vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 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: CA

Complaint narrative:
I called Bank of America because I had gone on Saturday with my husband to be added onto his account. The Bank of America workers told me that I couldnt be added and to give this number call so which I did and I was on the phone with three representative being transferred. Which they told me that. Supposedly theres a check deposit for XXXX XXXX, which I did not know. The representative told me it was the year XXXX that is why they closed my account. I was on the phone for 3 hours with them not helping 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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Capital Ones handling of a returned payment and its continued impact on my account status and credit decisioning. In XX/XX/year>, I obtained a loan to consolidate the balance on my Capital One Quicksilver account ending in XXXX. During this process, the lending institution initially issued a payoff check to an incorrect address. That check was subsequently canceled before proper processing. Despite being canceled, the check was posted to my Capital One account and later returned, resulting in a returned payment designation. This sequence of events was the result of a processing issue during the consolidation transaction and not a failure on my part to make a payment. A corrected payment was issued and successfully applied to my account, and my balance was satisfied. My account is currently in good standing, and all obligations have been met. Although this issue was fully resolved and did not reflect my actual payment behavior, Capital One continues to internally classify my account as having a recent returned payment. This has directly impacted my account evaluation, including the denial of a credit line increase citing this factor. The denial also referenced a past-due status from XXXX. While this was a minor, isolated timing issue that was resolved promptly, it is not representative of my overall payment history. I have contacted Capital One and requested a review of this matter. While the account balance and external reporting have been corrected, they have declined to reconsider or adjust the internal impact of the returned payment designation. This situation does not accurately reflect my creditworthiness. The returned payment resulted from a one-time processing anomaly during a third-party consolidation transaction and not from any unwillingness or inability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/year>, the debt collection company texted my mother about a line-of-credit loan I had taken out. In the text, they included a statement detailing the debt and how much is owed. She is not a co-signer on that loan and has never had anything to do with it. I never added her as a reference or gave her phone number to the original creditor, so there is no reason the debt collector should be contacting her. She forwarded the text to my cell phone number, then replied STOP to the text shed received so that they wont contact her any further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
* * Subject : * * Formal Complaint Against Jefferson Capital Systems , LLC Failure to Validate Debt I am submitting this complaint against Jefferson Capital Systems , LLC regarding their attempt to collect an alleged debt that I do not owe. I dispute this debt in its entirety. Jefferson Capital has contacted me claiming I owe a balance ; however, they have failed to provide sufficient documentation validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I have requested that Jefferson Capital provide proper validation of the alleged debt, including : * A copy of the original contract or agreement bearing my signature * Documentation showing the full chain of ownership of the debt from the original creditor to Jefferson Capital * Proof of transfer of the debt, including all assignments * A copy of any forward flow agreement authorizing the purchase of the debt * The name and address of the original creditor and a complete account history To date, they have not provided adequate proof to substantiate their claim. Despite this, they continue attempts to collect and/or report this account. This behavior is concerning and appears to violate my rights under federal law. I am requesting that the CFPB investigate this matter and require Jefferson Capital to : 1. Provide full validation of the alleged debt, or 2. Cease all collection efforts, and 3. Remove any negative information reported to credit bureaus related to this account I also request that any communication regarding this matter be documented in writing. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
b'On XXXX XXXX XXXX I encountered an alarm on my laptop indicating that my device had been hacked and directing me to contact XXXX XXXX. I called a XXXX XXXX number that I believed to be legitimate XXXX XXXX. I was connected to an individual identifying himself as XXXX XXXX Employee ID XXXX.\n\nThis individual claimed that my financial accounts were at risk and that I needed to take immediate action to secure them as they were used to purchase XXXX XXXX. He instructed me to contact Suncoast and stated that I was being placed on a secure line tel #XXXX XXXX.\n\nDuring the process another individual joined the call identifying himself as XXXX XXXX Suncoast Fraud Department #XXXX XXXX. This person appeared to have knowledge of banking procedures and gave instructions consistent with fraud prevention measures, which made the interaction appear legitimate. \n\nI was told that $XXXX had been compromised and that I needed to secure my funds by purchasing XXXX XXXX gift cards in the amount of $XXXX each totaling $XXXX. I was instructed that providing the card numbers would protect my account and offset the compromised funds.\n\nBelieving I was working directly with my bank to prevent fraud, followed these instructions. I later discovered that this was a coordinated impersonation scam involving individuals posing as both XXXX XXXX and Suncoast.\n\nI immediately reported the incident to Suncoast and filed a dispute. My claim was denied on the basis that I authorized the transactions.\n\nI strongly dispute this determination. The transactions were induced under false pretenses by individuals impersonating trusted entities. I did not intend to transfer money to a third party for their benefit. My actions were taken solely in reliance on fraudulent institutions presented as legitimate security procedures.\n\nThis situation constitutes impersonation fraud and an induced transaction not a valid authorized payment. \n\nI am requesting a-full reconsideration of my claim under impersonation fraud criteria. A detailed written explanation of the basis for denial and copies of any evidence used in the decision making process. \n\nSuncoasts investigation into my claim was not reasonable or thorough. The denial may be based on incorrect assumptions such as alleged PIN disclosure. Under the Electronic Fund Transfer Act I understand that financial institutions are required to conduct a reasonable investigation and provide an explanation of their determination \n\nI am requesting Suncoast Credit Union return my $XXXX to my account. This situation has caused a significant financial hardship. I acted under deception and did not knowingly authorize funds to be sent to a scammer nor did I disclose my PIN number.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Dear JPMCB Card Services : You contacted me by phone and claim I am responsible for a debt with Chase Bank. Please answer these questions so that I can verify whether I have any responsibility for this debt. 1. To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred. 2. Please provide a valid basis for the debt, such as the original contract between me and original creditor. Tell me the date the debt became delinquent and the date the last payment was made. 3. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 4. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 5. Does your agency have a debt collection license in North Carolina? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. I requested this information so that I can make an informed decision on whether I am responsible for the debt. I will need your response to make that decision and would be open to communicating with you on this matter. I would like to know if you are prepared to accept less than the balance you claim is owed. If so, put your offer in writing with the amount you will accept to fully resolve the matter. Please treat this debt as being in dispute. I look forward to your response. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
While I was traveling outside the United States, the hsabank mailed a replacement debit card to my U.S. address. The card was intercepted before I returned. An unauthorized party activated the card, changed the email address on my account without my authorization, and executed a series of unauthorized ATM withdrawals ( including at multiple XXXX ATMs ), draining my entire XXXX XXXX Account balance ( {$2400.00} ) and pushing the account into a negative balance of approximately ( - {$280.00} ). The same unauthorized party then closed the account. All of this occurred while I was physically outside the United States, which I can document with travel records. On approximately XXXX, I contacted the bank to report the fraud. A representative helped me file a fraud claim. One week later, the bank denied the fraud claim. The sole stated reason was that my account was " closed '' ignoring that the closure itself was performed by the fraudster as part of the same unauthorized activity. When I called back to reopen the account so the fraud investigation could proceed, the bank refused because the account carried a negative balance caused by the fraud. I was told to contact the Fraud Department. I had already spoken with the Fraud Department, which told me they could not act because the account was closed. I am now trapped in a circular process created entirely by the bank : Fraud claim denied because the account is closed Account can not be reopened because of the fraud-caused negative balance Negative balance can not be resolved unless the fraud claim is processed Fraud claim can not be processed because the account is closed I have contacted the bank 's support line multiple times. Each call has lasted more than an hour. No resolution has been offered. Each representative has either restated the same circular reasoning or redirected me to another department that has already refused to help. This has caused significant financial harm and has consumed a substantial amount of my working time. I believe the bank has violated Regulation E ( 12 CFR Part 1005 ), which requires the bank to investigate unauthorized electronic fund transfers in good faith, to complete the investigation within the time frames in 1005.11 ( c ), to provide provisional credit where required, and to limit consumer liability for unauthorized transfers under 1005.6. The bank can not lawfully evade its investigation obligations by pointing to an account closure that was itself executed by the unauthorized party. Using the fraudster 's own actions as the basis to deny the victim 's fraud claim is a facially improper outcome and leaves me without any path to recovery through the bank 's normal processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian , XXXX, and XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. I need these items 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 explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Identity Theft Request for Immediate Block of Fraudulent Hard Inquiries ( FCRA Section 605B ) To Whom It May Concern, I am writing to formally report and dispute multiple unauthorized hard inquiries appearing on my credit file as a result of identity theft. I have already filed an official Identity Theft Report with the Federal Trade Commission via IdentityTheft.gov. A copy of my FTC Identity Theft Report is attached for your reference.

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 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: GA

Complaint narrative:
I am receiving frequent text messages from the company regarding an alleged debt. These messages are being sent repeatedly, sometimes multiple times per day, on or about XX/XX/XXXX through XX/XX/XXXX. I believe the frequency of these communications is excessive and constitutes harassment. I am requesting that the company stop contacting me via text message and limit communications to appropriate methods in accordance with the law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
A representative from Commenity Bank called my father-in-law on XX/XX/year> and stated they were calling regarding my XXXX credit card account. This disclosed my personal financial information to a third party without my consent. I believe this violates federal debt collection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX, XXXX, and Equifax have all violated my rights as a consumer under the FCRA 15 USC 605B. I need these items blocked and removed from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: IN

Complaint narrative:
XX/XX/year> accepted a settlement offer from Qualia Collection Services that said and mailed information regarding the balance that was held on the XXXX account ( {$4500.00} ) paid the offer that was ( {$800.00} ) have a confirmation that my debt was no longer a thing with a balance of ( {$0.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am reporting unauthorized fraudulent transactions on my two Capital One accounts ending in XXXX and XXXX. On XX/XX/year>, I noticed some of my savings funds were extracted from my account. I then see charges on my account ending in XXXX that I did not recognize. These transactions were not made by me, and I did not authorize anyone to use my card or account for these purchases. As soon as I became aware of the charges, I reported them to Capital One and filed two separate disputes for the amounts of {$670.00} & {$280.00}. Despite this, my claims was denied due to electronic log in history. I've submitted evidence proving that these charges were not authorized or made by me, and requested reinvestigation on these claims multiple times and was told there is no timeframe for resolution, which is unacceptable for a fraud-related issue. On XX/XX/year>, I noticed more charges on my account ending in XXXX that I did not recognize. These transactions were also not made by me, and I did not authorize anyone to use my card or account for these purchases. As soon as I became aware of these charges, I reported them to Capital One and filed three more separate disputes for the amounts of {$610.00}, {$560.00} & {$540.00}. Despite this, these three claims were denied as well due to the same reason. I've submitted evidence proving that these charges were not authorized or made by me, and once again requested reinvestigation on these claims multiple times and was still told there is no timeframe for resolution. I want to clearly state that I did not make, approve, or benefit from these transactions. I have supporting evidence, including ( texts/screenshots/ldocumentation etc. ) showing that I'm not responsible for these charges. While I did share my card information with an individual for a specific and limited purpose, I did not authorize the transactions that are being disputed. The charges in question go beyond what I agreed to and were made without my knowledge or consent. I am requesting a full reinvestigation of this matter, removal of all fraudulent charges, and reimbursement of {$2600.00}. I also request a clear timeline for resolution and clear confirmation of the outcome. If necessary, I am prepared to provide additional documentation to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE
State: MA

Complaint narrative:
I am a XXXX Schwab Bank account holder along with my XXXX XXXX XXXX wife On XX/XX/XXXX, I notified Schwab Bank of unauthorized ACH transfers induced through sophisticated impersonation of Schwab 's identity and internal processes. Four transfers of nearly equal amounts were executed in rapid succession a documented fraud signature. Schwab 's own systems flagged the activity within approximately 2 hours. Schwab Bank has determined I am not entitled to relief because I 'authorized ' the transfers. The CFPB 's XX/XX/XXXX updated guidance explicitly states that fraudulent inducement to share account access does not constitute authorization under Regulation E. Schwab 's denial is based on a legal theory the CFPB has specifically rejected. Additionally : Schwab has communicated their denial only through my investment adviser XXXX not in writing directly to me as required by Regulation E. I have received no response to requests for the names of responsible officers, confirmation of data retention, or status of Hold Harmless Letters to receiving banks. I sent a formal written demand to Schwab 's Elder and Vulnerable Populations office on XX/XX/XXXX requiring direct written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I applied for a personal loan with Sofi on XX/XX/year> for {$10000.00}. I was denied the loan and instead made a different offer from their partner at XXXX XXXX XXXX for max amount {$10000.00}. Sofi is refusing to provide me with the reason for the denial of the original loan and has not provided an adverse action letter though I was told they were not able to provide me with a loan at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
They claim around XXXX of XXXX i missed a payment. They claim that the payment was automatically drafted from my account and reversed back due to insufficient funds. But they havent showed me proof that my payment was reversed back to me. And Ive been being for a year and a half for almost {$200.00} a month in fees.

Company response to consumer: Closed with explanation