vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX XXXX I deposited my sons bodily injury claim check into my Wells Fargo account. At the time of deposit, the bank accepted the check and provided a deposit receipt. Approximately one hour later, I received an email stating that Wells Fargo could not accept the check because my son was not listed on the account. Shortly thereafter, XXXX, the interim branch manager, contacted the Deposit Exception Department on our behalf. We were advised that if my son was added to the account, the check would then be processed and cleared without issue. Relying on this information, we immediately added my son to the account that same day. Despite following the banks instructions, Wells Fargo later informed us that the legal copy was mailed. When we finally received the check back on XX/XX/XXXX, we discovered that the legal copy provided by the bank was blurry and nearly illegible. As a result, a local check-cashing business rejected the check because it could not be properly verified. Since my son had already been added to the account as instructed, we then attempted to deposit the original check through a Wells Fargo ATM. The ATM rejected the check as invalid. We subsequently attempted a mobile deposit through the Wells Fargo app, only to have the funds placed on a six-day hold. This check is drawn on XXXX XXXX XXXX, and placing a six-day hold on a bodily injury settlement check under these circumstances is unreasonable and unacceptable. I have repeatedly explained to Wells Fargo representatives that these funds are urgently needed to purchase pain medication and provide care for my son following his injury. Despite multiple service failures, conflicting information, and unnecessary delays caused by Wells Fargo, no meaningful resolution has been provided. I have escalated this matter to Corporate Relations, but the issue remains unresolved. Wells Fargos mishandling of this matter has caused unnecessary financial hardship, stress, and additional pain and suffering for my son during an already difficult time.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am being asked to report to court for a Capital One Account from many years ago that i dont remember. I am in my mid XXXX XXXX and in very poor physical health. i am also in very poor financial health. I know nothing about capital one. i had my identity stolen over 10 years ago and dont know anything about this capital one account. i explained this to the attorneys at XXXXXXXX XXXX XXXX in XXXX and they dont seem to care that i am in poor health, have no money, and dont even recognize this account at all. i dont want to be arrested or put in jail because of identity theft or any other type of financial concern. as an american in poor health and on the verge of bankruptcy, how can they " bring me in for questioning ''? i have asked for any information they can provide about capital one or this account and got nothing. senior citizens should be protected from this type of activity. I decided to go to court for the last deposition date, but the attorney didnt even show up, which wasted my time and the courts time. i cant tell if this is a scam or a group of bad actors trying to take advanatge of a senior citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
The company changed names but According to your credit report, the Comenity Capital Bank account ( Account XXXX. XXXX ) was updated to a " Charge Off '' status in XX/XX/year>. PDF Under the Fair Credit Reporting Act ( FCRA ), negative accounts can only remain on your report for up to 7 years from the date of the first initial delinquency. Because your timeline is close to that 7-year expiration window

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing a formal complaint against Affirm , Inc. ( servicing XXXX XXXX Installments ) for a failure to conduct a reasonable investigation into a documented merchant non-delivery dispute under Loan ID : XXXX, in direct violation of consumer billing dispute protections. 1. THE CORE ERROR : On XXXX XXXX XXXX I updated my account profile with the merchant, XXXX XXXX, to my current permanent address at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and deleted all legacy addresses. I placed two consecutive orders. Order 1 ( # XXXX ) utilized my correct address and was successfully delivered to my home in XXXX XXXX XXXX Order 2 ( # XXXX ), funded via Affirm Loan ID : XXXX, suffered a critical merchant IT database synchronization failure where the merchant printed a legacy, deleted address on the shipping manifest. 2. THE IRREFUTABLE PROOF : Official XXXX XXXX tracking documentation explicitly confirms that the package for the disputed Affirm loan ( XXXX ) was delivered to a completely wrong city and address, NOT my verified address of record. Under federal consumer protection guidelines and the Fair Credit Billing Act ( FCBA ), merchandise delivered to an incorrect destination constitutes a failure to deliver/non-delivery. The merchant did not fulfill the order to the consumer. 3. AFFIRMS REGULATORY FAILURE : I submitted an exhaustive, chronological XXXX narrative to Affirm containing both sequential order receipts, screenshots of my deleted address logs, and the XXXX tracking proofs showing the physical destination mismatch. Despite this irrefutable evidence, Affirm 's Resolutions Team ( specifically agent XXXX XXXX on XXXX XXXX XXXX ) summarily closed the dispute in the merchant 's favor based solely on the automated presence of a tracking numbercompletely ignoring the fact that the tracking number proves delivery to the wrong destination. Affirm is currently demanding an overdue payment of {$30.00} and threatening automated negative credit reporting to XXXX XXXX XXXX 4. REMEDY REQUESTED : I demand that Affirm 's Executive Compliance Team manually audit the attached delivery address mismatch, immediately halt all automated collection and credit reporting actions on Loan ID : XXXX while this federal file is reviewed, reverse the erroneous dispute decision, and void this loan balance in full due to documented merchant