vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, Wells Fargo sent multiple automated texts, stating there were suspicious transactions and fraud occurring on my account. This was followed up by XXXX phone calls from Wells Fargo which verified that what has occurred was fraud and verifying that I had my physical debit card in hand at this time, I still have the physical debit card in hand, and it has not left my possession. During the call, the card was not locked by Wells Fargo and additional fraud occurred during the duration of the phone calls. This fraud was via debit card, as well as an unauthorized phone transaction, made by an outside number, transferring funds from XXXX account to the next. 

Once the card was finally shut off and accounts were closed and reopened with new numbers, claims were processed via over the phone communication. XXXX days later, Wells Fargo has updated the claim, denying all forms of the claim, stating a physical card was used. At this time, they do not wish to reopen or reinspect the claim, and there has been no evidence shown from the ATM that was used, or the phone number that was called in on to make the transaction into the account linked with the card being used as fraud. This occurred at a Wells Fargo branch, which has multiple cameras and can be properly reviewed.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I opened a new Capital One checking account and deposited a check via mobile deposit related to what I later discovered was an employment scam. I did not withdraw, transfer, or use any of the funds and retained possession of the original check that was emailed to me. 

Upon recognizing the scam, I sought to cooperate fully and requested a manual compliance review. Despite my willingness to provide documentation and assist with verification, my account remains restricted without clear explanation of the review process, required documentation, or whether this matter will result in reporting to consumer banking agencies such as XXXX  or XXXX XXXX XXXX. 

I am requesting that Capital One : - Conduct a documented manual compliance review - Allow submission of supporting documentation - Clearly disclose whether any consumer reporting will occur I believe transparency and proper review are warranted, as I acted in good faith and did not benefit from the attempted transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-13 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am submitting this complaint regarding continued credit reporting, interest accrual, and collection activity on a credit card account that is the subject of an active fraud dispute and a pending CFPB complaint.

The underlying balance on this account consists of unauthorized transactions that Chase initially misclassified. Chases Executive Office later acknowledged that the matter should have been handled as fraud, not a billing dispute, and that further investigation was required. A police report was submitted and acknowledged by Chase.

Despite having actual notice of : an active fraud investigation, a pending CFPB complaint ( ID XXXX ), and written notice disputing the full balance, Chase has continued to : report the account as past due to credit bureaus, accrue interest on the disputed balance, send payment and collection notices, and allow the reported balance to increase monthly.

As a result, my credit score has dropped by approximately XXXX points, despite a long history of on-time payments and no prior delinquencies.

This conduct appears inconsistent with Chases obligations under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ), which require creditors to properly mark accounts as disputed and to refrain from adverse credit reporting or improper collection activity while a dispute is under active review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is a follow-up complaint regarding inaccurate and improperly verified information on my TransUnion credit report. 

I am writing about the XXXX XXXX account listed on my TransUnion credit report. 

Account Information : Creditor/Collector : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  This account was previously disputed and is now marked as verified. I am requesting clarification on how this verification was completed.

The account is reported as closed with a balance of {$6500.00}, yet it continues to show a derogatory collection or charge-off status. There are inconsistencies between the reported balance, the account status, and other disputed information. This includes post-move-out charges and fees that I have already challenged.

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 2026-01-13 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: AL

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXis 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 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a complaint against Synchrony Bank ( CareCredit ) for repeated system failures that prevented me from making timely payments, followed by unfair and inaccurate negative credit reporting.

On multiple occasions, Synchrony Banks online payment portal was unavailable or non-functional, preventing me from submitting payments. When I attempted to resolve this by paying over the phone, those payment attempts also failed numerous times due to system issues on their end. These failures were not isolated incidents ; they occurred repeatedly over an extended period.

I proactively contacted Synchrony Banks internal customer service and technical support teams and documented these issues with them at the time they occurred. I made good-faith efforts to pay my account on time and took reasonable steps to resolve the problem, yet I was unable to complete payments solely due to Synchrony Banks system outages and payment processing failures.

Despite having notice of these issues and documentation of my attempts to pay, Synchrony Bank still applied multiple late payment remarks to my credit history. These derogatory marks are inaccurate and unfair, as the late payments were the direct result of Synchrony Banks system failuresnot my unwillingness or inability to pay.

