vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I don't appreciate the BMO customer service how they unprofessional they XXXX harass me my account kept getting messed up due to people putting money and taking money out doing messed up transactions is fraud and they and they did nothing whatsoever but call me a XXXX I'm a XXXX  and I need my clothes messed up and they don't want to help do anything in XXXX  in there the XXXX and the guy the people in there are so disrespectful and unprofessional and I wish not to deal with that company anymore I'm going to report him to the XXXX XXXX XXXX how they don't conduct business and sit there and do nothing all day they don't do anything I can't get my cards in anything because they don't want to work somebody keeps stealing stuff for my accounts they don't want to help me they want to put sanctions on me and not help help at all they don't want to help at all that's the BMO and XXXX XXXX California off of XXXX XXXX across the street from the XXXX 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 2026-01-27 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: AZ

Complaint narrative:
I am submitting a consumer complaint regarding U.S. Bank. 

U.S. Bank notified me that my checking account ending in XXXX is being closed. Access to my funds was immediately restricted, and despite multiple attempts to obtain clarification, I have not received clear information regarding when or how my remaining balance will be returned. 

The bank has not provided written confirmation of the account closure date or the timeline for releasing my funds. I am concerned about delays and lack of transparency in returning money that belongs to me. 

I am requesting assistance to ensure timely disbursement of my remaining balance and clear communication from U.S. Bank regarding the closure process. 

Thank you for your time and consideration.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I was a victim of fraud on XX/XX/2025. I had a person claiming to be with State Employees Credit Union fraud department. They had me go into XXXX XXXX and took money from me. The amounts are {$1000.00}, {$1300.00}, {$1500.00}, {$1900.00} and {$2000.00} which totals to be {$7700.00}. I filed a dispute towards these charges with my bank within the next day when I found out that my checking account was hacked. My bank never notified me. I called them around a week ago and asked them had they found out any more info regarding my fraudulent charges on my checking account. They stated that they could not help me since the charges happened through XXXX XXXX that unfortunately they can not trace it. I am so upset that my bank can not even help me during this. The imposter impersonating them was claiming to be my bank. I don't understand how they can not help me. I have called XXXX XXXX  as well trying to resolve this issue and they are also stating they can not help me because it happened through my bank. I feel stuck and I am at a loss what to do. I just want my money back that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADIR INTERNATIONAL LLC
State: NV

Complaint narrative:
CFPB Complaint Inaccurate Credit Reporting / Identity Theft Company : La Curacao Issue : Credit reporting error Account does not belong to me Desired Resolution : Immediate deletion from XXXX XXXX XXXX XXXX Complaint Description : I am filing this complaint against La Curacao for violating the Fair Credit Reporting Act ( FCRA ) by reporting an account on my credit reports that does not belong to me. 

I have reviewed my credit reports and discovered an account being reported by La Curacao that I did not open, authorize, or have any knowledge of. Upon contacting La Curacao directly, their representatives confirmed that they can not locate or verify any account under my name or information. Despite this, the account continues to be reported on my credit reports. 

Because this account is fraudulent, I placed a fraud alert on my credit file. However, even after taking this step and notifying La Curacao, the inaccurate account remains on my credit reports, causing ongoing harm to my creditworthiness.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers of information are required to report only accurate and verifiable information and must promptly correct or delete information that can not be verified. Since La Curacao has acknowledged that they can not find or validate this account, they have no legal basis to continue reporting it. 

Their failure to remove this unverifiable and fraudulent account constitutes negligent or willful noncompliance with federal credit reporting laws. 

I am requesting the following actions immediately : Permanent deletion of this fraudulent account from XXXX XXXX XXXX XXXX Written confirmation that La Curacao has instructed all credit bureaus to remove the account Assurance that La Curacao will cease reporting this inaccurate information If this matter is not resolved promptly, I request that the CFPB take appropriate enforcement action to ensure compliance with federal law. 

Thank you for your assistance in resolving this serious credit reporting violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am filing a complaint regarding unfair billing practices after my credit card issuer closed my account and revoked online access while I was traveling internationally, which prevented me from making payment on XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a travel notice informing the issuer that I would be outside the United States from XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX, I called customer service on phone to inform the issuer that I would be making a large purchase. The customer service agent confirmed that this was okay and did not indicate any restrictions or risk to my account. 

Despite these notifications, the issuer closed my account on XX/XX/XXXX, citing potential fraud, while I was outside the United States. On the same day, my online account access was revoked, preventing me from logging in or making a payment. 

The issuer did not provide advance notice that online access would be XXXX. 

On XX/XX/XXXX, the issuer assessed late fees and interest, even though payment was not possible due to the issuers actions. 

After returning to the United States, I paid the full balance via phone in good faith in order to mitigate further harm. The original statement balance was {$1500.00}. Due to issuer-assessed late fees and interest, I paid a total of approximately {$1500.00}. 

Additionally, reward points were not credited for valid purchases that were allowed to post and were billed to the account. I should have received XXXX  % cash back, totaling {$30.00} on {$1500.00} in eligible purchases. 

