vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Fifth Third Bank regarding an unresolved forged endorsement/check fraud matter that has resulted in repeated delays, contradictory information, and the failure to deliver funds owed to me. Timeline : A refund check ( # XXXX, amount {$210.00} ) issued by Fifth Third Bank was fraudulently endorsed and cashed by someone other than me. I never received or authorized this check. I filed a police report with XXXX XXXX Police Department ( Report # XXXX ) and completed and submitted a notarized fraud affidavit packet as requested by Fifth Third Bank. Fifth Third Bank opened case # XXXX on XXXX XXXX, 2025, and advised that the investigation could take up to 120 business days. After the 120-business-day period passed without resolution, I contacted Fifth Third Bank for an update. On XXXX XXXX, 2026, I spoke with a representative named XXXX. She informed me that back in XXXX 2025, my claim had been approved and that a replacement check had already been issued to my old address. XXXX stated that the replacement check appeared as never cashed, indicating that I never received it. XXXX advised that a third check would be reissued to my current residential address, and I updated my address with customer service on XXXX XXXX, 2026. Nearly two weeks later, I still had not received the check. On XX/XX/XXXX, I contacted Fifth Third Bank again and was informed that the request had actually been denied on XX/XX/XXXX. This directly contradicts what XXXX told me on XXXX XXXX, 2026. On XXXX XXXX, 2026, I also contacted the XXXX of the XXXX and spoke with XXXX, who stated that a new request would need to be submitted to open another case, that my address change would take approximately XXXX business days to update in the system, plus another XXXX business days for mailing, and that she could not provide a new case number. At this point, I have received multiple conflicting explanations : Claim approved in XXXX 2025 Replacement check issued, but never received Told a third check would be reissued Told the request had been denied Told a new case must be opened without a case number I have fully complied with all requests from the bank, including providing a police report and notarized affidavit. Despite this, I still have not received my funds. I am requesting : A full and accurate investigation into the status of this claim Documentation showing any checks issued or negotiated, including front/back images and endorsement signatures Deposit trace information for any check claimed to be cashed Immediate reissuance of my funds through a secure and trackable delivery method Written clarification regarding the contradictory information provided by Fifth Third Bank representatives I am seeking a resolution and reimbursement of the funds owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My phone was stolen while I was traveling in XXXX. After the theft, the person who took my phone gained access to my device and banking apps and initiated unauthorized XXXX transfers from my XXXX account totaling approximately {$1000.00}. I did not authorize or initiate these transactions. I immediately took steps to stop additional fraud once I became aware of it. XXXX denied my fraud claim stating the transactions were made from my device. However, the device was physically stolen and compromised, and the transactions were made by an unauthorized third party with access to my phone and credentials. I am requesting a full reinvestigation under Regulation E of the Electronic Fund Transfer Act for unauthorized electronic transfers and a reversal of the denied claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I am submitting a complaint against multiple debt collection agencies for potential violations of federal consumer protection laws. After disputing the debts and requesting proper validation, the companies failed to provide sufficient evidence that I am legally responsible, such as original agreements, ownership documentation, or complete account records. Despite this lack of verification, collection efforts and credit reporting may have continued. This raises concerns about possible violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), particularly regarding debt validation and the accuracy of reported information. In summary, these agencies appear to be attempting to collect and report unverified debts, suggesting possible noncompliance with federal regulations.

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 2026-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
This is where you paste the complaint narrative. Here 's a clean plain-text version ready to copy ( note : the form says don't include personal info like your name or account number the CFPB will ask for that separately ) : I am filing this complaint against Freedom Mortgage and its loss draft servicer, XXXX XXXX XXXX XXXX XXXX for the unreasonable withholding of insurance loss proceeds and a pattern of poor communication, administrative errors, and delays. I sustained property damage covered by my homeowner 's insurance policy with XXXX. XXXX issued an insurance payment made payable to both myself and Freedom Mortgage as the lienholder. I endorsed the check and sent it to XXXX XXXX for processing and disbursement. On XXXX XXXX, 2026, XXXX XXXX confirmed by email that the funds had been deposited into a restricted escrow account. They stated a contractor 's proposal/estimate and inspection were required before releasing funds. On XXXX XXXX, 2026, Loss Draft XXXX XXXX XXXX requested a signed waiver of lien from my contractor but failed to attach the form to the email. After I pointed out the missing attachment, she resent it later that day and said the matter was being submitted for " management review. '' I also requested contact information for Freedom Mortgage 's complaint or legal department, which was never provided. On XXXX XXXX, 2026, I submitted the completed, signed waiver of lien as requested and noted I still had not heard back from Freedom Mortgage. As of XXXX XXXX, 2026, I have requested my final draw and have received no disbursement of any funds. My insurance money has been held in restricted escrow for over six weeks. I have complied with every request made by the servicer.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I proactively contacted Regions Bank after realizing I was targeted by a phishing attempt. I requested that the bank place a temporary hold on my account to prevent unauthorized access or loss of funds ( Claim number - XXXX ). I was explicitly told that the hold would remain in place for 30 days while the matter was reviewed. It has now been more than 60 days since the hold was initiated, well past the promised XXXX timeline. Despite my proactive communication, Regions Bank has refused to release the hold or grant me access to my money. Furthermore, Regions Bank has placed the checking account on a restrictive status where it is blocked for all withdrawals, yet they have left it open to accept incoming deposits. Money is actively being sent to and trapped in this account by the bank. Refusing to allow me access to my funds while simultaneously continuing to accept new deposits into the restricted account is an unfair and abusive practice that is compounding my financial hardship. I have called customer service and specialized helplines repeatedly, but the telephone agents refuse to do anything to resolve the situation over the phone. Instead, they require me to visit a brick-and-mortar branch in person to verify my identity and manage the account. This requirement is an impossible barrier for me. I originally opened this account at a branch in XXXX, Mississippi. I am currently located in XXXX, Massachusetts. Regions Bank does not operate any physical banking branches in the state of Massachusetts. Traveling hundreds of miles back to a state with a branch is physically and financially impossible for me. Because of the bank 's refusal to offer any secure, remote verification method ( such as a video call or secure document upload ), my funds are being held XXXX indefinitely. I am suffering a severe financial hardship because I can not access my own money. Since the bank is unwilling or unable to accommodate an out-of-state customer over the phone, I am officially requesting to sever my business relationship with them. Desired Resolution : I request that Regions Bank terminate our business relationship, close my account entirely, and mail a final cashier 's check for my full account balance to my current residential mailing address in my account information.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was denied help and access to funds that were ach transfered to the account told it was my fault for to much activity. I just wanted to send some money to friends and family and pay bills they said the funds were available but couldn't help me get any of the funds despite numerous verification process that were successfully verified many many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I was scammed into a check cashing scam with my bank and now my bank account is closed and I cant open another bank account with another bank I was scammed into sending the money via Cash App I have all the proof showing I was scammed I truly didnt know this was a scam I was told this was for a care taker job I signed a contact and come to find out the contact was fake

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax , Experian XXXX Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I filed a dispute with my bank regarding a hotel charge from XXXX that I did not receive a refund for. As part of the dispute process, I was issued a temporary credit. After the dispute was initiated, I obtained new documentation from the hotel confirming that a refund had already been issued on XX/XX/XXXX through the booking platform. This information was not available at the time the initial dispute was reviewed. Despite this, the bank reversed the temporary credit without resolving the issue or considering the new evidence. As a result : * My account became overdrawn * Funds were transferred from my savings account to cover the negative balance * My account still remains in the negative * I have been left without access to my funds Additionally, I have attempted to contact the bank regarding this issue and have not received a timely response. I am still waiting for my case to be reviewed, reopened, and I have not yet received a response since providing new details. I am requesting : * Reopening or reinvestigation of my dispute with the new documentation * Reinstatement of the temporary credit while the investigation is ongoing * Reimbursement of any overdraft-related impacts, including transferred funds * A full explanation of how the dispute was handled and why the credit was reversed without resolution I can provide documentation from the hotel confirming that a refund was issued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I am filing a complaint regarding an unauthorized cryptocurrency transaction involving XXXX XXXX that resulted in a financial loss of approximately {$12000.00} USD. On XX/XX/year>, I transferred approximately XXXX XXXX from my XXXX account into my XXXX XXXX. The wallet application was downloaded directly from the XXXX XXXX XXXX and secured using device-level biometric authentication ( XXXX ID ). The funds were successfully received. Shortly thereafter, the entire balance was transferred out of the wallet via a transaction that I did not authorize. Transaction ID : XXXX I did not share my recovery phrase or private keys, nor did I approve any such transaction. XXXX analysis shows that the funds were : * Aggregated into an address receiving approximately XXXX XXXX from multiple unrelated sources * Consolidated into a secondary wallet ( XXXX XXXX ) * XXXX split across multiple addresses in a pattern consistent with coordinated laundering activity This strongly suggests a broader pattern affecting multiple users, not an isolated incident. XXXX has acknowledged the transaction details and my claim that the transfer was unauthorized. However, they have declined any remediation based solely on a general self-custody policy, without addressing : * The immediate timing of the unauthorized transaction following deposit * The use of biometric authentication on the device * The structured, multi-wallet laundering pattern indicating coordinated activity * Whether any similar incidents have been reported or investigated My concern is not limited to reimbursement, but also includes : * Adequacy of consumer protection and risk disclosures * Whether sufficient safeguards exist against known wallet-draining attack vectors * Whether XXXX has conducted any investigation into potential vulnerabilities or systemic risks I am requesting that Robinhood : XXXX. Conduct and document a formal investigation into this incident XXXX Review any available logs, access patterns, or anomalous activity XXXX. Disclose whether similar incidents have been reported XXXX. Provide a substantive response beyond standard policy disclaimers This matter has also been reported to federal authorities and state regulators. I am seeking accountability, investigation, and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Hello, I am contacting you regarding an incorrect balance that was sent to collections. I canceled my service with XXXX and returned all equipment. At the time of cancellation, I was told the charges would be removed. I am now being billed {$1400.00} for service, which I did not receive after cancellation. This appears to be a billing error. I am requesting the following : XXXX. A full explanation and documentation showing the dates of service you claim I owe for. XXXX. Proof that I agreed to these charges. XXXX. Proof that the service was active after the date I canceled. XXXX. Correction of the account balance if this debt is inaccurate. XXXX. Immediate recall of the debt from Radius Global Solutions if the charges are found to be incorrect. Please send written confirmation to my email once the account is corrected. Thank you.

