vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/year>, I noticed money transfers from my savings account to my checking account that were not authorized. The scammer then made XXXX large transactions with my debit card linked to my checking accounts for a total of {$3200.00} the transactions were pending when claims were filed with me asking Capital One to block and investigate the charge. They let the charge process and now my account is overdrawn {$3200.00}. I need to have this looked at because on cash apps website squareup.com, given the card details there is no receipt found for the cash app purchase. It basically loads to a blank screen. I need to know who and what this charge is for. This is a completely fraud and false purchase on my account. I dont want this charge to be written off as a collections account under my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
I am filing this complaint against SoFi Bank, N.A. regarding unreasonable delays in closing my Checking and Savings account and returning my remaining balance of approximately {$14000.00} after a resolved dispute. 
In XXXXXXXX XXXX, a dispute was filed on my account ( related to a transaction ). XXXX placed a full restriction on the account during their review, preventing access to funds, transfers, or self-closure through the app. 
Support representatives informed me that once the dispute cleared, the account would enter pending closure status, and since no external bank account was linked, they would mail a cashiers check for the full remaining balance ( around {$14000.00} ). 
They initially promised the check would be mailed within about a week, with a specific expected arrival date provided. That date passed with no check received. 
On the following Friday ( around XXXX XXXX XXXX ), support stated the account was now in pending closure and the check for the main balance would be mailed soon. 
Over the next days, including Monday ( XX/XX/XXXX? ), they said an update on mailing would come Tuesday ; on Tuesday/Wednesday, status remained pending ; Thursday was XXXX ( XXXX XXXX mail ), Friday still pending, and as of today ( XXXX XXXX XXXX  ), the account is still showing pending closure with no confirmation that the check has been mailed and no updated timeline. 
I have contacted support multiple times via phone ( XXXX ) and in-app chat, documenting each interaction, but responses have been inconsistent with shifting timelines and no firm mailing date or tracking provided. 
This delaynow over two month since initial promises, exacerbated by holiday timinghas left me without access to my own {$14000.00}, causing significant financial hardship ( e.g., inability to pay bills, reliance on other funds/credit ).

SoFis policy allows up to 30 days for such closures, but the repeated missed promises and lack of progress seem unreasonable, especially post-dispute resolution.

I request that SoFi immediately finalize the closure, mail the check for the full balance ( or offer an alternative like ACH if possible now ), provide confirmation/tracking of mailing, and compensate for any hardship caused by the delay.

I still have online login access but can not close the account myself or link an external bank due to the restriction/pending status.

Thank you for your assistance in resolving this promptly. 
Multiple phone calls have been made over XXXX, XXXX and XXXX with customer service always saying the same response, that they were sorry but could not give any information as to why the account has been restricted and no information was given to them about closure or refunding of the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This letter is a formal dispute and request for full validation of the alleged debt referenced above. 
I do not acknowledge this debt and request that you provide the following documentation : 1. Proof of ownership or assignment of the alleged debt.

2. A complete accounting and itemization of the amount you claim is owed.

3. A copy of the original contract or agreement bearing my signature.

4. The full chain of title from the original creditor to your agency.

5. The original Date of First Delinquency ( DOFD ).

6. Proof of your license to collect in the State of Texas.

7. Proof of your legal authority to report this debt to XXXX. 

Additionally, I am requesting the * * Forward Flow Agreement * *, Purchase and Sale Agreement, Bill of Sale, and all schedules identifying the specific account allegedly sold. This includes : The complete Forward Flow Agreement All schedules listing this account The Bill of Sale All transfer warranties Documentation proving this account was included in the sale file Without these documents, you can not validate the debt under 15 U.S.C. 1692g ( b ). 
Until proper validation is provided, you must cease all collection activity, including credit reporting.

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 2026-01-02 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Company : American Express Product : Credit Card Issue : Billing dispute / Failure to properly investigate Amount in dispute : {$38000.00} I am filing a complaint regarding American Expresss failure to properly investigate and resolve a billing dispute, in violation of their obligations under the Fair Credit Billing Act. 

On XX/XX/year>, I was charged XXXX amounts related to a custom engine build : {$23000.00} {$14000.00} Total : {$38000.00} The merchant ( XXXX XXXX ) accepted payment and issued a receipt for the engine build. However, no engine, parts, or services were ever delivered, and the merchant retained the full amount. 

When I disputed the charges, American Express denied the dispute stating no error found, relying on merchant-provided information that is inaccurate and internally contradictory. 

The merchant claimed that no purchase was made, yet The merchant retained over {$38000.00} in funds and refused to issue a refund. 
If no purchase occurred, the funds should have been returned immediately. 
If a purchase did occur, the merchant failed to provide the contracted service. 
Either scenario renders the charge invalid. 

American Express failed to properly evaluate the contradiction in the merchants claim. Give appropriate weight to my receipt and proof of payment, Apply the correct dispute category of Services Not Rendered / Merchandise Not Received. Conduct a reasonable investigation as required under federal law. 
I have documentation proving payment and non-delivery, which directly contradicts the merchants statements. Despite this, American Express closed the dispute without resolving the core issue : I paid for a service that was never provided. 

I am requesting that American Express : Reopen and properly investigate this dispute under the correct dispute reason Disregard inaccurate merchant claims that no purchase occurred. 
Reverse the charges and issue a full refund of {$38000.00} I am requesting CFPB assistance to ensure American Express fulfills its legal obligation to conduct a fair and accurate investigation and to correct this billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WAFD BANK
State: TX

Complaint narrative:
I asked my grandma to send me {$200.00} through XXXX  she accidentally sent the money to my account that was fraud locked. I contacted the bank Sunday the XXXX the first rep hung up on me. The second rep sent a request and was supposed to give me a call back XXXX the XXXX. I did an external transfer and i called to confirm and the rep stated that the transfer looked to be processing I received an email later that day and it said I would be getting it Friday I got an email XXXX the XXXX that it got rejected. I called 3 times on XXXX the XXXX and explained the situation now I have to go into a branch to see what can be done i can not go to the branch I opened up my account with because I dont have money, baby sitter, or a car to get there they said I can call a branch im close to to see if they can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
" there is a problem with your card we need to mail you a new one that will take XXXX to XXXX business days '' " your account is on hold and funds will be inaccessible because of a problem on our end '' " your card has potentially been compromised so we are putting it on hold until you give us your name and address ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX. 
[ Your Current Address ] [ City, State ZIP ] [ Phone optional ] [ Email optional ] Date : [ Insert Date ] Ally Bank Executive Customer Relations XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX RE : Formal Dispute of Inaccurate Credit Reporting Account Number : XXXX Vehicle : XXXX Jeep Renegade VIN : XXXX To Whom It May Concern, I am formally disputing Ally Banks reporting of my auto account as an abandoned vehicle and demand immediate correction or deletion of this inaccurate information. 

I did not abandon the vehicle. I did not sign any voluntary surrender, abandonment acknowledgment, or document expressing intent to relinquish ownership. No written or verbal intent to abandon the vehicle was ever provided by me. 

Your CFPB response dated XX/XX/XXXX relies solely on a third-party statement from XXXX XXXX XXXX XXXX alleging abandonment. A third-party assertion does not constitute proof of intent and does not satisfy the Fair Credit Reporting Acts requirement that furnished information be accurate and verifiable. 

Further, Allys own records directly contradict the abandonment classification. Your payment history explicitly lists the event as an Involuntary Repossession dated XX/XX/XXXX. An involuntary repossession and an abandoned vehicle classification are mutually exclusive. Reporting both is inaccurate and misleading. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), I demand that Ally Bank : XXXX. Provide documentary evidence relied upon to classify the vehicle as abandoned, including : Any signed abandonment or voluntary surrender document Any written notice sent to me classifying the vehicle as abandoned Any documentation establishing intent to abandon OR XXXX. Immediately correct or delete the abandoned vehicle designation with all consumer reporting agencies. 

If Ally Bank can not produce documentary proof establishing intent, continued reporting of this classification constitutes inaccurate furnishing of credit information. 

This letter serves as a formal notice of dispute. Please complete your investigation and provide written confirmation of correction or deletion within the timeframes required by law. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and noticed 2 inquiries reporting that I did not authorize. These are the 2 inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-01-02 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
On XX/XX/XXXXXXXX  I purchased an XXXX for {$1400.00} via the Apple XXXX XXXX using my Apple Card. At the time of purchase, the transaction was successfully vetted and converted into a 0 % APR installment plan ( Apple Card Monthly Installments ). 
However, on XX/XX/XXXXXXXX the company unilaterally reversed this conversion, and the plan became inactive. During a recorded support chat on XX/XX/XXXXXXXX a supervisor confirmed that the system initially permitted the conversion but reversed it because the system " picked up that it was XXXX XXXX. 
I am an active subscriber with XXXX which is one of Apple 's officially required carriers for installment eligibility. Modern XXXX  sold in the U.S. use XXXX technology exclusively ; therefore, triggering a reversal based on an " XXXX '' flag for a customer on a supported carrier is a technical billing error. 
I have attempted to resolve this for over three hours with multiple supervisors. Despite admitting the system previously approved the conversion, Goldman Sachs refused to manually reinstate the 0 % APR terms, citing the same " XXXX '' policy that their system had already overridden at the point of sale. Because I have already completed a device trade-in, I can not return the product, leaving me stuck with interest charges on a purchase marketed and initially sold as 0 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am disputing overdraft or courtesy pay fees that were assessed after Navy Federal paid two bill payments from my checking account.

At the time the bills were paid, my XXXX XXXX deposit was imminent. Because of the holiday and weekend timing ( XXXX XXXX XXXX XXXX XXXX and the scheduled deposit date falling on a Saturday ), I was actively monitoring my account throughout the day to determine whether the deposit was pending or had posted. 

Although the XXXX deposit did not visibly appear as pending, it posted shortly thereafter. Based on the timing, there were only hours between when the two bill payments were paid and when the XXXX deposit was credited. 

Despite this close timing, Navy Federal assessed overdraft or related fees. Under these circumstances, the fees were disproportionate and resulted from posting order rather than a prolonged lack of funds. This was not a situation where the account remained negative for days. Had the deposit been applied within a reasonable time frame, the fees would not have occurred. 

XXXX XXXX benefits are protected funds, and charging fees under these circumstances where the deposit was imminent and posted within hours is unfair. I am not disputing the bill payments themselves ; I am disputing the assessment of fees based on timing and posting practices during a holiday period. 

I am choosing to address this matter in writing to ensure a clear, documented review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I filed about 10 plus billing errors on my account on XX/XX/XXXX over the phone for a merchant XXXX  they restricted my account the next day on XX/XX/XXXX in I talk to XXXX  fraud team and a supervisor I got run around that it was normal that account get restricted per that many disputes said it and they were filed correctly I did talk to a person in retail the day after the disputes before the hold was placed and they put a rush request in for provisional credit cause I was having a financial hardship next day Im restricted but fast forward I csnt get in account card and online restricted I can go in branch for in person but fraud is saying its nothing they can do 5-6 days later Im working with ecr he is corresponding with disputes team for me I sent receipts for the transactions the next day I filed he said they said they wasnt enough he asked can I send emails from merchant about the incident I sent the next day he called me and said the disputes we Denied and then he transfer me back to fraud to try to get the restriction off now and she says do I have physical peice of paper wiht a response from XXXX explaining the error like huh thats not my job and they saying now one dispute is open but how does that keep the restrictions Since fraud has been ruled out and the merchant has acknowledged a billing error, please explain the specific risk basis for continuing account restrictions during re-investigation. And the receipt is showing what I actually deposited onto the platform XXXX  this is what they email you they said it dont show me waging that doesnt even make sense its not gone show that in your deposit on your bank like they know that I deposited XXXX it took XXXX I did XXXX it took XXXX and they saying the receipt dnt make sense shows how they are literally playing games the amount of money took was over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: Chime Financial Inc
State: SC

Complaint narrative:
On XXXX occasions my account was charged via XXXX and XXXX. I contacted XXXX who directed me to XXXX who directed me to my bank Chime. I called chime explained that this happened before and I canceled the card but that card is still in use although I already received and activated the replacement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am writing in response to the collection account your company is reporting on my consumer credit report.

This letter serves as a formal dispute and request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please provide competent evidence that I am legally obligated to pay this debt, including but not limited to : The name and address of the original creditor The original account number The full itemized accounting of the amount claimed A copy of the original signed contract or agreement bearing my signature Proof of your legal authority to collect this debt ( assignment, purchase agreement, or bill of sale with my account referenced ) The date of first delinquency as reported to the credit bureaus Until such documentation is provided, this debt is disputed in its entirety. 

Be advised that under federal law, you must cease all collection activity, including credit reporting, until proper validation is provided. 
If you are unable to validate this account, you are required to remove any reporting you have made to XXXX XXXX XXXX XXXX 

Failure to comply may constitute violations of the FDCPA and FCRA.

I expect your response within 30 days of receipt of this notice. o Whom It May Concern, This letter constitutes formal notice pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. 

You are hereby instructed to CEASE AND DESIST ALL COMMUNICATION with me regarding the above-referenced account, including but not limited to : Telephone calls Emails Text messages Letters Contact with third parties You may only contact me to confirm one of the following : That you will cease collection efforts, or That you are terminating collection activity and deleting the account from all consumer reporting agencies Any further communication beyond what is permitted by law will be documented and may constitute willful non-compliance, exposing your company to civil liability. 

This notice does not constitute acknowledgment or acceptance of any alleged debt. 

Govern yourselves accordingly. 

Sincerely,

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 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
i have a capital one checking and savings account. i was supposed to get a direct deposit of {$110.00} in my checking and one of {$55.00} in my savings from my place of employment and im still waiting. i have tried reaching out they say there is an issue but wont tell me with what. i also had {$55.00} deposited into a personal card from my job that got there on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
GM Financial is furnishing a tradeline on my credit reports that contains severe negative history, including multiple repossession events. I requested that GM Financial review the reporting and either ( XXXX ) delete the tradeline entirely or ( XXXX ) provide complete documentation substantiating the negative reporting. GM Financial did not meaningfully investigate and responded that they do not provide courtesy updates to consumer credit reporting. I am disputing the accuracy/verification of the negative reporting and requesting deletion of the tradeline if GM Financial can not fully substantiate it

Company response to consumer: Closed with explanation