vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: AL

Complaint narrative:
I started receiving calls constantly the month of XXXX, from a company called XXXX and XXXX. I have been recovering from XXXX and finally was well enough to answer the call. I spoke to someone name XXXX who was very rude and wouldn't let me explain anything. She asked for my date of birth and address. She began to say I had a debt that needed to be paid Immediately! I asked for the name of the debtor, she said Balance Credit. I told her I had no idea who the company was, and it couldn't be my debt. She said debt was open in XX/XX/year>. I told her I filed XXXX XXXX bankruptcy XX/XX/year> it definitely wasn't my debt. She became angry and kept trying to overtalk me. She said don't worry it's your debt and hung up the phone. The debt is now on my credit report for {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: OK

Complaint narrative:
On or around XX/XX/XXXX, my business-owned vehicle, a XXXX XXXX XXXX XXXX , was wrongfully repossessed. The vehicle is titled in the name of my business, XXXX XXXX, and there is no active lien or loan against the vehicle. The title is clear and solely in my companys name. The repossession occurred without any notice, explanation, or legal basis. Because there is no lienholder attached to the vehicle, there should have been no party with the legal authority to repossess it. After discovering the vehicle had been taken, I began contacting the parties involved in the repossession process to determine where the vehicle was located and to arrange for its release. I was informed that the vehicle had been sent to an auction yard and was listed for sale around XX/XX/XXXX. Despite multiple attempts to resolve the issue and provide proof of ownership, the companies involved have refused to disclose the exact location of the vehicle or release it back to my business. I have clearly explained that the vehicle is owned outright by XXXX XXXX and that no lender has a valid claim to it. However, the repossession company and related parties continue to withhold information about the vehicles location and have not taken steps to correct the error. This situation has caused significant disruption and financial harm to my business, as the vehicle is a company asset that was taken without lawful authority. I am requesting immediate assistance in locating the vehicle, stopping any attempted sale, and ensuring the vehicle is returned to my business as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
So I refinanced my Loan with United Wholesale Morgage ( UWM ) last XXXX, since them, when I received my first letter, I been trying to set up my account on their website and app, but every single time it says that my account or SSN doesn't exist, I made 5 phone call with the company, where agents tell to fix the problem, and nothing, I send my payment true my chequing account every month at the 2nd my due day, and every month I receive a call 4 or 5 days later from their automatic system, that is a call from collection, I think that this is harassment, their collection system recognize my loan, but their regular automatic system doesn't, and even talking with them 5 times and explaining the problem, they don't do nothing about it, That's is the reason of my complain, and unfortunately I can't just go with other companies, because I have to wait for 270 day to do it, and if I change by own it apply closing cost, and that is not feasible for not one

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
When i filed my taxes i was issued a temp card after leaving the XXXX XXXX office my address was changed and a new caard was mailed to another address .. oon XX/XX/XXXX i recieved a email about a possible fraud tranasction.. i called that day and raised a dispute on XXXX tranactions. i was informed that sincr the address had On XX/XX/XXXX, when I didn't receive a credit, I called into the customer service. I was told that I would receive a credit for the disputed transactions by XX/XX/XXXX. On XX/XX/XXXX, when I didn't receive a credit, I called into the customer service. I was informed that I I would be receiving a credit within XXXX hours after XXXX hours and I did not receive the credit. I called back in and was informed again by a supervisor that because these were fraudulent transactions and the address had been changed that I would receive that credit. On XX/XX/XXXX at XXXX XXXX I started receiving emails notifying me that they had denied all of my dispute based on the fact that my card had been used and that it was consistent with my historical data. I live in a very small town. We only have one of every store, but most of the transactions that were completed. We're not trans transaction I had ever done before. I also never had possession of this particular card. They are refusing to refund any of my money. They are refusing to send me the documents that they used to provide it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: IN

Complaint narrative:
They are charging me {$160.00} bill cycle fee every two weeks. I have already paid {$1100.00} in bill cycle fees last year and {$790.00} this year. The initial loan was for {$2000.00}. And I pay {$170.00} bi weekly. But they are saying I still owe {$1900.00}. Only {$19.00} is going towards the loan at this point and the rest is too a bill cycle feee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: CA

