vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I honestly can not believe how terrible my experience with Capital One has been. What should have been a simple processadding an accountturned into a month and a half of constant back-and-forth, confusion, and some of the worst customer service I have ever experienced. From the very first call, things were handled incorrectly because Capital One apparently entered my name wrong in their system. Instead of fixing their mistake, I was repeatedly told to figure it out myself. I spent weeks calling, being transferred, hung up on, and spoken to in an incredibly rude and unprofessional way. Multiple representatives were dismissive and disrespectful. I was called names, interrupted, and treated like I was the problemeven though the issue started because the bank entered my information incorrectly on day XXXX. No one seemed willing to take responsibility or actually help resolve the situation. What should have taken a few minutes took over XXXX weeks because no one at Capital One could give a consistent answer or show basic customer service. The constant hang-ups, attitude, and lack of accountability were beyond frustrating. Banking customers deserve respect and basic professionalism. Unfortunately, my experience with Capital One was the exact opposite. If you value your time and want to avoid unnecessary stress, I would strongly reconsider banking with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This is another continuation to my previous complaint regarding : Affirm , Inc . Now they are harassing my husband. His name never appeared on the account, nor did his phone number. I also have an XXXX email account set up with my computer. ( I did not give them that account name. ) They sent him an email today threatening him on my apple account, that they would report him as delinquent even though he has no affiliations with this company. They are calling him and texting him numerous times and making him feel threatened. Once again we don't owe them any money. I paid this off in XXXX of 2025. They are threatening us, seriously. Are they part of organized crime or what? It seems like it and it is affecting my health. I sent them a demand letter asking for proof of this bill ( which of course they will not be able to provide ). I'm hoping this will stop but it is getting extremely upsetting. If my health worsens because of this I will have to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Hello, I am requesting an escalated fraud investigation for a {$2400.00} payment that was sent through Cash App after I was deceived in a scam. This transaction was made under fraudulent inducement, and I did not knowingly intend to send money to a scammer. My bank, XXXX, confirmed that the transfer was processed through Cash App, which is why I am asking your team to investigate the receiving account. Please escalate this case to the fraud team and review the recipient account for suspicious activity or prior scam reports. If there are remaining funds or if the account has been flagged for fraud, I am requesting that the transaction be reversed or that a reimbursement review be completed. Thank you for your assistance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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:
This is a formal notice that several accounts are being reported under my name without my legal authorization, knowledge, or consent. I have never owned, managed, or authorized these accounts, and their presence on my profile constitutes a direct violation of my consumer rights. The inclusion of this fraudulent data presents a misleading and damaging representation of my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
So basically my account was randomly locked and restricted and i was told its because a fraudulent membership open, which was explained that they cant verify its me that opened the account and i told them a million times im the one that opened the account, however they sent me a NFCU XXXX form that i filled out and uploaded all proof of identity even a picture of my self, also drove XXXX hours to the branch to verify in person and nothing has worked this is verify inconvenient and i cant even access my $ and bills and rent and so many other things i need to pay. i attatched all the documents thats submited the second time please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
We had opened a XXXX on line account for ordering products. They required a payment type which we used XXXX which is linked to our Truist bank acccount. On XX/XX/year> an unauthorized user hacked into the XXXX account and purchased {$1000.00} from the XXXX Maryland XXXX. We contacted Truist via customer service on XX/XX/year> and cancelled the debt card linked to the XXXX account. We also created a Fraud case. Case # XXXX. Truist bank gave us the money back on XX/XX/XXXX but unknown to us it was a temporary credit until the investigation was complete. On XX/XX/year> Truist took the money back out of the same account stating the investigation was deemed valid and not fraud. This was 100 % fraud and now we are fighting with XXXX, XXXX and Truist to get the funds reimbursed back to our checking account. The person that hacked the XXXX account purchased 2- {$500.00} gift cards and also left other items in the cart and purchased or hit the check out button for all items. Please feel free to contact me if you have any questions. I can be reached at 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 explanation
Consumer complaint received 2026-03-06 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: TX

Complaint narrative:
These inquiries were carried out without my permission. Kindly investigate and correct the information. Documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: OK

