vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: ID

Complaint narrative:
This complaint is related to a previously submitted CFPB complaint regarding the closure of a checking account without notice. I am submitting this to ensure that the representative payee account, which was also closed without notice at the same time, is fully included and reviewed. This involves a representative payee account for a vulnerable beneficiary, and the closure has prevented access to funds required for medication and essential care. As a result, checks have been returned and fees incurred. I have contacted U.S. Bank multiple times but have not been provided with a clear explanation, access to funds, or a resolution timeline. I am requesting immediate restoration of access to funds or, if that is not possible, immediate release of all funds, reimbursement of all fees, and a written explanation for the closures without notice.

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 2026-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These entries are unauthorized. Kindly investigate and delete. Docs attached.

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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
I was arrested XXXX XXXX XXXX and did XXXX months in prison. When I got to the jail I realized my wallet was stolen by my roommate. I told the sheriff, and they said there was nothing I could do while I was in custody. They stole my tablet which had my XXXX on it and were able to get the pins to my debit cards. They then changed the phone numbers, and the recover emails on the accounts. " I am a victim of identity theft. Cash App has closed my account and is now blocking my email address, citing 'Acceptable Use Policy. ' They are refusing to give me access to XXXX fraudulent transaction receipts I need for a police report. I am being denied my rights under Regulation E to access my account history to dispute unauthorized charges. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
My Robinhood account was closed while I still had approximately {$9500.00} in my balance. A withdrawal attempt on XX/XX/XXXX failed because my linked bank account had been closed. Since then, no new transfer has been initiated, and my funds remain visible in my Robinhood account but are inaccessible. Robinhood continues to state they are working with my bank, however my bank has confirmed there is no incoming transfer and no ACH activity exists. Robinhood has also been unable to provide an ACH trace number or confirm that any transfer has been initiated. My previous support case was closed without resolution, and I continue to receive generic responses without a clear timeline or action taken to release my funds. I am requesting that my funds be released to me promptly via an alternative method such as a check, as the original transfer method has already failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
STATEMENTS ARE ON THE MAIL SINCE I COULD NOT UPLOAD THEM IN YOUR WEBSITE TOO BIG. PLEASE HELP IS 4 CREDIT CARDS THAT IS COMPANY IS DOING WRONG AND I AM SURE WITH SO MANY MORE CONSUMERS Dear Sir/Madam, Re : INDIGO Credit Card Account ending in XXXX I am writing to formally dispute unauthorized charges on my account totaling {$150.00}, incurred between XX/XX/XXXX and XX/XX/XXXX. These charges consist of " Annual Fees, '' " Credit Protection Fees, '' and " Monthly Fees '' that I did not authorize. Although a supervIsor previously credited a portion of these fees total credit {$24.00}, a significant balance of {$130.00} still remains. I am requesting an immediate credit for all such charges mentioned in this letter, as well as the cessation of these fees moving forward. I only authorize standard monthly finance charges. would also like to address the persistent solicitation for credit protection. Despite having previously declined this service, I am forced to click " decline '' across four separate prompts every time I sign in to make a payment. These tactics are obstructive, unprofessional, and disregard my expressed preferences. Futhermore., I am concerned about the handling of my most recent payment. My payment is due on the XXXX of every month, and I successfully submitted my XXXX payment on time on the XXXX. Despite this, Concora Credit applied a late charge to my account, which was only later credited back. When I inquired, I was informed that because the XXXX fell on a Friday, the system automatically applied a late fee during the 2-3 day processing period. This practice is unacceptable. Reporting a late charge and subsequent " courtesy '' credit creates a misleading financial record that does not accurately reflect my timely payment history. It is unfair to expect consumers to constantly monitor their accounts for illegitimate charges that the company may or may not remember to reverse. I request that you review these systematic issues and ensure that timely payments are accurately reflected without the application of predatory or " automated '' late fees. I also request that you cease the repetitive solicitations during the login process. Attached are copies of my statements with the unauthorized transactions highlighted for your review. Please contact me at XXXX, by mail at the address above or by email XXXX to resolve this matter. If these charges are not credited promptly, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX. I look forward to your timely response and a professional resolution. Respectfully, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
} I am adding additional information to my complaint. After requesting documentation related to my denied dispute ( Claim ID : XXXX ), I was told it would be provided within 10 business days. I followed up and spoke with a representative who confirmed there was no record of my request. During the same interaction, the call was disconnected. When I called back, I was told that they could not assist me with obtaining the requested documents. I am requesting that Chime provide all documentation used in their investigation and explain why my request was not processed and why I was denied assistance when attempting to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
