vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: DE

Complaint narrative:
I am submitting this complaint due to concerns regarding SoFis dispute resolution practices, lack of transparency, and the closure of my account while an active dispute remains unresolved, which I believe may constitute retaliatory action.

I have maintained a SoFi checking account since XXXX. During this time, I have used the account regularly, including receiving multiple direct deposits from my employment, conducting routine banking transactions, and maintaining ongoing account activity. This account has functioned as a primary banking relationship rather than an inactive or limited-use account. 

Since opening the account, I have submitted four ( 4 ) disputes related to debit card transactions. Of those four disputes, only one was approved. The remaining disputes were denied ; however, in each instance, SoFi failed to provide meaningful documentation, evidence, or a clear explanation of how the investigations were conducted.

When I requested information regarding how these disputes were reviewed or what evidence was relied upon, I did not receive documentation or substantive responses. This has made it difficult to understand or challenge dispute determinations. 

On XX/XX/XXXX, I submitted a dispute via SoFis chat support regarding an authorized transaction for items not received from a merchant ( XXXX XXXX XXXXn the amount of {$360.00}. SoFi later acknowledged the dispute and indicated that the investigation began on XX/XX/XXXX. 

As of today, more than 50 days have passed since the dispute was filed, and I have not received a resolution, final determination, or clear status update regarding whether the merchant responded or how the investigation is being handled.

While this dispute remains open and unresolved, SoFi sent me an email notifying me that my account will be closed on XX/XX/XXXX. This communication did not address the pending dispute, nor did it explain how the dispute would be resolved or how any refund or credit would be issued if the dispute is decided in my favor. 

Closing an actively used account that receives direct deposits while an unresolved dispute remains pending creates uncertainty regarding access to funds and preservation of consumer dispute rights. 

Given that : My account has been active since XXXX I have used the account regularly, including receiving direct deposits from employment I have submitted four disputes over that time period Only one dispute has been approved Disputes are routinely denied without documentation or explanation Requests for investigative details go unanswered My account is now being closed during an unresolved dispute I am concerned that the account closure may be retaliatory in nature or otherwise connected to my dispute activity, rather than based on transparent or fair account management practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint to dispute inaccurate and/or unverifiable information appearing on my Experian credit report. I am a consumer actively working to repair and maintain accurate credit reporting, and these items are negatively impacting my creditworthiness.

Charged-Off Accounts XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX  Reported as charged off with a date of XX/XX/XXXX and a balance of {$0.00}. 
This account is obsolete and/or inaccurately reported. If Experian can not fully verify the accuracy, completeness, and legal reporting period of this account, it must be removed pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

XXXX XXXX XXXX Account ending XXXX XXXX XXXX  Reported as charged off with a date of XX/XX/XXXX and a balance of {$0.00}. 
This account information is inaccurate and lacks proper verification. I am requesting full validation or deletion. 

Late Payment Reporting XXXX XXXX XXXX XXXX Account ending XXXX XXXX * Late payment history is being reported inaccurately. I dispute the accuracy and completeness of this payment history and request verification. 

XXXX Account ending XXXXXXXX XXXX XXXX  Reported late payment dated XX/XX/XXXX with a balance of {$0.00}. 
This reporting is inaccurate and does not reflect correct payment history. Please verify or remove.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting a formal complaint regarding my Wells Fargo credit card promotional APR. 

On XX/XX/year> I was offered a 12-month 0 % APR extension during a call with Wells Fargo and instructed to call back after 48 hours to complete it. Based on that guidance, I made a {$1500.00} payment immediately. 

When I called back on XX/XX/year>, I was told the offer was not visible. I spoke with XXXX XXXX ID # XXXX who stated a complaint/escalation would be submitted, but I was not provided a reference number. 

I am requesting that Wells Fargo review the call recording, document my account accordingly, and honor the original offer or provide an equivalent APR solution, as the payment was made in reliance on information provided by Wells Fargo. 

I am seeking resolution before interest accrues.

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 2026-01-07 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: CA

Complaint narrative:
" I reported a fraud claim on XX/XX/year> for unauthorized transaction in my Bank of America checking account, including XXXX XXXX XXXX, {$46.00} XXXX XXXX  refund, {$520.00} XXXX  ( No refunds received ), {$100.00} XXXX, and {$40.00} XXXX XXXX 
The bank denied my claim and is insisting I reopen it as a new claim, which is not legally required. I am requesting immediate provisional credit and full investigation of the original claim based on the XX/XX/year> report date.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Mercury, a financial technology company providing business banking services. 

My Mercury business account ( associated with the email XXXX ) was closed without prior notice or a clear explanation. Mercury has stated that the closure was due to a Terms of Service violation, but no specific reason has been provided despite my requests.

More importantly, Mercury has informed me that the funds remaining in my account will be placed on an indefinite hold, with no timeline given for review, release, or return of the funds. 

I am an XXXX seller, and the account was used solely to receive legitimate XXXX marketplace payouts. All funds are from lawful business activity, and I have not engaged in any fraudulent or prohibited conduct.

I respectfully request : 1. Clarification of the basis for holding my funds indefinitely, and 2. A clear timeline for the release or return of my funds.

Thank you for your assistance. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: NY

Complaint narrative:
On XX/XX/XXXX, I authorized a transaction on my Capital One credit card that was presented as a standard purchase. During the authorization and confirmation process, Capital One did not display the transaction type ( e.g., purchase or cash advance ), and no disclosure was provided indicating that the transaction would be treated as a cash advance. The authorization page showed only the final transaction amount and did not disclose any cash advance fee or immediate interest. 

After the transaction was completed, no cash advance fee was shown at that time. 
Only after the transaction was posted to my account did Capital One classify the transaction as a cash advance and apply a cash advance fee and immediate interest. 

I contacted Capital One customer support to request clarification. A Capital One representative stated that the bank applies and discloses cash advance fees only after a transaction is posted, and that no disclosure is provided prior to authorization. The representative further stated that disclosure of cash advance transactions exists only in the card agreement.

Disclosure after posting does not meet the requirements for clear, conspicuous, and timely disclosure before a consumer becomes obligated. I did not provide informed consent to a cash advance. 

I am requesting reversal of the cash advance fee. Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: IN

Complaint narrative:
I had XXXX on XX/XX/year> and was off work for a month recovering. During my leave, I was supposed to receive 67 % of my paycheck, but that did not happen. The doctors office delayed submitting my paperwork, which caused my payments to be held up. When I finally received a payment two weeks later, it was only half of what I was supposed to receive. By that time, I was already struggling financially, behind on my bills, and my bank account was in the negative. 

I contacted my car loan company to explain the situation, but they told me I no longer qualified for any assistance because I missed my XXXX payment. I had already informed Prestige Loan about what happened, yet the representative I spoke with today repeatedly brought up the missed payment and implied that I simply failed to pay. I would have had the funds if the delay with my leave payments had not occurred. 
Now they are demanding an amount that I can not afford. They want nearly {$500.00} immediately, and then over {$700.00} per month for the next three months. I explained that this is not financially possible for me, but they insisted it was my only option. Their unwillingness to work with me makes it seem as though they would rather repossess my car than help me find a reasonable solution. 

Additionally, I spoke with someone last week and made payment arrangements. Despite that, the company began calling me XXXX times a day for the past few days. When I called back to ask why, they claimed the representative I spoke with never documented the arrangement and told me I would need to set up new terms. It feels like the original representative may have offered something they werent supposed to, and now the company is trying to cover themselves by pressuring me into payments I can not afford.

I have recordings of all my conversations, including the one where I made the original payment arrangement. The stress from their constant calls and the way I was spoken to upset me so much that by the time I got home, I had a severe headache and my XXXX XXXX was elevated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> I suddenly became unable to log in to my account on the web because Chase repeatedly asked me to verify my identity. To resolve this, I called Chase four times : First call ( acceptable ) : Customer service provided me with a verification code, and I was able to log in successfully. Both the agent and I believed the issue was resolved. However, after logging out and attempting to log in again, the same problem reoccurred.

Second call ( bad minor complaint ) : I explained the issue again, received another verification code, and logged in successfully. Shortly afterward, Chase locked my account for an unknown reason. The agent then transferred me to another representative to unlock it.

Third call ( bad moderate complaint ) : The agent helped unlock my account, but immediately afterward, I was sent back into the waiting queue without any explanation or resolution.

Fourth call ( horrible experience ) : At first, the agent told me there was a system-wide issue at Chase and claimed that no one could complete account verification. He said he had already opened a ticket and asked me to hang up. After I explained my situation in detail, he helped me obtain another verification code, allowing me to log in again. However, as before, logging out and re-logging in caused the same issue. He made no effort to investigate further. Eventually, he noticed that I had recently updated my phone number and simply told me to wait a few hours, believing the problem would resolve itself.