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 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MO

Complaint narrative:
I discovered a collection account reported by Jefferson Capital LLC on my credit report that appears to be related to a previous XXXX XXXX account. However, there are significant inconsistencies between the original XXXX account and what Jefferson Capital LLC is reporting. The original XXXX XXXX account shows a balance of {$1200.00} with a first delinquency date of XX/XX/year>, and a date opened of XX/XX/year>. In contrast, Jefferson Capital LLC is reporting a higher balance of {$1300.00} along with different account details, including a later reported date opened. I was not provided any explanation for the increased balance or documentation showing how this amount was calculated. I have never entered into any agreement or contract with Jefferson Capital LLC, and I have not received proper notice or validation of this debt transfer. I was not given a breakdown of any additional fees, interest, or charges that would justify the increased amount from the original XXXX balance. I disputed this account because it appears inaccurate, inflated, and unverified. I have not been provided with sufficient documentation showing that I am legally responsible for the amount being reported, including a full accounting of the original XXXX debt and proof of assignment to Jefferson Capital LLC. Despite these discrepancies, this account has been reported on my credit report and is negatively impacting my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I applied for a mortgage assumption beginning XX/XX/XXXX and submitted all requested documentation. On XX/XX/XXXX, I paid {$1000.00} to proceed with the assumption review process. The application remained in process for over XXXX months. A denial decision was made on XX/XX/XXXX ; however, I was not notified at that time and only became aware after I followed up on XX/XX/XXXX. I received a response on XX/XX/XXXX. The initial denial reasons were listed as credit application incomplete and unable to verify income. These were later expanded to include credit-related factors such as high balances, recent inquiries, and account age. The initial reason of credit application incomplete appears inconsistent with the later explanation citing credit profile factors, and it is unclear why these issues were not identified or communicated earlier. I am disputing the {$900.00} processing fee included in the total payment. The company has not provided a clear explanation of what specific processing was performed to justify this fee, particularly given that the assumption was denied. A partial refund of {$180.00} was issued, but no clear itemization has been provided explaining how the full payment was allocated. Despite multiple follow-up requests, my requests for clarification regarding the fee, the timeline, the delay in communication of the denial decision, and the inconsistency in the stated reasons for denial have not been fully addressed. I am requesting a detailed explanation of the fees charged, a review of the {$900.00} processing fee, and consideration of an additional refund based on the handling and outcome of the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
Made large deposit in my account which has not had any deposits in XXXX years but was not dormant. Made transfers in different account but put on hold, is under manuel Review since

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading reporting on my credit report by Bridgecrest. This account is being reported as a repossession with a remaining balance ; however, I have serious concerns regarding the accuracy of this balance and the way this account is being reported. I requested information from the company regarding this account, including a breakdown of the balance and details surrounding the repossession, but I have not received sufficient documentation. I am requesting verification of : * A full breakdown of how the remaining balance was calculated after the repossession * Documentation showing the sale of the vehicle, including the sale date and sale amount * An itemized list of all fees, interest, or charges added after repossession * The date of first delinquency * The reason this account continues to update on a monthly basis Without this documentation, I can not verify that the reported balance is accurate. If Bridgecrest is unable to provide complete and accurate documentation supporting this account and its reported balance, I am requesting that it be deleted from all credit reporting agencies immediately. This matter has not been properly investigated, and I am requesting a thorough review. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation