vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 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: CA

Complaint narrative:
I requested a validation of the items appearing on my report without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO Bank has locked my business funds, refuses to verify my identity remotely, and their document portal is failing to show the files I upload, cutting off my business capital. ''

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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint as a procedural follow-up to CFPB complaint XXXX ( Capital One, account XXXX XXXXXXXX, originally filed XX/XX/XXXX ) and to document new facts that have developed since that complaint was closed. Capital One XXXX procedural deflection on the first complaint On XXXX, Capital One responded to complaint XXXX with a status of " Authorization needed '' claiming the company needed authorization from me to proceed with the complaint. The complaint was then closed without substantive response and without an opportunity for me to submit feedback marking the response as inadequate. This response is structurally non-responsive on its face. My original complaint explicitly stated that I am an Authorized User on the account, that Capital One does not accept account-change requests from non-primary users, and that only the primary cardholder has authority to make changes. The " authorization '' Capital One is demanding from me to proceed with the CFPB complaint is precisely the authorization Capital One XXXX own account-servicing policies do not allow me to give. This is a circular obstacle designed to push Authorized User complaints out of CFPB review without addressing the FCRA XXXX ( a ) ( XXXX ) ( A ) accuracy issue. The substantive issue remains The underlying tradeline ( Capital One XXXX XXXX, opened XX/XX/XXXX, {$2400.00} balance / {$2000.00} credit limit / 121 % utilization / XXXX days past due, currently reported to my XXXX XXXX file ) continues to communicate to credit users that I personally bear responsibility for a {$2400.00} delinquent revolving debt that I have no contractual liability for. This continues to violate FCRA XXXX ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Citibank Customer Service, I am writing to express my frustration regarding the process of obtaining my settlement letter after paying off my account on XX/XX/year> for {$3800.00} to cover a {$7200.00} debt. I was initially informed from collections that I needed to wait 15 days after payment was made for the settlement paid-in-full letter to be issued. During that conversation, I asked whether the letter would be sent automatically, and I was told that I would need to call back to request it. Over the past two weeks, I have called multiple times to confirm the steps needed to receive this letter. Each time, I was told to wait 15 days and that the letter would be sent. However, when I called today, I was told there is no guarantee the letter will be sent, as there is no guarantee the account will be fully XXXX out by that time. This is unacceptable. I urgently need a settlement letter confirming that my balance has been paid in full for employment purposes. At this point, it feels as though I must continuously call back and follow up for something that should be an automatic process. Customers should not have to repeatedly check whether their account has been XXXX out or if their letter will be issued. I acknowledge that the account previously became delinquent and charged off, and I take responsibility for that. However, I have made the payment and fulfilled my obligation. I am now simply requesting the documentation reflecting that the account has been settled. Given the urgency of my situation, I am asking for your assistance and compassion in expediting this process. I should not have to continue calling daily for a letter I have already been requesting for two weeks. This delay is directly impacting my ability to secure a job, and I need this matter resolved immediately. I kindly request that the settlement letter be issued and sent to me as soon as possible. Thank you for your prompt attention to this matter. 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 explanation
Consumer complaint received 2026-05-21 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: NC

Complaint narrative:
On XX/XX/year>XXXX at XXXXXXXX XXXX eastern time, my social security XXXX pay was sent to my Cashapp account like it has for several years now and for some reason, cash app sent it back to social security. I called so I'll security and was told there is no negative issues with my disability account and they did not understand why it was returned. I called cash app. Corp. And I am STILL waiting for an answer AND MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: DSR HOLDINGS GROUP, LLC
State: FL

