vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I received an email with the information that a wire transfer had been initiated. I called Wells Fargo immediately to dispute it since I did not do it. I am not used to wire transfers unless it is between my own accounts. This is a fraud, a scam. My whole paycheck was taken away, and this theft has caused me a lot of collateral problems. I received a letter from Wells Fargo dated XX/XX/year> in which they said that the transfer complied with the government security procedure, even if I did not initiate it. I insisted on this through CFPB, hoping to get my money back. Wells Fargo wrote a letter stating pretty much the same, with the additional information that I needed to solve this with BMO bank directly, as it now becomes a legal matter between both parties. I did the claim to XXXX bank, and they have written me a letter in which they stated that the originating financial institution, Wells Fargo, remains responsible for conducting any further investigation and managing the applicable dispute process. As I said it the first time. I did not do this transfer. I have no idea of who that account holder is or what they do. I have no relation with them whatsoever. I don't even know if this is a company or not. What I do know is that there is no authorization or consent from me to initiate this transfer. I trust Wells Fargo will solve this and get my money back. Thank you in advance

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 2026-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: MD

Complaint narrative:
I received a paid letter from the receivable management company with a paid in full status.

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 2026-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing this complaint against Capital One regarding its handling of my credit card dispute for XXXX XXXX XXXX XXXX, case number XXXX, in the amount of USD XXXX. Capital Ones XX/XX/year> letter stated that the merchant supported the transaction by claiming that no cancellation per policy was received. The letter asked me to provide supporting documentation by XX/XX/year>. I submitted documentation before the deadline, including XXXX cancellation confirmation, XXXX refund communications, XXXX XXXX XXXX communications, and evidence that a refund was due. However, Capital One closed the case, stating that my response lacked the information needed to validate the dispute, without explaining what specific document or information was missing. Capital One later told me by phone that it could no longer assist because the XXXX dispute timeframe had expired. My concern is that the dispute appears to have been closed without a proper supervisory review of the evidence I submitted before the deadline. Although this information became available after I originally submitted my dispute, it directly relates to the merchants position and the accuracy of the dispute review. The merchants claim that no cancellation was received is contradicted by evidence that surfaced after the dispute submission. XXXX later sent a refund confirmation showing that the booking had in fact been canceled and that USD XXXX was refunded to my original payment method. The same XXXX email also confirms that the total booking price for XXXX travelers was USD XXXX. In addition, XXXX XXXX XXXX Executive Escalations later confirmed that only USD XXXX was received and processed, and that the matter was escalated back to XXXX for further review. I am requesting that Capital One provide a supervisory review of the dispute handling and a written explanation addressing : Whether Capital One reviewed the documents I submitted before the XX/XX/XXXX deadline ; What specific document or information Capital One considered missing ; Why the merchants claim that no cancellation was received was accepted despite my evidence ; Whether Capital One can reconsider or assist with the remaining unpaid refund balance of USD XXXX ; Whether the denial was based on the merits of the evidence or solely on the Visa dispute timeframe. I am not asking CFPB to resolve the airline refund itself. I am asking CFPB to require Capital One to explain and review how it handled my credit card dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am not affiliated with these accounts, and they should be removed within XXXX days pursuant to USC 1681g.

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 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OH

Complaint narrative:
my US BANK closed my personal account and did not send me the cashier check of my balance. There's tax refund money in my account and cash deposit at atm money. It's been more than XXXX days already since they said they will mail the check within XXXX business days.

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: AL

Complaint narrative:
I purchased a XXXX player from XXXX and financed the transaction through Klarna. Upon receipt, the player was non-functional. The seller was contacted, and I was instructed to return the item to a local XXXX store. Although the item was returned, the customer service representative was unable to scan the return code. The representative stated the item would be returned to the seller but did not provide a receipt. Approximately XXXX month later, Klarna attempted to collect payment from an inactive account. Klarna was contacted, and the payments were paused, pending a refund from XXXX within XXXX days. This sequence of events occurred between XXXX and XXXX. In XXXX, Klarna initiated collection action on the account. The outstanding amount was immediately paid online, although I believe XXXX was responsible for the refund to Klarna. XXXX was contacted again, and an address was provided for correspondence ; however, the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I had XXXX XXXX XXXX as a XXXX when I switched to another XXXX, the other XXXX pay for the old equipment but XXXX XXXX had an error on the phone numbers, they had wrong and inactive phone numbers on the bill. In order for the other XXXX to pay off the equipment the phone numbers have to be correct. Long story short it was errors on XXXX XXXX part that they never fixed and basically just gave me the run around. They sold the {$1600.00} debt to a third party and its now on my credit report, it wasnt supposed to be sold or be on the credit report because this situation is being fought through the FCC, the BBB and states attorneys office. This has caused my credit to be affected and because of this it has made it extremely difficult for me to get a place to live and other financial necessities. This is under investigation through the agencies I describe and should not have been sold and ruin my credit until investigations are completed and decisions have been made. I am asking for this to be removed my credit report until investigations are done by the proper agencies and a decision has been made.this is causing me financial XXXX and XXXX. I just want investigations to finish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
There was a pending charge to my virtual card to XXXXXXXX XXXX XXXXXXXX on XX/XX/year> amount of {$420.00}. I went to use my card at another store and it declined so I went on my account saw this charge and try to stop it but couldn't because still pending. So I watched for it to finalize so I could depute charges, final charge was for {$400.00}. I also went in my account and requested a new number on virtual card and replace debit card. So while I was gather my evidence Chime ( XXXX XXXX XXXX ) denied my deputed only after XXXX day. I called ask Chime to send me the investigation file, they said they have got 10 day to email it to me. So I called again on XX/XX/year> at XXXX and talked to XXXX XXXX asked for an internal escalation because I had prove from my XXXXXXXX XXXX XXXX membership account that I never made an online purchased. He reopen the case I sent the my evidence. After just XXXX day again they denied my depute even after I proved from my evidence it was not I who made those charges. .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I was contacted by Credence Resource Management regarding a {$1700.00} collection account. A representative offered to settle for {$790.00} with a pay-for-delete agreement but refused to put anything in writing. The representative then pressured me to pay immediately and mentioned paying directly through XXXX XXXX XXXX, which did not make sense. I am concerned this may be deceptive collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union ( NFCU ) has committed gross administrative negligence regarding my VA Home Loan, causing severe housing instability and extreme emotional distress. NFCU has missed XXXX consecutive, contracted closing datesmoving me from XX/XX/XXXX to XX/XX/XXXX, and now delaying me to XX/XX/XXXX due to internal processing failures. Today, an NFCU Resolution Specialist attempted to shift blame to an outside vendor for an appraisal transfer issue. As the licensed mortgage lender, securing the appraisal and tracking vendor timelines from day XXXX is NFCU 's direct operational obligation. Waiting until the absolute eve of closing to address a duplicate appraisal hold is severe professional negligence. The specialist also falsely claimed that issuing a lender credit for negligence violates federal fair lending practices, which is an intentional misrepresentation of federal compliance guidelines used to dodge financial accountability. Furthermore, my loan officer actively sabotaged my file by deleting my requested insurance upload from XXXX XXXX instead of adding the standard lender clause my insurance company requested for my wind and hail policy. I am a 100 % XXXX United States Veteran. This lender-caused delay completely destroyed my moving logistics and ruined my daughters first-time visit to see me in XXXX, meaning I can not see my child now for another XXXX months. NFCU is refusing accountability. I am demanding federal intervention to force NFCU to provide a complete waiver of my remaining closing costs as compensation for this negligence and ensure my XX/XX/XXXX closing date is honored without further delays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE XXXX Account number XXXX Original creditor XXXX Company sold - Account type Collection Date opened XX/XX/year> Status Collection account. {$700.00} past due as of XX/XX/year>. Status updated XX/XX/year> 2026