Why this is a problem The issuers actions directly prevented me from making payment : The issuer was notified in advance of international travel The account was closed by the issuer, not by me Online access was revoked while I was traveling internationally Late fees and interest were assessed despite issuer-caused inability to pay Charging late fees and interest under these circumstances constitutes unfair billing practices, as the harm was not reasonably avoidable by the consumer. 

If transactions were valid enough to post and be billed, they should also be valid for earning reward points.

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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
Someone claiming to be a life insurance agent from XXXX XXXX XXXX  contacted a local funeral home we used for my mom 's funeral service and asked for me. They told the funeral home receptionist that my mother had a policy and she need to speak with me to get things taken care of. She gave the lady my number and she contacted me. She said her name was XXXX XXXX. She knew all of my mothers information, last couple of jobs, and everything. She said that my mom stopped paying on her premium and it lapsed so we had to pay the difference in order for her benefits to be paid out. My family thought it was a miracle because our mother was very ill for a while and this would have to cover her funeral services. We started the payment process through cashapp. She had someone she called her manager come one the phone to read a disclaimer and gave permission for the transaction. She asked me to place the last four of the policy number in the box for the reason for the transaction., which was XXXX. After all transactions were completed she said the funds would be sent to the funeral home to cover the services. XXXX minutes passed and I contacted the funeral home and asked if the rep called back. They said no and that no money was received as of yet. I called XXXX back but she wouldnt answer. I then started to worry and I contacted XXXX XXXX XXXXXXXX customer service and asked if they had a rep by the name XXXX XXXX. The agent replied no. I gave them my mothers information to see if her indeed had a policy with them. She said nothing showed on her end. She rep said it sounded like it was a scammed and to report everything. I contacted Cashapp and reported the transaction as scams. I have been fighting these transactions with them every since XX/XX/year>. I can only speak with customer service rep and they can only appeal the claims for me. The supervisors and investigation team and only be reached via email. I feel like that dont care that I got scammed during one of the lowest moments in my life. I want my family 's money back so that we can close this horrible chapter of our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
hello, this account does not belong to me, iv never applied for credit for this company nor have I lived at the property listed, this was a fraudulent account.

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 2026-01-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About XXXX weeks ago, I submitted to American Express case number XXXX in order to resolve claim XXXX accordance to the warranty policy. I have followed up every week on via telephone for an update but American Express has been refusing to provide any updates and/or make any progress on the case. Every time I call they claim that someone is going to call me about, but no one calls me. They did confirm that they have all the information they need but they refuse to make any progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
They keep calling my phone harassing me calling my mother calling my sister I did not take this long out nor did I give them this information and they keep trying to tell my family that they that I gave them the number I did not Lendnation 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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/XXXX while I was tearing down a XXXX  to move XXXX. A charge was made on my credit card for {$990.00} reading XXXX XXXX XXXX Upon finally getting a hold of support they told me it was to purchase the points needed to redeem their XXXX XXXX credit card. They also said they could tell it wasn't fraudulent and only I could have made this purchase. They than told me that it was non refundable and once it was redeemed it would be instantly sent over and processed to be shipped. After asking to talk with someone else I was told that it would be raised to higher authority but they only responded by text message and ended up saying the same thing. I had to pay it and there was nothing I could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I scheduled a payment using XXXX to send {$100.00} from XXXX XXXX XXXX XXXX to the recipient on XX/XX/XXXX whose bank account is with PNC. I received a notice from XXXX that the funds will come out of my account on XX/XX/XXXX. 
On XX/XX/XXXX, I received a notice from XXXX that the recipient should get the money within the next business day, Monday XX/XX/XXXX. The recipient is registered with XXXX and the funds should have been available in their account on XX/XX/XXXX NOT XX/XX/XXXX. 
On XX/XX/XXXX, the recipient received a notice from PNC that " the money will be in their account shortly - typically in minutes but it may take up to XXXX business days, depending on the sending bank. '' The recipient enquired at PNC customer service why the funds were not available to them and was told the delivery method was " standard '' that means the funds will be available to them in XXXX business days which is XX/XX/XXXX. This is not right i.e. illegal that a bank can withhold funds for XXXX business day plus XXXX  days on the weekend when the funds were withdrawn from my account on XX/XX/XXXX and to date XX/XX/XXXX the funds have not been deposited in the recipient 's account. 
I contacted XXXX XXXX and their representatives could not provide a reason why the funds are not yet available to the recipient. Both institutions keep pointing fingers to each other for the reason. I am a very dissatisfied consumer of XXXX services because when I scheduled the payment there was not an option presented to select a delivery method. I would not use XXXX if I did not want the funds to be received within minutes on XX/XX/XXXX. I could have put a check in the mail on XX/XX/XXXX and the recipient would have been able to receive and cash the check by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Financial Resources, Inc.
State: NH

