vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
The complaint is with M & T Bank. On XX/XX/year>, someone unknown to us was able to access my account through a non-bank affiliated ATM and withdraw {$460.00} and {$200.00}. As reflected in the transaction history, {$3.00} non-bank ATM fees were also charged for each transaction. We became aware of the unauthorized transactions after reviewing the account balance and immediately filed a claim with the bank. We also reported the matter to the police, and a police report was filed under report number XXXX. The bank initially credited the funds back to my account ; however, on XX/XX/year>, we were notified that the claim had been denied, and the funds were withdrawn again on XX/XX/year>. On XX/XX/year>, I contacted the bank and spoke with a customer service representative named XXXX, who informed me that the claim was denied because the correct PIN number had been used during the transactions. I want to clearly state that I did not provide my PIN number to anyone. I am XXXX XXXX XXXX and a former banker with many years of banking experience, and I fully understand the importance of protecting account and PIN information. Likewise, my XXXX son, who is a XXXX XXXXXXXX XXXX XXXX XXXX, would never share this information with anyone. We reported this matter to both the police and the bank because this is a legitimate criminal act involving unauthorized access to my account. The fact that someone was able to gain access to the account and use the PIN indicates that this matter requires further investigation. While I understand that transactions using the correct PIN are often presumed authorized, there are clearly additional circumstances here that should be reviewed carefully. Neither my son nor I had any involvement in these transactions, and we respectfully request that the bank conduct a more thorough investigation and return the funds that were removed from our account. Consumers rely on banks to protect their accounts and properly investigate fraudulent activity when it occurs.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
i ordered a new card from td bank late XXXX of XXXX while waiting for it to come in i got a notification XX/XX/year> at night saying a fraud alert for {$200.00}, i replied no, as i was in bed about to go to sleep. i then checked my bank account to make sure nothing was missing and i seen about {$1300.00} and some change missing from the account, someone with drawled 6 different times for little amounts equaling to {$1300.00} and some change. i then froze the account and went into my local branch the next day. i told them what happeend and how i havent even received the card yet and when asked where the card was on the tracking information they said the card never even went out for delivery. i was very confused and asked for a dispute and i wanted to pull the rest of my money out and transfer it over to a new bank. about a month later TD bank contacted me saying they are calling me to collect debt, they reversed the dispute and now my account is negative, now i am making a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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:
Around the summer of XXXX, I went with my XXXX stepfather to our local Bank of American office XXXX XXXX XXXX XXXX Florida where he opened a trust account for his newly signed Revocable Trust. I am not sure exactly how much money he deposited into this account from his existing account with the bank, but I do remember making sure there would be no bank charges in connection with this account. My stepfather died on XX/XX/XXXX, and I am now the Trustee under this Trust. I recently obtained access to this account and as I reviewed the statements, it appears that beginning on XX/XX/XXXX, Bank of America, started charging him {$25.00} per month for this account. He has been receiving approximately {$.00} per month in interest and losing {$25.00} a month since they apparently changed this account beginning XX/XX/XXXX. On XX/XX/XXXX the balance in this account was {$10000.00} after receiving ALL that interest, but once they implemented this new charge, his account dropped below some {$10000.00} threshold. I contacted the Customer Service Department yesterday and they said they would look into this and today, I was notified by email that it was denied. I don't know how they notified this old man about the change in his account, but this is clearly elder abuse.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
So i applied for a payday loan that i thought was accurate cus i have done a loan before where it would send in my account and stay there. This specific loan gave me the money through my checking and saving account and I went through their site last minute to realize that the money they sent was a scam and they really wanted me to give them money back through gift cards so instead of me having this money they had my bank return it when I decided to move the money elsewhere so they wouldnt take it and it made me XXXX and my saving XXXX. I called chase multiple times to tell them this was a fraud check and they kept transferring me to different people even told me they may be able to help just to tell me today that they had to close my accountmind you its only been a week not 30 days nor 60 and they just told me to close my account for the best without giving me reason. I still had a check on the way Friday they said can still come through some way but never did and I was highly disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Lvnv has sued me without properly serving anything. I want a chain of custody of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding an XXXX XXXX XXXX XXXX credit card account ending in XXXX. I disputed the reporting of late payments and a charge-off because I requested legal and verifiable documentation supporting the accuracy and legality of the negative reporting. I first sent Synchrony a formal dispute requesting proof of delivery of the periodic billing statements, proof that the statements were provided at least 21 days before the due date as required under TILA, written notice of negative credit reporting, and legal validation supporting the late payments and charge-off. Synchrony first responded with a generic letter stating that it was reporting the account correctly and that account statements would be sent separately. Later, Synchrony sent another response dated XX/XX/year>, along with account statements. However, the company did not provide the specific documentation I requested. The statements do not prove actual delivery, do not prove that the required billing statements were delivered at least 21 days before the due date, and do not provide the required written notice of negative credit reporting. After receiving XXXX second response, I sent a second dispute letter explaining that the response was insufficient and again requested the specific legal documentation. Synchrony has not yet provided the requested proof or corrected the reporting. I believe Synchronys investigation was insufficient because it relied on account statements and internal explanations instead of providing verifiable proof of compliance with FCRA and TILA requirements. I am requesting that Synchrony provide the requested documentation or delete/correct the late payments and charge-off from all consumer reporting agencies.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account appearing on my consumer reports with Experian and XXXX. After reviewing my credit file, I noticed multiple inconsistencies and questionable reporting details regarding this account that I believe are inaccurate, misleading, and potentially in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : * Different balances being reported between credit bureaus * Experian reports : {$32000.00} * XXXX reports : {$32000.00} * Different past due amounts being reported * Experian reports : {$32000.00} * XXXX reports : {$32000.00} * Different payment status histories being reported * Experian reports Late 180 Days * XXXX reports Late 120 Days * Different Date Last Active and Date of Last Payment entries being reported between bureaus. Because the information being furnished is inconsistent and unverifiable, I am requesting that XXXX XXXX XXXX conduct a complete investigation into this account pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 and provide the following : 1. A complete payment history for this account 2. The original signed contract bearing my signature 3. Validation of the full balance being claimed 4. Documentation proving the accuracy of all late payments reported 5. Documentation showing the correct date of first delinquency 6. Proof this account was legally verified with each credit bureau If you can not provide competent evidence verifying every portion of this account, I demand that the inaccurate information be immediately corrected or deleted from all consumer reporting agencies. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or have reasonable cause to believe is inaccurate. Reporting inconsistent balances, delinquency dates, and payment statuses between bureaus raises serious concerns regarding the reliability and accuracy of this tradeline. Please investigate this matter within the time allowed by federal law and send me written confirmation of your findings. Sincerely, 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 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
The Specific Policy Violation : The exact section of the PayPal User Agreement or Acceptable Use Policy you allegedly violated. The Evidentiary Basis for the Restriction : The specific transactional or behavioral trigger that caused the system flag on or around late XXXX. The Specific Risk Assessment Logic : The legal or financial justification for keeping a generic hold on {$8.00} when there are zero pending transactions or active disputes to mitigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Tilt Finance, Inc.
State: TX

Complaint narrative:
XXXX Platform : XXXX XXXX : XXXX XXXX Date Account Frozen : Wednesday, [ XX/XX/year> ] My financial account with Tilt, a XXXX platform utilizing XXXX XXXX for its depository and banking services, was automatically frozen on Wednesday without prior warning. The freeze was triggered by a legitimate, large deposit originating from a verified XXXX ( k ) retirement distribution.I acted immediately by submitting all official tax forms and distribution documentation to verify the source and legitimacy of these funds. Despite doing so, XXXXXXXX XXXX customer support has completely stonewalled me. Phone agents admit they see the account freeze but state they " can not do anything, '' refusing to provide a support ticket number, a case status update, or any timeline for resolution.Because XXXX XXXX is the federally insured institution holding these assets, they bear ultimate compliance and regulatory responsibility. Both entities are currently withholding my personal retirement assets without due process, clear communication, or an avenue for escalation. This total lack of transparency and refusal to review my compliance documentation is causing severe financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am XXXX XXXX military, residing in Louisiana. I am requesting that my account be reviewed under Louisiana Servicemember Civil Relief Act law. w. I request that my interest rates be lowered to 4 % as per the statute. Along with that I am seeking reimbursement for all paid interest fees for the duration of the account that exceeded the 6 % interest rate outlined in Louisiana SCRA laws. I have a ached a copy of my military orders, along as my residential lease as proof of residency in the state of Louisiana

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened my checking account with Capital One bank, in XX/XX/year>, after being informed that there was a {$250.00} incentive if I deposited a certain amount ( $ XXXX ) within several days, In which I did. I called Capital One bank XX/XX/year> & spoke with a customer service rep that said that there were no notes on my accounts stating anything about an offer. I then asked to speak with a supervisor, who informed me that she apologized that the rep gave me incorrect information but she will honor & authorize a claim to have the funds deposited and to give it about 3-5 business days. On XX/XX/year>, I called back to Capital One bank to follow up and was told by a supervisor XXXX ID # XXXX that the previous supervisor did not submit a claim & XXXX said the notes stated for me to call back so that a claim can be submitted to see if they can honor the offer. XXXX said that he was then going to submit a claim and for me to call back in 15 days to see if the offer can be honored. I told XXXX this was not acceptable & that I am being given the run around and wanted to speak to upper management. XXXX said there was no one hire than him that I could speak with and he would send a message to the escalation dept and someone should give me a call withing a few days. This is beyond and want the incentive that was offered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX in XXXX of XXXX. I received an email in XX/XX/XXXX informing me that a debt collector was trying to reach me on behalf of my old rental. After months of attempting to get an itemized statement I got XXXX XX/XX/XXXX and none of the amounts or receipts match, there are charges for upgrades and not damages, and there are random charges that have no receipts at all. I have sent a certified dispute letter and attempted to resolve this over email with the debt collector and have not received an answer to any of my emails since XX/XX/XXXX when they sent the itemized list. I would like several things taken off of this debt, and I would like it taken off my credit report as I was not informed of any charges until it was sent to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since XXXX XXXX XXXX, my Capital One credit card account has remained restricted due to what was initially presented to me as a potential fraud-related concern, despite the fact that I confirmed the transactions in question were legitimate and made by me personally. As part of the verification process, I participated in a three-way call involving both my bank and Capital One representatives to verify my banking information and identity. Despite completing these steps and repeatedly complying with all requested documentation requirements, my account remains restricted with no clear resolution timeline. Throughout this process, I have received repeated conflicting and inconsistent information from Capital One representatives regarding : * which documents are acceptable, * the status of my review, * and the expected timeframe for resolution. Initially, I was informed that my submitted documentation would be reviewed within 110 business days. After that timeframe passed with no communication or resolution, I was later informed that a previously submitted proof-of-residence document was never considered an acceptable document type, despite this never being disclosed to me during earlier interactions. I was also informed at one point that a submitted document could not be accepted because portions of an account number had been blocked out for security purposes. After this, I promptly submitted additional requested documentation, including a voided check and a bank statement from my personal checking account. Additionally, a supervisor advised me that after 24 hours I could call back and request that a manager review my documents for expedited handling. However, when I followed those instructions, I was told that no such expedited review could occur and that I would instead need to restart the full 110 business day review period again. Over the course of this process, I have repeatedly been told that account notes, escalations, and expedited requests were being submitted on my behalf, yet no meaningful progress, communication, or follow-up has occurred. At this point, I am requesting : * confirmation that all required documents have been received, * confirmation that no additional documentation is pending from me, * clarification regarding the actual status of my account review, * and a clear and accurate timeline for resolution of the account restriction. I believe the repeated conflicting guidance, undisclosed documentation requirements, missed timelines, and inconsistent communication throughout this process have caused unnecessary delays and prevented timely resolution of my account restriction.

Company response to consumer: Closed with explanation