6 months ago my information another women with the same name and birthday as me BUT DIFFERENT SOCIAL SECURITY NUMBERS account got merged with mine at XXXX XXXX which let me discover that there is a woman in XXXX XXXX that has the same name and b-day as me but we have completely different socials since that I learned her debt was being reported on my CREDIT REPORT! I have been able to get everything removed except one for NATIONAL CREDIT SYSTEMS INC CREDITOR FOR THE GUARANTORS I have filed a dispute with this company and filed a dispute with XXXX XXXX which is the only one of the three credit bureaus Im having this issue with! I HAVE NEVER LIVED IN ANY STATE BESIDES XXXX I have lived in the same county since birth I HAVE NEVER BEEN TO XXXX NOR WANT TO GO TO XXXX! I have uploaded my SOCIAL SECURITY CARD and DRIVERS LICENSE WITH XXXX AND NATIONAL CREDIT SYSTEMS INC.. They still have not removed this from my credit report and its effecting my credit! I have placed a Fraud Alert on my credit I have filled disputes on everything that is not mine and this is the only company that denied my dispute and will not remove this debt THAT IS NOT MINE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by LVNV Funding LLC. LVNV Funding LLC filed a lawsuit against me regarding an alleged debt. This case was heard in the Connecticut Superior Court and was ultimately dismissed. The plaintiff failed to provide evidence or complete a required fraud investigation, and the court dismissed the case. Despite this dismissal, LVNV Funding LLC continues to report this account on my credit report. This is inaccurate and misleading. The company had the opportunity to validate this debt in a court of law and failed to do so. Continuing to report this account suggests that the debt is valid, which is not supported by the outcome of the case. I have disputed this account and provided documentation of the court dismissal. However, the account remains on my credit report. This is a violation of the Fair Credit Reporting Act, which requires that all reported information be accurate and verifiable. I am requesting : Immediate deletion of this account from all credit reporting agencies Correction of my credit file to reflect accurate information Written confirmation that this account has been removed I have attached the official court dismissal order as supporting documentation. This matter has caused harm to my credit standing and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I am writing to formally dispute multiple collection accounts that have been reported under my name and assigned to First Point Collection Resources on your behalf. The accounts in question reflect balances of {$390.00}, {$630.00}, and {$220.00}. I am disputing these amounts as inaccurate and not representative of any valid debt that I owe. I have maintained an active auto insurance policy with XXXX XXXX XXXX and have not terminated my coverage. Any charges that may have been generated appear to be the result of policy changes, billing adjustments, or internal accounting errorsnot legitimate delinquent accounts. Despite my attempts to resolve this matter, I have not been provided with a clear explanation or accurate accounting of these charges. Reporting these amounts to a collection agency while I remained an active customer is improper and has caused harm to my credit profile. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting the following : A full investigation into the origin and validity of each of the alleged balances A complete billing history, including all policy changes, payments, adjustments, and charges associated with my account An explanation of how these specific balances were calculated Immediate recall of these accounts from collections if they are found to be inaccurate or improperly assigned Removal of any related negative reporting from all credit reporting agencies if the accounts can not be properly validated Written confirmation that my account has been corrected and accurately reflects my payment and policy history If you are unable to provide sufficient documentation proving that these debts are accurate and valid, I expect these accounts to be permanently removed and no further collection activity to occur. Please be advised that continued reporting or collection of inaccurate information may constitute violations of the Fair Credit Reporting Act and other applicable consumer protection laws. I expect a written response within 30 days of receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because TransUnion failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) and removed my active dispute from their system without providing results, documentation, or a method of verification. On XX/XX/year>, I submitted a dispute through TransUnions online portal. The dispute was accepted and displayed as In Process ( Exhibit A ). This confirms that TransUnion opened an investigation and was required to complete it and provide written results. Shortly after, TransUnion removed the dispute entirely from my account. The portal now states You dont have any active requests for disputes ( Exhibit B ), even though the investigation was still pending and no results were ever provided. I also received two emails from TransUnion confirming that the investigation was active. Exhibit C shows TransUnion stating it had been three days since they received my dispute and that they contacted the creditor ( s ). Exhibit D shows TransUnion stating it had been five days since they received my dispute and that they were still waiting for a response from the creditor ( s ). These emails confirm that TransUnion acknowledged the dispute, contacted the furnisher, and maintained the investigation as active. Despite this, TransUnion removed the dispute from the portal without completing the reinvestigation or providing any results. XX/XX/year> Dispute submitted through TransUnion portal Day 3 Email TransUnion confirms dispute received and furnisher contacted Day 5 Email TransUnion confirms investigation still active Portal Update Dispute removed with message No active requests No results provided No method of verification provided No closure letter provided This timeline shows a clear procedural failure. TransUnion violated FCRA 1681i ( a ) by : Failing to maintain the dispute as active Failing to complete a reasonable reinvestigation Failing to provide written results Failing to provide the method of verification Removing the dispute while it was still In Process Providing contradictory information between the portal and email updates This prevented me from resolving inaccurate information on my credit report.