This has caused unwarranted harm to my credit profile and constitutes improper credit reporting for circumstances entirely outside my control.

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 2026-01-13 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My wallet was stolen from my apartment complex parking lot. The apartment management confirmed the theft through security camera footage and email correspondence with me. Three credit cards were stolen during this incident. 

Unauthorized charges totaling approximately {$400.00} were made on my Apple Card after the theft. I was not in possession of the card at the time of the transactions and did not authorize them. 

I immediately reported the theft, filed a police report, and notified Apple Card / Goldman Sachs. I provided all requested documentation, including the police report and confirmation from my apartment complex. 

Two other card issuers whose cards were stolen resolved the fraud appropriately.XXXX  even sent me a fraud alert. 
Apple Card is the only issuer that denied the dispute, stating that the transaction was authorized. This determination is incorrect. Merchant authorization does not equal cardholder authorization, particularly when the card was stolen and supporting evidence exists. 

Under the Fair Credit Billing Act and Regulation Z, I am not liable for unauthorized credit card transactions. I complied with all reporting and documentation requirements. 

I am requesting that Goldman Sachs correct this billing error, remove the unauthorized charges, and bring the account into compliance with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: NJ

Complaint narrative:
I opened a Self credit card and deposited funds on XX/XX/XXXX. I never received the physical card, so I couldnt use the account. I requested the account be closed and the annual fee waived. I was promised a refund by XX/XX/XXXX, but it has not been sent. Their support confirmed the refund is still pending despite the promised date. 

Deposit date : XX/XX/XXXX Account closure request : XXXX business days ago Promised refund date : XX/XX/XXXX Screenshot of chat confirming refund not sent Your contact info and bank ( for reference only )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: AL

Complaint narrative:
DIV ADJ SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research DIV ADJ SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/year>, I attempted to deposit {$5000.00} in cash at a Bank of America ATM to pay my credit card. I used only {$50.00} and {$100.00} bills. 

On the first attempt, the ATM miscounted the cash. I was given the option to cancel, and the machine returned my money. I immediately tried again. 

On the second attempt, the ATM again miscounted the deposit as {$4400.00}, shorting me {$510.00}. This amount is mathematically impossible given the denominations I used. Unlike the first attempt, I was NOT given the option to cancel or retrieve my cash. The machine accepted the money and completed the transaction without allowing me to stop it. I was also NOT given a printed receipt. 

Within seconds, while still standing at the ATM, I called Bank of America, provided the ATM number and location, and fully explained that : The ATM miscounted my cash, I was not given a chance to cancel the second transaction, The ATM kept my money, And no receipt was printed. 

Despite this, Bank of America has sent me two identical responses stating they did not find a cash payment for {$510.00}, which completely misstates my claim. I am not disputing a {$510.00} payment. I am reporting that {$510.00} of my {$5000.00} deposit was missing or miscounted by the ATM. 

I later sent a formal written escalation requesting ATM balancing records, audit reports, surveillance review, and escalation under Regulation E. I received no response. 

Bank of America has failed to conduct a reasonable investigation as required under Regulation E and continues to loop my complaint without addressing the actual discrepancy, the lack of cancellation option, or the missing receipt. 

I am requesting that CFPB require Bank of America to conduct a full reinvestigation, including ATM balancing and surveillance review, and credit the missing {$510.00}.

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 monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a mortgage loan for an investment property. From my very first email with the loan officer, I clearly stated that this was an investment purchase. The purchase price was {$920000.00}, and the transaction included a {$40000.00} seller credit ( approximately 4 % ). 

On XX/XX/XXXX, I emailed the loan officer asking explicitly how much seller/builder credit could be accepted for an investment property, including use for closing costs and rate buydown. He asked me to call him. During that phone call, he told me that the full {$40000.00} seller credit was allowable. I relied on this representation. 

Based on that guidance, I proceeded with the offer. The offer became mutual on XX/XX/XXXX and clearly listed : Purchase price : {$920000.00} Seller credit : {$40000.00} toward buyers closing costs Closing date : XX/XX/year> These terms were sent directly to the loan officer. 