Complaint narrative:
My account with Wise was closed on XX/XX/year>. At the time of closure, I received a notification stating that the remaining balance in the account would be refunded to me within 10 business days. After the account was closed, my funds remained in the account, and no refund was processed within the promised timeframe. I waited beyond the 10 business days as instructed, but the funds were still not returned. Over the following weeks, I contacted Wise support multiple times requesting an update and asking for the release of my funds. Despite these attempts, the funds have remained held by Wise for more than two months since the account closure date. No clear explanation or definite timeline for the refund has been provided to me. I have informed the company that I am willing to provide alternative bank account details or any required documentation to facilitate the transfer of the funds. However, the issue remains unresolved and my funds have still not been released. I am requesting assistance to ensure that Wise processes the refund of the remaining balance from my closed account as soon as possible, since the promised 10-business-day refund period has already passed by a significant amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My bank accounts were recently restricted and closed by Capital One after a review of my account activity. The bank stated that the reason was related to overdrafts. However, this situation has caused a serious hardship for me and my XXXX child. I receive Social Security XXXX payments ( SSI ), which are my only source of income. My child, who is XXXX, XXXX, and XXXX, also receives SSI benefits that I manage on his behalf. Recently, Social Security deposited our benefits into our accounts, but Capital One returned the deposits and restricted access to the accounts. Because of this, I currently do not have access to the funds that we rely on for basic living expenses. The bank closed both my account and the account I manage for my XXXX child without providing a clear explanation or giving me the opportunity to resolve the situation. These benefits are essential for our daily needs, and the sudden restriction and return of the deposits has placed us in a very difficult financial situation. I am requesting an immediate explanation for why the accounts were closed and why the Social Security deposits were returned. I also request that any remaining funds in the accounts be released to me as soon as possible, since these funds are XXXX benefits that we depend on for basic living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Wellness LLC
State: NM

Complaint narrative:
I had been receiving messages from a debt collector claiming to be from XXXX XXXX. Because I wanted to verify whether the message was legitimate, I searched online for a phone number associated with XXXX and called ( XXXX ) XXXX it looks like this number is actually associated with Credit Wellness During the call, the representative did not clearly identify the company they worked for. I believed I was calling a number related to XXXX in order to verify the debt collector message. The representative told me they could run a {$1.00} credit check to help verify the legitimacy of the debt collector communication. Based on this explanation, I agreed to the {$1.00} charge. At no point during the call was I told that this charge would enroll me in a recurring subscription service. After the call, I discovered that I had been enrolled in a membership associated with XXXX that involved ongoing charges. I did not knowingly authorize or agree to any subscription service. I contacted the company to dispute the charge. The membership was cancelled and the charges were refunded after I raised the issue and escalated it. I am submitting this complaint because I believe I was misled during the phone call and enrolled in a subscription service without clear disclosure or authorization while attempting to verify a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: MD

Complaint narrative:
I am requesting a refund of {$1600.00} for 72 months of unauthorized 'Zombie Billing ' by Square ( Block , Inc. ). Following the sale of my business in XXXX, I did not transfer my Square account ; the new owner established a separate account. However, my legacy account ( XXXX XXXX XXXX ) became entirely inaccessible to me in XX/XX/XXXXXXXX when the email address on file was deactivated, locking me out of the dashboard. On XX/XX/XXXX, I held a 54-minute verification call with Square Support beginning at XXXXXXXX XXXX EST. After verifying my identity via the last XXXX digits of my Social Security Number, the representative located the 'ghost ' account and confirmed it had zero logins and zero transactions for the entire 6-year period. Square admitted the account was misspelled as 'XXXX XXXX on my bank records ( Account ending in XXXX ). This clerical error by Square is the sole reason I was denied support in early XXXX, as Square 's system could not locate my account under my legal name. Square has now deactivated the account but refused a refund, erroneously claiming a 'failure to follow procedure ' for an account I was physically prevented from accessing due to their own data errors. I further request reimbursement for {$460.00} in bank overdraft penalties ( 13 occurrences ) caused directly by these unauthorized debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: NY

Complaint narrative:
RE : Dispute of Inaccurate Credit Information To Whom It May Concern, I am disputing the following collection account on my XXXX credit report : Creditor : Professional Debt Mediation Original Creditor : XXXX XXXXXXXX Account Number : XXXX Reported Balance : {$72.00} This account is inaccurate. I did not receive proper notice or validation of this alleged debt. I am requesting verification of this account and proof that it is being reported correctly. If the furnisher can not validate this account, it must be removed from my credit report. Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IN