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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2026, I initiated a wire transfer in the amount of {$16000.00} at my bank branch. At the time of the transaction, I provided complete and accurate wire instructions. These instructions clearly identified XXXX XXXX as the final beneficiary, with XXXX XXXX intended solely as an intermediary bank for routing purposes. The wire was being sent to my own account at XXXX XXXX for the purpose of paying off an existing loan. Despite providing full and correct instructions, the wire was processed incorrectly by the banks teller. Specifically, the required beneficiary information for XXXX XXXX was not properly included in the transmitted wire. As a direct result of this error, the funds were not credited to the intended XXXX account and are currently unaccounted for, with indications that they are held at or within XXXX XXXX. I did not request or rely on the bank to determine or locate wiring instructions. I personally supplied all necessary and correct details. During the transaction, I was instructed only to verify specific numbers presented to me on the screen. I confirmed that only those numbers matched my written instructions exactly. I was not asked to verify the completeness of the wire, nor was I shown the full set of transmitted details. The process did not provide visibility into whether certain information was manually entered, automatically populated, or omitted, and it is not the customers responsibility to identify missing internal fields that were never presented for review. The bank has provided no documentation or proof demonstrating that the wire was processed in accordance with the instructions I provided. They have failed to show that the full beneficiary details for XXXX XXXX were included in the outgoing wire. Any omission or deviation occurred during the banks internal processing and is solely attributable to the bank. As a result of this error : The {$16000.00} has not reached my account at XXXX XXXX The funds have been missing for over 18 days I have incurred ongoing interest charges on the loan the wire was intended to pay off I have experienced significant financial disruption and hardship While the bank has stated that it is attempting to recover the funds, it has failed to provide a clear timeline for resolution and has not clarified what will occur if the funds can not be recovered. I remain in a position of financial uncertainty due entirely to the banks error. This situation reflects a clear failure in the banks handling and execution of a consumer financial transaction and raises serious concerns under UDAAP standards. I relied on the bank to execute the transaction as instructed, and it failed to do so. See attached for the exact document that I provided to the teller at the time of the transaction.

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 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Please see the attached documents and expedite the review of this matter. The reported late payments are inaccurate, as all payments were made on time and should not be reflected on * my credit file. I request that these be corrected promptly to ensure accurate reporting.

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 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Please see the attached documents and expedite the review of this matter. The reported late payments are inaccurate, as all payments were made on time and should not be reflected on * my credit file. I request that these be corrected promptly to ensure accurate reporting.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, my XXXX account was terminated without notice, warning, or explanation. XXXX is a wholly-owned subsidiary of American Express , and XXXX benefits ( XXXX XXXX XXXX, priority notify, Platinum-exclusive reservations ) are advertised components of the American Express XXXX card , for which I pay a {$890.00} annual fee. That same day, I filed a formal appeal with XXXX XXXX, American Express 's appeals unit. I also emailed the CEO of American Express directly and was connected with XXXX XXXX ( XXXX ) in Executive Relations, who committed to respond with more information by XX/XX/year>. On XX/XX/year>, XXXX XXXX confirmed that XXXX would not reinstate my account and refused to provide any reason for the termination. No Terms of Service provision was cited. No specific conduct was identified. No further appeal was offered. I have exhausted both the formal appeals process ( XXXX XXXX ) and executive escalation without ever being told what I allegedly did wrong. The effect is twofold : ( 1 ) arbitrary loss of a consumer account with no due process, and ( 2 ) continued collection of a {$890.00} annual XXXX card fee while a material component of the advertised benefits package has been stripped away. I can not identify any conduct to correct, and can not obtain the benefits I am paying for. Clearly I am being discriminated and treated differently than other card members. Resolution Sought : Written disclosure of the specific reason for termination and the Terms of Service provision at issue. Reinstatement of the XXXX account, or prorated refund of XXXX card fees reflecting lost benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am setup with Text notifications from my bank. Anytime a charge is made, I receive a text message with the amount being charged. I noticed XXXX charges coming through for several $ XXXX, then two {$150.00} transactions. I immediately called Truist the bank and they immediately cancelled the card. Truist refunded the money the next day, then sent a letter, ( received XX/XX/XXXX ) that they are denying the request as they did not find the transaction 's fraudulent. I filed a police report with the XXXX XXXXXXXX XXXX Police Department -- Office XXXX-Report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief