. I immediately called them upon receiving their text and was informed to cut up my credit card and that they would be sending me a new one. On XX/XX/year> I received a letter from Barclays that they had completed a detailed review of my account and that I was not responsible for these charges. On XX/XX/year> the charges were still on my account plus a XXXX late fee. I called Barclays and they informed me that the card was in my possession when the charges were made which is not true. They said that I made these charges basically accusing me of fraud which on a later date I will be addressing. On XX/XX/year> I called back to close my account with them. I can not in could faith do business with a company that treats a XXXX year customer this way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 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: VA

Complaint narrative:
b'CFPB COMPLAINT PACKAGE XXXX XXXXnConsumer: XXXX XXXX XXXX \nAccount Ending: XXXX \nCase Number: XXXX \nIssuer: XXXX XXXX (Capital One, N.A.) Merchant: XXXX XXXX XXXX XXXX XXXX Dispute Amount: XXXX \nUnauthorized Activity: XXXX XXXX XXXX\nExhibit A: Discover Reopened Case Letter dated XXXX XXXX XXXX\n\XXXX violated Regulation Z (12 CFR 1026.13) by:\n\n1. Failing to conduct a thorough, goodfaith investigation as required by Regulation Z and the FCBA.\n\n2. Improperly reopening my dispute to give the merchant a second opportunity to rewrite evidence after their initial submission contained material misrepresentations.\n\nOn XXXX XXXX XXXX, Discover sent me a letter stating that my dispute case was reopened either because you asked us to, or because the merchant provided additional information. I did not request the case to be reopened. The merchants prior documentation contained material misrepresentations, including altered transaction descriptors and inconsistent customer data.\n\nUnder 12 CFR 1026.13(f), once a merchant has submitted documentation and the issuer has decided, the merchant is not permitted to revise, correct, or recreate evidence to influence a second investigation. XXXX attempt to reopen the case to accept new merchant evidence is a direct violation of the Fair Credit Billing Act and Regulation Z.\n\nRisk Summary (Integrated)\n\XXXX conduct presents multiple High Risk regulatory failures, including:\n\taccepting prohibited revised merchant evidence ( High Risk)\n\tconducting an unreasonable reinvestigation ( High Risk)\n\tmisrepresenting the basis for reopening ( Medium Risk)\n\textending the dispute timeline beyond permissible limits ( Medium Risk)\n\nThese actions collectively demonstrate systemic noncompliance, improper liability assignment, and a breakdown of internal controls that expose consumers to financial harm.\n\nUnauthorized Use and Immediate Fraud Reporting\nI did not authorize, initiate, approve, or benefit from any XXXX transactions following XXXX XXXX XXXX. I reported the activity without delay. Discover closed my account, acknowledging that their fraud detection systems recognized this behavior as inconsistent with my typical transactions. Under Regulation Z, it is the issuers responsibility**not the consumers**to determine whether authorization occurred. \n\nDiscover violated Regulation Z (12 CFR 1026.13) by closing my disputes without conducting a reasonable, goodfaith investigation as required under 1026.13(c), by relying on defective and contradictory merchant evidence in violation of 1026.13(f)(1), and by improperly reopening the dispute to accept revised merchant evidence after a determination had already been made, which is expressly prohibited under 1026.13(f)(2).'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence is trying to collect on a debt although not mine, was paid in full to XXXX XXXX last year. In the last month, Credence has placed this account on my credit report three times. Credence has made multiple calls to my Cell phone and has sent text messages about this debt to my Cell phone as well. Credence is a debt buyer who has predatory practices and needs to be shut down in the United States.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Summary : I am filing a formal complaint regarding duplicate withdrawals made by TD Auto Finance, resulting in repeated overdrafts and financial harm. This issue has occurred more than once and reflects a pattern that has not been adequately resolved. Details : XX/XX/XXXX Incident : In XX/XX/XXXX, TD Auto Finance processed XXXX payments for my auto loan. XXXX payment successfully posted, while the second remained in a pending status on their end. However, my bank, XXXX XXXX, confirmed that both payments were pulled. When I contacted TD Auto Finance, I was informed that because the second payment appeared as pending in their system, they were unable to take action. As a direct result, my account was overdrawn and I incurred financial strain. XX/XX/XXXX Incident ( Recurring Issue ) : This issue has now occurred again. TD Auto Finance processed XXXX payments on consecutive days : * XX/XX/XXXX * XX/XX/XXXX These duplicate withdrawals again caused my account to become overdrawn. When I contacted customer service, the representatives were unprofessional and unable to provide a clear or reasonable explanation. When I requested to speak with a supervisor, the interaction did not reflect an appropriate escalation process. I was ultimately told that any refund would take XXXX to XXXX weeks, despite the immediate financial impact and the fact that this is a recurring issue. Impact : * Multiple overdraft occurrences * Financial disruption due to funds being withdrawn XXXX * Time spent attempting to resolve an issue that should not recur * Loss of confidence in TD Auto Finances payment processing and customer service practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
CREDENCE RESOURCE MA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MA 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 non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: AZ

