vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported on my credit file by Capital One. I previously disputed this account and requested full validation, including the original signed contract, complete payment history, account statements, and documentation supporting the reported late payments and charge-off status. Despite my request, Capital One failed to provide the requested documentation. Instead, they responded by stating the information was verified without providing any proof or supporting records. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including 611 and 623, which require accurate reporting and proper investigation of disputed information. Additionally, Capital One admitted they are unable to provide certain requested statements, yet they continue to report negative and derogatory information on my credit file. Reporting information without maintaining proper documentation calls into question the accuracy and completeness of the account. I am requesting that Capital One either provide full and complete documentation supporting this account and all reported data, or immediately delete this account from all credit reporting agencies due to lack of proper verification. I am also requesting a detailed description of the method of verification used, including the name and contact information of the party who verified this account. This matter has caused harm to my credit profile, and I am seeking a full resolution in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Banks handling of a disputed transaction totaling {$110000.00}. I promptly reported the transaction and fully cooperated with all requests for information. However, over a period exceeding XXXX months, Chase has failed to provide a clear, specific, and substantiated explanation for its denial of my claim. Despite multiple escalations, including contact with the Executive Office, Chase has not fulfilled its obligation to conduct a reasonable investigation or to communicate the results of that investigation in a meaningful and timely manner. Due to Chases continued lack of response and failure to resolve the matter, I have filed a claim with the XXXX XXXX XXXX ( XXXX Case # XXXX ). Chase was given a final opportunity to resolve this matter prior to further arbitration proceedings but failed to respond. Chases actions have caused significant financial harm and demonstrate a pattern of delay and non-responsiveness in handling this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/26, around XXXX XXXXXXXX I got a call from my bank, XXXX XXXX XXXX XXXX. It had their caller ID, and it was the same number as the one on the back of my debit card. I was in an emergency mental health state. My husband just attacked me, and I was in the hospital with injuries, running on 0 sleep for 3 or 4 days. Me and my husband also had a court ordered no contact order after the incident. When the bank scammer called it started as any other call Ive gotten from my bank. Asking about a suspicious charge. I told them no it wasnt me. So they said they needed to do a security sweep and send me a new card. I was freaking out due to no contact with my husband since we share a bank account. I told the person on the phone that I can not go without a card for a few days. I said that I was standing in line at XXXX XXXX during the phone call to try and pull out my money in cash. The scammer was pushy which I shouldve caught onto. Again, if I had sleep and wasnt in this emergency state of mind with severe physical injuries and no rest this would not have occurred. The scammer was able to convince me my husband was in our XXXX XXXX account trying to take me off of it. They said the only way to ensure it stayed in my possession while my card was being cancelled for a new one, was to move it to Cash App and convinced me XXXX XXXX insures Cash App so I would always be able to access it. After moving every dollar I had over, the money was gone and the call hung up. XXXX XXXX tried for 3 hours to help me. I talked to Cash App the entire time I was in XXXX XXXX. Filed several fraud claims. They gave me the name of the bank whose card took my money/had it transferred from Cash App to themselves. I tried for days to contact XXXX XXXX whose card was in my Cash App, and got my money transferred to themselves. My XXXX XXXX card was no longer in my Cash App. I got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXXXXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: NJ

