vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 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: MI

Complaint narrative:
b'SUBJECT: Official Complaint Against Bank of America Missing Cash ATM Deposit Bank of America Credit Card Account Number: XXXX XXXX XXXX XXXX Dispute Amount: $XXXX Date of Incident: XXXX XXXX XXXX /Case numbers XXXX & XXXX\nTo Whom It May Concern at the CFPB,\nI am writing to file a formal complaint against Bank of America regarding a missing cash deposit of $XXXX that was captured by their ATM but never credited to my credit card account. I am requesting your assistance as Bank of America has failed to provide a timely or acceptable resolution to this matter.\nIncident Details: On XXXX XXXX XXXX at exactly XXXX I visited the Bank of America ATM located at XXXX XXXX XXXX XXXX XXXX MI XXXX. Due to the recent discontinuation of drive-up ATMs at this and most other Michigan locations, I was forced to wait in a long line to use this specific machine.\nI attempted to make a $XXXX cash payment directly to my Bank of America credit card (I do not hold a checking or savings account with this institution). The ATM accepted my cash, experienced a malfunction, and failed to credit my account. The machine issued a receipt stating: "We apologize for the inconvenience we are unable to process your request and cannot return your item(s). Please contact our electronic claims team at XXXX to discuss this transaction." The ATM Terminal ID is XXXX.\nBank of America\'s Failure to Resolve: I immediately contacted the electronic claims team as instructed. Since the incident, I have called several times, enduring excessive hold times on every attempt. Despite holding physical proof of the machine\'s malfunction, Bank of America has explicitly denied my request for a temporary or provisional credit to my credit card account.\nFurthermore, Bank of America has continually shifted the timeline for resolution. I was initially told the investigation would take XXXX to XXXX days. I am now being told it will take XXXX to XXXX days to investigate my missing cash. Waiting up to two months for a cash deposit to clear is entirely unacceptable. Bank of America simply needs to balance ATM XXXX to find the $XXXX overage.\nRequested Resolution: I am requesting that the CFPB intervene to compel Bank of America to:\n1.\tImmediately audit ATM XXXX for the XXXX XXXX XXXX business day.\n2.\tImmediately locate and apply the $XXXX cash payment to my credit card account, backdated to XXXX XXXX XXXX.\n3.\tWaive any late fees or interest charges that may have accrued on my credit card account as a direct result of their equipment malfunction and subsequent administrative delays.\nThank you for your time, attention, and assistance in holding Bank of America accountable.\nSincerely,\nXXXX 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 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I went to my branch office and was told that I had to close my account due to suspicion of fraud ( though no charges or evidence was ever presented to me ) I was told my account would be closed. The manager directed that a check be made out to me for the amount in my account ( which I thought was all accounts ). I received the check and opened another account in another bank. When I did not receive my SSI check I called the bank about it and they told me that they had not received it. On XX/XX/XXXX I made my second trip to the SSI office. The lady there called the bank to verify it the bank had received it and it it was returned. While I was on the line also they refused to give her an answer. I later call the branch manager who did in fact state that they had received the SSI check and had placed it in my Membership Savings account, which was frozen for incoming money but no withdrawals. No explanation was given. After talking to a lawyer I found out that SSI money can not be garnished except for child support or alimony .. this is in direct violation of keeping it for POSSIBLE fraud payments. I am a XXXX XXXX XXXX man dependent on my SSI and military pensions. I am under undue hardships because of this banks actions. Now penalties, along with possible loss of renewal auto and house insurance is a real problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Reported a dispute to the company of incorrect information and removal of original debt. Provided date of original removal and company refreshed debt with new dates. Recycling past the fcra 7 year rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I disputed a collection account reported by National Credit System with the credit bureau and requested verification of the debt. Prior to that, I requested validation directly from the collection company, specifically asking for documentation establishing that I have a legal obligation to pay them. The collection company failed to provide any signed agreement, contract, or document bearing my signature that creates a direct obligation between myself and the collection agency. They also failed to provide documentation showing a complete chain of assignment from the original creditor establishing their legal right to collect this debt. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must provide validation of the debt upon request. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), information furnished to credit reporting agencies must be accurate and verifiable following a reasonable investigation. Because the collection agency has not provided any documentation demonstrating that I have a direct legal obligation to them, nor proof of lawful assignment of the alleged debt, the account remains unverified. Despite this, it continues to be reported on my credit file. The credit bureau has also failed to provide evidence that a reasonable investigation was conducted or that this account was properly verified. As a result, the continued reporting of this account does not meet the standards required under federal law, and I am requesting its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Re : Direct Dispute Under FCRA 623 Account # XXXX To Whom It May Concern, I am disputing the accuracy of the account listed above. This account is currently reporting a past due balance of {$600.00} and a total balance of {$1000.00}. I believe this information is inaccurate and/or incomplete. Under FCRA 623, you are required to ensure all reported information is accurate. Please provide : 1. Full payment history 2. Proof of the amount claimed as past due 3. A copy of the original agreement 4. Documentation supporting the current balance If you are unable to verify this information, you must correct or delete this account from all credit bureaus. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Complaint Against Robinhood Misleading Interface Resulting in Financial Loss I am filing a complaint against Robinhood regarding a cryptocurrency transaction that resulted in a financial loss due to what I believe is a misleading and unsafe user interface. While using the platform, I purchased cryptocurrency and was presented with an address that appeared to be a valid wallet address associated with my account. The way this address was displayed created the impression that it was safe and appropriate to use for transfers. However, it was in fact a contract address, not a standard personal wallet address. As a result, I transferred funds to this address under the reasonable belief that it was valid and associated with my account or a legitimate destination. After the transaction, I discovered that the funds were no longer accessible. The core issue is not simply that a transaction occurred, but that Robinhoods platform design failed to clearly distinguish between different types of blockchain addresses, and did not provide adequate warnings or safeguards to prevent users from making irreversible errors of this nature. A reasonable user should not be expected to differentiate between complex blockchain address types without clear guidance, especially when the interface presents such addresses in a way that implies legitimacy. I am requesting : 1. A full explanation of how Robinhood determines which addresses are displayed to users and why this address was presented in a manner that could be misinterpreted 2. Clarification on what safeguards or warnings are in place to prevent users from sending funds to contract addresses or invalid destinations 3. A review of my specific transaction and whether any recovery options exist 4. Consideration for reimbursement due to misleading interface design and lack of adequate user protection I believe this situation reflects a broader consumer protection issue that could impact other users, and I am requesting that this matter be formally investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: MA

Complaint narrative:
Cashapp : A merchant ( XXXX XXXX XXXX ) tried to charge my account $ XXXX. I had a balance of {$150.00} at the time. CashApp denied the charge and asked me if it was valid. I said no and blocked the merchant. The next day, XXXX used a different merchant account ( XXXX ) to attempt the charge again. Cashapp allowed it to process, causing my account to be put the negative - {$150.00}. When I contacted CashApp that told me conflicting stories. 1 ) that the merchant was able to process the payment because they had previously pre-authorized the account- I PROVED this to be a lie, as the two transactions were done by two DIFFERENT merchant accounts ( ie : XXXX XXXX XXXX XXXX 2 ) The second story they gave me was that they allowed the transaction to process even though I had block Budget, was because it was a different merchant ( XXXX XXXX XXXX ), which confirms the first story as a lie, as if they were two different merchants they couldn't have Pre-Authorized the transaction. I then sent appealed the dispute denial, and submitted an email from XXXX admitting the charge was erroneous, and that they would issue a refund which they never did. CashApp ignored this and denied the dispute. I filed with the XXXX, CashApp replied saying they wanted to correct this, but then without any communication prior, sent me an email saying that no error was made. Whenever I point out their lies/errors, they change their story and don't address it. They just continuously quote call flow that contradicts both their own statements and my statements. They do nothing to try to correct their errors, in violation of their own policy which states that any unauthorized charges will be covered. They realize they made an error, and don't want to take the steps to correct it..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
XXXX XXXX, XXXX {$3100.00} Advance Payments we made to Escrow account at Closing for the purchase of property XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX for Property Tax for which our account was never credited BY M & T Bank. XXXX XXXX, XXXX Discrepancy with insurance and taxes paid on our behalf by M & T using our account money. M & T said they paid {$2500.00} for house insurance as recorded on their Current History ( XX/XX/XXXX - XX/XX/XXXX ) - " All Transactions XXXX - M & T Bank ''. The actual amount was {$2100.00} paid. I spoke with XXXX and XXXX in the XXXX dept at M & T, who said they paid {$2500.00}. No one knows what they are doing. But in the meantime the {$2500.00} was deleted from our escrow balance, creating a shortage for which our monthly payment was increased from {$1200.00} to {$1300.00} per month. This was just the beginning of discrepancies for which our payments were increased and we were never given credit for the money they used to pay our insurance bill. XX/XX/XXXX They never gave us credit for the {$1600.00} overpayment they made for insurance. They said they would review, but that was the last we heard, except that our monthly payment was increased again to {$1400.00} because we had a shortage which was a lie. This steady increase of monthly payments for a retired couple who have owned many homes, have excellant credit, never made a late payment because of errors they made is outrageous and unlawful. They have since transferred our account to another bank to handle our escrow. No explanation has ever been given for credit to our account to cover their discrepancies and we can no longer look up any information on line regarding our account with them, including monies, balances, etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
In XXXX of XXXX, a hold of {$8000.00} was put in mu checking and savings accounts by the direction of Glasser and Glasser. The representative claimed that since they were not able to contact me they initiated a hold for the alleged debt due. Previously I provided my updated contact information and up a set up a payment arrangement. It was then brought to my attention that the payment arrangement agreed upon was not one that should have been offered to me. Furthermore, the representative called to record my information correctly which hindered any attempts of contact from Glasser and Glasser. I suffered financial hardship as a result of this egregious misstep of Glasser and Glasser. It took close to 2 months for me to have access to my bank account funds. I would hope that my complaint is taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: TX

Complaint narrative:
On XX/XX/year>, I received a missed call from XXXX ( XXXX ) XXXX, a number belonging to Perdue Brandon Fielder Collins & Mott , LLP, a debt collection law firm based in XXXX, TX. The call was carrier-verified. I returned the call at approximately XXXX XXXX and spoke with a representative who identified herself as representing XXXX XXXX and at least one additional county regarding an alleged debt of approximately {$67.00}. At no point during the call did she provide the required disclosure that the communication was an attempt to collect a debt ( mini-Miranda under 15 U.S.C. 1692e ( 11 ) ). I prompted her multiple times throughout the call to make this disclosure, I even recited the mini Miranda to her and asked her if she was supposed to recite that once she confirmed my identity. She seemed confused. Only after I asked directly, Is this an attempt to collect a debt? did she acknowledge it but never gave the full mini Miranda warning. When I asked how to obtain a copy of the call recording, she stated the recordings are not available to the public repeating this when I pressed further and asked if I would need to subpoena them. This response is misleading regarding my legal rights. I then called back at approximately XXXX XXXX and explicitly stated I did not wish to be contacted by the firm for any reason. A male representative named XXXX acknowledged my request, placed me on hold, and returned to state : I just need to let you know that debt collection activity will continue. This is a direct violation of 15 U.S.C. 1692c ( c ). I informed XXXX this violated federal law. He continued to advise that collection activities would continue. I have preserved timestamped, carrier-verified call logs documenting both interactions. A formal written Cease and Desist has been sent to the firms XXXX office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: OK

Complaint narrative:
A fair resolution is find the {$2900.00}. Get it to KLARNA without the interest & refund me the money ( XXXX {$900.00} ) I paid while I was trying to resolve. Also no dings to my credit report from either KLARNA or XXXX. I do have another complaint against XXXX, somewhere in all this I discovered a dual interest rate being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management called and spoke to a third party and violated FDCPA gave them all the information of what they were collecting on and advised the they were going to file suit. This call was made today XX/XX/year> the balance of {$2900.00} is what was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am requesting review of retroactive deferred interest applied to my CareCredit account issued by Synchrony Bank. I made consistent payments toward my promotional balance and intended to pay it in full within the promotional framework. I contacted the company immediately upon becoming aware of the issue after reviewing my statement and was informed I missed their internal resolution window by only 2 days. I escalated this issue through multiple levels of customer service, including supervisors and specialized review teams, and was repeatedly denied a goodwill adjustment. Given the extremely close timing and my prompt action once aware, I am requesting a one-time goodwill waiver or adjustment of the deferred interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX of XXXX, a hold of {$8000.00} was put in mu checking and savings accounts by the direction of XXXX and XXXX. The representative claimed that since they were not able to contact me they initiated a hold for the alleged debt due. Previously I provided my updated contact information and up a set up a payment arrangement. It was then brought to my attention that the payment arrangement agreed upon was not one that should have been offered to me. Furthermore, the representative called to record my information correctly which hindered any attempts of contact from XXXX and XXXX. I suffered financial hardship as a result of this egregious misstep of XXXX and XXXX. It took close to 2 months for me to have access to my bank account funds. I would hope that my complaint is taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my Credit Karma Spend account. Multiple transactions were made at a XXXX location over an hour away from me, purchasing 3 gift cards in identical amounts ( {$99.00} ), which is a known fraud pattern. I did not authorize these transactions and was not present at that location. I have attempted to dispute these charges with Credit Karma, but my claims have been denied without proper explanation. Under the Electronic Fund Transfer Act ( Regulation E ), I am requesting a full reinvestigation and reimbursement for these unauthorized charges. I am also requesting documentation of how the investigation was conducted and why my claim was denied. I can provide proof of my location at the time of the transactions if needed.

Company response to consumer: Closed with non-monetary relief