vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 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: TX

Complaint narrative:
I am filing a complaint regarding a restriction placed on my XXXX service linked to my Bank of America account. Friday, XX/XX/XXXX at XXXX XXXX I received an email from Bank of America stating that my cellphone number was no longer eligible for XXXX due to activity allegedly inconsistent with XXXX terms and conditions. When I contacted Bank of America, I was told the restriction originated from XXXX. However, XXXX informed me that there are no restrictions associated with my phone number directly from them it came Bank of America. During a follow-up call involving both parties, I spoke with a Bank of America representative XXXX XXXX ). I read the email verbatim and requested specific details about the transactions or activity in question. The representative was unable to provide any specifics, repeated the general language from the email, and advised me to review XXXX terms. My request for clarification and escalation was denied, with the explanation that the information came directly from XXXX. I spoke with multiple representative from XXXX and Bank of America and both organizations are blaming each other with no resolve. I work in banking and am familiar with compliance requirements, and I have not knowingly violated any terms. I am now facing a restriction on my cellphone number without any clear explanation or supporting evidence. I request : A detailed explanation of the specific transaction ( s ) or activity that led to this restriction Documentation or evidence supporting the alleged violation Immediate review and removal of the restriction if no valid violation is found The lack of transparency and inconsistent information from both parties is concerning. I request a thorough investigation and prompt resolution. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), this account should not be there. Please check this information again and fix it, following 15 USC 1681c-2 inaccurate information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 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: NAVY FEDERAL CREDIT UNION
State: AE

Complaint narrative:
I authorized one credit card transaction with XXXX for a hotel booking ( Booking ID XXXX ) in the amount of {$1400.00} on XX/XX/year>. On the same day, XX/XX/year>, I was charged a second time in the same amount ( {$1400.00} ), which was not authorized. I did not recognize this duplicate charge at the time and only became aware of it after reviewing my monthly statement. I canceled the reservation within the allowed cancellation window, and on XX/XX/year>, the merchant issued a refund of {$1400.00} based on that cancellation. Despite this, multiple identical charges were processed for a single reservation. On XX/XX/year>, an additional charge in the amount of {$1400.00} was processed by the same merchant for the same booking. This additional charge was not authorized and occurred after the cancellation and refund. I filed a dispute with Navy Federal Credit Union. The bank reviewed the duplicate charges from XX/XX/year> and the refund, but dismissed the duplicate charge made on the same day as resolved and failed to investigate the additional charge processed on XX/XX/year>. The bank incorrectly concluded that the remaining charge was valid based on a non-refundable policy, without addressing the multiple identical transactions or the valid cancellation and refund. This is not a dispute regarding a non-refundable booking. This is a dispute regarding multiple identical charges for a single reservation, including an additional charge after a valid cancellation and refund. Navy Federal Credit Union failed to conduct a complete and accurate investigation of all transactions, resulting in an incorrect conclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: Chime Financial Inc
State: GA

Complaint narrative:
I was charged from XXXX on XX/XX/year> for XXXX. That very morning I called chime to report charge and immediately cancel card. Well they waited over 60 days to give me an answer, they denied my request. I attempted to call XXXX they said it was for some subscription for XXXX ( I dont even own a XXXX pc ). Well because I thought chime would resolve this fraud matter over 30 days passed for XXXX to reverse charges. XXXX ALSO refused to reverse charges even though that card and transaction was reported the very next day. At this point I have lost XXXX bucks to a XXXX XXXX corporation that has not even provided me with an actual product or anything for the money above mentioned. Both companies refuse to help and both companies are denying my claims

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My vehicle was repossessed from locked private property without authorization on XX/XX/year>, around a.m. The repossession company accessed a gated area by opening XXXX gate and then unlocking the main gate where the vehicle was located. This raised serious concerns about the legality of the repossession. I contacted Wells Fargo immediately to report the issue and opened a case. In that case i stated that there were damages done to my gates and locks. I also filed a police report and provided the report number to Wells Fargo. Despite this, the matter has now been ongoing for several weeks without resolution. I was initially told that there would be a resolution XX/XX/year>. On XX/XX/year> there was no resolution and no one from the company reach out to me I did call to speak with my case XXXX that day and he had left for the day. I called the next day to speak with my case XXXX he informed me that this was still ongoing and they were waiting on the vendor to respond, This would now take XXXX weeks to resolve. I then requested to speak with a XXXX which I was informed they were not available and they would give me a call back between XXXX hours that did not happen. I sent emails and called during the XXXX hour and still could not speak with a manger. On XX/XX/year> I called and requested a manger again to provide a clear timeline they had blocked me and I could only reach by calling from a different number or private. When I did get through XXXX XXXX was calling but had tech issue with her phone which lead to the call ending with no resolution. She called back and had the same issue. She later had XXXX call who is a senior escalation XXXX to inform me that my case now can possibly be resolved XX/XX/year> but she is not clear if additional time will be needed. Wells Fargo has stated they are waiting for the vendor company to respond, but I have not been given a clear timeline for when this case will be resolved, even after requesting XXXX. I have made multiple follow-up attempts and have not received meaningful updates. Additionally, I formally requested to be compensated for the damage to my gate and for all repossession-related fees and charges to be removed due to the circumstances of the repossession. These requests have not been addressed. I did not contact the repossession company directly, as Wells Fargo is the lender that authorized the repossession and is responsible for overseeing the actions of the company they hired. I have provided all available information, yet the issue remains unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), this account should not be there. Please check this information again and fix it, following 15 USC 1681c-2 inaccurate information must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
For several years, I held a XXXX XXXX credit card issued by Capital One, for which I created an online account and selected paperless statements as my preferred delivery method. In XX/XX/XXXX, Barclays Bank assumed responsibility for the XXXX XXXX credit cards. Upon receiving my new Barclays-branded card, I promptly established a new online account with Barclays and again indicated my preference for paperless statements. However, in XX/XX/XXXX, I received a letter from Barclays stating they would begin sending my statements via postal mail because their attempts to deliver statements by email had been unsuccessful. The letter instructed me to log into my online account and update my settings to paperless statements, which I did. At the time, I believed the issue was resolved. Unfortunately, I continued to receive identical letters informing me that Barclays would start mailing my statements due to failed email delivery attempts. Upon receiving these notices, I contacted several customer service representatives, all of whom confirmed that my email address is correctly recorded in their system. To date, I have received XXXX such letters, and each time I have been forced to manually access my online account and reset my communication preferences to paperless. A copy of the most recent letter from Barclays, dated XX/XX/XXXX, is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX I received a text message asking if I had authorized a transaction in the amount of {$52.00} from Cash App. Immediately after I received the first text, I received several more. As soon as the first one came in, I called the number for the fraud department at XXXX XXXX XXXX to alert them to the fact that I had not authorized any transactions. By the time I was able to speak with a person in the fraud department, they had already paid out XXXX payments of {$52.00} and XXXX payment of {$26.00}. I have never authorized more than XXXX transactions in XXXX day on this account with Cash App and have never authorized any transactions in these amounts. I was immediately locked out of my Cash App account and had to try and reestablish the account so I could file a claim with them. I took screenshots to prove someone had locked me out of my account. I eventually was able to get back in and file a complaint with Cash App, but I never heard back from them. After several weeks, I went back into my account, and I found I was locked out again, so I could not even see if there had been any response to my complaint. Nevertheless, no one from Cash App tried to contact me by any other method, even though they had my email and phone number. I have never authorized any transactions to the account the money was transferred to, and Cash App should have detected the fraud before I was charged almost {$300.00}. They did nothing to try and protect me as their consumer. I want them to research this fraud and refund my money, because had they done their due diligence, they would have immediately realized these were fraudulent transactions. After months of communicating with them to resolve the issue, they finally acknowledged by an email that the activity on my account was fraudulent. They noted in the email that the balance had been returned to my account. However, when I tried to access my account, they told me it was closed due to fraudulent activity, which I told them I already knew, because I was the one who filed a claim. They then told me they had to open a new investigation, and I would not be able to access my funds, until the had completed the investigation. I waited for weeks, and then I called them back. At that time, they told me the same thing. I asked if they could refund my money by check, or any other method, but they told me they could not help me and to just " be patient ''. I have already been patient for the past XXXX months, with no resolve. I firmly believe they are just trying to push me aside and hope I give up in trying to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently went through an unexpected XXXX and Im already having a hard time managing the medical expenses, so this situation with my credit report has made things even more overwhelming. Because of the inaccurate items showing up, Ive been disqualified from a medical financing program that could have really helped me. Ive tried multiple times to resolve the issue with these fraudulent inquiries, but nothing has been fixed. These inquiries are not mine, and I have no connection to them at all. Its stressful dealing with this, especially knowing Ive been a victim of identity theft, and its also affecting my ability to move forward with important goals like buying a home and supporting my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: FISERV FINXACT CORE
State: CA

Complaint narrative:
During XXXX XXXX issued a XXXX XXXX XXXX Refund to Taxpayers. I recieved XXXX with embossed with a valid thru date of " XX/XX/XXXX '' ( See attachments XXXX and XXXX ). My wife and I are both named on the card. When I tried to use the ATM card it did not work because the State had rendered the cards inoperative but still allowed taxpapers to get their money through XXXX XXXX until the expiration date on the card. When I called the XXXX XXXX XXXX XXXX XXXX XXXX and again in XXXX, a computerized message advised me there was a {$700.00} balance in the card and that I could either use the card ( which was false information ) or I could go to XXXX XXXX XXXX webisite and transter the {$700.00} to my peronal checking accouny at any external bank. I attempted to do the latter but the webite advised me that the site was not configured to perform external transfers to other banks., which contradicted what XXXX system had said on phone. When I attempted to contact a live agent, the system hung up on me. Since I was almost the card 's expiration date on the card, I took the only " out '' that appeared available to me : using the website I transferred the {$700.00} from the card to my " piggybank '' ... an internal account on the website. ( See Attachment XXXX ). The XXXX is that XXXX XXXX has given me no access to my own " piggybank '' which now contains the {$700.00} that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They closed my account with no notice on XX/XX/XXXX leaving my in a financial hardship and are refusing to release my funds in a timely matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: OK

Complaint narrative:
I received a {$500.00} loan on XX/XX/year> and was told I would be paying {$120.00} per month until XXXX. There has been {$120.00} automatically withdrawn from my bank account every XXXX weeks since XX/XX/year>. When inquiring about paying in full, I was advised that the principal balance is {$470.00}. At no time was i ever advised that only {$3.00} of each payment would be going to the principal amount. I have made a total of {$1100.00} in payments and there has only been {$24.00} applied to the principal amount.

Company response to consumer: Closed with explanation