vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
On Tuesday, XX/XX/year>, I deposited a settlement check issued by a law firm into my bank account. Initially, the bank made only {$60.00} available, which I understood could be standard while the check processed. Overnight, the bank then made approximately half of the check amount available in my account. Because the funds were shown as available by the bank, I used part of the money to make bill payments. Later that same day, the bank removed all availability from the deposit and placed the entire check on hold until XX/XX/year>, stating they had received proprietary information that the check may not be honored. After the funds were withdrawn again and the hold was placed on the deposit, I contacted the bank seeking clarification. During that process, the bank then suspended my entire account, leaving me with no access to my money at all. I was not given any warning before the available funds were reversed, and I was never notified that the bank could remove funds after already making them available for use. This has now put me at risk of returned payments, overdraft issues, and additional financial harm because transactions were made based on the balance the bank itself showed as available. I contacted customer support multiple times seeking clarification. Representatives would not explain what information was received or why funds had first been partially released and then later withdrawn. One representative also criticized me for accepting a check instead of requesting a wire transfer, despite the check being issued by a legitimate law firm as part of a settlement. On Thursday, XX/XX/year>, I contacted the law firm directly. They confirmed that the check had already cleared on their end as of Wednesday, XX/XX/year>. The law firm also stated that my bank had never contacted them to verify the check or request any additional confirmation. My concern is not only the hold itself, but the inconsistent handling of the deposit, the reversal of funds after release, the suspension of my account, and the lack of communication or warning provided before the bank changed the availability status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am formally disputing the accuracy and completeness of the Midland Credit Management account currently reporting on my TransUnion credit file. This account was recently deleted by XXXX following reinvestigation after Midland Credit Management failed to verify the tradeline. XXXX investigation resulted in complete removal of the account from my credit report. TransUnion is continuing to report inconsistent information despite another nationwide consumer reporting agency deleting the account after investigation. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681i, TransUnion is required to maintain maximum possible accuracy and conduct a reasonable reinvestigation of disputed information

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 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
I am submitting this complaint regarding National Credit Adjusters and a collection account they are reporting related to an alleged balance from XXXX XXXX. I have been receiving collection attempts regarding this account, and I am formally disputing this debt and requesting proper validation and documentation. At this time, I have not been provided with sufficient documentation showing that National Credit Adjusters has the legal authority to collect this alleged debt from me or that the balance being reported is accurate. I am requesting that the company provide actual supporting documentation instead of continuing collection activity and credit reporting without proper verification. Specifically, I am requesting : A copy of the original signed agreement or loan contract connected to this alleged balance with XXXX XXXX A full itemized statement showing exactly how the amount being collected was calculated Copies of any payment history, fees, interest charges, or accounting records related to the alleged balance Documentation showing that National Credit Adjusters was legally assigned or authorized to collect this debt on behalf of XXXX XXXX XXXX bearing my signature or agreement showing responsibility for the alleged amount being collected Proof that the information being furnished to the credit bureaus was properly investigated and verified before reporting I also dispute the accuracy and completeness of the information currently being reported to the credit bureaus until proper validation is provided. Additionally, I am requesting that National Credit Adjusters cease telephone communications and communicate with me in writing only moving forward. I am asking the CFPB to investigate this matter and require the company to provide complete validation and supporting documentation for this alleged debt and to correct or remove any inaccurate, incomplete, or unverifiable reporting. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am filing a complaint regarding continued statements being mailed from Barclays on a closed account belonging to my deceased husband. My husband passed away over XXXX years ago. I was only an authorized user on the account and not financially responsible. Barclays representatives have informed me by phone that I am no longer an authorized user and that the account is closed. Despite this, Barclays continues to send monthly statements for a {$2.00} balance to my home addressed to my deceased husband. I have contacted Barclays multiple times over the past XXXX years regarding this issue. Additionally, XXXX has already deleted this account from my credit report following a dispute. I am requesting : - Immediate cessation of all statements and correspondence - Removal of my address from any remaining mailing records tied to this account - Written confirmation that no further statements will be sent This matter has been ongoing for an unreasonable amount of time.

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 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or around XX/XX/year>, I opened a Capital One credit card account. The account was closed by Capital One within days of opening, before I ever received a physical card. Capital One cited unusual activity despite the activity consisting of normal purchases made on the virtual card issued at account opening. On XX/XX/year>, Capital One charged a {$95.00} annual membership fee. Capital One then closed the account on XX/XX/year>, just 4 days after collecting the annual fee, before I ever received a physical card or accessed any benefits. I never received the physical card, never had access to any card benefits, and the account was closed involuntarily by Capital One not by me. Charging an annual fee and then closing the account days later, before any benefits were ever received, is an unfair billing practice. I am requesting the {$95.00} fee be waived and removed from my balance. On XX/XX/year>, I contacted Capital One by phone to request the fee be waived and was told they are unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have disputed this account multiple times, yet the payment history continues to report materially differently across XXXX, XXXX, and XXXX. The same tradeline reflects conflicting delinquency timelines, severity levels, and monthly payment statuses depending on the bureau reporting it : - XXXX reports repeated XXXX delinquencies throughout XXXX, a XXXX delinquency in XX/XX/XXXX, and additional late payments in early XXXX. - XXXX reports a substantially different payment history for the same account, including different months marked current versus delinquent and no comparable XXXX delinquency pattern. - XXXX reports a separate and conflicting late-payment timeline with different months marked late/current and a different overall delinquency structure. These are not minor reporting differences. The same account can not accurately have XXXX materially different payment histories across the major credit bureaus. Despite multiple prior disputes, the reporting remains inconsistent, which raises concerns that a reasonable investigation was not conducted as required under the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation into the accuracy and consistency of the payment history being furnished for this account to all three credit bureaus. If the information can not be verified as complete, accurate, and consistent, I request correction or deletion of the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a text " XXXX XXXX Citi XXXX XXXX. We declined {$99.00} at XXXX XXXX Was this you? Reply XXXX or XXXX or sign on to Citi XXXX XXXX '' on XX/XX/year>. So I logged into Citi XXXX XXXX. There were many transactions asking me to approve or decline. I didn't know those transactions, so I declined all of them and disputed XXXX transactions in total. At the same time, I reported a card lost and requested to get a new card. But Citibank charged me {$6.00} interest for these fraud transactions. And Citibank charged and refunded several times : - {$0.00} on XX/XX/XXXX, {$6.00} on XX/XX/XXXX, {$6.00} on XX/XX/XXXX, - {$6.00} on XX/XX/XXXX, - {$6.00} on XX/XX/XXXX, - {$6.00} on XX/XX/XXXX, {$6.00} on XX/XX/XXXX, {$6.00} on XX/XX/XXXX, {$0.00} on XX/XX/XXXX. Finally Citibank still charged me {$6.00} interest! Citibank, please calculate them! I have submitted this complaint XXXX times! Do not waste my time! Why are you so stupid?!

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 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management ( MCM ) is reporting a collection account of approximately {$13000.00} on my credit file at all three major credit bureaus ( XXXX, XXXX, and XXXX ) with the listed original creditor identified as " LOAN ASSET ISSUER XXXX XXXX XXXX. '' This is not a legitimate original creditor. " XXXX XXXX XXXX XXXX XXXX XXXX '' is a securitization special-purpose vehicle a legal shell entity used to hold pools of purchased receivables. It has never originated consumer credit, has never had a direct consumer relationship, and is not a creditor of any kind under the FDCPA or FCRA. By reporting this securitization vehicle as the " original creditor, '' Midland Credit Management is making a false representation of the character and legal status of this alleged debt in violation of 15 U.S.C. 1692e ( 2 ) ( A ). This misrepresentation appears identically across all three credit bureaus, confirming it originates with Midland as the furnisher. Midland also had an independent obligation to report accurate information under 15 U.S.C. 1681s-2 ( a ) before any dispute was filed that obligation was violated from the moment this tradeline was first reported. I have disputed this account with all three credit bureaus. In each case, the bureaus verified the account using boilerplate reinvestigation language without correcting the phantom original creditor designation, confirming that Midland certified this inaccurate original creditor information as accurate through the XXXXXXXX reinvestigation process on multiple occasions, in violation of its post-dispute furnisher accuracy obligations under 15 U.S.C. 1681s-2 ( b ). I also sent Midland a direct written dispute requesting identification of the true original creditor and documentation of the chain of assignment. Midland did not respond. This is not an isolated reporting error. The identical phantom original creditor designation appearing across all three bureaus, surviving multiple reinvestigation cycles, reflects a pattern of willful misrepresentation of the nature and origin of this alleged debt. I am requesting that Midland Credit Management immediately delete this tradeline from all three credit bureaus. Because the original creditor can not be accurately identified as currently reported, deletion is the only appropriate remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I attempted to make XXXX credit card payments using a bank account that was linked and verified through Coinbase 's own Plaid integration both on XX/XX/XXXX for a balance of {$8000.00}, and XXXX days ago for the total balance of over {$9100.00}. Both payments were reversed, and are logged as late, and now the card is suspended and labeled as " delinquent ''. I have never had a late payment in my life, not in cash, check, and credit. I was never notified about a payment reversal from coinbase in a manner that showed on my phone. Coinbase claims the account number was incorrect, but this account had previously been used to successfully transfer funds into Coinbase 's own banking system without issue. I made no changes to my banking information at any point. I contacted Coinbase support and was routed to an AI chatbot that was unable to process my payment or escalate my dispute. When I reached a human agent, no resolution was provided. When told I was transferred, the calls were hung up, XXXX now. Their AI bot also refused access and aid in a timely and appropriate manner. Their chat support agent continued to state promises of resolution. It is nearing an hour. I am now being charged {$25.00} in late fees for payment failures caused entirely by Coinbase 's internal systems, and my credit standing standing at XXXX years with no late payment, ever, is now compromised. I have spent my entire morning on a chat log with no resolution. I am being told by the chat support person that this is wrong, they transfer me to a phone. I get on the phone, I get told to transfer. They transfer, the phone hangs up and I repeat. It has been rinse and wash with no concrete or fair resolution in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a prepaid credit card with Citibank in XXXX. I made a security deposit of {$500.00} and an additional prepayment to the credit card of {$500.00}. I used that card for about a year before the account was suddenly closed without notice. I was not refunded my {$500.00} deposit or the remaining balance on my account. In XXXX I attempted several times to gain information about my account closer and regain my property. XXXX, I went in person to Citibank in person ( XXXX XXXX branch ) and asked for information. I was told to call their XXXX help line. I tried calling XXXX recommended helpline multiple times. Each time I was transferred to several different people who provided no information. I was put on hold for an hour or longer each time. I attempted to email Citibank to ask for information and received no response. I went in person to Citibank 's XXXX XXXX location again, and was once again told to call the XXXX hour helpline. I was told about Citibanks XXXX XXXX XXXX and have sent an email requesting information. I am waiting their response.

