vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX of XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Improper foreclosure processes, Truth in Lending Act ( TILA ) issues. False Claims Act ( FCA ) : XXXX XXXX of XXXX XXXX XXXX XXXX XXXX endorsement unauthorized forged security note. not contracted for the construction of the house, forced to pay mortgage, taxes and upkeep for the house since XXXX XXXX of was violations of the Dept of professional regulation standards, unlicensed, constructed a unpermitted substandard house violation and trespass. XXXX mortgage of Virginia and affiliates or subsidiaries violated, the False Claims Act, Unfair and Deceptive Acts Civil Action. on vacate lot worth {$25000.00}. placed unauthorized house placed on vacant land to increase property value times x the millage rate. Unlawful or deceptive mortgage servicing by XXXX XXXX XXXX and XXXX or fraudulent documentation mismatched credential used of two different people records copied on a security note. Unauthorized blank endorsement Forged note XXXX mortgage servicing misconduct Financial harm since 2005 Improper documentation Select Portfolio Servicing and XXXX XXXX sued for {$120000.00}. and pretended to be bidder auction for {$130000.00}. times the millage rate increased the property value {$300000.00}. and restricted the property used of the house. False statement to a government entity seventh circuit court of XXXX XXXX. XXXX XXXX of XXXX and affiliates or subsidiaries violated, the False Claims Act, Unfair and Deceptive Acts Civil Rights violation of Color of Title violations USC 42 sect 19832 and Title 18 sect 242.Action. the house placed on two of my vacant properties vacate lot worth {$25000.00}. placed unauthorized house placed on vacant land to increase property value times x the millage rate.is represented collateral value to obtain federal funds. Fraudulent or unauthorized XXXX assignment Mortgage blank indorsement. Forced payments, taxes, and upkeep since XXXX under a disputed debt. I did not contract for ( construction vs. purchase ). SXXXX XXXX XXXX XXXXXXXX XXXX ( or its affiliates/subsidiaries in XXXX ) XXXX increased the assessed value of a vacant lot by placing an unauthorized structure on it, and that this may relate to False Claims Act violations or Unfair and Deceptive Acts and Practices ( UDAP ). mortgage servicing and foreclosure abuses. filed during the pandemic and took possession of the house and money and land. case XXXX XXXX Request the following documents ( critical evidence ) Send a written request to the servicer for : Certified copy of the original promissory note Allonges with endorsements XXXX XXXX Report Full chain of title Closing documents from XXXX Any constructionrelated agreements ( if they claim one exists ) Forged signatures Improper endorsements Backdated assignments Robosigning patterns

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TN

Complaint narrative:
I have asked for proof, I have asked for copy of a bill, I do not even owe this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I discovered that a Capital One bank account was fraudulently opened using my Social Security number and personal information without my knowledge or authorization. I am a victim of identity theft. I contacted Capital Ones fraud department the same day. During that call, I was told by a representative that I could not be provided with any information about transactions or activity on the fraudulent account because the account is listed in my name. This is unacceptable. I did not open this account, did not authorize anyone to do so, and did not benefit from it in any way. As the documented victim of identity theft, I have a right to these records under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ( e ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was given an American Express XXXX XXXX XXXX that was activated around XX/XX/XXXX. Even though the card had remaining funds available, multiple attempts to use the card for normal retail purchases were declined. The transaction history shows repeated Declined Retail Merchant entries while funds remained on the card. During the same period, recurring Processed System charges of {$3.00} continued to be deducted from the balance until the remaining funds were depleted. I made reasonable attempts to use the card in ordinary retail transactions, but the card repeatedly failed. Because the card could not successfully process purchases, I was effectively prevented from accessing the remaining balance while monthly fees continued to be charged. On XX/XX/XXXX, I contacted American Express customer service at XXXX to request assistance and reimbursement. The representative was unable to resolve the issue or restore the depleted funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported on my consumer report. I am also a documented victim of a major data breach that exposed my personal information, which requires heightened procedures to ensure maximum possible accuracy under the Fair Credit Reporting Act. There are unauthorized inquiries, inaccurate negative account details, and incorrect payment history being reported without sufficient documentation or competent evidence showing the information is complete and accurate. In addition, proper documentation, details regarding the method of verification, and proof that reasonable procedures and safeguards were applied have not been provided. The continued reporting of inaccurate and unverified information is negatively affecting my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/year> Truist Bank sent me a series of emails to my XXXX email address about the account opened XX/XX/year> using my name. I called Truist Bank XX/XX/year> and Truist Bank completed a request to investigate this false account and to close this account I have never had any accounts with Truist Bank. Request each credit bureau to investigate any references to any Truist accounts associated with me.

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one says they protect their consumers from fraud. I had fraud debit card charges on my business debit card and they refuse to issue temporary credit even after Ive given them the police report and the person who used my cards is in jail. He also stole checks and they havent issued my money back for that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Subject : Rebuttal to American Express Response dated XX/XX/year> ( Ref : XXXX / CFPB Ref No : XXXX ) 1. Unlawful Gatekeeping of FCRA 609 ( e ) Records. In their XX/XX/year> letter, Amex stated they will withhold application records until I execute their internal " affidavit of identity ''. This is an explicit violation of 15 U.S.C. 1681g ( e ). The statute dictates that a business must provide these records within 30 days upon receipt of a valid FTC Identity Theft Report and government ID. Amex received these exact items on XX/XX/year>. They have no legal authority to create extra-statutory administrative barriers to suppress electronic evidence. 2. Circular Logic Regarding Bank Payments and " Benefit ''. Amex asserts I " benefited '' because payments originated from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Bank. This is completely unsubstantiated. An identity thief who steals a consumer 's profile can easily compromise or open accounts across multiple banking institutions simultaneously. Amex is using the existence of unauthorized bank transfers to retroactively validate an unauthorized credit card account. They can not prove I " benefited '' without providing the electronic logs, IP addresses, and physical delivery records I legally demanded under 609 ( e ). 3. Direct Contradiction of FCRA 605B Standards. Amex dismisses the fact that XXXX XXXX and XXXX permanently deleted and blocked account ending in XXXX under FCRA 605B. While credit bureaus legally recognized my identity theft documentation as sufficient to trigger permanent blocks, Amex continues to report this fraudulent information as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Two different dates that the account was opened and no proof this account belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I am filing a complaint regarding Upgrade 's handling of my checking account. My account was suspended more than seven days ago for alleged unusual activity. The only activity I am aware of that may have triggered the review was a personal check deposit that was returned for insufficient funds because the check writer did not have enough money in their account. I never received any proceeds from that check. Since the suspension, Upgrade has not provided a meaningful explanation, requested documentation, or given any timeline for resolving the matter. Customer service representatives have repeatedly instructed me only to wait for an email. Approximately {$450.00} in legitimate payroll funds from my employment remain inaccessible due to the account suspension. These funds are necessary for basic living expenses. I am requesting that Upgrade provide a clear explanation of the account status, complete its review promptly, and either restore access to my account or promptly release my funds in accordance with applicable banking requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This complaint is being submitted against Wells Fargo for failing to properly protect me as a customer regarding disputed credit card transactions related to XXXX & XXXX XXXX. The total disputed amount is {$23000.00}, consisting of the following transactions and claims : * {$10000.00} Claim # XXXX XX/XX/year> * {$5000.00} Claim # XXXX XX/XX/year> * {$3600.00} Claim # XXXX XX/XX/year> * {$5000.00} Claim # XXXX XX/XX/year> These transactions were disputed because the installation work was never properly completed, the project was left unfinished, and significant damages were caused to my property after the installation process. Despite repeatedly notifying Wells Fargo, providing evidence, photographs, reports, estimates, emails, and documentation regarding the incomplete installation and resulting damages, Wells Fargo failed to properly investigate and protect me as the cardholder. The bank continued treating these transactions as valid even though the contracted work was never completed as agreed and the services provided resulted in substantial damages to my property, including water intrusion and mitigation damages associated with the defective installation. I repeatedly contacted Wells Fargo to dispute these charges and requested assistance under the protections that should apply to credit card consumers in situations involving defective, incomplete, disputed, or unauthorized transactions. However, Wells Fargo representatives repeatedly denied the disputes, failed to provide meaningful assistance, and improperly closed the claims despite the extensive supporting evidence submitted. The charges should never have been treated as properly completed transactions because the installation was never finalized and the work performed caused ongoing damages to the property. Wells Fargo failed to reasonably protect my account, failed to properly evaluate the evidence provided, and failed to act in good faith during the dispute process. I am requesting the immediate reimbursement of the full disputed amount of {$23000.00}, correction of the handling of these disputes, and a full review of Wells Fargos failure to properly investigate and protect me as the consumer in this matter.