Complaint narrative:
I am filing this complaint regarding the unlawful re-aging and misreporting of a consumer debt, resulting in false credit reporting, deceptive collection practices, and violations of federal and New Hampshire law. 
The original service date for the alleged debt is XX/XX/XXXX ( XX/XX/XXXX ). However, the debt was improperly re-aged and re-dated to XX/XX/XXXX ( XX/XX/XXXX ) by the collection agency, FST Financial Resources, and subsequently reported by XXXX XXXX XXXX 
This alteration falsely represents the legal status and age of the debt and appears designed to evade statutory limitations and extend reporting and collection activity unlawfully. 
Detailed Facts The original service giving rise to the alleged debt occurred in XX/XX/XXXX. 
No new service, contract, or obligation occurred in XXXX. 
Despite this, the collection agency changed the date associated with the account to XX/XX/XXXX, effectively re-aging the debt. 
XXXX XXXX XXXX accepted and published this inaccurate information. 
This re-aging makes the debt appear newly delinquent and within statutory collection and reporting periods when it is not. 
I dispute the accuracy of this reporting and assert that the date of first delinquency was unlawfully altered. 
Violations of Federal Law Fair Credit Reporting Act ( FCRA ) : 15 USC 1681s-2 ( a ) ( 5 ) prohibits a furnisher from changing the date of first delinquency to a later date. 15 USC 1681c ( a ) ( 4 ) and ( 5 ) limit reportin
g to 7 years plus 180 days from the original delinquency date. 
Re-aging the debt constitutes false credit reporting and a direct violation of the FCRA. 
Fair Debt Collection Practices Act ( FDCPA ) : 15 USC 1692e prohibits false or misleading representations regarding the legal status of a debt. 
Re-aging a debt to make it appear legally enforceable or collectible when it is not is a deceptive collection practice. 
Violations of New Hampshire Law RSA 508:4 New Hampshire imposes a XXXX-year statute of limitations on personal actions, including consumer debt collection. Altering dates to evade this limitation is unlawful.

RSA 358-A ( New Hampshire Consumer Protection Act ) Re-aging and misrepresenting the age and enforceability of a debt constitutes : A deceptive act A misrepresentation of legal rights An unfair or deceptive trade practice This conduct qualifies as state credit fraud and consumer deception under New Hampshire law . 
Harm Caused False damage to my credit profile Exposure to unlawful collection activity Ongoing risk of improper legal action based on falsified dates Time and expense spent disputing knowingly inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: TX

Complaint narrative:
They destroyed my credit and put {$770.00} in my collections when ive never even gotten a letter thats wrong and its been less then XXXX days since i went to the doctor. They are greedy and scammers! And i have no health insurance! Because my employer doesnt provide it to me! And im struggling!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/XXXX, XXXX charges were debited from my account without my permission. XXXX at XXXX XXXX in XXXX for {$180.00}, I do not go to XXXX XXXX  in XXXX. Another charge was XXXX XXXX in XXXX for {$550.00}. The last time I shopped at XXXX XXXX was close to XXXX years ago for a XXXX XXXX for XXXX in XXXX. ( I might have used afterpay ). Another charge was at XXXX, XXXX, Massachusetts for {$170.00} Never been to XXXX, XXXX and i dont shop at XXXX. Another charge was XXXX in California on XX/XX/XXXX. I went to XXXX on XX/XX/XXXX in XXXX, RI. 
I reported these charges right away to Bank of America the morning after it happened on XX/XX/XXXX at XXXX when I checked my account. I talked a supervisor on XX/XX/XXXX on the claim/fraudulent team stating we will expedite the issue so we can put the credit back on my account. I spoke to another supervisor on Tuesday XX/XX/XXXX starting it will be deposited into my account within XXXX, that didn't happen. Called once again on Friday XX/XX/XXXX, and that person stated they must of overlooked your claim and we will re-expedite it after he spoke to his supervisor. I called BOA today XX/XX/XXXX and they said it was denied because I didnt file the claim asap, which I did the day after. I been with BOA for XXXX, I never had any issues. I work XXXX jobs, I rely on my extra money to get through. I was working both jobs on XX/XX/XXXX. I was not at those places.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I got Capital One, because it is very upstanding. 
Also, if, I travel around the world they are good for those transactions too. Anyway, before, I signed up for Capital One, customer service told me, as soon as they get the Direct Deposit they put it your account, as all Banks say up to XXXX, although, like science, the Direct comes 4 day 's ahead of the XXXX, not counting weekend 's and Holiday 's. So, on XX/XX/XXXX, my Direct Deposit was in and they Lied and Supervisor XXXX said it wasn't sent when it was sent and not released till XX/XX/XXXX. That is XXXX XXXX XXXX they held it. And now again today on Monday on XX/XX/XXXX my XXXX XXXX is in, and they Lied upper echelon Capital One Management. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I can not access my XXXX XXXX XXXX XXXX account due to a legacy login error. 
Ive contacted support XXXX times over a year apart. Each time, I was promised a callback and resolution. 
No action was taken. I can not view or manage my funds online.

Company response to consumer: Closed with explanation