Complaint narrative:
Dear CFPB : I am a XXXX XXXX consumer filing a complaint regarding an extremely high-cost line of credit issued through CreditFresh and identified in the agreement as originated by XXXX XXXX XXXX My line of credit agreement is dated XX/XX/year> and shows a {$5000.00} credit limit. My XX/XX/year> statement reflects an average daily principal balance of {$4500.00} and a billing cycle charge of {$270.00} for that billing cycle. The agreement contains a tiered charge table that produces extraordinarily expensive borrowing costs. I dispute the legality, fairness, and enforceability of these charges. I believe this product may be unfair, deceptive, abusive, or structured to impose the equivalent of an extremely high interest rate while describing the charge by another name. I also believe the company should be required to explain the legal basis for imposing these charges on a XXXX XXXX consumer. I have demanded that the company : provide a complete account ledger and full fee-calculation history, identify the true owner of the account and all entities involved in origination, servicing, and collection, explain the legal basis for imposing these charges, stop attempting to collect disputed amounts beyond principal, and offer a principal-only resolution. I am attaching my agreement and recent statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am requesting validation of an alleged account associated with Capital One, as I have concerns regarding the accuracy, completeness, and proper verification of this debt. After carefully reviewing my financial records, I have not found sufficient documentation that clearly establishes my legal responsibility for this account. I have not been provided with a signed agreement, complete account statements, or a full transactional history that explains how this account originated or how the reported balance was calculated. The absence of this documentation raises serious concerns about whether this account has been properly verified prior to being reported or pursued. Additionally, I have not received any evidence demonstrating that Capital One has maintained accurate records or that the information being furnished meets the standard of maximum possible accuracy. Given these inconsistencies, I am also concerned that this account may be the result of inaccurate data reporting, mixed file issues, or even a data breach, where my personal information may have been accessed or used without proper authorization, leading to the reporting of an account that may not belong to me. Under 15 U.S.C. 1692g ( b ), I am exercising my right to request full validation of this debt. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a thorough and good-faith investigation of disputed information, and under 15 U.S.C. 1681e ( b ), only accurate and verifiable information should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting a complaint regarding Wells Fargos denial of three fraud claims involving XXXX transfers related to a rental scam. I found a rental listing through XXXX and communicated with an individual who claimed to be the property owner. The individual requested a down payment and application fee to secure the rental. On XX/XX/year>, I transferred {$220.00} via XXXX for the application fee. On XX/XX/year>, I transferred {$1000.00} and then {$500.00} via XXXX for the down payment. Based on the listing and communication, l believed I was entering into a legitimate rental agreement. I was instructed to send payment through XXXX, which I did under the belief that this was a valid transaction. After sending the payments, I discovered that the individual was not the actual owner and that the listing was fraudulent. This was a scam involving impersonation and misrepresentation. While I initiated the transactions, my authorization was obtained through deception. I did not intend to send money to a fraudulent party and would not have completed these transfers had I known the true nature of the situation. I reported the incident to my bank promptly, but my claims were denied on the basis that the transactions were " authorized, '' without meaningful consideration of the fraudulent circumstances. I have also filed a police report regarding this incident. I will attach the report number. I am requesting that the bank re-evaluate these transactions as scam-induced fraud involving impersonation and reconsider reimbursement based on the totality of circumstances. I believe this violates my rights under the Electronic Fund Transfer Act ( Regulation E ).

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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I got declined for a Citi XXXX XXXX despite my perfect credit and no bankrutpsy or outstanding debt. I have sent several letters to Citibank asking the exact reason I was denied but they refuse to send me specific reasons. They claimed due to business relation with on of their partners but still do not provide exact reason of who it was with. I have suspicion they denied me due to discriminatory reasons.