Complaint narrative:
I have no idea of the alleged debt. I do have screenshots my XXXX sent me with the telephone number of XXXX MLS GROUP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XX/XX/year> I opened new accounts at Bank of America in XXXX XXXX XXXX. I deposited a cashiers check from XXXX XXXX Bank in the amount of {$78000.00} as I was changing banks. Check was deposited in person and verified by the associate ( # XXXX ). I was advised, although verified there is a customary XXXX to 5 day hold on new accounts and large deposits. Shortly thereafter I began receiving HOLD messages from the bank related to the cashiers check whith each message dictating different hold reasons and release dates. On returning to the bank on XXXX XXXX as to inquire about the issue I was simply ignored to where the associate stated " I cant help you '' and walked away. After many hours on the phone with customer service I was repeatedly given varied answers and advised to just wait with no reason or explanation. Each time I spoke to customer service the hold suddenly extended. This cashiers check was verified on the date it was deposited by both BOA and XXXX XXXX. While the funds are on hold the account is receiving " interest '' from same. I believe BOA is unlawfully holding funds that were cleared yet not posted to my account. Customer service reps. did not deny this just stated " It's just the system '' " cant help '' " you'll have to wait '' I believe that this is intentional and if not then it is utter incompetence and at an extreme expense to me. Thank you for your anticipated assistance in this matter. 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 monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Upgrade keeps declining my payments. And then when I try to fix the amount, that amount gets declined as well. I am tired of this company always moving the target so that they can rack up more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have been a Bank of America credit card customer since XXXX with a perfect payment history no late payments in nearly six years on this account. In XX/XX/XXXX, a recurring autopay I had set up failed to draft from my account. This resulted in a late payment the first and only late payment in the entire history of my account with Bank of America. As soon as I became aware of the missed payment, I contacted Bank of America and brought the account current. During that call, Bank of America acknowledged my long-standing perfect payment history and refunded the late fee as a courtesy, indicating that this was an isolated error rather than a pattern of delinquency. However, the representative stated that Bank of America could not remove or correct the derogatory late-payment mark reported to the credit bureaus, and suggested I dispute it directly with the bureaus using a screenshot of the fee refund. This is not a process the credit bureaus actually honor, as they verify disputed information directly with the furnisher ( Bank of America ) rather than acting on consumer-provided documentation. I am requesting that Bank of America submit a correction to XXXX, XXXX, and XXXX to remove the late-payment notation from XX/XX/XXXX, consistent with their own acknowledgment via the fee refund that this was an isolated autopay failure on an account otherwise in good standing. A single reporting error following nearly six years of flawless payment history is causing disproportionate harm to my credit profile, and the furnisher not the bureaus is the only party with authority to correct it.

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding American Express XXXX Checking account ending in XXXX. I mailed a legitimate escrow refund check in the amount of {$320000.00} payable to my business entity, for deposit into my American Express XXXX Checking account. The check was valid, properly signed, and issued by the Escrow Company from a legitimate escrow transaction. American Express rejected the deposit and mailed me only a generic rejection letter listing multiple possible reasons without identifying the actual reason for rejection. More concerning, they did not return the original negotiable instrument and instead mailed only a photocopy/image of the check. This has created significant concern and potential financial risk because : * I no longer possess the original negotiable check. * American Express has not clearly explained whether the original check was destroyed, retained, converted electronically, or remains negotiable. * I have been placed in a position where I may need to request a stop payment and reissuance of a six-figure escrow refund check unnecessarily. * The lack of transparency regarding the status and handling of the original check is unacceptable for a financial institution handling large business transactions. I am requesting that American Express : 1. Provide a clear written explanation for the exact reason the deposit was rejected. 2. Confirm the status and disposition of the original physical check. 3. Confirm whether the original check remains negotiable or was destroyed. 4. Explain why only a copy was returned instead of the original instrument. 5. Review their handling procedures for large business check deposits and improve transparency for customers. This situation has caused unnecessary stress, delay, and potential financial exposure involving substantial escrow funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I entered into a {$53000.00} installment loan with GoodLeap, LLC ( Loan Agreement Number : XXXX ) through XXXX XXXX XXXX for solar panel installation at my residence. The loan term is 20 years at 5.99 % APR. The loan contained a two-tier payment structure that was not clearly explained to me at the time of signing. My initial payment was {$280.00} for the first 18 months. I was not adequately informed that unless I made an additional lump sum payment equal to 30 % of my loan balance ( {$16000.00} ) by XX/XX/XXXX, my payment would increase and the loan would re-amortize causing the vast majority of payments to go toward interest rather than principal. After nearly 2 years of payments totaling over {$10000.00}, only approximately {$2000.00} has been applied to my principal balance. The loan was presented by a XXXX sales representative on an XXXX at my home with little time to review the terms before signing. I sent a written request by mail to GoodLeap requesting a full payment accounting showing how each payment has been applied to principal versus interest. I have not received a satisfactory response. GoodLeap also has a UCC lien on my property which is preventing me from refinancing with another lender. I have also filed complaints with the California XXXX XXXX XXXX XXXX and Innovation against both GoodLeap and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint because Fifth Third Bank engaged in unfair and misleading customer service practices that directly resulted in the wrongful, sudden administrative closure of my checking account while an active dispute was pending. During the month of XX/XX/year>, I contacted Fifth Third Bank 's customer service lines XXXX XXXX to dispute an unfair overdraft fee. Because I was routed through an extensive maze of internal transfers and shifted between multiple departments across these various calls, the process was incredibly chaotic. During these interactions, a representative explicitly instructed me that the timeframe for an internal investigation and resolution would be " maybe 5 days '' and told me to " call back in that time. '' Based entirely on the bank 's direct customer service instruction to wait out this window, I held off on taking structural account actions while expecting their internal update. Instead of honoring the timeline their own agent provided, Fifth Third Bank XXXX automated collection system forcefully shut down and terminated my account for non-payment before that window had even elapsed. The bank penalized me for following the exact instructions given to me by their representative. Because of the sheer volume of transfers and disconnects, I am demanding that Fifth Third XXXX XXXX XXXX Unit audit and pull the complete telephony routing log and all associated audio recordings for my incoming phone number : ( as mentioned not to include personal info. I will be providing the number upon request ). This audit must cover all interactions from XX/XX/year>, through today, XX/XX/year>. Listening to their own internal telecom tapes will explicitly verify that I was told to wait. The bank XXXX systemic failure to coordinate its front-line customer service directives with its automated backend closure infrastructure has caused me severe administrative distress and threatens imminent, unfair damage to my consumer banking profile via XXXX and XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
My SoFi bank account was hacked and {$2500.00} was stolen without my permission or knowledge via a XXXX transaction. SoFi denied this dispute/claim and says that the transaction was correct. This occurred around XXXX PDT XXXX XX/XX/year>. XXXX Transfer ID XXXX I have filed a report with the police and the Internet Crime Complaint Center.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
on the following dates I submitted to the credit burrows information on my credit that was not verified by the credit XXXX and they respond back with no proof that these items was my items XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE creditors are calling me asking for personal information all hours of the day and after working hours and XXXX credit say they would sue if I didn't respond in a timely matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have received multiple emails regarding amount owed and to contact to make a payment. I am getting final notices and threaten to contact a lawyer. Theyre failing to send records of payment and balances.