Complaint narrative:
My HSA account at Optum Financial was supposed to be transferred to XXXX by my employer. It was not because I had money some HSA money tied to a brokerage account with XXXX XXXX. On XX/XX/2026, I made a request on Optum 's website to transfer from XXXX to Optum, the entire balance, {$20000.00}, back to Optum. On XX/XX/2026, {$20000.00} was taken out of my XXXX account, and so far, that money has not been put in my Optum account. In the past this transfer has only take a few days. I called Optum and they have no clue and said they would open a case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In late XXXX, I discovered an unauthorized transaction on my PayPal account for {$3000.00} made to XXXX XXXX for two XXXXXXXX XXXX. The shipping name and address on the order belonged to an unknown third party in Texas, which I did not recognize. I did not authorize this purchase or receive any devices. Upon discovering the fraud, I immediately canceled the associated PayPal billing agreement, canceled all related bank payments, filed a police report, filed an FTC Identity Theft Report, and had my laptop professionally inspected by a tech service, which confirmed my device had been hacked and was subsequently repaired. I filed an unauthorized activity claim with PayPal. Despite submitting supporting documentation, including the police report, FTC report, and tech inspection invoice, PayPal denied both my initial claim and my appeal without providing a clear explanation or the evidence used to reach their decision. PayPal has since initiated a collection attempt for the disputed amount. I formally disputed the debt in writing, requesting that the case be reopened, collection activity cease, and that no negative credit reporting occur while the matter is under review. As of this filing, I have received no written explanation, no validation of the debt, and no confirmation that collection activity has been paused, which may constitute violations of the Fair Credit Billing Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On or around XX/XX/year>, my Cash App account was taken over without my authorization. An unknown individual gained access to my account and changed my account information, including my login details, which prevented me from securing the account immediately. During this unauthorized access, over {$1000.00} was taken from my account without my knowledge or consent. In addition, the individual used my account to borrow money, creating further financial harm and obligations that I did not authorize. As soon as I became aware of the issue, I contacted Cash App support to report the account takeover and unauthorized transactions. Despite multiple attempts to resolve this matter, it has now been over two months and I have not received a proper resolution. Cash App has failed to restore my funds, reverse the unauthorized activity, or provide a clear explanation of their investigation. This situation has caused me financial hardship and distress. I did not authorize any of these transactions or account changes. I am requesting a full refund of all unauthorized transactions and removal of any unauthorized borrowed funds associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has issued new terms and conditions that violate consumer rights. Section XXXX of their Online Banking Agreement is revoking consumer rights to class action lawsuits or any lawsuits that need to be settled by a judge or jury. Here is a link to their online banking agreement : XXXX : XXXX The terms in question read as follows : THE AGREEMENT TO ARBITRATE REQUIRES ( WITH LIMITED EXCEPTION ) THAT ALL DISPUTES BETWEEN YOU AND US BE RESOLVED BY BINDING ARBITRATION WHENEVER EITHER PARTY CHOOSES TO SUBMIT A DISPUTE TO ARBITRATION OR EITHER PARTY REFERS A LAWSUIT FILED BY THE OTHER TO ARBITRATION. ADDITIONALLY, ( XXXX ) YOU'LL ONLY BE PERMITTED TO PURSUE CLAIMS ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, AND ( XXXX ) YOU MAY NOT BE ABLE TO HAVE ANY CLAIMS YOU HAVE AGAINST US RESOLVED BY A JURY OR IN A COURT OF LAW.