Complaint narrative:
They sent me a report that was not even a transaction close to the amount used on a XXXX purchase stating that a purchase minus a refund equaled the amount I supposedly authorized, but the transaction that was refunded was separate and only for two items equalling less than XXXX $ I immediately saw the fraudulent transaction XX/XX/year>. The transaction was to XXXX for XXXX but no purchase numbers were listed. It was made XX/XX/XXXX. I immediately disputed it and changed passwords and cancelled cards. A few days later I was sent an email stating I authorized the charge. This is false as I contacted XXXX who could not find any transaction matching that on my account and they could not violate policy to email my transactions or trace the account without a subpoena from the police. Around the XXXX of XXXX I called Credit Karma to make another appeal, this time on 3 way with the XXXX employees who's name was XXXX. He verified that this transaction was not on my account and it likely was identity theft. This was made know to us that after me letting the employee know I had screen shots of every transaction that were sent as well for several months. XXXX doesn't allow transactions to be deleted. So the facts were there, a witness attested to it not being accurate and I was denied once again over something that looked like a child picking a toy in a hurried panic without checking the price or if he even liked it. The report makes no sense for accuracy so I appealed it Again. Was denied again. I can't forward all emails once an email address and request for that info is made. I was assured they heard the recording by the XXXX employee and I believe I was lied to. I was giving it a week or so to gather my thoughts and woke up to a XXXX unauthorized charge to XXXX that has be quit pending before a dispute is filed and obviously they are going to call me a liar again. I've been banking with them 6 +years and I've been treated like a joke that brought them joy basically belittling me repeatedly denying a dispute they had record of not being authorized, so If I don't receive the XXXX XXXX plus the XXXX charge today XX/XX/year> that should have been secured after password change, two factor authorization and a new card being hacked in less month, I will gather everyone I know to make this situation go viral as the denials are not accurate as I never once allowed the use of my card for that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am submitting this complaint regarding the handling of my fraud disputes by JPMorgan Chase Bank. In XX/XX/year>, I discovered several transactions on my account that I did not recognize involving XXXX XXXX and XXXX. The most significant transactions were approximately {$2200.00}, {$2100.00}, and {$880.00}, along with several smaller transactions. As soon as I became aware of these suspicious transactions, I contacted Chase and reported the activity on XX/XX/year>. During that call, I opened disputes for the largest transactions because they had the most significant financial impact on my account. At that time, I had not yet completed reviewing all of my statements and therefore initially reported only the most obvious transactions. After further reviewing my statements, I realized there were additional unauthorized transactions and reported them as well. Throughout the dispute process, I received several denial letters from Chase stating different reasons for denying my claims. In some cases, Chase stated that the transactions were assumed to be authorized by me. In other cases, Chase stated that the disputes were reported outside the required timeframe. However, this conclusion appears inconsistent because two disputes involving the same services were resolved in my favor : {$230.00} XXXX XXXX ( resolved in my favor ) {$39.00} Sendwave ( resolved in my favor ) Other disputes involving the same services were denied : {$4200.00} XXXX XXXX {$1100.00} Sendwave I also received a letter stating that part of my claim was denied because it was reported more than 30 days after the statement date. However, I initially contacted Chase and reported the suspicious transactions on XX/XX/year>, which was within the required timeframe. Despite multiple attempts to explain that I did not authorize these transactions, I was told that there were no further options to continue the investigation. I later visited a Chase branch, where a representative helped reopen the disputes. In total, XXXX disputes were submitted. However, the largest claims were still denied. Additionally, Chase has informed me that my account will be closed and that I will no longer be allowed to open accounts with the bank after XX/XX/XXXX. I am requesting assistance from the CFPB because I believe my case was not fairly reviewed. I did not authorize, conduct, or benefit from these transactions. I respectfully request : A reconsideration of the denied disputes totaling {$4200.00} and {$1100.00}. A clear explanation of the evidence Chase used to determine that I authorized these transactions. Any documentation or transaction data used in their investigation. I am simply requesting a fair and transparent review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
This account was sold to Spring Oaks Capital and is no longer owned by XXXX. The debt has been paid in full with the current owner. XXXX is incorrectly reporting a balance of {$6000.00} even though they sold the account. The balance should be updated to {$0.00} and reflect that the account was transferred or sold. Proof of payoff is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Opportunity Financial, LLC
State: NJ

Complaint narrative:
I recently reviewed my credit report and noticed several negative items that I believe may be inaccurate, outdated, or unverifiable. These items are affecting my ability to repair my credit and access fair financial opportunities. I have been attempting to improve my credit profile, but the information being reported does not appear to be fully accurate or properly verified. I am requesting assistance to ensure that the information being reported about me is accurate, properly verified, and compliant with federal consumer protection laws. Incorrect or unverifiable information should not remain on my credit report if it can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
XXXX- PSLF application completeXXXXXXXX XXXX banners shown on XXXX stating that I have reached more than 120 qualifying paymentsXXXX Mohela shows that my loans are forgiven with negative balances included. Negative balances total tXXXX XXXX XXXX shows a XXXX balance in all my loans with negative balances on interest paid totaling to XXXX called to see why there was a huge discrepancy on refund amounts. Cant get any answers. Something seems fishy.'

