vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a new complaint regarding inaccurate and inconsistent reporting of a Capital One account on my credit report. This is not a duplicate issue. My concern is not account ownership, but the accuracy and consistency of the reported information. I have identified discrepancies in the reporting of this account, including incorrect and inconsistent dates across credit bureaus. Despite this, TransUnion has refused to reinvestigate the account, stating it was previously reviewed, without addressing the inaccuracies. Under the Fair Credit Reporting Act, information reported must be accurate and complete. Reporting inconsistent or incorrect data, and refusing to conduct a reasonable reinvestigation, does not meet these requirements. I am requesting that this account be properly reinvestigated for accuracy and consistency, or removed if it can not be verified with complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
My name is XXXX XXXX, all I need right now is help about some unauthorized transaction charge on my account which I dont know the purpose of the charge which have been deducted from my account, i see this as a big mistake for me to be banking with chime. This charge started taking out from my account this month to a different names which I dont know and never had any business with them. I just realized that this process perform for those moment I was not able to login into my account because my phone screen stop displaying. So I have to wait till my social security got posted on my account end of the month. I was not able to login into my account to know what exactly happen on my account. And since I received payment from government ending of the month i have to try my card to withdraw and the error message i got is insufficient, This make me reach out to my Son in Florida to get me a phone. So I had to buy the phone yesterday and when I login into my account thats when I see a lot of transactions have been performed on my account and this make me sad because i never experience this in my life. My landlord has to kick me out because I havent pay my rent, because I use to pay my rent out of my social security check. All I need right now is help so I can get my money back from this people. And the only person I suspect is chime agent who reach out to me that I won a bonus for being a valid loyal member of chime cardholder, The agent told me I won a bonus of {$1000.00} because chime is doing Sweepstakes Bonus and I was select to be among the winners. If I could remember he contact me on XXXX which is last month, He told me before the bonus will be posted on my chime checking account Ill have to verify my information, and the purpose of the information is that nobody will able to claim my bonus except only me. He send me a link to tap on so Ill have to fill up my information. So I started curious about this and immediately he sent me his identification card for being a chime agent and this made me trust him. The link direct me to a page where to fill my information such as : My usernamXXXX, My XXXX Password Last 4 ssn Pin Mailing Address Phone number Screenshot of the exact balance on my checking account. Immediately I done confirm my information I got a code received and the agent told me I should put the code on the link and Ill have to wait for 24 hours before the bonus reflect on my account. Since then I couldnt able to reach him again. All I need right now is help because I need to pay my rent and medical bill. I dont want to be on the street because the cold is too much for my health and people were dying everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I didn't make any cash withdrawal but they saying I withdraw I was there in other place on the same time and I raise a complaint that my card was loss and they are charging interest as well my credit csxore also went down.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am filing this complaint because Jefferson Capital continues to report a collection account that I do not believe has been fully verified. I disputed this account with the credit bureaus, but it was verified without sufficient documentation. I requested proof that Jefferson Capital owns the debt, the original creditor information, the original contract, the payment history, the balance history, the date of first delinquency, and documentation supporting the reported amount owed. Jefferson Capital did not provide sufficient documentation proving that the debt belongs to me, that it has the legal right to collect the debt, or that the account is being reported accurately. This account continues to negatively affect my credit report. I am requesting that Jefferson Capital provide full documentation supporting the debt and its reporting. If the company can not fully verify the account, I want the collection removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On or about XXXX XXXXXXXX XXXX I ported my number from XXXX XXXX XXXX ( XXXX XXXX ) to XXXX ( XXXX XXXX ). I use my mobile # as well as my email as XXXX ( XXXX