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 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
* CFPB COMPLAINT TEXT ( Jefferson Capital Systems , LLC Account XXXX ) Issue : Debt collector is reporting inaccurate and unverifiable information and is unreachable at their official dispute address. Company : Jefferson Capital Systems , LLC Account : Ending in * XXXX Address used : XXXX XXXX XXXX XXXX XXXX. Cloud, MN XXXX Complaint : Jefferson Capital Systems , LLC is reporting a debt on my XXXX credit report under account ending in * XXXX. I attempted to dispute and request validation by mailing a certified letter to their official dispute address : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX This is the address listed on my XXXX report and the address XXXX XXXX uses for consumer communications. However, the United States Postal Service returned my certified letter with the following official stamp : RETURN TO SENDER NOT DELIVERABLE AS ADDRESSED UNABLE TO FORWARD. This proves that Jefferson Capital Systems is not maintaining a valid, mailable address for consumer disputes. As a result, they are : Unreachable Unable to validate the debt Unable to investigate disputes Unable to respond to consumer requests Furnishing information to XXXX that can not be verified This violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including : FCRA XXXX ( a ) ( XXXX ) ( A ) furnishing inaccurate or incomplete information FCRA XXXX ( a ) ( XXXX ) failure to respond to disputes FCRA XXXX ( a ) ( XXXX ) failure to maintain accurate contact information FCRA XXXX ( a ) ( XXXX ) ( A ) unverifiable information must be deleted Because the furnisher is unreachable, the information they are reporting to Equifax is unverifiable and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: CITIBANK, N.A.
State: NC

Complaint narrative:
The lender opened this account to an unknown person using my identity and they have assigned this debt to me. I had no knowledge of this account until recently, I did not apply for this account, nor have I received a credit card belonging to this account. Attempts to resolve this issue began with multiple phone calls to the lender without any resolution. Attached are ( XXXX ) letters sent to the collection agency, who have closed their account with the lender. Attached is a letter to the supposed review service that works for the lender. Attached is a credit card statement detailing the purchases. Also attached is a letter of complaint with further details concerning this fraudulent 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 non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made my credit card payment on the due date ( XX/XX/XXXX ), and the funds were withdrawn from my bank account the same day. However, the payment was processed on XX/XX/XXXX, and I was charged interest. Since the payment was initiated on time and funds were already available, I believe it is unfair to be charged interest due to processing timing. I previously contacted Bank of America and requested a courtesy adjustment, but my request was denied. I am requesting a reconsideration and removal of the interest charge as a one-time courtesy.

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 2026-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
My mortgage servicer is refusing to release a jointly issued insurance check needed for dwelling repairs. They stated that because this was one insurance claim, they will hold the jointly issued dwelling funds until repairs are completed to both the dwelling and adjacent structures. I also received a separate check issued only in my name for adjacent structures, and the servicer told me to use those adjacent-structure funds to repair the dwelling while they continue holding the jointly issued dwelling funds. This is preventing me from starting or completing necessary dwelling repairs. I am requesting immediate release of the jointly issued funds under standard loss draft procedures, or a written explanation of the exact loan provision, investor guideline, or policy allowing them to withhold the funds this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IA

Complaint narrative:
On XX/XX/year>, my Cash App account was compromised by an unauthorized third party. The hackers used my account to funnel approximately {$19000.00} for XXXX transactions and stole my personal funds. I contacted Cash App support immediately on XX/XX/XXXX to report the unauthorized access. I was issued a case number [ Insert Case Number if you have it, otherwise leave blank ] and was explicitly told by a representative that a formal investigation would be completed within 10 business days. The Violation : As of today, XX/XX/year>, more than 30 business days have passed since my initial report. Cash App has failed to provide a resolution or an extension notice as required under Electronic Fund Transfer Act ( Regulation E ). Instead of returning my stolen funds or providing the results of the investigation, Cash App has closed all of my accounts, effectively locking me out of my remaining balance and preventing me from tracking the status of the fraud claim.

Company response to consumer: Closed with explanation