non-delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I transferred Chase Ultimate Rewards points to my XXXX XXXX account specifically to book an award flight from XXXX XXXX ( XXXX ) to XXXX ( XXXX ) operated by XXXX XXXX. Before initiating the transfer, I searched XXXX XXXX website and the XXXX XXXX flight showed as available for redemption. I transferred my points based on that displayed availability. Once the transfer completed, I searched for the same flight and it was no longer available. I called XXXX XXXX customer service and was told they can not reverse the transfer or return the points to my Chase account. This means I made an irreversible decision moving points out of Chase permanently based on award inventory that XXXX XXXX displayed but could not actually deliver. There was no warning that availability could change before the transfer completed, no way to hold the seat first, and no recourse after the fact. XXXX XXXX is the intermediary that showed me the XXXX XXXX award space and accepted my point transfer. They should be accountable for the accuracy of what they display to customers before an irreversible transaction takes place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Subject : Complaint Regarding Predatory Title Loan Practices and Excessive Fees I am submitting this complaint regarding a title loan I obtained from TitleMax in XXXX XXXX during a desperate financial time in my life when I urgently needed assistance. What initially appeared to be a temporary financial solution has instead turned into a long-term financial hardship that I have been unable to escape. Since taking out this loan, I have struggled tremendously to pay it down due to what I believe are excessive and predatory fees and interest charges that consume the majority of my monthly payment while barely reducing the principal balance. Currently, the payoff is over {$4700.00} and I am paying roughly {$670.00} per month toward this loan, yet only approximately {$110.00} of each payment is being applied to the principal balance. The remainder goes toward fees, finance charges, and interest. Despite making consistent payments for well over a year, my principal balance remains nearly the same as when the loan originated. This has created a continuous cycle of debt that feels impossible to escape. The structure of this loan appears designed to keep borrowers financially trapped while maintaining a lien on their vehicle for an extended period of time. The payment amount is placing significant strain on my ability to meet basic living expenses and maintain financial stability. Additionally, anytime I reach out to the store for assistance or possible repayment options, I am told there are no alternatives other than paying the amount due or risking repossession of my vehicle. I have not been offered any meaningful hardship assistance, affordable repayment options, or solutions that would help me successfully pay down the balance. This leaves me feeling trapped and fearful of losing my only means of transportation despite the substantial amount I have already paid toward this loan. By no means am I refusing to pay my debt or avoid my financial responsibility. I fully understand that I borrowed the money and I am willing to repay what I owe, but it must be at a fair and reasonable amount that allows the balance to actually decrease instead of keeping me in an endless cycle of debt caused by excessive fees and interest charges. I believe TitleMaxs practices are unfair, deceptive, and predatory because : * The majority of payments are being absorbed by fees and interest instead of reducing the actual balance owed. * The loan terms make it extremely difficult for consumers to realistically pay off the debt. * The ongoing balance does not appear proportionate to the amount already paid toward the loan. * The loan structure creates a long-term debt trap that threatens consumers transportation and financial security. * Borrowers are not provided realistic hardship or repayment solutions despite ongoing financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XXXX I conducted an external transfer from my Huntington bank account to my XXXX XXXX account. This amount was for {$2200.00}. After sending this external transfer my Huntington bank was closed. The funds never were received by my sofi bank and never were returned to my Huntington. I called Huntington and they escalated it to a supervisor. The supervisor said they see that the funds were sent out but then stopped. They said they must have been returned due to my account now being closed. They said they will file a dispute and I will receive my funds either by check or mail. To call back today XXXX. I called back today to be informed my dispute was denied. I have not received my money and I even asked for for the trace number for the external transfer. They said they could not find it to provide it to me. Its now been two weeks and I still do not have my {$2200.00}. They tell me my money is not there and they dont see where its at. This is Huntington bank telling me this. How does my money just disappear?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am submitting this complaint regarding Citis handling of a goodwill adjustment request related to a one-time 30-day late payment. The late payment involved a {$99.00} annual membership fee on my Citi / AAdvantage credit card account. During a transition between bank accounts, a newly opened and unfunded account was inadvertently linked for payment, resulting in a returned payment and subsequent 30-day late reporting. The issue was corrected immediately once identified, and I have otherwise maintained a perfect payment history across all accounts. When I initially contacted Citi, the representative advised me that this one-time late payment would be removed as a courtesy goodwill adjustment due to the circumstances and that I should expect the reporting to be updated with the credit bureaus within approximately 3045 days. However, the matter was processed as a formal dispute rather than as the goodwill adjustment I was told would be granted. After receiving a letter from Citi stating that my dispute had been denied, I escalated the matter to Citis Executive Response Unit. Citi acknowledged that I was not disputing the factual accuracy of the late payment itself, but ultimately declined to provide any goodwill adjustment despite the isolated nature of the incident and my otherwise perfect payment history. This single late payment has had a substantial impact on my credit profile and future home purchase planning. I am respectfully requesting reconsideration of a one-time goodwill adjustment under these circumstances.