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX illegally bait and switched me and stole my money. Bank is refusing to honor the clearly illegal practice and refuses to compensate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am reporting Cavalry SPV I , LLC and XXXX XXXX XXXX for systemic privacy violations and failure to perform a reasonable investigation. Despite my formal written notices sent on XX/XX/year> and XX/XX/year> confirming my correct address, the collector intentionally continued to mail highly sensitive financial documentsincluding dozens of pages of my private bank recordsto an unauthorized third party at my former address. As a direct result of this negligence, my neighbor at that address received my private financial information and has provided a signed statement confirming receipt of these documents. This constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( b ), which prohibits the disclosure of debt information to third parties. Furthermore, the collector has failed to provide a valid 'chain of title ' for this debt as required by California Civil Code 1788.52. Despite my repeated disputes with credit reporting agencies, this inaccurate and unverifiable trade line remains, as the collector continues to verify it using flawed data. I have attached documented proof of these privacy breaches, including my written notices to the collector and the evidence of the misdirected mail. I request that the CFPB investigate this collector 's privacy compliance procedures and that this account be permanently removed from my credit report due to the collector 's bad faith and regulatory non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo is a scam bank. They allow fraud. I reported fraud and got zero response. They tell me my card was stolen XX/XX/XXXX? No XXXX XXXX it was skimmed and used thru can see but say its my fault. They do not investigate anything. How do I know? If I dont supply proof they side with and purchase you maje dont look at history or do anything. Wells has been sued by many entities over this kind of scam they allow. Again Wells Fargo is a scam bank

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 2026-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
I am disputing the accuracy of the debt reporting by XXXX XXXX XXXX XXXX XXXX The original XXXX XXXX loan was opened in XX/XX/XXXX, and missed payments began in XXXX. However, the collection reporting appears misleading and inaccurate regarding the timeline of the debt. I disputed the account through the credit bureau and requested proper verification/documentation, but the company did not adequately provide the requested information. The inaccurate reporting is negatively affecting my credit profile and has already impacted my ability to obtain financing. I am requesting that the company investigate the account, correct any inaccurate reporting related to the delinquency timeline and credit reporting, and remove any information that can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
On XX/XX/year>, I filed a dispute with SoFi for {$4400.00} in unauthorized, fraudulent transactions resulting from an account takeover and hack. On XX/XX/year>, SoFi issued a final denial stating " no error occurred '' and closed the matter.SoFi previously alleged that I was actively freezing and unfreezing my card. This is entirely false. My digital banking credentials were completely compromised by an outside hacker who controlled the account settings and executed these fraudulent transactions.I have filed a formal police report regarding this cyber-theft. I have already provided a photo of this report to SoFi, and I am obtaining the certified courthouse physical copy with the case number this Friday. SoFi has failed to perform a proper forensic review of the login IP addresses, locations, and device signatures, which would prove that I was not the person accessing the app or authorizing these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding Cash Apps denial of my fraud claim involving approximately {$2400.00} in losses caused by an impersonation/social engineering scam. I believed I was communicating with a legitimate XXXX XXXX XXXX XXXX representative XXXX During the interaction, I was instructed to move funds and send transactions that I believed were necessary to protect my account from fraud activity. The transactions were completed from my own device because I believed the instructions were coming from a legitimate fraud XXXX associated with my bank. I did not knowingly or willingly send money to a scammer for personal purchases, investments, or gifts. Cash App recently denied and closed my complaint, stating that the transactions were authorized because they originated from my device and credentials. However, my complaint is based on deception and impersonation fraud. I was manipulated through false representations and social engineering tactics. I respectfully request that Cash App conduct a further review of my case considering the circumstances of impersonation fraud and deceptive inducement. I have attached supporting documentation, including Cash App correspondence, transaction information, and screenshots related to the incident. Cash App XXXX XXXX : XXXX Thank you for your time and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Braviant Holdings, LLC
State: WI

Complaint narrative:
This is a continuation to the act of corruption by Balance credit. This complaint system is ridiculous. They never contacted me and you closed the complaint. I told you I reject their unprofessional. Copy and pasted response. There was no resolution offered. They did not respond to me. I called them at least 4 times. They are breaking the law and sabotaging my life. I have payment. They are rejecting payment and this corrupt government is allowing them to destroy my life. This is XXXX. There is conspiring happening per USC code. The government is guilty of oppression. They are ignoring slavery and attacks by the foreign financial institutions. Treason!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened an American Express Rewards Checking account and accumulated approximately XXXX Membership Rewards points through the account. On or around XX/XX/year>, I discovered that my Rewards Checking account had been automatically closed because the required funding activity was not completed within the 60-day timeframe. Even on XX/XX/XXXX, I still got the statement. This closure was not related to fraud, abuse, suspicious activity, chargebacks, or any other misconduct. After the account closure, I discovered that all approximately XXXX Membership Rewards points associated with the account had been forfeited. I contacted American Express customer service and supervisors through chat and was informed that the points could not be reinstated or transferred because the account had been closed under the program terms. I respectfully requested assistance because I was unaware that failure to complete the funding requirement would permanently forfeit all accumulated Membership Rewards points. Had I understood this consequence, I would have completed the required funding activity or maintained another eligible Membership Rewards account. Since learning of the forfeiture, I have already opened a new eligible American Express Membership Rewards account in good faith to continue my relationship with American Express. I am respectfully requesting that American Express review this matter for a one-time goodwill reinstatement of the forfeited Membership Rewards points to my new Membership Rewards account.

Company response to consumer: Closed with explanation