vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XX/XX/year> : Capital One Bank USA, hard inquiry, called to close the account and report fraudulent use. They reported " Opened then closed '' the same day XX/XX/year> : Capital One, hard inquiry, did not take action because I was unaware until XX/XX/year> XX/XX/year> : Received in the mail a Capital One Store Card ( Bass Pro XXXX Card ). Amount : {$300.00} limit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I visited a Wells Fargo branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX to open a personal bank account. The branch staff was courteous and professional and assisted me in submitting my application. I provided all requested documentation, including my I-94, Social Security card, proof of address, and immigration petition. My case was escalated for further review by Wells Fargos internal team. Following this review, I was informed that my application was declined, with the explanation that I did not meet the banks requirements. However, no clear or specific reasons were provided regarding what requirements were not met or what documentation was considered insufficient. Despite the escalation, I did not receive a detailed explanation or guidance on how to address the issue or successfully complete the application process.

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 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I made two separate payments of {$2200.00} for my XX/XX/year> mortgage installment. The first payment was initiated to my previous servicer on XX/XX/year> ( Confirmation # XXXX ). The second payment was made directly to the current servicer on XX/XX/year> ( Confirmation # XXXX ) to ensure the account remained current during a servicing transfer. The current servicer acknowledged the missing funds from the previous servicer and opened Research Case # XXXX on XX/XX/year>, but the payment has still not been credited to my account balance. I have provided bank statements showing both debits leaving my account, as well as payment confirmations from both companies. With another servicer transfer scheduled for XX/XX/year>, I am concerned these funds will be lost in the transition. I am requesting that the company immediately locate these funds in their suspense account and apply them to my ledger or issue a refund before the loan migration occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or about XX/XX/year>, I deposit a check in the amount of {$2300.00} to my checking account with Chase Bank. The check was issued by my insurance ( XXXX XXXX ) for repairs for my vehicle due to an accident. The check was made payable to XXXX XXXXXXXX XXXX XXXX XXXX I inadvertently deposit the check by ATM and did not endorse the check. Chase Bank froze my account. I contacted Chase Bank immediately after learning that my account was frozen and asked that they reverse the deposit. I contact XXXX XXXX as well. XXXX attempted to reverse the check but the funds had cleared. I contacted Chase Bank in numerus occasions and they refused to address the issue. Given the fact that the check was not properly endorsed, Chase Bank willingly accepted the deposit. The check should have been returned to me for proper endorsement. It is now almost 10 years later and Chase Bank is still holding my funds. Please help me get my funds released.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I ordered a set of Landscape Edging Border ( 2 Inch tall, 100 ft with 150 pcs spikes ) for {$49.00} at XXXX on XX/XX/2025. order number is XXXX. It was delivered on XX/XX/2025. After I found the item doesn't fit my garden project, I decided to return the item. I processed return online and got return barcode on XX/XX/2025. I dropped the item at XXXX XXXX, IL store, # XXXX on XX/XX/2025. The Customer Service person scanned the return barcode on my phone. Until XX/XX/XXXX, I don't see the refund appears on my credit card account. I started chat online with XXXX to ask why it yet refund. The chat was going very well and told me it will refund my shortly. But right after I am off the chat, I saw an email from XXXX that says Your account has been deactivated. I have emailed XXXX for the situation. The reply is : " Thank you for contacting XXXX XXXX XXXX. We take our customers ' concerns seriously and are glad to hear from you. As described, this is not something that our office would handle. You may contact our Customer Service team by calling XXXX. '' I called XXXX, they didn't take the case.

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 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Dear CFPB : I am disputing this debt collection from Procollect on the grounds that I did not sign a lease agreement. I made it abundantly clear in all my communication with the XXXX XXXX that I was not going to live in the apartment because they engaged in false advertising by promoting a rate for their 4x4 bedroom unit that they did not honor. I have attached to this dispute the false advertisement text message that clearly shows that a 4x4 bedroom apartment unit was promoted for {$150.00} but for which the apartment failed to honor. The apartment had a good lead time to rent the apartment to someone else which they did. I did not enter into any agreement with the apartment. I have provided to Procollect on several instances documented proof of the false advertisement text message that I received from the apartment, a documented proof that I did not live in the apartment during the time Procollect claim that I lived in the apartment and my email communication with the XXXX XXXX Leasing manager in which I clearly stated that I was not going to live in the apartment because the apartment company engaged in a false advertisement which is legitimate reason for me not to enter into a contractual agreement with the company and not live in the apartment. Yet, Procollect is ignoring all my evidence that I have provided on this matter and instead is unethically hanging to a false claim that I lived in the apartment. Dear CFPB, I did not live in the apartment and did not receive a housing service for which a debt collection is valid. Dear CFPB, I have attached to this dispute Procollect 's own two submissions to the CFPB in which the company indicated that it found I did not owe the money and was instructing all three credit bureaus that to close the collection account and delete the collection record from my credit report. Dear CFPB, I have attached XXXX XXXX submission to the CFPB in which XXXX clearly stated that Procollect informed them that I may have been a victim of identity theft. Dear CFPB, I have attached to this dispute XXXX XXXX submission to the CFPB in which XXXX clearly stated that it is closing the account. Dear CFPB, I am pleading with you to stand up for consumer 's right in this matter and prevent the unethical manner in which Procollect is trying to collect a debt that I genuinely do not owe. As I mentioned to you, the XXXX XXXX rented the apartment unit to someone else and Procollect is trying to collect a debt from me that not only I don't owe but also never received a service for. Dear CFPB, please use your influence to stop this abuse. This matter is negatively impacting my ability to get employment and housing.

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 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
In XXXX, an account was opened with XXXX using my name and address without my permission. I did not authorize this account and did not purchase or receive any XXXX associated with it. I never received any bills or notices about this account until recently. In XX/XX/XXXX, I received a collection notice stating that an XXXX was not returned, along with account information from XXXX showing an unpaid balance. The collection letter references the phone number XXXX, which I do not recognize and have never used. Upon receiving this notice, I contacted XXXX and reported this as fraud/identity theft. They informed me that an investigation would be required. I have also contacted my local police department and am in the process of filing an identity theft report. I am disputing this account because it was opened without my authorization, and I am requesting that it be removed from my name and that I not be held responsible for any charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I made a large deposit from my external savings account into Robinhood and there was no issues until I realized that I did not want my money to be in Robinhood, so I tried to move my money to an external brokerage account and Robinhood froze my account. This was not a problem at first and I spoke to a rep that said Robinhood would maybe just ask for bank statements. When I tried to submit bank statements through their app, it would not work for me. Then, I find a day or two later that Robinhood is closing my account and had already liquidated my crypto without my authorization or permission. This is crypto that I had purchased MONTHS AGO and had no relationship with my recent activity that they found suspicious. Not once, was I informed that this would happen before it did. Then, I also find out that my ability to call or message support had been XXXX. I have made many emails to Robinhood and reached out to their support team on Twitter multiple times before I finally got a response. Robinhood has said that they are working with my bank to return the funds that they deemed suspicious but have made it my job to reach out to my bank to expedite the return of the funds. I work at a bank myself and deal with fraudulent activity so I understand why it was restricted but the actions that follow are unreasonable and show a clear fault in both their customer service team and their fraud/AML prevention team.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America regarding their refusal to properly resolve a fraudulent credit card transaction. On XXXX XXXX XXXX, an unauthorized transaction in the amount of {$660.00} was made with XXXX XXXX using my credit card. The order ( XXXX ) was placed online and picked up in person at the XXXX XXXX in XXXX, CA. I did not authorize this purchase, did not place this order, and did not pick up this merchandise. The documentation provided by XXXX contains clear inconsistencies that demonstrate identity theft : The order was placed under the name XXXX XXXX, which is not my legal name ( XXXX XXXX ). The phone number used ( XXXX ) is not my phone number. The item was picked up in person by an unknown individual. XXXX states that government-issued ID is required for pickup, meaning someone impersonated me or ID verification failed. I was working with clients at the time of pickup and was not present at the store. Bank of America denied my claim based primarily on the fact that the billing address matched. However, billing address information is widely available through data breaches and public data aggregation services. The merchant also relied on a third-party tool ( XXXX ), which only confirms that data exists in databases, not that the cardholder authorized the transaction. The presence of incorrect identifying information ( wrong name and phone number ) clearly indicates that the person who made this purchase was not me. I have spent significant time addressing this issue, including contacting the bank, gathering documentation, and preparing a police report. As a XXXX, this has taken time away from my professional responsibilities caring for patients. Under the Fair Credit Billing Act, I am not liable for unauthorized charges that I did not make or benefit from. I am requesting that Bank of America : Reopen the fraud investigation Reverse the {$660.00} charge Reinstate the temporary credit Provide documentation of the evidence they relied upon for denial This transaction is clearly fraudulent, and I respectfully request proper resolution.

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 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX I ha e asked them to verify the debt and no response Portfolios recovery services- I have asked them to verify the debt and they can not

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding , LLC for repeated failure to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Texas Debt Collection Act ( TDCA ). I have made two separate, formal attempts to obtain verification of this alleged debt : XX/XX/year> : I mailed my initial Debt Validation request. XX/XX/year> : The letter was confirmed delivered via Certified Mail. XX/XX/year> : I received a response from LVNV, which I immediately identified as insufficient, as it lacked original contractual evidence and a full accounting of the balance. XX/XX/year> : My follow-up dispute was delivered to LVNV, specifically detailing the deficiencies in their first response and demanding actual proof of the debt 's chain of title. Despite these two distinct requests, LVNV recently responded by resending the exact same documentation I previously disputed as inadequate. By resending the same non-responsive paperwork, LVNV has failed to fulfill its legal obligation to validate the debt. Furthermore, they continue to report this unverified and disputed information to TransUnion, which is a violation of the FCRA. Under Texas Finance Code Chapter 392, the collector is required to either verify the debt or remove it within 30 days. They have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a deferred interest charge of {$1000.00} that was applied to my account associated with XXXX XXXX. At the time of my most recent purchase, I was explicitly informed that I qualified for a 12-month interest-free promotion. At no point was I clearly or adequately informed that my prior balance remained subject to a separate promotional period that could expire independently and result in retroactive interest charges. This omission was material and directly influenced my decision to proceed with the purchase. Had I been properly informed, I would have paid off the prior balance instead of making an additional purchase under the assumption that I was entering a new promotional period. I have already contacted customer service and made a good-faith effort to resolve this matter. I also offered to immediately pay the remaining balance in full if the deferred interest charge were removed. This reasonable request was denied without adequate justification. Given the circumstances, I believe this situation reflects misleading and insufficient disclosure of financing terms at the point of sale. The structure of multiple overlapping promotional balances was not explained in a manner that a reasonable consumer could understand. Accordingly, I am requesting the following : * Immediate removal of the {$1000.00} deferred interest charge * A full review of how promotional financing terms were disclosed at the time of purchase * Written documentation of the disclosures you contend were provided If this matter is not resolved promptly, I am prepared to continue pursuing it through formal complaints with the Consumer Financial Protection Bureau and other appropriate regulatory channels. I would prefer to resolve this directly and amicably. However, I expect a fair outcome based on the facts of this situation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect is trying to collect an apartment debt that I dispute. I believe the amount is inaccurate. I requested validation, including the lease, final ledger, itemized move-out charges, and proof of responsibility. The balance is still being reported, but I dispute the accuracy and completeness of the amount and reporting. If the company can not verify the debt and amount as accurate, the account should be corrected or deleted.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I visited a Chase branch located at XXXX XXXX XXXX, XXXX, FL XXXX to open a personal bank account. The branch staff was courteous and professional and assisted me in submitting my application. I provided all requested documentation, including my XXXX, Social Security card, proof of address, and immigration petition. After reviewing my information, my application was declined. No clear or specific explanation was provided regarding the reason for the denial or what documentation or requirements were considered insufficient. Additionally, Chase declined to escalate my case for further review and did not provide any pathway for clarification. In some instances, I was informally told that the issue may be related to compliance or XXXX XXXX XXXX XXXX XXXX ( XXXX ) -related concerns. However, I have not received any formal determination, written explanation, or guidance on how to resolve the situation.

Company response to consumer: Closed with explanation