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 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Guild Holdings Company
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding my recent experience with a mortgage officers in connection with a refinancing inquiry at a Guild Mortgage local office - XXXX XXXX ( XXXX ) Unauthorized Credit Inquiry Without Consent My credit was pulled without my authorization. I did not sign any e-consent form, nor was I verbally informed that my credit would be run. I was also not advised whether this would be a hard or soft inquiry. This lack of disclosure and authorization is unacceptable. Lack of Benefit & Questionable Intent This refinance would not have improved my financial position in any way. Interest rates at the time quickly rose to the same as my current rate, meaning there was no tangible benefit to proceeding. Based on this, the transaction appears to have been structured primarily to generate revenue from my loan rather than provide value to me as a repeating customer/borrower, which raises serious ethical concerns. I expected a better transaction, in accordance to my original experience a year prior with a different loan officer at the time. Misleading Fees and Points I was presented with a loan disclosure that included charges for points that were not properly explained. I later understood these were intended to cover a potential refinance within a year if rates decrease. This was never clearly communicated upfront and feels misleading and dishonest. Additionally, I was charged in other ways for services that Guild represents as free if refinancing occurs within 12 months. This inconsistency between what is marketed and what was charged further erodes trust. Timeline of Events XX/XX/XXXX : Refinance Request Submitted XX/XX/XXXX : Refinance Response Received In Between XX/XX/XXXX and XXXX : Unauthorized Hard Pull on Credit XX/XX/XXXX : Loan Estimate provided ( attached herein ) Requested Resolution I requested : A full explanation of why my credit was pulled without authorization A detailed breakdown and justification of all fees and points A formal review of the loan officer and office involved Immediate corrective action regarding any improper charges or practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a first mortgage with Bank of America which, per their own account agreement, exempts me from the $ XXXX monthly maintenance fee on my checking account. Despite this, I have been charged the {$25.00} fee every month for approximately XXXX years. After contacting Bank of America, a representative filed a reimbursement claim for the XXXX most recent charges and stated the matter would be escalated and that someone would follow up with me. Instead, I received an email XXXX days later notifying me that all XXXX claims were denied, with no explanation provided and no contact information for follow-up. I am requesting a full reimbursement of all incorrectly charged monthly maintenance fees dating back to the origination of my mortgage, as well as a written explanation for the denial of my claims. Bank of America has failed to honor its own account terms and has not provided any meaningful resolution or communication.

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 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Was not set up as a balloon loan. Did not receive any disclosures related to Truist trying to change loan to balloon loan. Did not receive any disclosures from Truist related to hidden fees they began charging me. Did not receive a payment book. Any and all " late payments '' were a direct result of Truist not supplying me with correct information related to loan, questions about loan, including even where to send payment. Even though I continually tried, literally dozens of times, I found that reaching a customer service rep at Truist proved impossible. On XXXX of the rare occasions I got through to a customer service rep, I offered to pay loan in full, and the rep agreed that they should waive the late fees in their system, after he understood the late fees were directly the fault of Truist. Then that person said unfortunately he wasn't in a position to waive them and that I'd have to go to a branch. So I went to a branch, and they said they couldn't help me. I shouldn't be responsible for late fees caused by Truist. That is quite clearly the definition of unfair loan practice. Now we are at the end of the loan, and Truist keeps sending a balance due like a balloon payment balance. Full of all the late fees they caused, full of numbers they did not disclose. The most insane element of Truist XXXX awful consumer loan practices : every time I call them to resolve the issues, it is impossible to reach someone other than a rep with no authority in a foreignn country. And they are unable to transfer me, or connect to the correct department, and they don't know how I might be able to reach anyone in the correct department. And when Truist " calls '' me? Every single time the phone does not actually ring, and yet they leave a voicemail. And in the voicemail, they have not once left an extension, or direct phone number, or any possible way for me to reach someone in the correct department, who might be able to help me. So I call the XXXX #, and go through the same circular problem described above. Truist XXXX repeated practices are the very definition of violating the TILA regulations.

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 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXXI keep getting phone calls from monarch recovery everyday multiple times a day even though I've explained to them that I am not the person that they are looking for. They tell me everyday they're going to remove my name from their list and they never do. I keep getting phone calls. I want this to stop immediately and I am tired of this harassment. I have also blocked them number but they keep calling from different numbers. How do I get this to stop?"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GREENSKY OPERATIONS, LLC
State: PA

Complaint narrative:
I use Green Sky XXXX XXXX XXXX XXXX XXXX XXXXXXXX My loan for putting in a window was {$2600.00} XXXX paid {$1100.00} the amount that I owe is even more now {$2800.00} at the rate this loan is going I will never pay it off I pay XXXX a month this is really ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX was reporting the debt for XXXX XXXX XXXX and now Midland credit is also reporting the same exact debt so I'm getting double hits to my credit report for the same debt. I have also requested information numerous times requesting copies of the contracts for said debt and have only received a copy of a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT COLLECTION is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I went to the casino to have a good time, but my card and all my documents were stolen. My identity was impersonated, fraud was committed, and over {$7000.00} was stolen from my account. I notified Chase about the theft of my card.

Company response to consumer: Closed with explanation