vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: AK

Complaint narrative:
I am the victim of a sophisticated, long-game impersonation scam in which a fraudster posing as a representative of a legitimate business earned my trust over an extended period before inducing me to wire {$4100.00} on XXXX XX/XX/XXXX from my XXXX XXXX XXXXXXXX XXXX account to a SoFi Bank , N.A. account held under the fictitious identity of " XXXX XXXX, '' address XXXX XXXX XXXX, XXXX, Pennsylvania XXXX an address at which this individual does not reside. This complaint concerns SoFi Bank 's negligent account onboarding practices that allowed this fraudulent account to be established in the first place, and SoFi 's failure to respond to my subsequent fraud report. Upon recognizing the fraud, I immediately initiated a wire recall and reported the fraud to both XXXX and SoFi Bank. I have since filed a report with the FBI Internet Crime Complaint Center ( IC3 ), filed a local police report, and notified the legitimate business that was being impersonated. SoFi Bank has not responded to my fraud report despite multiple attempts at contact. The fraudulent account that received my funds appears to have been opened using a fictitious or misappropriated identity with an address that does not correspond to the account holder 's actual residence a deficiency that adequate Customer Identification Program ( CIP ) controls should have detected. This concern is not speculative : on XX/XX/XXXX, FINRA issued a Letter of Acceptance, Waiver and Consent ( AWC ) against SoFi Securities finding that SoFi 's automated account-opening process approved accounts despite invalid names, non-existent addresses, and high-risk contact information, resulting in approximately 800 fraudulent accounts and {$8.00} million in unauthorized transfers. FINRA found SoFi failed to establish and maintain a program reasonably designed to verify customers ' identities under its CIP obligations and Regulation S-ID. SoFi paid a {$1.00} million fine and accepted censure. The account that received my {$4100.00} reflects the same pattern of deficiency. My own investigation has revealed additional evidence of this scammer 's pattern. Through independent internet research, I identified at least two other individuals who were defrauded by the same individual using the same or similar methods, and who report the scammer opened accounts at other financial institutions as well. This suggests a coordinated, multi-platform fraud scheme that SoFi 's KYC controls failed to detect or flag despite available indicators.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: MN

Complaint narrative:
I am filing a complaint regarding federal student loan credit reporting by XXXX/U.S. Department of Education. My federal student loans associated with XXXX XXXX XXXX are covered under the XXXX XXXX XXXX XXXX XXXX settlement agreement. I received official written notice from the U.S. Department of Education confirming that my loans are scheduled for discharge and that the credit report tradelines associated with the discharged loans are to be deleted. Despite providing supporting documentation and disputing the reporting directly with XXXX, I received a response stating that the accounts would continue to be reported. These accounts remain reported as active balances under DPT EDXXXX and continue to negatively impact my credit profile and mortgage readiness while pending mandatory discharge under the settlement agreement. I am requesting : deletion of the affected student loan tradelines removal of any associated negative reporting correction of inaccurate reporting under the Fair Credit Reporting Act ( FCRA ) Attached are : my XXXX XXXX XXXX settlement notice Aidvantage dispute response supporting credit report documentation I am requesting prompt review and correction of this reporting.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am writing regarding the unauthorized transactions and disputes associated with my Chime account. My phone was stolen, and it contained my card information along with other private and sensitive information. As a result, I was scammed out of a significant amount of money. One of the financial services affected was Chime. After discovering the theft and fraud, I immediately took action by getting a new phone, filing a police report, and submitting that report to Chime multiple times in support of my disputes. I have filed approximately four disputes regarding these unauthorized transactions. During the second dispute, Chime only reimbursed me {$430.00} out of the total {$1600.00} that was fraudulently taken. I then filed another dispute, including an additional police report, for the remaining {$1200.00} that I am still owed. In addition, I personally called and spoke with a Chime manager and even added the police officer handling my case onto the phone call so she could provide further information regarding the fraud investigation. The manager stated that she would leave detailed notes to help support and approve my case ; however, my disputes have continued to be denied. I have repeatedly requested an explanation and proper proof as to why my claims were denied, but I have not received any sufficient documentation or evidence. Chime informed me that they would provide the information used in their investigation, yet the denial letters I received do not appear to comply with the requirements and guidelines set forth under Regulation E. I believe my case has not been properly investigated, and I am requesting a full review of my disputes along with reimbursement of the remaining {$1200.00} owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
They keep calling my employer over and over everyday need to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
On XX/XX/year> I attempted to access " XXXX '' via the MoneyLion app. The process was very confusing, and I ended up transferring {$190.00} from my checking account to a XXXX account by mistake. There was no confirmation or undo step on the app. I didn't realize I'd debited my own account until the next day when I noticed the funds were missing from my account. When I attempted to transfer these funds back, the Money Lion app explicitly stated the funds would not be available until XX/XX/year>. However the company failed to meet this deadline, and the funds were not actually released until XX/XX/XXXX. In total, it took 7 days for the company to provide access to my own funds. this delay, combined with the lock of a confirmation or 'undo ' step during the initial accidental transfer, caused significant and unnecessary financial friction. Because the funds were held for 7 days and did not arrive by the promised XX/XX/XXXX date, I was forced to use a 'one-time grace extension ' on my personal bills to avoid late fees, credit impact, and interruption of services. MoneyLion 's failure to provide timely access to my money directly resulted in the loss of this one-time financial protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, the business closed the account without my awareness, nor consent. They only sent me an email that was really vague as to why they closed unexpectedly. I then called the business, was put on hold for 38 minutes and was told by the phone Agent that I needed to speak to a supervisor because it was a " business decision ''. I was then put on hold for an additional 23 minutes and the female supervisor stated that they didn't " need a reason to close the account '' and that they have the right to close it at any point with no explanation. I then told the supervisor that was unfair business practice and there are federal consumer rights against those retaliation actions. The supervisor then advised that the reason was because of the disputes against the merchant XXXX XXXX XXXX. I then reminded her that the merchant advised me to open the disputes with American Express since they were invalid and that I had nothing to do with them and that I provided American Express the emails from the merchant instructing to open the disputes. The supervisor did not seem to care and opted to not comment on the matter, told me to submit a new application to re-activate the account and then abruptly hung up the phone. I then submitted the application as the supervisor requested to reinstate the account. However, the customer service department said they denied it and apologized for any inconvenience. I asked why they denied if the supervisor said they would re-open it. The phone Agent said she didn't know and that it was a " business decisio. '' I then reminded her what the supervisor said about submitting the application for it to be reinstated. The phone Agent then laughed and abruptly hung up the phone. Based on the attached vague emails and unprofessional phone calls, I believe the business has acted in bad faith and violated federal consumer rights by wrongfully closing my account, not providing a valid reason to closing it and not completing what the supervisor promised of re-opening the account to fix the issue. Attached are the emails from the business wrongfully closing the account and the emails from the merchant regarding the disputes that the supervisor stated on the recorded phone on XX/XX/year> were the reasons for closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
You can submit something like this to the [ Consumer Financial Protection Bureau Complaint Portal ] ( https : //www.consumerfinance.gov/complaintXXXXXXXX XXXXXXXX ) regarding [ Navy Federal Credit Union ] ( XXXX XXXX XXXX XXXX ). I am filing a complaint regarding the closure of my account by Navy Federal Credit Union after nearly a decade of banking history, despite my efforts to resolve the issue in good faith and provide supporting documentation. My account was closed after I deposited and cashed a work-issued check that was later determined to be expired/stale-dated. At the time I deposited the check, I had absolutely no knowledge that the check had expired. Navy Federal initially accepted and cashed the check, and only afterward reversed the funds because the check was considered outdated. As soon as I became aware of the issue, I immediately contacted my employer. My employer acknowledged the situation, took responsibility, and issued me a replacement check. I then submitted an appeal to Navy Federal along with documentation and proof showing : * the check was a legitimate payroll/work check, * the issue was simply that the original check had expired, * my employer corrected the matter and reissued payment, * and there was no fraud, deception, or intentional wrongdoing on my part. Despite this, Navy Federal still chose to permanently close my account without providing a fair or reasonable explanation. I had been a customer for nearly ten years and maintained my account in good standing prior to this incident. I believe Navy Federal acted unfairly by : * closing my account despite evidence proving the situation was an honest mistake, * failing to reasonably consider my appeal and supporting documentation, * and effectively penalizing me for an issue that was corrected by my employer. This closure has negatively impacted my banking stability and financial access. I respectfully request that CFPB investigate this matter and require Navy Federal to provide : 1. A detailed written explanation for the account closure decision. 2. Documentation supporting why my appeal was initially denied. 3. A review of whether proper procedures and fair consumer practices were followed. 4. Consideration of reinstating my banking relationship or correcting any negative internal reporting associated with this incident. I acted in good faith at all times and promptly resolved the issue once notified. I do not believe permanent account closure after nearly a decade of membership was justified under these circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: NY

