vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by TransUnion for Account Number XXXX. This account has been closed, and I have formally disputed the charges associated with it. Despite my dispute, the company continues to report this account negatively on my credit reports and has refused to remove the reporting, even though the debt remains disputed and has not been properly validated. I have requested documentation to verify the accuracy and legitimacy of this debt, including proof that I am legally obligated to pay it and a complete account history. To date, no sufficient validation has been provided. Continuing to report disputed and unverified information is misleading and damaging to my credit profile. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers of information are required to ensure that all information reported is accurate, complete, and verifiable, and to conduct a reasonable investigation when a consumer disputes an account. Reporting inaccurate or unverified information after a dispute constitutes a failure to meet these obligations. Because the account is closed, disputed, and unsupported by proper documentation, I believe the continued reporting of this account is inaccurate and unlawful.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am filing this complaint against Early Warning Services for maintaining and distributing inaccurate and unverifiable consumer information that is being used to deny me access to banking services. Multiple financial institutions have denied my applications based on data from Early Warning Services. However, I have not been provided any documentation supporting the alleged negative information or risk indicators associated with my profile. This constitutes a failure to ensure maximum possible accuracy as required under the Fair Credit Reporting Act. I have formally disputed this information and requested verification. However, I am concerned that automated or insufficient investigation may occur. I am requesting that Early Warning Services : XXXX. Conduct a full and proper investigation of all data associated with my profile XXXX. Provide documented verification for each negative item XXXX. Remove any unverifiable, outdated, or inaccurate information XXXX. Remove any internal risk flags or indicators not supported by verifiable evidence This issue is causing ongoing financial harm and denial of essential banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
About a year ago my account through XXXX was hacked into somehow from there which is the beginning of an issue on the bank not the customer, They then got into my pnc bank account stole thousands of dollars pnc did the dispute returned most of what was lost and though that was the end of it. Months down the line Im noticing my account is not what it should be, I call ask for help think everything is going fine and wait months and months. I call to check the status of the dispute to my surprise theres no record of the dispute being filed. I ask the lady why and for help she explains sometimes they just dont go through ( again negligence on pncs behalf ). She then tells me to confirm my account I have to sign out and sign in. Thats when I noticed there was a a random number ending in XXXX thats been sending random XXXX to random accounts sporadically, attached to my account. Ive had the same phone number for XXXX years was tied to business had to change to prevent anything from happening we got the number off changed card numbers and I waited for the dispute again. Nothing I call back a few weeks ago trying to check on why I have no help and why my account has been fine and no random withdrawals she helps me out and files a dispute and even notices its been okay since the number was taken off so she helps me with the XXXX transactions and sends the dispute off. WITH XXXX notification my account was closed didnt call back, just found out through email my account is being closed then XXXX days later after I called to get it reviewed thinking obviously they see the issue and will fix it, to my surprise I got notification that my auto payments have failed so now I have to wait for my money to be mailed to me then open a new account. Jsut to pay my bills and they are telling me its because I didnt check my account. Im the only one who apparently was checking and trying to fix the problem. Pnc was asked for help on behalf of negligence on the company and they simply cancel my account. This is illegal and truly ridiculous. Im attaching the hacked number that was robbing me from my account they have no recognition of. As well as the account invoices before this happened I was constantly around XXXX ever since this problem occurred my account was on a downward spiral with zero help or accountability as a business designed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I use the company Affirm to plan out larger billing expectations, like hotel stays. I signed a loan agreement for XXXX months XXXX XXXX APR in XX/XX/year> for a stay in XX/XX/year>. When the merchant fully billed, my loan agreement was completely revoked and a new one set in place which would charge XXXX XXXX interest. I had no choice but to accept otherwise lose my reservation. I attempted to get assistance, showing my loan agreement. They let me know that they found it, but because the merchant didnt charge right away, the loan was revoked. I was given absolutely no notice of this whatsoever at the time that this happened. Nor was they given any information upfront about these kinds of expectations in an event like this. I asked kindly for an adjustment considering that XXXX to XXXX XXXX change is predatory and unreasonable. They refuse to help me and told me that the only thing they could do was advise for me to cancel and re-bill the reservation. Which I can not do because I will lose the entire reservation. I am very upset about this as I have never missed a payment and this is not how people should be treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I initiated a balance transfer online from a CitiBank Mastercard in the amount of {$2700.00} to be paid to XXXX XXXX XXXX XXXX XXXX card on XXXX XXXX. The requested amount was not credited to the XXXX card after XXXX weeks and I called CitiBank to inquire about its delay. I repeated the information that I entered online to a human representative. I was told that Citi would investigate and resolve the issue. After XXXX more weeks, the payment did not get paid to the XXXX Visa card. I called again to Citi and gave the same info to another rep who assured me that the transaction would be dealt with and completed as I requested. On XX/XX/XXXX I called again when the payment did not post to my Visa account and Citi gave me a trace # to present to XXXX XXXX XXXXXXXX, which I did give to them. XXXX did an investigation of their systems and could not find the transfer payment. For the last XXXX months, I have called Citi at least XXXX times since the start of this transfer and have been told the same thing each time and the transaction not being credited to my XXXX account. Citi says it is not their problem and XXXX has told me that they can't post any money to my XXXX account if they did not receive the funds to do so.

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 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IN

Complaint narrative:
My grandmother receives Supplemental Security Income ( SSI ), which was deposited into her account with Chime on XX/XX/year>. Immediately after the deposit, unauthorized transactions occurred that drained her account. These transactions took place in XXXX which is not where she resides. The institution itself flagged the activity as suspicious and contacted her to verify whether the transactions were authorized. She confirmed that they were NOT authorized. The account was then closed by the institution. Despite acknowledging suspicious activity and closing the account, the institution denied reimbursement of the stolen funds. These were unauthorized electronic fund transfers involving federally protected SSI benefits. The denial did not include a sufficient explanation or documentation showing how the transactions were determined to be authorized. This situation has caused financial hardship, as these funds are her only source of income for basic living expenses. I am requesting a full investigation and reconsideration of this claim under the Electronic Fund Transfer Act ( EFTA ), as well as reimbursement of the stolen funds. I am also requesting that the institution provide all documentation used in making their determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: CA

Complaint narrative:
please remove fraudulent account and inquiry from my credit report

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
This account recently appeared on my credit report without any prior notice, which is a direct violation of the FDCPA 809 ( a ) requiring written notice within five days of initial communication. I never received any initial notice or opportunity to dispute this debt before it was reported. Additionally, this account is being reported as a duplicate collection for the same exact amount and same original creditor ( XXXX XXXX ), which is misleading and constitutes inaccurate reporting. This creates the appearance of multiple obligations when only one alleged debt exists, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) requiring complete and accurate reporting. I have already requested validation of this debt, yet the account continues to be reported without proper verification. The furnisher has failed to provide : A signed contract or agreement Proof I am legally obligated for this debt A complete payment history Proof of assignment or ownership of the debt Furthermore, reporting this account without proper validation and while it remains disputed violates : FDCPA 809 ( b ) Failure to cease collection until validation is provided FCRA 611 Failure to conduct a reasonable reinvestigation XXXX XXXX Compliance Standards Inaccurate and misleading duplicate reporting This is not only inaccurate but also deceptive and harmful to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My debit card was compromised, and approximately {$1000.00} in unauthorized transactions were made. My husband immediately went to a Capital One branch to prevent further loss. Instead of blocking the card, the employee directed him to an ATM so he could attempt to withdraw the remaining funds. While walking to the ATM, additional fraudulent transactions continued, and by the time he arrived, nearly all funds had been withdrawn, leaving approximately {$40.00}. The ongoing fraudulent transactions were shown to the employee in real time, yet no action was taken. When I later arrived at the branch, I was told that nothing could be done and that we had to wait until the transactions were completed. This information was incorrect and unacceptable. The transactions were clearly suspicious, including activity from different states. Despite this, the employee assumed the transactions were made by us, even after we clearly stated that they were unauthorized. Only after we insisted was the card finally blocked. The employee responded dismissively and did not take the situation seriously. This issue was reported in person at a Capital One branch, but no effective action was taken at that time. I am requesting full reimbursement of all unauthorized transactions and an investigation into the banks failure to act promptly to prevent further financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Greenlight Financial Technology, Inc
State: AK

Complaint narrative:
We purchased a product for {$260.00} from XXXX before the XXXX holidays. My son received the product as a gift and opted to return them to the store. My son has a different debit card issued by Greenlight and used that in the store for the refund. XXXX has confirmed in writing that they refunded the funds to his greenlight debit card despite that not being the procuring card. Greenlight reached out to us that they received the funds, but reversed the transaction internally and would hold the funds until we provided receipt since the greenlight card had not been used for hte original purchase. The original receipt was provided to greenlight albeit over a month later. At this time Greenlight says they do not have the funds and they returned them to XXXXXXXX XXXXI states they do not have the funds and they provided them to Greenlight. Greenlight is refusing to provide any information on when and how the funds were returned so XXXX could track it and we do not have the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I closed my check account on XX/XX/year>, and sent the checks to my original address. However, I have moved and can not receive the checks. After calling to change my address at the beginning of XX/XX/year>, BMO Bank informed me that the checks would be mailed to my new address, and I would receive them within XXXX - XXXX weeks. But now, XXXX weeks have passed, and I still haven't received the checks. Tonight, I tried contacting the bank but was told that they could not verify my identity and requested a notarization or going to a branch. Since I can not go to the branch, my phone inquiries are restricted.Now, after consulting with various parties, I learned that BMO Bank has not issued a check and intends to embezzle funds. They are now making things difficult for customers by denying them access to check inquiries and processing.This achieves the purpose of embezzling customer funds. BMO Bank has seriously infringed upon customer rights and interests, violated financial industry regulations, and misappropriated customer funds.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My Capital One account ( Ending in [ XXXX ] ) was closed without any prior notice or explanation. I have been using this account for about XXXX years and all my activities are transparent. I suspect there might be a misunderstanding regarding my address or past transactions. As a resident of XXXX XXXX, this sudden closure has caused me significant financial hardship, preventing me from paying my bills and rent on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MD

Complaint narrative:
Someone hacked my phone. They took all the money from my CashApp and transferred my money using a XXXX XXXX card on XX/XX/XXXX. XXXX transaction was for XXXX and the other transaction was XXXX After this took place, my phone was completely erased and it restarted. I could only retrieve most things that were connected to my phone number. Im unaware of who the person was. I only have there last 4 digits of the card and a phone number they kept calling my phone from. The person who hacked my phone is still calling me and texting but i have not answered. I blocked them. There card number ended in XXXX. Their phone number was XXXX ( XXXX ) XXXX. I have screenshots of the messages they sent me as well. I also have made a police report the day I was hacked. Cashapp did investigate and they denied saying That I have authorized the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I applied for a Bread Savings high-yield savings account with Comenity Capital Bank and was declined. I was not provided a written adverse action notice at the time of denial, nor have I received one subsequently. I called customer service twice- on XX/XX/year>, the day my application was denied, and again on XX/XX/year> - to request the reason for the denial and the identity of any consumer reporting agency used. On the XX/XX/XXXX call, a representative stated : ( 1 ) Bread Savings does not use XXXX, soft or hard credit pulls, or any other consumer reporting agency ; ( 2 ) FCRA does not apply to my application; and ( 3 ) the bank does not escalate calls from non-customers, and declined to connect me to a XXXX. If any consumer reporting agency was used, FCRA Section 615 ( a ) requires disclosure of that agency and notice of my rights. The representative 's claim that FCRA does not apply appears inconsistent with federal law. Regardless of whether a consumer report was used, Regulation B requires that applicants receive the principal reasons for an adverse action or be notified of their right to request them within XXXX days. Neither occurred. I am requesting that the CFPB require Comenity Capital Bank to : ( 1 ) confirm whether any consumer reporting agency was used ; ( 2 ) provide the adverse action notice and statement of reasons required under federal law ; and ( 3 ) review whether its adverse action practices meet FCRA and Regulation B requirements systemically.

Company response to consumer: Closed with explanation