After approximately XXXX  days of underwriting, I received written confirmation on XX/XX/XXXX that my loan was final approved and sent to the closing department. At no point during underwriting was I told there was any issue with the seller credit. 

However, on the morning of closing, the loan officer called me and informed me for the first time that the full {$40000.00} seller credit was not allowable and that only XXXX XXXX could be accepted. I was told that the previously discussed structure was not allowed and that I could either proceed under the reduced credit or risk losing my earnest money. 

At that point : - The loan had already been approved - Closing documents were prepared - My earnest money was at risk - I had no practical ability to change lenders or renegotiate - I was forced to proceed and absorb a financial loss of {$21000.00}. 


Why this is a problem XXXX ) The loan officer provided incorrect and misleading information regarding allowable XXXX ) seller credits for an investment property. 
XXXX ) I relied on that guidance in structuring the transaction. 
XXXX ) The lender failed to identify or disclose this issue during underwriting. 
XXXX ) The correction was made at the last possible moment, when I had no reasonable alternative. 
XXXX ) This caused direct, quantifiable financial harm. 
XXXX ) After closing, I attempted to resolve this internally. Management confirmed the matter was escalated to senior management, compliance, and legal. Despite multiple follow-ups over more than a month, I received no substantive response or timeline, only statements that they were waiting for guidance.

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 2026-01-13 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
I found fraudulent charges on my accounts on XX/XX/year> and all one company have resolved these issues for me. PayPal Digital gifts I have discussed with them several times that the charges were Fradulent and I did not authorize the charges but PayPal closed the cases stating they were authorized charges. I appealed this but they continously the charges were authorized but I did not authorize them.My card was hacked and closed after I found the first transactions on XXXX XXXX. If they were really reviewing the charges, they would see that the charges of digital gift cards were all similar and were I was reporting a problem with them as soon as they appeared. The cases and amounts are for {$500.00} and {$100.00} on XX/XX/year>. I received an email from stating that the cases were closed in favor of the seller because these were recurring charges. Yes, they were recurring charges but I did not make them. I don't know how to proceed with this so I am hoping you may be able to guide me in what the next step I need to take? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
Account Reference XXXX / Debtor ID XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

The alleged balance arises from a retail installment contract with XXXX, which entered bankruptcy and ceased operations before providing the full scope of services promised under the agreement. While limited goods may have been received, XXXX failed to deliver material components of the contracted services, including but not limited to ongoing treatment monitoring, retainer adjustments, follow-up care, and provider support. 

As a result, this account is subject to failure of consideration and breach of contract. Under the terms of the contract itself, any holder of the contract is subject to all claims and defenses that may be asserted against the original seller. Accordingly, this alleged debt is not valid or enforceable. 

I dispute the amount in its entirety and request that you cease all collection activity unless and until you can provide competent evidence establishing an enforceable obligation, including proof that the full contracted services were rendered. 

Please confirm in writing that this account has been closed or returned to the original creditor and that no further collection activity will occur. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: OK

Complaint narrative:
On or about XX/XX/year>, I received a marketing email from Prosper indicating that I was eligible for a personal loan and inviting me to apply. Based on this representation, I proceeded with the application in good faith and selected a {$5000.00} loan amount. 

I completed the application steps and electronically signed the loan agreement. After the agreement was signed, Prosper conducted a hard credit inquiry as part of its verification process.

Following the hard inquiry, Prosper canceled my loan application and suspended my account for XXXX days. Prosper later stated that the hard inquiry will be removed, but did not provide written confirmation, documentation, or proof that the credit bureaus have been instructed to delete it. 

I requested an explanation for the cancellation after signing, clarification regarding the XXXXday account suspension, and confirmation of the removal of the hard inquiry from all credit bureaus. Prosper responded by directing me to a generic Adverse Action Notice and stated it had no additional information.

I believe Prosper engaged in confusing and misleading advertising by marketing a loan offer that resulted in a hard credit inquiry and denial after agreement, without clear upfront disclosure. I am requesting confirmation that the hard inquiry has been removed from all credit bureaus and a written explanation for the cancellation and account suspension.

Company response to consumer: Closed with explanation