vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint because Capital One denied my dispute for an unauthorized and fraudulent electronic fund transfer, even though the merchant never provided the service I paid for, and Capital One did not review the evidence before denying my claim. 

On XX/XX/year>, I paid {$180.00} ( including the fee ) using my Capital One debit card for a phone-unlocking service from an individual who turned out to be fraudulent. The individual accepted my payment, repeatedly delayed the work, then stopped responding and never completed the service. He also promised a refund but never issued XXXX. 

I later learned that his account had been flagged for suspicious and fraudulent activity by the payment platform. This confirms that I was the victim of fraud. 

Despite this, Capital One denied my claim without asking me for any supporting documents. On XX/XX/year>, they reversed the temporary credit of {$180.00}, which immediately impacted my account. 

Under Regulation E, I have the right to dispute unauthorized or fraudulent transfers, including transactions where a merchant accepts payment but does not deliver the goods or services. It is unlawful for a merchant to retain payment for services that were never provided. 

I have screenshots showing : The agreement for the service The merchant confirming receipt of payment His promise to refund His refusal to complete the service Payment confirmations Capital Ones credit reversal Capital One failed to conduct a proper investigation and did not review the evidence before denying my claim. I am requesting CFPB assistance to require Capital One to conduct a full, fair, and lawful investigation and reinstate the refund owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Date : XX/XX/year> Complaint Summary : Loan servicer refuses to release my vehicle title and is attempting to collect {$420.00} in late fees that should be waived. Multiple agents have hung up on me, provided false information, and created a fraudulent payment arrangement without my disclosure or consent. 

Complaint Details : I paid my auto loan in full, and the only remaining balance showing is {$420.00} in late fees. I contacted the loan servicing department to request a one-time courtesy fee waiver, which is standard practice for paid-off accounts. 

On my first call, the representative stated they would escalate the file to waive the fees, then hung up on me before completing the escalation. 

I called back several times afterward and experienced : Repeated hang-ups Inconsistent information Refusal to assist Unprofessional behavior Additionally, one of their agents falsely created a payment arrangement on my account without my authorization, without reading any disclosures, and without my verbal or written agreement. This is fraudulent, violates consumer rights, and misrepresents my intentions as a customer. 

I have made every attempt to resolve this issue directly with the lender, but the actions of the customer service team have made it impossible to finalize my paid-off loan correctly. 

What I Am Requesting : A full waiver of the {$420.00} late fees Immediate closure of my auto loan account Immediate release of my vehicle title Removal of any unauthorized or fraudulent payment arrangement Written confirmation once the account is corrected I am simply requesting that my account be properly closed and my title released, especially since the loan has been fully paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I saw that these inaccurate accounts continue to appear on my credit report, and they were not taken off at all. This situation has left me extremely stressed, so I am pleading for the documents I attached to be checked carefully so I can finally stop worrying about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Remitly, Inc.

Complaint narrative:
On XXXXXXXX XXXX, I transferred money through XXXX home to XXXX. It showed delivered so I didn't bother to check again. The money was taken from my bank account. On the XXXX XX/XX/year>, I transferred another money to the same recipient and this time I called to ask if they got it because it was for something urgent. No money was delivered. This prompted me to check the first transaction, only to find out it has been cancelled but no refund issued to me.I contacted them to report it but they insisted they have refunded the cancelled transaction and have delivered the last transfer. My bank confirmed no refund issued. The recipient has since not received the money. I feel I have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I logged into the Truist Bank app to make sure my mortgage payment posted and noticed that my XXXX mortgage payment increased by {$330.00}. I called Truist and the representative told me it was because their analysis determined that we shorted them out. The taxes increased for XXXX and we brought the account negative. I let her know I could not afford it and she said we had to bring it current. I called again with my husband and the lady gentleman said they did their analysis wrong in XXXX which caused them to pay the wrong amount for the property taxes in XXXX and XXXX so they are playing catch-up and thats why I have to pay {$330.00} extra. They made a mistake but I have to pay for the difference even though I can not afford the extra amount. They did not even communicate this with me. I did not receive any letters or notifications via email. The only emails I have is that my mortgage statement is ready. They failed to even notify me of this problem for over a year. The only reason I found this out was checking through the mobile app. I even found the escrow statement notification that they NEVER provided me with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
The collection account reported by XXXX XXXX on my TransUnion credit report, under Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is inaccurate, incomplete, and not properly verified. I previously disputed this account with TransUnion, but they verified it without providing any documentation, evidence, or validation from the furnisher, which violates their obligations under the Fair Credit Reporting Act ( FCRA ). 

XXXX has never provided validation of the debt, including no original signed contract, no proof of ownership or assignment, and no itemized accounting of the alleged balance. Despite this, the company continues to report the account, which is a violation of FDCPA 1692g ( b ) and FCRA 1681s-2 ( a ).

The information being reported is also inconsistent, including contradictory dates, missing payment history, and incomplete account details. TransUnion failed to conduct a reasonable reinvestigation, as required under FCRA 1681i, and continues to report information that they can not verify with accura
cy under FCRA 1681e ( b ).

Because neither company has provided evidence that the debt is valid or accurately reported, their continued reporting is unlawful and is causing damage to my credit profile. 

I am requesting CFPB assistance to require a proper investigation, obtain validation, and correct or delete this account if it can not be fully verified with documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retail Merchants Associates
State: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX This is a new complaint to replace my initial one # XXXX. I have more information to submit for inspection by your office and spoke with XXXX who advised that I needed to cancel the initial complaint and create a new one. This new information is evidence and proof that the Creditor, Retail Merchants Association has submitted fictitious documentation to validate a debt that is not mine.

I have uploaded a request to Retail Merchants Association asking them to validate a debt that I fully dispute is mine after it was reported to the three Credit Bureaus. What Retail Merchants Association mailed me is a document that is copied many times over with text that is superimposed and clearly fictitious and erroneous.

I telephoned Retail Merchants Association on Friday, XX/XX/year> to ask for XXXX XXXX to receive an explanation of such a blatant error and she told me that she would investigate and return my call. She has not. 

I am asking CFPB to order this fictitious Collection removed from my credit reports immediately based on the itemization sent to me under the guise of being a verification letter. Retail Merchants Association produced an invoice from a hospital with me receiving the following : 6 XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  visits on one day ( XXXX ) XXXX Quantities of XXXX  from the XXXX  on one day ( XXXX ) In addition, what is purported to be my signature on a contract is dated XXXX, yet the date of service date is captioned as XXXX. XXXX  credit bureau accepted Retail Merchant Association version of the debt verification letter without reviewing the dates of service for accuracy ( listed as XXXX ), the date of my signature ( listed as XXXX ) and how no one could possible ingest XXXX XXXX  from a XXXX  and still be alive. Please review the invoice the Retail Merchant provided as proof of the debt. IT IS FICTITIOUS.

Please investigate this unscrupulous behavior and compel Retail Merchants Association to remove this Collection from my credit reports immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC.
State: CT

Complaint narrative:
I am writing to request your assistance regarding {$6600.00} in fraudulent charges on my Health Savings Account ( HSA ), which occurred over the past year and a half.

I regularly contribute to my HSA, which is managed by Optum Bank, as part of my high-deductible health plan. Because Im generally healthy and rarely use my HSA, I had trusted Optum Bank to manage my funds safely. 
However, in XX/XX/XXXX, I logged into my account and was shocked to discover numerous unauthorized transactions. Between XX/XX/XXXX and XX/XX/XXXX, there were 77 fraudulent charges : 56 from XXXX and XXXX from XXXX, totaling {$6600.00}. I never made any of these purchases, and none of them resemble legitimate medical or health-related transactions. 
What deeply concerns me is that Optum Bank never alerted me to any of these suspicious activities. I received no monthly statements, no fraud notifications, and no communication whatsoever via mail, email, text, or phone call. It is alarming that dozens of purchases from fast-fashion and retail websites went undetected on a health-related savings account for such a long period.

After discovering the fraud, I immediately contacted Optum Bank. Their representative collected my information and assured me that the issue would be investigated. Unfortunately, I later received only a letter stating that the bank would reimburse {$480.00}, the amount of unauthorized transactions within a 60-day window, and that I was personally responsible for the remaining {$6200.00}. 
When I called again for clarification, the only response I received was, Thats the final decision. There was no explanation, transparency, or empathy.

I am extremely disappointed by Optum Banks handling of this matter. They have failed to provide basic fraud protection or notification systems that any financial institution should maintain today. Their lack of accountability and unwillingness to assist a customer who has lost thousands of dollars due to their oversight is unacceptable. I feel completely abandoned by a financial institution that was supposed to protect my healthcare savings. 
I truly appreciate your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I went to the XXXX dealership and was erroneously charged {$690.00} on XX/XX/XXXX. The dealership told me to enter my debit card so they could cancel and refund the charge, and that the money would be returned to my account the same day. On XXXX, I did not see the charge posted to my account, so I started a dispute with SoFi Bank. I submitted the merchant 's cancellation and refund receipt, along with the merchant 's correspondence stating that the refund was sent on XXXX. XXXX business days later, on XX/XX/XXXX, SoFi Bank still had not issued the provisional credit. Instead, they sent an email on XX/XX/XXXX stating that the investigation would not be completed until XX/XX/XXXX. This violates Regulation E, which requires financial institutions to provide a provisional credit within XXXX business days while they investigate disputed claims. XXXX, I have been going back and forth with SoFi about this, and no one has resolved the issue or issued the credit, which is causing other problems with my checking account and coverage for other scheduled charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This involves both my bank, Bank of America ( BofA ) and XXXX XXXX XXXX  ( XXXX ) : XXXX, ( XXXX ) XXXX from XXXX XXXX XXXX XXXX Department contacted me in early XXXX letting me know they flagged and froze a check XXXX XXXXXXXX that had been " whitewashed '' to an individual we did not make the check out to. It was also not endorsed on the back. The check was deposited into an account at XXXX. I verified that it was fraudulent and was told that as soon as BofA contacted them they would return the funds. He did tell me that there was a time frame that needed to be met to make this happen. I immediately submitted a XXXX Claim to BofA. XXXX XXXX original claim number was XXXX. I called to follow up with XXXX a week or XXXX later and he told me XXXX issued a new claim number XXXX but could not give more information on the status of the claim. 

I repeatedly emailed BofA for the status of recovering my funds. 

On XX/XX/year> I received an email from BofA with a letter stating : " As a result of our research, we have determined that Bank of America is not responsible for paying your claim because you did not implement the appropriate XXXX XXXX services you were offered when your account was opened ''. 

I do not believe BofA has any intention of refunding this money and I don't know if it's XXXX holding the funds or if BofA is using the excuse that " XXXX XXXX '' was not in place so they can fall back on that.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Applied for a personal loan online with my bank, ( USAA ) they say that they sourced information on my XXXX XXXX from XXXX. My score on XXXX  has not changed in months. Current XXXX XXXX is XXXX, on documents from USAA saying sourced data from XXXX  they have my XXXX XXXX as XXXX. The hard inquiry was done on the XX/XX/year>, my score was and still is XXXX. XXXX not sure why they are using such a low score to process the loan? 
Spoke with representatives from both entities about this, XXXX  rep said they should be using current XXXX XXXX pulled from the report and not sure where they obtained that number, if information was sourced from their report. 
USAA rep said they did not have a specific reason to why the score is lower on their report. My question is if you sourced it from XXXX the data should match. 
This misinformation would have me paying more interest on my loan if accepted! 
I have not accepted the loan thus far until better clarification is provided.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting several inaccurate and unauthorized items on my credit file that I have already disputed, but they have failed to correct them. My report shows wrong addresses that do not belong to me, including XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX and XXXXXXXX XXXX XXXX XXXX, CA XXXX. I have never lived at these locations, and their presence indicates misreporting of my personal information. 

Experian is also reporting a collection account from XXXX XXXX XXXXXXXX with a high balance of {$4800.00} and a date opened of XX/XX/XXXX. I have no knowledge of this account, did not authorize it, and it is not mine. This account must be deleted as required under the FCRA when an account can not be verified. 

My file also contains unauthorized hard inquiries that I did not approve and did not initiate. These include XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XXXX Auto dated XX/XX/XXXX, and XXXX XXXX XXXX dated XX/XX/XXXX. I did not apply for credit with these companies, and they had no permissible purpose to access my report. 

I previously disputed these items directly with Experian, but they failed to conduct a meaningful investigation or provide verification. This complaint is submitted directly by me, and no stall letters should be sent. I expect written confirmation within four days, and any delay or failure to correct these inaccuracies may lead to further legal action under the FCRA.

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