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 2026-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I am reaching out regarding my Caine & Weiner collection account with a reported balance of {$320.00}. I previously spoke with a rep, who advised me that if I paid the balance in full, also know as a pay to delete. The account would be processed as a pay for delete and removed from my credit profile. The payment has already been made ; however, as of today, the account is still reporting on my credit profile and is not even reflecting as paid. This is extremely concerning, as I relied on the representation made by there office before submitting payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: ME

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid XXXX XXXX bring to $XXXX.\n\nThis has been happening for months. I pay below the balance to get a new statement with XXXX XXXX XXXX XXXX XXXXees! Really each month and no this is not in the original contract.\n\nI have tried to pay off and close account. This is extremely predatory in nature!\n\nHere the letters I sent\nCorrespondence Address:\nConcora Credit\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Whom It May Concern,\nI am formally requesting the immediate closure of my credit card account effective immediately due to ongoing unfair charging practices and concerns regarding the handling of my account.\n\nI have experienced charges, fees, and/or account practices that I believe are unreasonable, misleading, and financially harmful. Despite attempts to address these concerns, I no longer have confidence in continuing a business relationship with your company.\n\nPlease consider this written notice as my official request to:\n\nClose my credit card account immediately\nPrevent any future charges or automatic transactions from processing\nProvide written confirmation that the account has been closed\nSend a final statement reflecting the remaining balance, if any\nI also request that this closure be reported to the credit bureaus as closed at consumers request.\n\nIf there are any additional steps required to complete this process, please notify me promptly in writing.\n\nThank you for your immediate attention to this matter.\n\nSincerely,\XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Hello, I recently received my Concora Credit card and made my first purchase. After reviewing my account, I noticed a {$250.00} annual fee that I was not clearly informed about. I am requesting an immediate reversal and removal of this annual fee from my account. Since the account is new and recently opened, I would like this matter resolved immediately. If the fee can not be removed, I am requesting immediate closure of the account with written confirmation that I will not be responsible for this charge. Please review and resolve this issue as soon as possible. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation