vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To whom it may concern i m submitting this complaints regarding an account reported by Consumer Financial Protection Bureau against XXXX XXXX XXXX Account Details : Creditor : XXXX XXXX XXXX Account status paid charge off/collection Balance ; {$0.00} date closed XXXX XXXX This account has been fully resolved and shows a {$0.00} balance yet it continue to be reported as a charge off/collection which is severely damaging my credit profile i m requesting the following 1.Goodwill/Pay for Delete adjustment since the account has been paid i respectfully request XXXX XXXX XXXX remove this negative tradeline entirely from all credit reporting agencies as a gesture of goodwill 2.Fair Credit Reporting Compliance Review continuing to report a resolved debt as a derogatory mark does not accurately reflect my current financial responsibility and may be considered unfair or misleading under the fair credit reporting act ( FCRA ) 3.Investigation & Correction i request that this account be investigated and either : Deleted from my credit reports

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 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
Crown Asset Management , LLC, sent me improper documents regarding a debt that I had with XXXX years ago that was already paid off to use as proof of the debt that they are alleging I owe them. I requested a full debt validation in a letter via certified mail, and have not received anything to verify this alleged debt and now although I have not yet been served, they have filed a law suit against me. I found this out by receiving many letters from attorneys advertising their services to help with this lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
Hello I originally deposited a check into an E * trade checking account on XX/XX/XXXX. I used the account and transferred money to a savings and brokerage account. The account was restricted and I was asked to verify my identity or get a hold harmless letter from the originator of the check. I provided several pieces of documentation that they requested but after several " selfies '' I had given up in frustration. After speaking to the company for well over a year I had decided that this was not an ok situation and I wanted my money out of this account. Then fast forward to XX/XX/XXXX and I am being told by E * trade that the funds had never cleared and there was only XXXX left in the account. So I know for a fact the check cleared because I used the funds and spoke with the originator of the check that informed me the money cleared on the XXXX of XX/XX/XXXX. I asked to speak to a supervisor and the supervisor informed me that the money did clear and that it was sent back to the originator of the check on XX/XX/XXXX. I hung the phone up and called the Texas comptroller and they informed me that this was not the case. So on total on the XXXX of XXXX I talked to XXXXr E * trade employees XXXX which were supervisor s and got XXXX separate answers. Nobody can tell me where my XXXX dollars are and it is not right that this company is allowed to keep money from a retired XXXX XXXX senior citizen who wants nothing more than to relax in my latter years of life. If they are not happy with the documentation I provided then they should in fact send the money back to where it came from and not make up lies because they do not know what is going on. At this point my only other option is to report this as theft with the state of XXXX cause in my mind this is what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am filing this complaint regarding a {$420.00} charge from XXXX XXXX on XX/XX/year>. This charge resulted from an accidental purchase. I already had an active XXXX XXXX XXXX subscription, and while attempting to view pricing for a promotional offer, I unintentionally completed the purchase of a different subscription product ( XXXX XXXX ). I contacted the merchant on the same day to cancel the subscription. The service was never used I did not access, view, or consume any premium content at any time. Initially, the merchant was unable to locate my subscription, which delayed the cancellation process. Despite my immediate request, they later refused to issue a refund, citing a strict no-refund policy. I made multiple attempts to resolve this matter directly with the merchant in good faith. Although they acknowledged the situation, they only offered a non-refundable store credit instead of returning the charge. I also disputed the charge through my credit card issuer ( Apple Card / Goldman Sachs ), but the dispute was denied based solely on the merchants terms and conditions, without properly considering that : - The purchase was accidental - The cancellation was requested on the same day - The service was never used I believe this is an unfair billing situation, as I was charged for a service that I did not intend to purchase and did not use. I am requesting a refund to my original payment method. I have attached supporting documentation, including my same-day cancellation request and all correspondence with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The Bank Of America XXXX XXXX can not authenticate me, and I can not get my money after multiple retries and wasting my time. I have brought my ID with me. I have my phone to authenticate me. Still, they can not authenticate me. It's a giant waste of my time. And their system is so stupid and it cost me an hour of time because of their failure

