vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I noticed fraudulent accounts on my credit report that are not mine in 2026. These accounts were not opened by me. I requested the applications and account summary and never received them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I had another collections agency report this account on my credit report last year and I got help with CFPB in removing it from my credit report. I was successful in getting it removed from my credit report by exorcising my rights under the SCRA for XXXX XXXX XXXX XXXX. I had no contact with anyone regarding this debt from this company. My credit report shows the original creditor is XXXX. My entire bill was ( so I thought ) waived and ended phone service free of charge due to being XXXX in the XXXX XXXX, and the months leading to XXXX. I had no knowledge of this debt, nor was I contacted. My old XXXX account that I had around the time I was XXXX was waived free of charge ( so I thought ) so this collection in inaccurate. It is currently affecting my credit score severely and I am the only source of income for my household. I have a XXXX, XXXX XXXX, and another baby on the way. We have paid thousands of dollars in debt and then get hit out of nowhere with this. I am requesting removal of this from my credit report ( again ). This time it is showing under XXXX XXXX XXXX. I was not contacted in any type of way by this company and I was under the impression everything was fine considering CFPB helped with the removal of the previous debt collection agency. I have attached my XXXX orders to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding the forfeiture of my American Express Membership Rewards points following the closure of my account. The points were earned through legitimate purchases made in good faith. I was not provided with prior notice that my account activity would result in forfeiture of my rewards, nor was I given an opportunity to redeem them. It is unjust to simply retract points earned over the course of SEVERAL years and after taking payments on said purchases as points hold a dollar value. In addition, the terms and conditions states " New York Card Members receive XXXX days to use points from notification of account closure by calling the number on the back of their Card. " New York Card Member '' means a Card Member with a New York billing address on a linked Card Account ''. I believe the forfeiture of my accumulated rewards is unfair and not clearly disclosed in a way that would allow a reasonable consumer to understand the risk of losing earned points. I am requesting to be given a reasonable opportunity to redeem ALL of my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am reporting unauthorized fraudulent charges on my credit card accounts, specifically the account ending in XXXX, which remains unresolved. I had not used either of these credit cards for over two years. I did not perform or authorize a single transaction on either card. I received a fraud alert and immediately contacted Barclays to report that my cards were stolen and that I did not authorize any transactions. During that call, I explicitly requested the immediate closure of both credit cards. Despite my report and request, Barclays failed to close the accounts, and unauthorized transactions continued to be processed. As a result, the account ending in XXXX was used fraudulently and ultimately maxed out. I was also informed by a Barclays representative that at least one of the fraudulent transactions was conducted in person at a XXXX location in XXXX, confirming criminal use of my card. Barclays has records of my calls and should be able to verify that I reported the fraud immediately and requested account closure. However, they failed to act appropriately and allowed continued unauthorized activity. Both credit cards were affected by fraudulent transactions. Barclays resolved the charges on one of the cards, but failed to resolve the charges on the account ending in XXXX, even after I submitted a prior dispute and complaint. Barclays is now reporting these fraudulent charges to the credit bureaus and I am receiving payment or collection-related communications for transactions that I did not make or authorize. This is negatively impacting my credit. I have an excellent credit history and have never missed a payment. It is unacceptable that I am being held responsible for fraudulent charges due to the banks failure to act after I reported the fraud. I am requesting a full investigation, immediate removal of all unauthorized charges on the account ending in XXXX, correction of any negative credit reporting, and written confirmation that I am not responsible for these fraudulent transactions.

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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regards inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate : XXXX XXXX XXXX IN CO account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates LLC ( XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) is reporting a {$3600.00} collection on my credit report ( opened XX/XX/XXXX ). XXXX has not provided debt validation. I am an Illinois consumer filing this complaint under the FDCPA and FCRA. PRA is a repeat CFPB offender fined {$24.00} XXXX in XXXX for violations of the XXXX CFPB consent order including collecting on unsubstantiated debt without documentation. Under the XXXX court order PRA is prohibited from collecting debts unless it has access to specific documentation proving the debt is valid. I am requesting : ( 1 ) the original creditor name and account number ; ( 2 ) original signed account agreement bearing my signature; ( 3 ) complete account history showing how {$3600.00} was calculated ; ( 4 ) date of first delinquency on the original account ; ( 5 ) complete chain of ownership from original creditor to PRA including purchase price ; ( 6 ) confirmation this debt is within the Illinois statute of limitations. If PRA can not produce this documentation per the XXXX CFPB consent order requirements, I demand immediate deletion from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
What happened : On XX/XX/XXXX, I received a cryptocurrency payment via Coinbase from a sender in XXXX. End of XX/XX/XXXX, Coinbase froze my entire account containing approximately {$500000.00}. I have been in contact with Coinbase support multiple times. They have explicitly stated that I have done nothing wrong and am not under investigation. However, they are conducting a " verification '' of how the sender obtained their funds. It has now been XXXX days since the freeze. I have received no timeline for resolution. I am being penalized and losing access to my funds despite being told I violated no terms of service. Additionally, Coinbase 's customer support infrastructure is deliberately inaccessible. When attempting to click " Contact Support '' on their website, it redirects to a XXXX error page. The only way to reach an actual support representative is to pay for Coinbase Premium to access their " XXXX '' service. This means I am being forced to pay additional fees just to get answers about my own frozen fundsfunds I can not access because of their hold. I am suffering significant financial and personal harm including : - Severe anxiety and sleep disruption from not knowing if or when I will regain access to my own lawfully obtained funds. I wake up multiple times per night worrying about this situation. - Constant fear and mental distress that my entire life savings could be permanently seized despite being told repeatedly I did nothing wrong. This uncertainty is affecting my ability to focus on work and maintain normal daily functioning. - Emotional distress from feeling powerless and penalized for simply receiving a legitimate payment. The lack of any timeline or concrete answers has left me in a state of perpetual stress. - Inability to access my own capital for legitimate personal and business purposes, leaving me in financial limbo with no control over half a XXXX dollars that belongs to me. - Loss of trust in the financial system and fear that this could happen again at any time without recourse, making me question the security of keeping significant funds in any cryptocurrency platform. - Strained personal relationships due to the stress and preoccupation this situation has caused, as I am constantly worried about the status of my frozen account. I request immediate unfreezing of my account or a specific timeline for resolution with daily updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I deposited a cashier check of {$10000.00} in my bank on XXXX XX/XX/year>. My bank closed my account and told me the check was returned to the issuing bank. Now wellsfargo which is my bank is claiming they mailed a check of {$10000.00} to me but I only got a check of {$130.00} from Wells Fargo not {$10000.00}. I want prove that a check of {$10000.00} was sent to me and also if it was cashed.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
I had XXXX dollars stolen from my account. SoFi restricted my account and did an investigation. They returned the money and the accounts were all set. Now they have restricted my account not told me when I can access the money and I cant get to work, buy food, or anything. Ive called them over and over and they push me through hoop after hoop and I need access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint Against Capital One I am filing a formal complaint regarding the restriction of my credit card account despite responsible and compliant usage. My account has a {$300.00} credit limit. I have been using the card as a charge-style account by making frequent payments throughout the billing cycle in order to avoid carrying a balance and incurring interest. At no time have I exceeded my credit limit, missed a payment, or violated the terms of my cardholder agreement. Immediately after paying my balance in full, my account was restricted pending bank verification. I was not provided with a clear explanation as to why my payment activity triggered this action. During the verification process, I encountered multiple instances of inaccurate and misleading information from customer service representatives : One agent stated that my bank was closed, which was untrue Another agent claimed they were unable to reach my bank, which was also untrue I was personally able to contact my bank within minutes without any issue This raises concerns about the accuracy, transparency, and integrity of the verification process being used to justify account restrictions. As a result of this situation : My access to credit was unexpectedly restricted I experienced unnecessary delays and inconvenience I was provided with inconsistent and misleading information I believe I am being penalized for attempting to avoid interest by paying my balance frequently, which contradicts responsible credit usage behavior. Requested Resolution : 1. Immediate removal of the account restriction 2. A clear and documented explanation of the policies governing multiple payments within a billing cycle 3. Confirmation that frequent payments will not trigger punitive restrictions in the future if they remain within the terms of the agreement 4. A review of customer service interactions and corrective action if misinformation was provided I am seeking a fair resolution and improved transparency regarding account restrictions and verification procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BCG Equities, LLC
State: WI

Complaint narrative:
BCG Equities is unlawfully garnishing wages for amount greater than original court ordered judgement amount. Original Judgement Amount : {$920.00} Amount BCG Equities submitted to employees payroll department : {$1300.00} Current amount garnished from employees wages : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have had nothing but problems with US Bank. I sent in an application and they dinged my credit 8 points for a hard inquiry. They then sent me a letter to confirm my identity, however the customer service number they provided XXXX - no one answers. You get stuck in a never ending hold. They refuse to pay for proper support people for the customer service line. They also said to call XXXX with US Bank at XXXX- which is an automated voicemail and the call is never returned. Now they are saying it's been over a month and I've been denied. Why didn't they verify my identity before doing a hard inquiry against my credit? This is a broken practice by US Bank and they know it! And is very harmful to US consumers! I received a hard inquiry against my credit with no chance to confirm my identity! An investigation needs to be opened up as identity verification is still a problem with US Bank and their broken processes which harm US consumers. They have a reputation for questionable banking practices and have been fined for opening fake accounts. Also, this happened : The Violation : The bank used overly broad fraud filters that froze the accounts of tens of thousands of legitimate unemployment recipients. When these people tried to verify their identities to get their money, the bank failed to provide adequate customer service, leaving people without access to basic funds for weeks or months. I am having having the same problem of verifying my identity- they never did anything about this issue and need to be fined again until they get it right. I will not go away.