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I am writing to dispute my PSLF qualifying payment count, specifically for the period of XX/XX/XXXX through XX/XX/XXXX. My employment has already been certified and approved for this entire period ( XXXX ) as shown in the Employment Verified section of my PSLF tracer on students.gov. Despite this, these months qualifying payment count for this specific period does not reflect the payments I actually made. I have direct documentation from both XXXX and Mohels confirming that I was in active repayment status and made monthly payments during this time frame. Furthermore, my My Aid PDF from student aid.gov explicitly lists these payments as being received. The issue : The current services is failing to count approximately 61 payments ( the XXXX year span from XXXX ) that meet all PSLF criteria : qualifying employment, qualifying loan type, and documented payment history.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has been charging me a monthly maintenance fee of {$4.00} since XX/XX/year> and has never stopped. I was told that I'm a member of Preferred Cash Rewards, so I won't be charged for the monthly maintenance fee. Later, I was informed that I had been given a lie or incorrect information. I maintained a minimum balance to avoid fees, but they've still been charging me without refunding. They charged me five times already and only refunded two charges. This mustn't go on.

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 2026-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I noticed an unauthorized hard inquiry on my consumer credit report. I do not recognize this inquiry and I never gave permission for this company to access my credit file. I attempted to resolve this matter directly, but the inquiry remains on my report. Under the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose and proper authorization before accessing a consumer report. I am requesting that the company provide proof of authorization, including any signed application or consent documents. If they can not provide valid proof, I request the immediate removal of this inquiry from all credit reporting agencies.

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 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX at around XXXX, I went to the Chase bank XXXX XXXX through on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX United States XXXX the left hand side or first XXXX on the left to deposit XXXX cash ; XXXX XXXX bills and XXXX XXXX dollar bill. The machine malfunctioned. The machine took my money but the funds were never credited to my account. The machine gave me a ticket. The ticket does not show the amount! I took photos of the machine, screenshot of my account, and photo of the ticket. The machine said to call a number tomorrow see if my deposit went through. I called the number XXXX to let them know the atm malfunctioned and took my money but was not credited but the person who answered said to call another number XXXX tomorrow because they were closed. I logged into the chase app but there was no way to file a claim through the app. I went to chase on XXXX and all they said was go to another atm, but you shouldve gotten a ticket. This locations machines are almost always down as in cant do withdrawals This has never happened to me and I urgently need my funds back. After this, I will close my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX ET, I activated a {$100.00} XXXX XXXX offer through the Capital One XXXX browser extension, to be provided in exchange for a purchase of " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' on XXXX. I made the purchase on XXXX browser on a XXXX XXXX. I navigated to the XXXX listing through the Capital One XXXX website, which advertised {$100.00} in rewards for the purchase. Then after reaching the XXXX XXXX, I activated the {$100.00} XXXX XXXX offer through the Capital One XXXX XXXX browser extension, and saw the confirmation " Activated '' displayed in the extension. I also confirmed that there was no adblocker enabled, that I was logged into Capital One XXXX in the extension, and that the XXXX purchase was " Buy It Now '', as Capital One XXXX cites those as common issues. I then completed the purchase on XXXX for {$370.00} before taxes and shipping. I would not have made this purchase without the {$100.00} reward offer from Capital One XXXX. The purchase never appeared in my XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the Capital One XXXX website. After contacting Capital One XXXX support multiple times, a Senior Supervisor confirmed in writing that there is no activation record and no click ID associated with my account for XX/XX/year> on XXXX. Despite this, Capital One XXXX has refused to honor the {$100.00} reward, citing a 30-day merchant processing window even though by their own admission there is no tracking record to process. They have also refused to provide written confirmation that a courtesy credit will be issued, stating only that they will " look into '' courtesy credits after the window with no commitment.

Company response to consumer: Closed with monetary relief