Complaint narrative:
I have been reaching out for plf for over a year. I meet qualifying payments.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/year>XXXX I sent a money transfer through Western Union. The transfer has never been paid to the receiver and the funds have not been returned to me. I contacted Western Union multiple times to request assistance and an investigation. Initially I was told to wait 20 days for the investigation to be completed. After that period, I was told to wait an additional 24 hours. Later they asked me to wait another 9 days, and finally another 48 hours. Despite complying with all the waiting periods requested by Western Union, as of today the company has not provided any resolution, payment to the receiver, or refund of the money. More than a month has passed since the transfer was sent, and the funds remain unavailable. I am requesting immediate resolution : either the transfer must be paid to the receiver or the full amount refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I have been receiving collection calls regarding alleged student loan accounts however, when reviewing the accounts listed on my credit report, none of my personal identifying information appears to be associated with these accounts. Because of this discrepancy, I am disputing the accuracy of the reporting. I am requesting full verification of the debt, including documentation showing that the accounts belong to me and that the information being reported is accurate.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My Capital One credit card was restricted for identity verification approximately one week after it was activated. I submitted all requested documentation immediately. When I called to resolve the issue, I was told it was outside business hours and that I would need to wait 110 business days for processing. When I asked where I had agreed to those terms, the representative ( Employee ID : XXXX, XXXX, Fraud and Disputes department, XXXX call center ) was unable to answer. He was dismissive and rude throughout the call, refused to escalate me to a supervisor, and could not answer basic questions about the restriction or the verification process. I also asked about obtaining a recording of the call and was told one was not available. I did not consent to a one-sided recording policy and was never informed of such a policy. This restriction is causing immediate financial harm. I have recurring charges tied to this card for critical obligations including my car loan, apartment lease, office lease, and phone service. If these payments are declined due to Capital One 's restriction, I face potential late fees, penalties, and damage to other financial relationships through no fault of my own. I have fully complied with every verification request and there is no legitimate basis to continue restricting my account. I am requesting that Capital One immediately lift the restriction on my account and review the conduct of this representative ( Employee ID : XXXX ) and take appropriate action. This experience is unacceptable for a card activated only one week ago and I expect urgent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A credit card account was opened without my knowledge or consent. I saw the credit card on my creditkarma report on XX/XX/XXXX. The account is called SYNCB/XXXX. The account was opened on XX/XX/XXXX. The reported balance is XXXX. I have never received a physical card, so I do not have any information on the card number or other details. I called synchrony bank in late XXXX to dispute the account. Synchrony Bank could not find the account under my name. They requested my Social Security number, which I refused to provide, given that I feel identity theft is involved in this case. I asked them to look up my name and address, and they refused to find another way to locate the account. I also disputed the unauthorized account with XXXX on XX/XX/XXXX. The dispute number is XXXX. XXXX denied the dispute on XX/XX/XXXX. I called XXXX to inquire about the dispute denial on XX/XX/XXXX. XXXX directed me to submit a complaint to CFPB.

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 2026-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally filing this CFPB complaint to dispute an unauthorized and inaccurate inquiry reflected on my credit report. I did not authorize this inquiry, I have no contractual relationship with the company that accessed my credit file, and I did not provide consent written or otherwise for my credit to be pulled. This inquiry is a clear violation of my rights and must be investigated immediately and removed without delay.

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 2026-03-06 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: TX

Complaint narrative:
1. The " XXXX '' Violation ( Identity & Authority ) " I am the authorized representative for the XXXX XXXX XXXX XXXX ( XXXX XXXX ). The IRS issued me a Letter 147C, which is the official federal verification of my authority and status as the 'Responsible Party ' for this entity. Bank of America Private Bank ( XXXX ) is willfully ignoring this federal tax identity document and refusing to allow me to secure the assets, thereby obstructing a federal tax administration effort. '' 2. The Fiduciary Breach ( Self-Dealing ) " Bank of America was assigned to oversee the XXXX XXXX XXXX XXXX XXXX XXXX ) specifically to prevent private inurement and self-dealing. Instead, I am reporting a massive scale of insider dealing where the bank has continued to collect fees ( totaling over $ XXXX since XXXX ) while failing to stop the 'siphoning ' of trust assets into private, undisclosed LLCs. I have filed a Form 211 ( Whistleblower Claim ) with the IRS to report this mass-scale theft. '' 3. The Request for Relief " I request that the CFPB compel Bank of America Private Bank to : Recognize the IRS Letter 147C as a valid federal order of identity/authority. Freeze all disbursements to the current trustees of the XXXX and XXXX XXXX accounts until the IRS Taxpayer Advocate Case ( Case # [ If you have one ] ) is resolved. Provide a full accounting of all 'Management Fees ' and LLC transfers authorized by the bank 's trust officers since 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 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
My roommate admitted through text that he had took a picture of my chime debit card and charged it over {$3000.00} without my permission starting XX/XX/XXXX. I had noticed a bunch of charges days later as chime is a secondary account so I didnt have notifications on for the account. I disputed the charges with chime and they denied the dispute I sent the picture of the text messages. I dont want to press charges against my primate as he is my roommate and landlord I also dont want to have to go through all of that with the courts and have to pay more money to do all of that.

Company response to consumer: Closed with explanation