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 2026-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: OH

Complaint narrative:
Yes XXXX tried for a year since XXXX to be repayed for my XXXX XXXX on my XXXX XXXX called XXXX XXXX XXXX first mortgage revenue bonds XXXX XXXX XXXX for XXXX. I have XXXX of them and XXXX called keycorp XXXX times and left XXXX voice mails and talked to XXXX people and XXXX in person for XXXX and keycorp and they tell me they do not have that information and they don't handle my XXXX XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I am submitting this as a follow-up complaint regarding dispute XXXX, as CitiBank has failed to resolve the issue even after my prior CFPB complaint prompted them to re-open the investigation. This matter involves a {$6100.00} transaction for goods that were never delivered and a refund that was represented as issued but was never completed. I opened this dispute on XX/XX/year> and provided Citi with extensive documentation, including proof of purchase, written communications, and confirmation from XXXX that the refund initiated by the merchant was never completed and remained pending on the merchants side. Despite this evidence, Citi initially ruled in favor of the merchant based solely on the statement that the customer made the purchase, without requiring proof of shipment, delivery, or a completed refund. Citi only re-opened the investigation on XX/XX/year> after I filed a CFPB complaint. It has now been 94 days since the dispute was opened and 56 days since it was re-opened, yet Citi has still not resolved the matter. Citi has repeatedly failed to meet its own stated timelines. Its dispute portal indicated the issue would be resolved no later than XX/XX/year>. After missing that deadline, I was told the merchant had until XX/XX/year> to respond, which was later extended to XX/XX/year>. Citi also sent multiple emails confirming that my dispute would be reviewed by XX/XX/year>. As of XX/XX/year>, that deadline has passed with no resolution or meaningful update. The merchant has not provided proof of shipment, delivery, or a completed refund, has ceased communication with me, and has failed to provide an XXXX for the alleged refund. Stripe has confirmed that the refund remains incomplete and must be completed by the merchant. Additionally, I filed a police report with the XXXX Police Department ( Report # XXXX ) regarding this transaction due to non-delivery and failure to refund. Despite this, Citi has taken no action to resolve the dispute. Citi is no longer responding to my emails ( last one sent on XX/XX/year> ) and is refusing to provide substantive updates over the phone. Citis actions, including prematurely closing the dispute, failing to properly evaluate evidence, repeatedly missing its own deadlines, and failing to act after re-opening the case in response to a CFPB complaint, raise serious concerns regarding its compliance with the Fair Credit Billing Act and its obligation to conduct a reasonable and timely investigation of billing errors.

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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I purchased a XXXX XXXX cashmere jacket from XXXX XXXX " XXXX '' for {$350.00} USD on XX/XX/year>, paid via PayPal ( PayPal XXXX ID : XXXX ). On XX/XX/year>, I received an empty box at my XXXX freight forwarder warehouse. The forwarder 's official weight record shows XXXX, while the normal weight of this jacket is XXXX. The seller admitted in writing that the item " might have gotten stolen '' and promised a full refund, but later refused. I filed a " Significantly Not as Described '' claim with PayPal under its Buyer Protection Policy, submitting all evidence : empty box photos, weight records, seller chat logs. On XX/XX/year>, PayPal denied my claim solely because I, as a resident of XXXX, could not provide a XXXX local law enforcement report. This is legally impossible for a XXXX citizen to obtain. PayPal 's own policy does not require impossible documentation. I attempted to appeal but found no online appeal button and received no alternative channel from PayPal. I have now initiated a chargeback through my credit card issuer. I request CFPB to investigate PayPal 's unfair denial and require PayPal to issue a full refund of {$350.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: TX

Complaint narrative:
I financed an online educational program through Climb Credit for XXXX XXXX. Devslopes has now permanently ceased operations and is no longer providing the services I paid for. I attempted to contact Devslopes to request a refund or cancellation, but they have been completely unresponsive. Climb Credit has informed me that they ca n not process a refund unless Devslopes submits the request. However, because Devslopes is no longer operating and not responding, this is not possible. As a result, I am being required to continue making payments on a loan for services that are no longer available, with no clear path to resolution.

Company response to consumer: Closed with explanation