Company response to consumer: Untimely response
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
My Avant credit card was stolen and fraudulent transactions occurred on the account. Avant investigated the fraud and confirmed the charges were fraudulent, crediting {$190.00} back to the account. However, while the fraud investigation was ongoing, late fees totaling {$91.00} were added to my account. These fees are directly related to the fraud incident and the time it took to resolve the dispute. Avant is refusing to waive these fees even though the account was compromised due to theft and fraud. I believe it is unfair and unreasonable to charge late fees related to an account that was under fraud investigation. I am requesting that Avant remove the {$91.00} in late fees and correct any negative credit reporting associated with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: CA

Complaint narrative:
On XX/XX/2024, I placed a pre-order for a XXXX XXXX coffee machine in the amount of XXXX using my Wells Fargo Visa card. The merchant has failed to deliver the merchandise despite a two-year delay. The merchant has provided written communication via email explicitly acknowledging that a refund is owed to me, yet they have failed to process this payment. I initiated a chargeback dispute with Wells Fargo regarding this non-delivery and the merchant 's failure to process the promised refund. However, the bank summarily closed my dispute citing the expiration of their standard dispute window. I contend that this closure is inappropriate, as it ignores the merchant 's ongoing failure to comply with the Federal Trade Commissions 'Mail, Internet, or Telephone Order Merchandise Rule ' ( 16 CFR Part 435 ). This rule requires merchants to provide a prompt refund for unshipped merchandise. By refusing to conduct a manual review of the evidence proving the merchants admission of debt, Wells Fargo has failed to address a clear instance of unfair and deceptive business practice. I am requesting that the bank perform a manual review of my dispute.

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
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This item was purchased by a3rd party dept collector. this account must be deleted as the status is not correct and account was paid for less then owed by the 3rd party dept collector. the informationis not correct & not accurate. there for it must be deleted. refer to 1681s-2 ( e )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This is a copy of the letter I sent to TD Bank, XXXXXXXX XXXX, at the end of XXXX, XXXX : Dear TD Bank, I am writing to formally request an audit of my TD Bank loan account due to multiple discrepancies identified after cross-referencing my payment history with my checking account records. TD Bank notified me of alleged missed payments solely via mailed correspondence, at a point when it was no longer possible to address the issue in a timely manner. In a recent letter, TD Bank stated that electronic correspondence was not successfully delivered as the email address on file is either incorrect, invalid, or the correspondence may have been flagged as spam. After reviewing my TD Bank profile, I can confirm that my email address is correct. I have also reviewed my spam and junk folders and found no correspondence from TD Bank. Penalizing a consumer under these circumstances raises concerns regarding inadequate notice and servicing practices. My original loan amount was {$640.00}. To date, I have paid a total of {$820.00}, representing an overpayment of {$170.00}. In XX/XX/XXXX, I mistakenly stopped payment on one charge after not recognizing it on my XXXX XXXX XXXX XXXX checking account. This resulted in multiple fees being assessed. I contacted TD Bank multiple times and spoke with several representatives to resolve the issue. In most instances, I was informed that the fees would be reversed and removed at the end of the loan term. To date, no such credits have been applied. I acknowledge responsibility only for the single fee directly associated with the stopped payment in XX/XX/XXXX. All other fees assessed are incorrect and inconsistent with the representations made by TD Bank representatives. Given that I have already paid substantially more than the original loan amount, I am requesting that this loan be deemed paid in full, with all incorrect fees reversed and no further payments required. Please note that inaccurate fee assessments, failure to apply promised credits, and insufficient notice may constitute unfair or deceptive acts or practices ( UDAAP ) under applicable consumer protection standards and fall within the oversight of federal and state regulatory authorities, including the Consumer Financial Protection Bureau. I am requesting resolution directly with TD Bank and would prefer to avoid escalation to external regulators. Additionally, this loan originated through XXXX, which is no longer conducting business with TD Bank. In light of that change, it is particularly important that this account be reviewed carefully and resolved accurately. Please provide written confirmation of the account audit, reversal of incorrect fees, and closure of this loan as paid in full within a reasonable timeframe. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I received this text message, twice, with different numbers : > " Your Western Union verification code is ______. It will expire in 5 minutes. If this wasn't you, please contact Customer Care. '' I have never set up an account with WU or even used it, but it's still modestly concerning that someone might be trying to set up an account with my number, and worth checking that they haven't succeeded. So I searched for that online. ( Up to this point it seems like best practice and I do not have complaints. ) However, the official site for this, and the top result on XXXX, is XXXX XXXX XXXX and this provides : - Two phone numbers, XXXX and XXXX, which go to the same phone tree, which has only three options, none of them applicable. - A physical location locator - An online chat, with a very narrow AI None of these options is capable of addressing the concern of someone who has received a verification code they do not expect and wants to confirm they are in the clear. After trying the phone numbers, and another, XXXX, one of them recommended, which went back to the same phone tree, I put significant effort into the online chat. It did not understand the problem and only allowed a limited set of answers, or searching its database of questions, none of which came up to 'Verification code ' or anything similar. Ultimately, typing the entire message seen above forced (? ) it to give me the option to speak to a human. This human was only slightly less narrow than the XXXX, and despite receiving all identifying information requested, insisted that it was impossible for them to check anything about whether someone might be trying to open an account with my phone number without providing the phone number while opening the chat request. It is not possible to provide a phone number while opening the chat request. I gave up after 20 minutes fighting the XXXX and office drone. Hopefully no one 's trying to use my phone number to set up an account!

Company response to consumer: Closed with explanation