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 2026-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AmeriCash Holding LLC
State: WA

Complaint narrative:
So I have received multiple emails about a loan in which " I '' have taken out. They say it was a payday loan for the amount of {$1500.00}. 1. I have never received any such loan or any loans in general because my credit isn't good due to identity theft. 2. I've check all my bank accounts presently and past for any such dollar amount from said company above. Never gotten any such loan. 3. I have never been approved for any loans. Now it has escalated to the point of I am being threatened for jail time or prison time, for my credit to be impacted negatively,, charged a lot of different charges i.e more money I will have to pay. It's been constant harassment with this. Here are some out of the couple of XXXX dates in which I've received emails about this situation. I should not that I have replied to the emailer. I stated that in which they can provide the evidence that this is my debt, if they can show which bank account, my signature on the actual form in which I would be required to fill out, provide the date and the bank account it was deposited in. Then I would be more than happy to acknowledge the debt. I told them that it's harassment that they are doing, stated that debt collector 's are not allowed to contact anyone about a debt. Then asked them if they couldn't provide any of the information I asked for then they needed to stop or legal actions would be taken. I don't want to out all the dates I've received emails from them. But I have one from as far back as XXXX XXXX. I want it to stop, if it is something that is proven to be true then I would like to see the evidence against me If it's found out that they are phishing, the. I would like to press charges against who ever these people are. For multiple reasons. I've attached a copy of the email I will not be replying to there emails any more. I would like your help Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, I deposited my paycheck from my employer into my Capital One 360 checking account. A few business days later, I noticed that, despite my employer stating that the check had cleared on Capital Ones end, Capital One did not deposit any of the amount from my paycheck into my XXXX Checking Account. I visited my Capital One XXXX branch to speak with a representative in-person to resolve the issue. The representative phoned corporate, who denied my attempt to access my deposited funds because they claimed that I they were not able to verify my identity, even though I was able to provide proof that I am the account owner via XXXX ) logging into my Capital One accounts on my cell phone and XXXX ) providing genuine, original copies of my Social Security card / number and California Birth Certificate. After conducting research, I discovered that by denying me- the account holder - my funds, Capital One had committed a violation of XXXX Regulation XXXX ( XXXX XXXX XXXX ), which states that banks are required to make {$270.00} from my deposit available by the next business day. A full business week has elapsed since I deposited my paycheck and none of the original funds, {$0.00}, have posted to my account despite my attempts to resolve the situation in-person. Ultimately, * Capital One has failed to provide me, the account holder, with a Notice of Hold statement * in writing, as mandated by XXXX XXXX, explaining the exact reason why they are denying me the {$270.00} deposit that I am entitled to under XXXX Law. Capital One has continually refused to assist me in resolving this matter and the fact that they are fully withholding a payroll check that has been verified by my employer, a highly state-regulated corporate entity, is not only extremely concerning but demonstrates Capital Ones willingness to not comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase XXXX account was locked and outgoing wire transfer cancelled along with other transaction cancellations despite the fact that the funds were available and balance was sufficient for these transfers. When contacted, they insisted I verify my identity by sending me a notification to my phone, through the Chase app from which they just locked me out, prompting a circular verification process which simply didn't work because I was locked out. They claimed there's no other way to verify my identity. When they eventually verified my identity they still refused to unlock my account or let me speak to anyone who can solve the problem or explain why my account and all the funds in it were locked. Customer support endlessly reading the same script and not listening or trying provide support or solve the problem or attempt other means of verification.

Company response to consumer: Closed with explanation