Complaint narrative:
On XX/XX/year> XXXX charges were made to a card issued in the name of my spouse XXXX XXXX, please see credit card statement attached. In addition to these XXXX charges a fourth charge was made to the card from the same merchant but was declined by the Citi card administrator. Upon review of these XXXX charges I initiated a fraud alert with Citicard and disputed the charges which we never made. We've never purchased any goods from either of these retailers. Please note while XXXX XXXX has authorization to use the card ending in XXXX, she never uses it since it is only for emergencies. These fraudulent charges were the only time this card was used! This fact was also reported to Citi. As you can see from the notice Citi sent for more information that was answered, and from the final disposition they are denying fraud since they stated ; " The cards XXXX chip was used to make the disputed transactions at a chip enabled card reader. '' And that we verified the card was in our possession when the transaction occurred. I'm certain that you will agree there's virtually no way a card could be presented in XXXX PA 2 times then presented same day at XXXX Illinois? XXXX closed the fraud inquiry and is now looking for us to pay for the {$1100.00}, which is clearly fraudulent. If not fraudulent why did Citi decline a XXXX transaction on the same day from the same vendor and how can the card be presented at XXXX PA and XXXX Illinois on the same day. Please assis us in resolving this matter with Citi. They have declined any responsibility!

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am submitting this complaint regarding changes made to my Wells Fargo checking account that resulted in approximately {$70.00} in service fees before I became aware of the changes. According to Wells Fargo, notice of the account changes was provided in small print at the bottom of a monthly account statement. After contacting customer service and escalating the matter to Executive Support, Wells Fargo determined that it had fulfilled its obligation to notify me and declined to fully reimburse the fees. The bank only provided courtesy refunds totaling {$25.00} ( {$15.00} and {$10.00} ), leaving the remaining fees charged to my account. I do not believe this was adequate or reasonable notice for a material change to a consumer checking account, particularly a change that directly resulted in recurring monthly fees. In my experience, banks typically provide clear and separate notifications when account terms are changing, especially when those changes could impact fees or account requirements. A dedicated letter, email, secure message, or clearly labeled notice would have appropriately alerted customers to review and respond to the changes. Instead, the information was embedded in fine print within a routine monthly statement. Customers primarily use account statements to review balances and transactions, not to search for important contractual changes hidden within the document. Had the change been communicated clearly and prominently, I would have immediately taken action to avoid these fees. This communication method feels misleading and predatory because it appears designed in a way that many customers could easily overlook. When fee related changes are quietly placed in statement fine print instead of being communicated through a direct and obvious notification, it creates the impression that the bank benefits financially when customers miss the information. Across a large customer base, this type of communication practice could generate substantial fee revenue from customers who were not meaningfully aware of the changes. I had been a Wells Fargo customer for approximately XXXX years and intended to continue banking with them. I generally enjoyed the convenience of the bank and having a branch near my local grocery store. However, due to the ongoing monthly fees and concern that additional {$15.00} charges would continue, I ultimately felt forced to close my account. I would have easily made the proper changes to not be charged the service fee if I had known and properly been notified

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 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
i sent EWS a letter telling them the negative remarks they have is a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WV

Complaint narrative:
Cashapp closed my account stating that I violated their terms of use. I requested specific transactions and they refused to give those to me. I had to cancel my card due to fraudulent transactions and then all of a sudden my account was closed. Now not only can I not access my account but I can not access the taxes that I have filed with them for the past 10 years or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Bank of America gave me a deadline to provide relative 's death certificate by XX/XX/XXXX. I have followed up with questions regarding clarifications on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX with no response. This is a time sensitive matter since the check will expire if the issue won't get resolved.

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 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
I do not know none of these agency collectors CAVALRY PORTFOLIO SERVICES, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX... I have never conducted business with these Agencies. I did not open these accounts, I did not authorize these accounts. I did not authorize any person to use my identifying information to create, transfer, collect, and/ or report these alleged accounts. I request for these accounts to be blocked and deleted from all of my 3 credit report bureaus Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: NY

Complaint narrative:
Late payments occuring between XX/XX/XXXX and XX/XX/XXXX were due to a family hardship following my father 's medical diagnosis in XX/XX/XXXX. During this time, I transitioned to a local role to provide the necessary care. This transition let to a temporary disruption, which has since been full resolved through a loan supplement. I have maintained a stable career and perfect payment history since the adjustment, and I am committed to long-term financial stability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Rocket mortgage started charging me a late fee of {$15.00} a month approximately two years ago. I didnt notice until now and when I contacted them they had no answers and suggested that I file a complaint. I have been enrolled in autopay and never missed a payment and it also states on their website that using autopay guarantees you will not have late fees.

Company response to consumer: Closed with explanation