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I paid Cash App a total of {$21.00} out of my account balance to order a new Cash App Card with expedited shipping. The card arrived late. When attempting to activate the card, the application displays a hard block stating : 'Unable to activate : For security reasons, we're unable to activate your Cash App Card. ' My account is in perfect standing, all verification data is updated, and peer-to-peer functions work normally. Cash App customer support has refused to activate the product I paid for and refused to issue a refund for the {$21.00} fee. I am requesting a full refund of {$21.00} for services paid for but entirely withheld by the institution. This is the second attempt as well, the first one was a free card they told me I needed to upgrade to and was given the same issues but at no cost to me, figured it was a bad card possibly or a glitch so I tried ordering a card myself to try again which is the one in question via this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Everi Payments Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Central Credit , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Identity Theft Unauthorized Inquiry / Demand for Block and Removal Under FCRA 605B To Whom It May Concern, This letter serves as a formal Identity Theft Report and notice of a fraudulent credit inquiry made by Central Credit , LLC that appears on my consumer credit report. The inquiry details are as follows : Creditor : CENTRAL CREDIT , LLC Inquiry Date : XXXX XXXX XXXX Type : Hard Inquiry I did not apply for, authorize, or otherwise permit this inquiry. This access to my credit file was made without my knowledge or consent and is the direct result of identity theft. I have filed an Identity Theft Report with the Federal Trade Commission, and this correspondence, along with my supporting documentation, constitutes a valid Identity Theft Report under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), you are hereby notified that this inquiry results from identity theft and must be treated accordingly. As a furnisher of information, you are prohibited from reporting information that you know or have reasonable cause to believe is the result of identity theft. Additionally, under 15 U.S.C. 1681b, you were required to have a permissible purpose to access my credit report. No such permissible purpose existed. Accordingly, I demand the following actions : Immediate block and permanent deletion of this unauthorized inquiry from all consumer reporting agencies Immediate cessation of any reporting related to this inquiry Written confirmation that this inquiry has been identified as identity theft Copies of any application, authorization, or documentation used to justify this inquiry Written confirmation that this matter has been fully resolved and will not be reinserted Please be advised that failure to comply with the requirements of FCRA 605B and related provisions may constitute willful or negligent noncompliance. Such violations may subject your company to liability for statutory damages, actual damages, punitive damages, and attorneys fees pursuant to 15 U.S.C. 1681n and 1681o. If this matter is not resolved promptly, I will escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, and will pursue all available legal remedies. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened a platinum perks checking account, and a relationship money market account online at Huntington National Bank in XXXX XXXX XXXX.My funds were placed into the institutional intrafi-cash service [ ICS ] network when i attempted to retrieve my funds via cashiers check, Huntington 's retail branch management at XXXX XXXX XXXX XXXX, stated they could not locate any records or funds under my name on their standard front facing ledger.Intrafi representatives have already confirmed that the funds are pending internal bank placement forms. the [ ICS ] Depositor Placement Agreement that the originating branch failed to properly execute and process.Retail management has refused to escalate the issue or locate the institutional ledger, effectively, freezing my access to my funds and givivng me a continuos administrative run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO BANK NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Loan was paid off on XXXX. The money was drafted from my account on XXXX The bank did not apply the payment to the loan until XXXX. This was not a " held '' payment, this is their process, one I have encountered and complained about before. The payment should be applied the day it is made, regardless of any holds for updating the balance. Also not a LOC or other revolving account, so no need to " hold '' any payment amounts. Once paid off, the account was deleted from my online login so I have no access to account history. In addition, charges were added that have not been disclosed, despite repeated attempts. The bank is incompetent to operate in the U.S. with foreign call centers and telephone reps that can not understand plain English.

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 2026-05-19 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: AZ

Complaint narrative:
I declare that I have no connection with the listed accounts and did not authorize their creation. Please conduct a comprehensive review and remove them once validated. Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: VA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation