vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This complaint concerns procedural failures and lack of proper notice in the handling of a fraud claim. I am filing a formal complaint regarding the mishandling of a fraud claim by XXXX XXXX involving a fraudulent check in the amount of {$8400.00}, paid on XX/XX/XXXX. I reported the fraud on XX/XX/XXXX and submitted all requested documentation on XX/XX/XXXX ( Reference # : XXXX ). On XX/XX/XXXX, a Discover representative confirmed receipt of my documentation. However, upon following up on XX/XX/XXXX, I was informed that my case had been closed in XXXX XXXXprior to my submission of documentation. I was further told that a closure letter had likely been mailed, but XXXX has failed to provide any proof of such notice despite request. This sequence of events reflects significant procedural and compliance failures : * XXXX XXXX has not demonstrated that proper and timely notice of claim closure or denial was ever provided. A financial institution can not rely on a denial determination that was not effectively communicated to the consumer. * XXXX accepted and acknowledged documentation after the alleged closure date without disclosing that the case had already been closed, reflecting a breakdown in internal controls and case management. * I reasonably relied on XXXX representations that my claim was under review, which impaired my ability to take timely further action. * Representatives provided inconsistent and contradictory information regarding the claim status, further evidencing deficient oversight and communication practices. These failures raise concerns regarding XXXX adherence to fair error resolution procedures, recordkeeping, and consumer notification obligations. I am requesting : 1. A complete written explanation of the investigation, including the exact date of case closure and the basis for denial 2. Copies of all correspondence allegedly sent to me, including any closure or denial notices 3. Internal records reflecting receipt and handling of my submitted documentation 4. A formal review and reopening of this claim based on the procedural deficiencies outlined above If XXXX XXXX can not provide documented evidence of proper notice and consistent handling of this claim, the validity of the denial is in question and the matter should be reopened and adjudicated in good faith. Absent a satisfactory response, I will pursue further regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research, XXXX is a debt collector. They are falsely reporting on my credit! Account XXXXXXXX XXXX XXXX is falsely reporting credit file and is against my rights and fair credit act. Under XXXX Code XXXX of investigation consumer report, you are in violation.

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 2026-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/year>, I received a notification from credit report monitoring app XXXX XXXX that a new hard inquiry was placed on my credit report. I had not applied for any sort of loan or credit card that would have needed my credit to be hard checked and investigating into XXXX XXXX further I found that the hard inquiry was placed for a Sams Club credit card. I had never applied nor intended to apply for a Sams Club credit card and calling the bank, Synchrony, they were unable to find any information through my Social Security or address or name as to where this application came from. In trying to remove this hard credit inquiry from my credit report synchrony requires that I submit a report through the FTC or the bureau of consumer protections in order to take action to remove it from my credit report, even after a few months of follow up, no additional information was found by either contacting any of the credit bureaus or Synchrony bank.

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 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to send a XXXX payment of {$300.00} to an intended recipient ( XXXX XXXX ). However, due to a one-digit error in the phone number, the payment was mistakenly sent to a different individual ( XXXX XXXXt ) , whose phone number is nearly identical. This was a clear input error, not an intentional transfer to that recipient. Immediately after realizing the mistake, I contacted my bank and requested assistance in recovering the funds. I also attempted to contact the unintended recipient and requested a return of the funds, but they refused to return the money. I filed a claim with my bank, but it was denied on the basis that the transaction was authorized. However, this does not reflect the reality of the situation, as the payment was made to the wrong individual due to a simple digit entry error, and the recipient is knowingly retaining funds that do not belong to them. I specifically requested that the bank take additional steps, including contacting the recipients bank and attempting recovery of the funds, but no meaningful action was taken. Given the clear nature of the mistake and the refusal of the recipient to return the funds, I believe the bank did not take sufficient or reasonable steps to assist in resolving this issue. I am requesting that the bank reopen the case, conduct a proper investigation, and make a reasonable effort to recover the funds or provide a detailed explanation of why such recovery is not possible.

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 2026-05-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Money was taken out have account for because of data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
ONLINE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research, ONLINE XXXX is a debt collector. They are falsely reporting on my credit! Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is falsely reporting credit file and is against my rights and fair credit act. Under U.S. Code 16 of investigation consumer report, you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Subject : Unjustified XXXX-day fund holds by XX/XX/XXXX disrupting my primary business income Dear Sir/Madam, I am submitting a formal complaint regarding repeated and ongoing fund holds imposed by XX/XX/XXXX on payments sent to me by my customers. These payments are consistently being held for up to XX/XX/XXXX days without clear justification. This is no longer an isolated incident but a recurring pattern affecting multiple transactions. I operate a licensed passenger transportation service in XXXX, California, and these payments represent my primary source of income. Many of my clients are tourists who use XX/XX/XXXX as a convenient payment method. The extended holding of these funds is significantly disrupting my cash flow and directly impacting my ability to operate my business. XXXX actions raise serious concerns : There is no clear or transparent disclosure prior to placing holds The criteria for these holds are not explained Similar transactions are treated inconsistently No specific risk or violation has been communicated to me This practice is causing financial harm and creates an unfair burden on small service providers who rely on timely access to legitimately earned funds. I respectfully request : A clear explanation of the basis for these repeated fund holds A regulatory review of XXXX policies regarding extended holding of customer payments Appropriate action to ensure that small businesses are not unfairly impacted by such practices I am attaching screenshots of the held funds as supporting evidence. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: NY

Complaint narrative:
I requested a bill to be paid from my checking account in the amount of {$70.00} to my XXXX XXXXChime bank took the money from my account on XX/XX/XXXX and my card never received the check.to this day after XXXX calls and emails they are refusing to provide me with a copy of the check that they said they sent to my card and they are claiming that the check was cashed by my card.with no proof

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit report agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal secured loan account opened at XXXX XXXX XXXX XXXX date opened XX/XX/year>, account number : XXXX, and credit inquiries with XXXX XXXX on XX/XX/year>, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent reported. The aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint { case number } as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud

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 2026-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was unaware my homeowners insurance lapsed when it wasn't autorenewed by XXXX with my other coverage. As soon as I was aware, I renewed and paid for coverage for a full year starting XX/XX/year>. I am being charged by Wells Fargo {$1000.00} for the period of lapsed coverage, even though there was no incident or services provided during that time. While the lapse is unfortunate and unintended, it not an opportunity for Wells Fargo to take advantage and profit. The insurance was not used therefore I do not feel I owe the {$1000.00}

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 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
Over the last several months, I have been unable to use my debit card at any grocery store. This includes XXXX, XXXX, XXXX, XXXX XXXX, local grocery store. My card works at every other establishment. I have contacted USAA several times to try and resolve the issue. Each time I have called, they have told me they dont have an answer for my issue and I have spent 3 hours on the phone trying to resolve this with them. I attempted to cancel my card and get a new debit card which didnt work. I have also attempted to create a whole separate checking account which also didnt resolve the issue. The last time I called, USAA told me it was their AI system flagging any transaction at a grocery store and not authorizing the transaction. They told me there is nothing they can do and gave me no options to resolve. Each time I called, they claimed to document the issue and raise it to their superiors and that never occurred.

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 2026-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
We closed on the sale of our house on XX/XX/2026. Fifth-Third Bank received the loan payoff amount they provided to our closing agent prior to that date. On or around XX/XX/2026 Fifth-Third took an automatic mortgage payment from our bank resulting in an overpayment. On or around XX/XX/2026 I inquired about the over payment and a refund through the online chat tool. I was told that since the close had just occurred they didn't have access to my account information. I waited until XX/XX/2026 and called to inquire about our refund and was informed that a check had been issued for {$2500.00} on XX/XX/2026. On XX/XX/2026 we still hadn't received the check so I called again and the agent mentioned something about processing- when I said " so the check was never sent? '' they replied that it was sent on XX/XX/2026. They took my phone number and said someone would call me- it's XX/XX/2026 and no-one has called. I expressed my dissatisfaction that there was a process established for them to automatically take money from my bank to make the monthly mortgage payment, but it was interesting that they couldn't use that same process to automatically refund me the over payment. But who are we kidding.... It's all about the float. The longer they can keep my money ( and thousands if not millions of other customers ) the more money they make. GIVE ME MY MONEY BACK!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
On my credit a collection for the amount of {$330.00} showed up from a debt collector called radius global. I didnt open this account and have no knowledge of this 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 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MS

Complaint narrative:
MoneyGram processed a fraudulent and unauthorized electronic fund transfer using my XXXX XXXX debit card on XX/XX/year>, at XXXXXXXX XXXX XXXX for {$590.00} USD. I did not open a MoneyGram account, did not authorize any transaction, and have no relationship with any individual in XXXX, where the funds were picked up. The account and transaction were created without my knowledge or consent, constituting identity theft and unauthorized access to my financial information. Immediately after discovering the transaction, I reported the fraud to both MoneyGram and XXXX XXXX. MoneyGram refused to investigate, to disclose which identity verification methods were used, and to reverse the transaction. Shortly after my report, MoneyGram disabled the fraudulent account, which is a clear indication that their internal compliance systems flagged the activity as suspicious or noncompliant. Despite this, they continue to deny responsibility and refuse to refund the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Albert Corporation
State: CA

Complaint narrative:
I have been charged recurring monthly fees by Albert beginning in XX/XX/XXXX, totaling {$240.00} through XX/XX/XXXX. The charges ranged from {$8.00} to {$19.00} per month and were debited from my bank account via ACH. At the time of the initial transaction, I was under the impression that the funds were being deposited into a savings account to accrue interest, as the first debit appeared to be a small deposit into an Albert account. I did not knowingly understand that I was enrolling in an ongoing subscription with recurring monthly fees. When I became aware of the recurring charges, I attempted to stop them by removing my payment method and canceling my account. However, the platform does not allow me to remove my debit card or unlink my bank account, which prevented me from stopping the withdrawals. Additionally, I attempted to withdraw the remaining {$5.00} balance in my Albert XXXX, but the system requires me to add or re-link a debit card to complete the transfer, which I am not comfortable doing. I contacted Albert customer support and requested account cancellation, a refund of all charges, removal of my payment method, and the ability to withdraw my remaining balance. The company declined to issue a refund and instructed me to complete steps that are not functioning in order to cancel my account. I have formally revoked authorization for ACH debits with my bank and initiated a claim to prevent further withdrawals. I am requesting the following : * A full refund of {$240.00} in charges * Immediate account closure * Confirmation that no further charges will occur * Refund of the remaining {$5.00} balance in my account

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a statement of what has occurred to me on XX/XX/year>. XXXX XXXX in a XXXX XXXX XXXX XXXX approached me as I was walking the street returning to class. They asked me if I was a XXXX, and I said yes. Immediately, they said to help them for the sake of XXXX and therefore I handed them XXXX $ from my wallet as they asked nicely. They go on to say they want more as its not enough. They threatened me and told me to enter and travel to the nearest Chase bank with them as they asked who I bank with. They told me to withdraw whatever I have in my account and to act nice with them for the sake of my safety. I first made the withdrawal of XXXX, and XXXX. They wanted more, but I explained that Im only a college student and dont have enough. However, they wanted more and I gave them the last XXXX in my account. Once I handed them the money, they fled off. I immediately contacted two of my friends, as Ive never felt this scared in my life. I still feel XXXX from this as I didnt think this would be possible ever in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified credit reporting by Experian and associated furnishers and debt buyers, including XXXX XXXX XXXX and XXXX XXXX XXXX. I previously disputed these accounts, yet they were marked as verified without providing proper documentation. This violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i, which requires a reasonable investigation, and 1681e ( b ), which requires maximum possible accuracy. Additionally, under 15 U.S.C. 1681s-2, furnishers must not report information they know or should know is inaccurate and must correct or delete unverifiable data. These accounts are being reported with inconsistent balances, charge-off amounts, and ownership details. As debt buyers, these companies must also comply with the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692e and 1692g, which prohibit false representations and require proper validation of the debt. I have not been provided sufficient documentation, including any original agreement, full accounting, or proof of lawful ownership of these debts. The continued reporting of these accounts without proper verification is misleading and harmful to my credit. I am requesting that all inaccurate, incomplete, or unverifiable information be immediately corrected or deleted from my credit report. 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 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: PA

Complaint narrative:
On XX/XX/year> I received a phone call from MRS BPO regarding a {$99.00} debt that I supposedly owed to XXXX and that had been sent to a collections agency. After checking both my XXXX account and my credit report, I confirmed that this debt is fictitious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: IN

Complaint narrative:
I surrender the car back in XXXX i told them where the car is and they still haven't gotten the car which its at a car dealership. There calling texting and leaving crazy voicemails.

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