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 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
This is an on going problem with this bank. ( They called it a loan ). # complaint number XXXX. XX/XX/XXXX. They took XXXX dollars from a XXXX XXXX XXXXXX/XX/XXXX. The hospital they took my money called it a void check and withdrew TWICE. {$250.00}. They took the money I have the letter to show that it was already received THE HOSPITAL # complaint number XXXX. The office of PRESIDENT OF 5/3. They call themselves. Al. XXXX Office of President. What is the 5/3 scandal. Specifically 5/3 Banks conduct harmed borrowers by charging extra fees for unnecessary and duplicative coverage. In more than XXXX instances. 5/3 bank illegally charged XXXX XXXX in penalties. XXXX harmed consumers. XXXX XXXX penalties for opening fake accounts. It is unreal for decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a complaint regarding deferred interest charge applied to my CareCredit account issued by Synchrony Bank. I made XXXX purchases under " no interest '' financing at my dental office. I was under the impression that this was a standard 0 % interest promotion. At no point was it clearly communicated or understood that interest was actively accruing in the background and would be retroactively applied in full if the balance was not completely paid off by the deadline. After the promotional period ended on XXXX transactions, I was charged {$1000.00} on XX/XX/XXXX and {$670.00} on XX/XX/XXXX in deferred interest, both occurred within single billing cycles. I called Synchrony Bank recently regarding the XX/XX/XXXX interest charge of {$1000.00}, but the company 's representatives were unwilling to make any adjustments. I believe this recent {$1000.00} interest charge represents the retroactive interest on the full original balance ( which they already charged me interest on part of on XX/XX/XXXX ). These practices were not clearly or transparently disclosed in a way that I could reasonably understand as a consumer. This type of deferred interest structure is confusing and can be misleading to consumers, as it closely resembles a traditional 0 % interest offer but carries significantly different and punitive consequences. I am requesting that Synchrony Bank : -Reviews my account for an adjustment -Removes or significantly reduces the deferred interest charges -Provides clearer and more transparent disclosures regarding how interest accrues under these promotions I believe this situation reflects a lack of transparency in how these financial products are presented and understood. I had difficulty accessing the website to view my statements resulting in multiple calls to get logged in. I did not receive any confirmation letters or my credit card from this company when I signed up for the promotions. Thank you for your review

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 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against Capital One regarding XXXX accounts that were incorrectly charged off and reported to the credit bureaus following a fraud flag. I fully complied with all identity verification requests and submitted all required documentation. Despite this, Capital One closed my accounts and reported them as charge-offs. This has caused severe damage to my credit, dropping my score from the XXXX to the XXXX, impacting my financial opportunities. I have disputed this multiple times, but Capital One has failed to conduct a reasonable investigation or correct the inaccurate reporting. Reporting a charge-off under these circumstances is inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing about a highly unsatisfactory experience related to a foreign check deposit made in XX/XX/year> at TD US Bank XXXX XXXX XXXX branch. At the time of deposit, I presented a USD-denominated check issued by a XXXX XXXX. The teller clearly informed me that the funds would be available within approximately five days and that there would be no fees associated with the deposit. While I understand that front-line staff may not always be fully aware of the extended processing time for foreign checks, the assurance that the transaction would be free of charge directly influenced my decision to proceed. Several weeks later, I received a letter stating that a {$17.00} fee would be applied to the transaction. Had this fee been disclosed upfront, I would have chosen an alternative method ( such as a wire transfer ), which is both faster and more cost-effective. The situation became significantly more concerning when the funds were finally credited in XXXX XXXX an excessively long processing periodand I discovered a shortage of {$130.00}. When I contacted TD Bank, I was initially told that this amount had been deducted by my XXXX XXXX. I promptly contacted my bank in XXXX, and they conducted an investigation, confirming within one week that no such fee had been charged on their end. I then returned to TD Bank with this information. Despite this, I was repeatedly told that the charge originated from the XXXX XXXX and that TD had no responsibility. Only later did I receive a mail confirmation from TD US Bank that the {$130.00} was in fact charged by TD Bank as a foreign bank fee. Subsequently, I was told it may have been charged by TD XXXX, and that nothing could be done. This explanation is inconsistent and unacceptable. Referring to this as a foreign bank fee is misleading, particularly when both of my home bank and TD XXXX are based in XXXX. There is no foreign bank concept in the fee was actually charged by TD XXXX. More importantly, TD representatives have acknowledged multiple times that I was not informed of any fees at the time of deposit. To summarize : I was explicitly told the deposit would be free of charge. Fees totaling {$140.00} ( {$17.00} + {$130.00} ) were later imposed without prior disclosure. I received conflicting and inaccurate explanations from TD representatives. I spent considerable time resolving an issue caused entirely by a lack of transparency and internal miscommunication. Had I been properly informed, I would have chosen a wire transfer, which would have been completed within days at a significantly lower cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Pomelo Technology US Inc
State: CA

Complaint narrative:
I am filing a complaint against XXXX regarding restricted access to my funds. After depositing money into my XXXX account, my account was suddenly restricted. I am unable to transfer funds to any recipient, and my money is effectively locked. I contacted XXXX support multiple times. Their response was not helpful and did not resolve the issue. I was even advised to try sending money to another recipient, which did not work. No clear explanation has been provided for the restriction. This situation is concerning because : * My funds are being held without explanation * I have no access to my own money * Customer support has failed to provide a resolution or timeline I am requesting the following : 1. Immediate clarification of why my account is restricted 2. Clear steps required to restore full access 3. Prompt release of my funds If this issue is related to compliance or verification, I am willing to provide any necessary documentation. However, I need clear instructions and timely communication. This matter is urgent, as it involves access to my personal funds. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MOHELA
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. .

Company response to consumer: Untimely response
Consumer complaint received 2026-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I financed XXXX treatment through Byte approximately XXXX XXXX ago. Byte later instructed me to stop treatment immediately due to safety concerns, which I complied with. Since then, Byte has discontinued all customer support, and I have had no ability to continue or complete the treatment. I also consulted a licensed dentist, who advised that stopping treatment was necessary for my dental health. Despite the service being incomplete and unsafe to continue, I am still being required to make payments on the loan used to finance this treatment. I have attempted to contact Byte to request access to treatment, guidance, and resolution regarding the loan, but they no longer provide customer support. I am requesting that the lender investigate this matter, stop collection efforts, and provide a resolution, including possible cancellation or adjustment of the remaining balance, since the contracted service was never completed and was unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified debt reporting by LVNV Funding LLC. LVNV Funding LLC is reporting XXXX collection accounts on my credit report in the amounts of {$860.00} and {$1000.00}. I previously sent a written request for validation of these alleged debts, requesting documentation including a signed contract, complete payment history, proof of ownership or assignment of the debt, and documentation showing I am legally responsible for the accounts. LVNV Funding LLC failed to provide any of the requested documentation. Instead, the accounts continue to be reported and have been marked as verified with the credit bureaus. I also disputed these accounts with the credit bureaus, and they were verified without any documentation being provided to me explaining how the verification was conducted. To date, I have not received any evidence that I am legally obligated for these debts. Additionally, LVNV Funding LLC, as a debt buyer, must be able to provide a complete chain of assignment from the original creditor to themselves. No such documentation has been provided. This raises concerns regarding compliance with the Fair Debt Collection Practices Act 809 and the Fair Credit Reporting Act 611 and 623. I am requesting that LVNV Funding LLC either provide full and proper documentation validating these debts, including proof of ownership and chain of assignment, or immediately delete these accounts from all credit reporting agencies. The continued reporting of unverified accounts is negatively impacting my credit and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, Transunion, and XXXX have all violated my rights under the FCRA 15 USC 605B. Pursuant to FCRA 15 USC 1681c-2,1681g ( a ) ( 2 ), 1681e ( b ), and 1681i ( a ) ( 5 ) ( B ). I request these items be blocked and removed from my report as soon as possible.

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 2026-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Activehours
State: NY

Complaint narrative:
On XXXX XXXX XXXX I revoked access to earnin to withdrawal money from my account. They still did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was scammed by a sugar daddy into submitting a fraudulent check in my Bank of America mobile check deposit tab unknowingly of an amount of {$700.00} I have taken actions such as filing a police report and writing a letter to Bank of America.

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 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Account with Fraud and identity theft reports. With stolen Social Security Number No account number Card not working

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