XXXX XXXX based out in XXXX AZ 's product ) to send or receive money. It seems something happened. During this porting- it seems for almost 7 days or so my XXXX handle - mobile # was not working. But neither Sofi nor XXXXXXXX XXXX XXXX notified that my XXXX handle related to my mobile is working. On or about XXXX XXXX XXXX XXXXXXXX of my tenant tried to send me more than {$1600.00} but repeatedly failed. I reached out to Sofi and tried to confirm- is my XXXX working or not? Sofi has shamelessly outsourced all their work it seems. Sofi 's Customer Service Representative XXXX XXXX who had a birthday on that day ) - after checking told yes your XXXX is working fine. He should have checked my zelle email handle as well as XXXX phone # handle - both not just email. Most probably I don't think he was knowing what he was talking about? I tried sending two trial XXXX from another bank account of mine via phone #- it went fine - means didn't failed. Later I got a very angry tenant who is yelling and screaming on me over the phone as she had been trying for the last 3 or 4 hours to send the money. She tried XXXX and then XXXX XXXX and in fact tried to get help from her sister 's account. Sofi 's XXXX 's response was so confident that it let me believe that my XXXX is working fine. But my tenant became so upset that she never paid me the remaining amount. She just moved in less than XXXX weeks back. Totally new relationship and whatever help I had offered- it is totally ruined beyond the repairs due to this kind of mishap. I have no idea - how come Sofi can have this kind of Customer service representative? Why sofi- which is a technology company never sent a notification that customer 's XXXX is not working for days?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I sent a formal debt validation letter via XXXX XXXX Mail on XX/XX/year> to XXXX XXXX XXXX. The letter was delivered on XX/XX/year>. It has been over XXXX and I have received no response from the company. They are reporting a charge-off balance of {$3800.00} on my credit report. They have failed to provide any validation of this debt, any accounting of vehicle resale proceeds, or any explanation of the reported balance. I am requesting the CFPB investigate this company 's failure to respond and their potentially inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SettlementOne Valuation, LLC
State: NC

Complaint narrative:
I did not authorize anyone to access my credit file, and I did not apply for any new credit. Any inquiries made without my permission may constitute violations of the Fair Credit Reporting Act, including obtaining a consumer report without a permissible purpose under 15 U.S.C. 1681b and false pretenses or unauthorized access under 15 U.S.C. 1681q. If my personal information was used by another party, such conduct may also implicate identity theft and fraud statutes. These inquiries appear to be the result of fraudulent use of my personal information or may be connected to a recent data breach. I request an immediate investigation, written verification of the permissible purpose for each inquiry, and removal of all unauthorized inquiries from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Company : Midland Credit Management , Inc . Account Number : XXXX Original Creditor : XXXX Bank / XXXX Background : I have been disputing this debt with Midland Credit Management since XX/XX/XXXX. On XX/XX/XXXX, I sent a direct dispute letter requesting verification of the alleged debt, including a signed contract and chain of title. On XX/XX/XXXX, I sent a follow-up dispute specifically requesting : ( 1 ) a signed contract or application bearing my signature, ( 2 ) the purchase agreement between XXXX Bank and Midland showing my specific account number, and ( 3 ) proof of Midland 's license to collect in Washington State . Midland 's Response : Midland responded with a letter dated XX/XX/XXXX ( copy attached ). Their response included a letter from XXXX Bank stating the debt was sold on XX/XX/XXXX and monthly statements. However, Midland did NOT provide : Any signed contract or application with my signature The purchase agreement/bill of sale showing my specific account Proof of license to collect in Washington State Specific Violations : FCRA 623 Violation ( 15 U.S.C. 1681s-2 ( b ) ) : As a data furnisher, Midland received my direct dispute and is required to conduct a reasonable investigation. Monthly statements alone do not verify ownership or my contractual obligation when I dispute the existence of a signed agreement. Midland has failed to provide the documents necessary to verify this debt. FDCPA Violation - Time-Barred Debt : Under Washington law ( RCW 4.16.080 ), the statute of limitations for debt collection is 3 years. My last payment was XX/XX/XXXX, making the limitations period expire on XX/XX/XXXX. Midland is attempting to collect a time-barred debt without clearly disclosing that they can not sue me to collect it, which is misleading under the FDCPA. Failure to Provide Validation : Under Regulation F ( 12 CFR 1006.34 ), debt collectors must provide validation information including an itemization of the debt. Midland has not provided documentation sufficient to verify I owe this debt. Relief Requested : I request that the CFPB require Midland Credit Management to : Delete the account from all three credit reporting agencies ( XXXX XXXX XXXX ) Provide the requested documentation ( signed contract and purchase agreement ) or cease all collection and reporting activities Correct any inaccurate information they are furnishing about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
