vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am filing this complaint regarding inaccurate late payment reporting on my Capital one account that is negatively impacting my credit score. I contacted Capital One directly to dispute the reported late payments and was given conflicting and inaccurate information by representatives. I was told that I was consistently late and also informed that I was not enrolled with a debt management company, despite my records showing otherwise. The representatives were unable to provide clear documentation or an accurate explanation supporting the late payment reporting. I dispute the accuracy of these late payments because I have screenshots and records showing that my payments were submitted on time. Despite providing this information and attempting to resolve the issue directly with the company, I was given the runaround instead of a proper investigation into the reporting. The inaccurate reporting has significantly harmed my credit profile and score. I am requesting that Capital One : Conduct a full investigation into the reported late payments Provide a complete payment history and documentation supporting any alleged delinquency Correct or remove any inaccurate late payment reporting from all credit bureaus Ensure future reporting complies with the Fair Credit Reporting Act ( FCRA ) I am attaching supporting documentation showing timely payments and my efforts to resolve this issue directly with the company. Additionally, during my attempts to resolve this issue directly with Capital One, the customer service representative I spoke with was dismissive and unprofessional. Instead of properly reviewing my concerns and supporting documentation, I was repeatedly told that I was consistently late without clear evidence or explanation. I felt that my concerns were not taken seriously, and I was not provided meaningful assistance in resolving the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: SC

Complaint narrative:
XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX. This complaint is being filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX. XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$200.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the fraudulent accounts in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned collections and accounts are the result of identity theft and fraud. I have attached a copy of the FTC Criminal Complaint ( Case # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year> I noticed a fraudulent charge dated XX/XX/year> on my Bank of America XXXX XXXXXXXX credit card. The charge was for {$1700.00} at a XXXXXXXX XXXX XXXXXXXX store. I live in Washington XXXX and have not visited Virginia in years. I didn't provide my card information or authorize anyone else to use my card. The physical card was always in my possession. That same day I notified Bank of America ( BoA ) on the phone and submitted a fraud claim. On XX/XX/year> I received a Denial of Claim letter from BoA. I contacted them by phone and they indicated the denial was based my previous purchases. Apparently since I shop at XXXX in XXXX XXXX occasionally they assumed it was me making the purchase at a XXXX on the other side of the country. I called the XXXX XXXX XXXX and they told me that the purchase was made under the name " XXXX XXXX. '' I then filed a criminal activity report with our local Sheriff 's office.

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 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX I asked for my credit card account with Citi to be closed. I paid my bill in full down to zero and there should have been no additional charges because the account I believed the account was closed. There were 2 additional charges after that point - both inadvertent. I did not realize that these charges were made because I believed the account was closed. One charge was on XXXX XXXX, XXXX for {$40.00} and one was on XX/XX/XXXX for {$5.00}. Since then, Citi has continued to charge late fees, interest, and membership fees totally {$270.00} for a total balance of {$320.00}. They have also continued to report me as late to the credit bureaus. If the account had been closed per my request, neither of these charges would have been made and none of the additional fees would have accrued. I offered to Citi to pay for the 2 charges that were made along with the interest from those 2 charges. I asked for them to remove the late fees, membership fee, and interest on those and to correct reporting to the credit bureaus. They refused. Please help me make this right.

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 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Date of Fraud- XX/XX/year> Amount of Fraud- {$8000.00} Apple Pay transaction IDs- XXXX, XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX The reason why I'm writing because my recent fraud claim was denied, and I'm very disappointed on the result. Per the Bank of America findings, the claim was denied because I authorized the charge. Please note that I was coerced to send money because I was afraid for my life and my family 's life 's. The fraudster sent me text messages and called me indicating that he will kill me and my family if I don't comply. He texted me my address and my family member 's names. He also indicated that there are hitmen in the area that will target my family if I don't comply, and wanted proof that funds are being sent. Because I was coerced and in despair, I sent him proof of payment. I would think that Bank of America would ask if I wanted to authorize the transaction. I only received a notification for {$2000.00} which I denied, and that payment didn't go through. I never received a notification to deny the {$8000.00} that was sent. This information was all included in the police report that I provided to Bank of America.

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 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
b'The company has called on numerous occasions and I have asked for the below information and have never once received anything more than paperwork to resolve the bill and no proof of anything. I have attempted several times over the last 1yr to 1 1/2 to get this information as I do not think is correct or accurate. I know by law they have to provide the information but have refused to due son .\n\n\n\n1.\tProof of the amount of the debt: Provide a complete payment history and an itemized accounting of the alleged debt, including the principal amount and any added interest, fees, or charges.\n2.\tProof of the original creditor: Provide the name and address of the original creditor, and the original account number.\n3.\tProof of your authority to collect: Provide a copy of the agreement or assignment that grants Radius Global Solutions the legal authority to collect this alleged debt.\n4.\tProof of my obligation to pay: Provide a copy of the original signed contract or agreement bearing my signature that created the original obligation.'

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 2026-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a call from a man who said he was verifying a charge was made to XXXX XXXX. I stated no. He said he could reverse it. Stupidly, I agreed and he requested I share my screen. I did not know at that time, it was a scam. He went through transactions very very quickly using the authorized texts I was getting. After a while, I realized it was a scam and hung up. I immediately called all CCs either the same day or next. 1 checking account was accessed, 3 cards and my XXXX account. I have attached all charges written by hand for I could not get the accounts to print. For Capital One, I could not find XX/XX/year> Capital One transactions but did find the transactions for one, XXXX for XXXX. All the other charges on cards and the bank account, 4 each, had the title XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
I am filing a complaint regarding the handling and communication of my cash-out refinance application with CrossCountry Mortgage. Timeline of events : * I began the refinance process on XX/XX/year>. * The appraisal was completed on XX/XX/year>. * I received a pre-approval on XX/XX/year>. * On XX/XX/year>, I was asked to provide additional documentation, which I submitted. * Since then, I have not received meaningful updates regarding the status of my loan despite the length of time involved in this process. My concerns are : * Lack of communication and transparency regarding the status of my refinance * Delays in underwriting or processing without explanation * Failure to provide clear timelines or outstanding conditions * Concern about whether my application is still active and whether any rate lock or loan terms have been negatively affected due to delays I am requesting : 1. A clear written explanation of the current status of my refinance application 2. A list of any remaining conditions or documents needed 3. An explanation for the delays 4. Confirmation of whether my rate lock or loan terms have changed 5. A reasonable timeline for resolution or closing I have attempted to communicate with the lender but have not received adequate responses or updates. I would like this matter reviewed and resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I applied for a HELOC at a PNC branch and the loan officer ( who later admitted he was not aware of an origination fee ) told us there will be no cost or fees to open a HELOC. After a few weeks of sending forms required and reading/signing doc forms online from the processor, nothing mentioned about an origination fee. On the day of closing, I was presented a form to sign for an origination fee of {$190.00} that will be included on the first payment. I told the closing officer at the same branch that it was never disclosed verbally or in writing of an origination fee and that the loan officer said no fee. The loan officer was at the bank and confirmed he was not aware of this fee to the closing officer. I did not want to sign this form but I was told if it's not signed then no loan. I agreed to sign it not to hold up the loan and they said they would look into having the fee dropped. It was sent to an investigator at the main officer who told me it would be suggested to refund the fee but it would be up to the branch manager. For weeks now we have been around and around with this manager and the main officer over this issue and no resolution or decision

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I moved out on XX/XX/year>. The company later attempted to collect {$1300.00} for insufficient notice, though the lease states liquidated damages equal XXXX months rent ( {$1500.00} ). I disputed the debt and requested validation over 30 days ago. The company provided only a postmove-out mailing dated XX/XX/year>, not the statutory notice required by Fla. Stat . 83.575 ( 2 ). Despite unresolved inaccuracies and lack of validation, the debt was verified with XXXX. I request removal of this inaccurate and unverifiable account. I have also submitted disputes with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: MO

Complaint narrative:
In XX/XX/year>, my bank restricted my account due to a fraud claim. I cooperated fully and repeatedly contacted the bank for updates. After several months, the bank closed the fraud claim stating it was due to error. Despite the claim being closed, the bank continues to restrict my account and will not release my funds. I have been unable to access my own money for several months. I have contacted the bank multiple times by phone but they have not provided a clear explanation, documentation, or timeline for restoring access to my account. They continue to tell me the account is restricted without giving a valid reason. The banks actions have caused significant financial hardship. I am requesting CFPB assistance to require the bank to release my funds, provide the investigation results, and explain the legal basis for continuing to hold my money after the fraud claim was closed. * *

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 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for potential violations of federal consumer protection laws. After disputing the alleged debts and requesting proper validation, the agencies failed to provide sufficient documentation proving I am legally responsible for the accounts, such as original agreements, account records, proof of ownership, or authorization to collect. Despite the lack of verification, collection activity and credit reporting may have continued, raising concerns about possible violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including failure to properly validate debts and reporting potentially inaccurate information. Overall, these actions suggest attempts to collect unverified debts and possible noncompliance with federal consumer reporting and debt collection requirements.

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 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App closed my account saying I violated terms i kept a good transaction history never did anything illegal just closed the account with no reasoning this has affected my 2 sons account too

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I purchased a home in XXXX through XXXX XXXX XXXX with a XXXX first and an XXXX second. After threatening to sue XXXX XXXX for predatory practice they agreed to a making homes affordable modification. The loan was modified for XXXX in XXXX and I began making payments. I have been on time ever since. I am trying to retire and had a title search done before we sell this and found an open XXXX still on the second. When I contacted PNC who assumed XXXX XXXX in XXXX, they told me that they sold or tranferred the second to a company called XXXX XXXXXXXX XXXX insurance who later merged with XXXX. After tracking down XXXX, I was informed they held my second and I owed them over XXXX in the loan and interest. Until XXXX days ago, I had not idea the second existed since it was supposed to be merged into the modification. I have never even heard of this company or from them in XXXX years. It seems PNC should have not been able to sell the second and I can get no information on what they sold and even the interest rate. XXXX told me they are not required to contact me or bill me and that I should have been making payments to them even though I had no idea they existed or held my loan. I have recently loast my job and can't afford to stay in this home or get an attorey. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I accepted a Bank of America Direct Deposit Cash Advance promotional offer with a 0 % APR promotional period extending into XXXX. Based on the way the promotion was presented, I reasonably understood that I could continue using the credit card normally for purchases as long as I paid my purchase balances in full by the due date. I paid my purchase balances before the due dates. However, Bank of America later charged purchase interest on XX/XX/XXXX ( {$18.00} ) and XX/XX/XXXX ( {$26.00} ), totaling {$44.00}. When I contacted customer service, I was informed that because I had an outstanding promotional Direct Deposit Cash Advance balance, my payments were applied toward that balance and I no longer had a purchase grace period, even though the promotional balance itself carried a 0 % APR. I do not believe this consequence was clearly or practically disclosed when the promotional offer was accepted. Had I understood that ordinary purchases would begin accruing interest despite timely payments, I would not have continued using the card for purchases. I requested a goodwill reversal of the interest charges, but Bank of America denied the request. I am requesting : 1. A review of whether the promotional terms and loss of purchase grace period were adequately disclosed ; 2. A goodwill reversal of the {$44.00} in purchase interest charges ; 3. A written explanation of how payments were allocated and why purchase interest accrued despite timely payments before the due date. I stopped using the card for purchases after discovering the issue on XX/XX/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 2026-05-12 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: NY

Complaint narrative:
Last year I made a purchase to XXXX XXXX. The site seemed to be offering a promotion that made me want to confirm with American Express to check the website for validity, they said it was legitimate to their understanding and not to worry that they would back me up if any issues. 11 days later after making the purchase I contacted American Express because the order showed payment to XXXX not XXXX XXXX. They asked me a series of questions and then asked me if i contacted XXXX which I hadnt so they asked me to do that with no other context or assistance ; no case was created from AMEX noting that i raised a red flag. When I reached out to XXXX they couldnt help me because they couldnt find the order in my history due to the order going through a paypal payee acount and not through my paypal account to the merchant. A year later I tried to dispute the charge again but they are saying its too late. I had the case re-opened several times but it was automatically closed with no human intervention. then i filed a complain with AMEX for review and they closed the case once again for the timeline.

Company response to consumer: Closed with explanation