Overall : The system appears fundamentally broken. The representatives focus only on resolving the simplest, immediate issues, and as long as the problem does not remain in their scope, it is treated as resolvedeven when the core issue persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am an active-duty Service member submitting this complaint regarding my auto loan with Regional Acceptance Corporation XXXX 



I purchased the vehicle prior to entering active-duty military service. After I had been on XXXX XXXX for approximately one-year, Regional Acceptance Corporation repossessed my vehicle without obtaining a court order.

Under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3952, a creditor is prohibited from repossessing a vehicle purchased prior to active-duty service without first obtaining a court order, regardless of payment status. No court order was sought or issued prior to the repossession of my vehicle. 



Following the repossession, I made multiple requests to Regional Acceptance Corporation for basic and legally required documentation, including but not limited to : Proof of a court order authorizing the repossession Auction or sale documentation for vehicle A complete accounting of the loan balance How the proceeds of the sale were applied The current amount allegedly owed An itemization of interest, fees, and charges Regional Acceptance Corporation refused to provide this information, leaving me unable to verify the validity of the debt or how the balance was calculated. 



Additionally, I am requesting a review of my account to determine whether : Any interest charged during my active-duty service exceeded SCRA limits Any interest, fees, or charges should be reduced or eliminated Any overpayments or improperly collected amounts are owed to me as a refund

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In early XX/XX/2026, Capital One notified me by email that my personal checking account would be closed. The notice stated that the closure was due to account activity that was inconsistent with typical customer usage, but no specific explanation or examples were provided, and there was no prior warning. I contacted Capital One customer service by phone to request clarification and was told that no additional information could be given. I used the account for normal personal banking activity. Before the stated closure date, I transferred the remaining balance ( approximately {$200.00} ) to another financial institution. I am requesting a written explanation for why my account was closed without prior notice or specific reasoning, and confirmation that my account was closed in good standing with no negative reporting to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a written debt validation request to the collection company via certified mail under the Fair Debt Collection Practices Act ( FDCPA ). The letter was delivered and received on XX/XX/year>, as confirmed by XXXX. 

Despite receipt of my written dispute, the company failed to provide any validation of the alleged debt. No documentation has been mailed to me showing proof that the debt is owed, proof of the amount, or proof that the company has the legal right to collect or report the account. 

In addition, after receiving my written dispute, the company continued collection activity by placing repeated phone calls and leaving voicemails on multiple dates after XX/XX/XXXX. 

As of today, no validation has been provided, yet the collection activity continued and the account remains reported. I am requesting that the company cease all collection activity and delete the account due to failure to comply with the FDCPA.

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 2026-01-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Figure Technologies, Inc
State: FL

Complaint narrative:
They automatically charge me for hazard insurance after I had send them proof of insurance which BTW was a requirement to get the loan. In my view, this is robbery, cause is autopay, so without even contacting me they started stealing from me. They should be jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: CITIBANK, N.A.
State: WA

Complaint narrative:
In XX/XX/year>, unauthorized charges were made on my Macys credit card account issued by Citibank. I did not make or authorize these transactions. 

After discovering the charges, I promptly reported the fraud to the company and submitted a formal dispute. I cooperated fully with the investigation and provided all requested documentation. On XX/XX/year>, the company notified me in writing that my fraud claim was denied and that I was held responsible for the charges, without providing supporting evidence or a detailed explanation of how the transactions were determined to be authorized. 

The disputed balance, approximately {$930.00}, was then referred to a third-party debt collection agency. My attorney sent a formal demand letter to the company requesting clarification and documentation supporting the denial, but the company did not respond. 

Despite repeated attempts to resolve this matter, the company failed to reasonably investigate my dispute or provide the information requested, and collection activity continued on a debt resulting from identity theft.

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 2026-01-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was a victim of XXXX XXXX XXXX. The amount in {$630.00} was used on my old credit card ending in XXXX. The event took place on XX/XX/year> at my home address XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX. The time the incident happened was at XXXX XXXX. I filed a police report as well and I am currently waiting to hear back from a detective. I did receive an email of what was purchased with my credit card which I do not authorize and I contacted the merchant immediately letting them know that I did not make the purchase.

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