My last complaint was closed before I could respond with the alleged response shows many critical inconsistency from PayPal I have reviewed your response submitted to the Consumer Financial Protection Bureau, and I formally dispute your conclusions. Your response contains several critical inconsistencies : * You acknowledge that my claim was initially accepted due to unauthorized activity, yet later state this was a system error. This demonstrates internal inconsistency in your investigation process. * You rely solely on consistent login activity to determine authorization, while simultaneously acknowledging that unauthorized access can occur using valid credentials. * You failed to properly investigate my report that my account and/or email may have been compromised. * I reported these transactions immediately on XX/XX/year>, and fully cooperated throughout your investigation. * I was explicitly told I would receive provisional credit, which was never honored. At no point have you provided evidence that I personally authorized these transactions. Based on the Electronic Fund Transfer Act ( Regulation XXXX ), unauthorized transactions are not determined solely by login consistency, especially when compromise has been reported. Due to these failures, I am formally requesting : XXXX. A full refund of {$620.00} XXXX. Documentation of the specific evidence used to determine authorization XXXX. Copies of all investigation notes and decision criteria If this matter is not resolved, I will proceed with legal action and file additional complaints with appropriate regulatory agencies. I expect a formal response in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding the closure of my bank account and the ongoing delay in returning my remaining funds. My account was closed by Chase due to suspicious activity and placed under review after I made a cash deposit via ATM. I understand banks are required to review certain transactions for security purposes. However, my account has now been under review for over a month with no clear timeline or resolution provided. I have contacted the bank multiple times and was repeatedly told the account is still under review, without further explanation or a specific expected resolution date. The only remaining balance in the account is approximately {$1000.00}, which I have been informed is being held pending this review. I am requesting : 1. A clear explanation of the status of my account review 2. A specific timeline for resolution 3. The prompt release of my remaining funds, or instructions on how they will be returned to me ( such as by check or transfer ) I am not disputing the banks right to review accounts for fraud prevention. However, the lack of communication, indefinite timeline, and continued withholding of my remaining funds have created unnecessary financial hardship. I am requesting prompt resolution and return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: FinCo Services Inc DBA Current
State: WI

Complaint narrative:
On XX/XX/2026, my Current account was accessed by an unauthorized device without my knowledge or consent. At approximately XXXXXXXX XXXX Current sent me a security alert notifying me of an unrecognized login from an XXXX XXXX located in FL, US a device I do not own or recognize. Within the same timeframe, two unauthorized payments were made from my account : {$1500.00} sent to XXXX XXXX via Current Pay, and {$1000.00} ( plus a {$17.00} fee, totaling {$1000.00} ) sent to phone number ( XXXX ) XXXX. The total unauthorized amount taken from my account was {$2600.00}. I did not authorize either of these transactions. I never shared my XXXX code, login credentials, or account access with any individual. This was not the first time I experienced issues with Currents security. I had contacted Current customer service multiple times in the weeks prior to XX/XX/XXXX regarding suspicious activity, with no adequate resolution. Despite repeated contact, Current failed to prevent this breach. After being unable to login to my bank account for over 24 hours On XX/XX/2026, Currents Fraud Team emailed me stating the account review was complete, but rather than reimbursing my losses, implied the breach was my fault for potentially sharing my MFA code which I never did and warned of possible account closure if it happened again. Current has failed to protect my account, failed to reimburse all of my losses totaling over {$2600.00}, and failed to provide a clear explanation of how this breach occurred. I am requesting full reimbursement of all unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: IN

Complaint narrative:
My legal name was changed my account without my authorization. This happened on or around the XXXX of this month. I tried to get the documentation that authorized this name change and they could not be provided. I have went through there ID verification and all requirements for me to have them change it back. Unfortunately I don't have judgment documents of my name change because my name has never changed. I haven't been able to get any results and it keeps taking me to the beginning. I am so confused on how they changed it without their required documents. I am so frustrated and I use this account for work and it's been hard for me to be efficient on materials and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On or about XXXXXXXX XXXX XXXX I ported my number from XXXX XXXX XXXX ( XXXX XXXX ) to XXXX ( XXXX XXXX ). I use my mobile # as well as my email as zelle ( Early warning XXXX based out in XXXXXXXX XXXX XXXX product ) to send or receive money. It seems something happened-it was definitely not smooth. During this porting- it seems for almost XXXX days or so my zelle XXXX XXXX XXXX # was not working. I have bank account in XXXX. I use zelle to receive or send money via XXXX bank. Spectrum or XXXX or XXXX warning systems nobody ever told me that there is some issue with my mobile # in terms of zelle kind of services. On or about XXXX XXXX XXXX XXXX of my tenant tried to send me more than {$1600.00} but repeatedly failed. I reached out to XXXX and tried to confirm- is my Zelle working or not? XXXX XXXX Customer Service Representative XXXX XXXX who had a birthday on that day ) - after checking told yes your zelle is working fine. I tried sending XXXX trial zelle from another bank account of mine via phone #- it went fine - means didn't failed. Later I got a very angry tenant who is yelling and screaming on me over the phone as she had been trying for the last XXXX or XXXX hours to send the money. She tried XXXX and then XXXX XXXX and in fact tried to get help from her sister 's account. XXXXXXXX XXXX XXXX XXXX response was so confident that it let me believe that my zelle is working fine. But my tenant became so upset that she never paid me the remaining amount. She just moved in less than XXXX weeks back. Totally new relationship and whatever help I had offered- it is totally ruined beyond the repairs due to this kind of mishap. I have no idea- how come XXXX or XXXX or Early warning XXXX is not even telling that Zelle kind of services were off for almost XXXX or XXXX days? I need to enroll back to Zelle on XXXXXXXX XXXX XXXX late evening to make it work. My big question how come I got un-enrolled from Zelle? How come XXXX or XXXX or Early warning XXXX never knew all this and told me nothing about this? Why no customer notification. All the XXXX entities know me my email and phone # - so why no notification? Well none of them should try to blame each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services is reporting a {$390.00} debt for XXXXXXXX XXXXXXXX XXXX that I do not owe. I never received any bill, policy number, contract, or notice from XXXX XXXXXXXX. I requested information and validation, but no documentation was ever provided. CCS continued to report and update this debt without proof. I am requesting validation or removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a complaint against Citibank regarding their handling of a fraud and account takeover case involving my bank account. My account was compromised through unauthorized changes to my email address and mailing address, which resulted in loss of control over the account. Following this, numerous unauthorized transactions occurred, including ATM withdrawals in XXXX and electronic ( ACH ) debits. I promptly reported the issue and disputed the transactions. However, Citibank denied the claims, stating that the activity was consistent with my typical banking behavior based on device usage. This conclusion ignores the fact that my account credentials and contact information had already been compromised. Citibank is now requiring me to re-dispute over 60 individual transactions, instead of treating this as a single account takeover event. This is unreasonable and creates an excessive burden on me as a consumer. Additionally, my Social Security benefits were deposited into the account and applied toward a negative balance caused by these disputed transactions, which raises serious concerns about the handling of protected federal funds. I am requesting that Citibank : Conduct a full account-level investigation of the takeover Reverse all unauthorized transactions Remove the negative balance Restore any improperly applied Social Security funds Provide documentation of their investigation, including audit logs and account changes Citibanks current handling of this matter appears inadequate and inconsistent with proper fraud investigation standards.

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