vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I used Zelle to purchase an item from XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, NM for XXXX dollars.XXXX has not met his end of the bargain. The transporter that was supposed to deliver this item to me company name XXXX XXXX XXXX and deliveries owner XXXX XXXX had stood me up twice and upon arrival and gave me an addition fake phone number claiming it was his wifes number which led to a homeless shelter. The seller XXXX gave me a hard time about this whole scenario I requested my money back he refused submitted my evidence to Zelle and Zelle keeps denying my claim despite everything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a collection account being reported on my credit report by XXXX XXXX. On XX/XX/year>, I formally disputed this account and requested validation of the alleged debt, including an itemized bill and proof that the debt belongs to me. I provided the account/reference number in my communication. I never received any response, documentation, or validation from the company. Despite this, the dispute was marked as resolved on XX/XX/year>, only three days later, which strongly suggests that no proper investigation was conducted. Additionally, the account was updated again on XX/XX/year>, while still remaining unverified. I do not recognize this debt and have not been provided any proof that it is valid or belongs to me. The company has failed to comply with my request for validation and continues to report this account to the credit bureaus without providing proper documentation. I am requesting that this account be removed from my credit report immediately due to failure to validate and inaccurate reporting. All further communication regarding this matter should be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NJ

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my account that were wrongly denied as fraud by my financial institution. I am a XXXX man receiving Social Security benefits. I suffer from XXXX failure and undergo XXXX XXXX XXXX times per week. Due to my XXXX XXXX and XXXX schedule, there are times when it would have been physically impossible for me to make the transactions in question. I did not authorize these transactions and did not benefit from them in any way. Despite reporting this promptly, my claim was denied with the accusation that I conducted the transactions myself, which is incorrect. Under the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005 ), financial institutions are required to conduct a reasonable investigation into unauthorized transactions. I do not believe a proper or fair investigation was conducted in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: NC

Complaint narrative:
I am filing this complaint regarding Citi 's repeated denial of my billing dispute ( Case XXXX ) for a charge of {$790.00} from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Citi 's denial letter dated XX/XX/year> appears to rely primarily on the merchant 's refusal to issue a credit rather than evaluating the substance of my dispute. I have followed up multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> with no meaningful response or reconsideration. My dispute has two distinct grounds : 1. Forged / Unrecognized Signature on Merchant Documentation The merchant submitted paperwork to Citi that either does not contain my signature, or contains a signature I do not recognize as mine and that was never presented to me at the time of purchase. This documentation was not shown to me during the transaction and appears to have been fabricated or altered after the fact. I explicitly notified Citi of this in writing and offered to provide a signature sample for handwriting comparison. Citi did not pursue this. 2. Material Misrepresentation and Deceptive Sales Practices The purchase was made in a high-pressure, tourist-facing retail environment. The merchant made verbal representations about the quality and authenticity of XXXX XXXX that were material to my decision to purchase. The documentation provided contains no verifiable information about fiber composition, authenticity standards, or quality certification. Comparable XXXX products are widely available online for {$3000.00}. I was charged {$790.00}. Citi has not engaged with either of these arguments. Under the Fair Credit Billing Act and Visa dispute rules, authorization of a charge does not override material misrepresentation, nor does it validate documentation that the cardholder did not sign or agree to. The merchant 's refusal to issue a refund is not a valid basis to close a dispute Citi has an independent obligation to investigate under the FCBA. I am requesting that the CFPB require Citi to conduct a proper review of both the signature authenticity issue and the misrepresentation claim, and reverse this charge.

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 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: TX

Complaint narrative:
This debt collector has been calling me at least 12 times in the past seven days. Under federal law this is harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: OK

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am submitting an urgent update regarding my XXXX claims. A Bank of America supervisor XXXX today provided incorrect information about Regulation E and then disconnected the call. I was told that my XXXX claims no longer fall under guidelines, that renumbering gives the bank another 45 days, and that reconsideration removes the regulatory timeframe. None of this is accurate under federal law. These claims were opened in early XXXX and are already far past the 45day limit. Internal renumbering or reconsideration does not reset or remove Regulation E requirements, and the bank has still not issued provisional credit, written determinations, or any status updates. Notably, the bank approved and refunded smaller claims from the same merchant in XXXX ( claim ending in XXXX ) with identical evidence, confirming the transactions were unauthorized. There is no legal or factual justification for denying or further delaying the larger claim. This continues a pattern of delays, misinformation, and failure to comply with federal requirements. I am requesting immediate CFPB intervention to ensure full resolution and that this complaint remains open until all claims are fully documented and 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 monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I applied for a loan assumption as I have just gone through a divorce its been almost a year and nothing has been done. my ex-wife has already completed the process after being denied 4 time. I was denied the assumption due to lack of income. but they are not calculating the income from my LLCs correctly. my accountant and mortgage rep who approved me for a refinance both wrote letters in my behalf asking for information as to why I was denied and showing them proof that I should not have been denied. I have wrote multiple emails along with multiple calls with no response. my interest rate is 2.5 % rite now and it seems clear to me they are forcing me into a refi at a much higher rate of 6 % or higher.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
Product- checking account Issue- incorrect info on report/fraud A fraudulent check was deposited against my account without my authorization, which resulted in a negative balance when it was returned. I reported this at the time and filed a police report ( attached ). The bank is incorrectly reporting this as account abuse/overdraft to XXXX and is requiring me to pay the balance. I did not authorize this transaction and should not be held responsible for the loss. I am requesting that this be corrected to reflect fraud and that the XXXX entry be removed immediately. In f b. 2024 a check was electronically deposited into my account from California. The fund were withdrawn and I was held liable before the appropriate funds were deposited. The bank ( rock land trust ) assured me my account would be closed in good standing. I made and have attached a copy of the police report. They waited a year and then reported it as account abuse, which is not what they said to me and the police officer in the moment. I want this immediately taken off of my checkssystems report. I have a family, children, and can not open a bank because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Starting the weekend of XX/XX/XXXX, Chase has consistently blocked my access to my online credit card accounts at least 12 times. Dates my account has been locked include : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have spent countless hours on the phone and at least 40 phone calls to Chase trying to get a straight answer why this keeps happening. They say it is a fraud review with the only activity on my account is me trying to log-in. I have been in-person to a Chase branch 4 times trying to fix this as well. Not being able to access my account does not let me plan for payments, use my chase points, check balances, review purchases, etc. I can't even make an appointment at the branch so have to walk in and wait to helped. At this point, this feels like harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
My personal information and financial situation/details were disclosed by Comenity Bank ( XXXX XXXX XXXX ) to a person that was NOT allowed or given permission to have my information on XX/XX/year>. They were calling to get a payment because I was a payment behind. They called multiple times back to back, left the person voicemails, and called them until they picked up!! I had made a payment the week before, which HAD posted to my account by this date, but they still called this person, not even in my household, and disclosed personal and financial details to this person without my permission. This is causing me a lot of problems Im having to handle and unnecessary stress now in a situation I was already taking care of. Unacceptable, and ILLEGAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint regarding Capital One closing my credit account and reporting negative information to my credit report due to a payment that did not process because of a bank connection issue. This was not a refusal to pay and I made multiple attempts to resolve the issue before the account was closed on XX/XX/year> I even attempted to have Capital One and my bank communicate directly to resolve the issue, but due to their policies they refused. The account was then closed without giving me a fair opportunity to resolve the payment issue, and now the account is being reported negatively on my credit report which is affecting my credit score. I am requesting that Capital One correct the reporting on my credit report and remove any negative marks associated with this account because this situation was due to a payment processing issue, not non-payment or account neglect. I am seeking correction of my credit report and a fair resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Independent Dealers' Advantage, LLC
State: GA

Complaint narrative:
The creditor responded to my initial complaint with a generic statement claiming the repossession was lawful but did not provide any actual documentation to support their claims. Their response does not constitute a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). The creditor failed to provide : A full and complete payment history showing how the alleged default amount was calculated. Copies of all required notices, including any Right to Cure Notice, Notice of Intent to Repossess, and post-repossession sale notices. Proof of mailing for the above notices, as required by state law. A complete copy of the signed Retail Installment Contract. Proof of legal authority for the repossession agent. Any documentation demonstrating that they conducted a reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ). The creditors response was essentially a template letter and did not contain a single piece of evidence, document, or supporting record to validate the accuracy of the account. Without providing this information, they can not meet the FCRA requirement to verify the accuracy and completeness of the information they are furnishing to credit reporting agencies. Because the creditor failed to validate the account, the continued reporting of this repossession and related derogatory information is unverified, inaccurate, and in violation of federal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am submitting a complaint against PNC Bank regarding its handling of unauthorized electronic fund transfers and failure to comply with the Electronic Fund Transfer Act ( Regulation E ). Between XXXX and XX/XX/2025, multiple unauthorized debit card transactions occurred on my account. I promptly reported these transactions to PNC, and the bank initially issued provisional credits. However, PNC later reversed those credits and denied my claims, asserting that the debit card was present for the transactions. This determination is improper. The mere presence or use of a debit card does not establish that the transactions were authorized. Regulation E requires a reasonable investigation and proof of authorization, which PNC has failed to provide. The transactions occurred in a pattern consistent with fraud, and I timely reported them. PNCs response does not demonstrate that a reasonable investigation was conducted, nor does it provide evidence that I authorized the transactions. As a result of PNCs actions : Provisional credits were reversed My account was left with a negative balance The matter has been referred to collections I am requesting that PNC : Reopen the investigation in compliance with Regulation E Reimburse the unauthorized transactions or waive the balance Confirm that no negative reporting will occur Provide documentation supporting their determination PNCs handling of this matter reflects a failure to meet its obligations under federal law. I request prompt regulatory review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: WV

Complaint narrative:
My income tax refund was deposited into my account on XX/XX/XXXX and it had been a while since I used my Credit Karma Money account, so I needed to update my phone number in order to sign in and access my money, i tried to change my phone number by verifying my identity through their services ( XXXX ) and them for some reason they will not accept my Government Issued ID. Therefore, I could not update my phone number. I have tried more than 10 times. After about a week of going through the customer service processes and getting no where, I requested that they issue me a paper check and mail it to me. They said 7 to 14 business days. A few days later the money no longer shows in my account and It has now been well over 14 business days and I can not seem to get anywhere with the customer service and in turn I can not get my money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint regarding a fraud claim that has exceeded the standard investigation timelines. I reported unauthorized transactions and my claim was initially denied, then reopened for reconsideration. The claim has now reached the extended 90-day investigation period. I was informed that the delay is due to waiting on a merchant response. I was also told that the claim handler went on leave, which caused further delay. I do not believe internal staffing issues or lack of merchant response should prevent a timely resolution. Additionally, I was given inconsistent information by representatives, including being told a credit had already been issued when no funds were received. I am requesting that Bank of America complete the investigation immediately based on the available evidence or issue the appropriate credit as required. This prolonged delay is causing financial hardship, and I am seeking a prompt resolution.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Want the account closed and my money refunded back. Says they cant because of verification but Ive done everything they have asked and still its not enough for them. What more do they want.

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 2026-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: OK

Complaint narrative:
My mortgage company Planet Home Lending LLC has misapplied funds from payments, charged incorrect late fees, and is not taking necessary action to remedy these problems, but is instead requesting that I make an additional payment even though my payments are up to date. XXXX. Payment Misapplication On XX/XX/XXXX, I made a mortgage payment in the amount of {$2100.00}, for the month of XXXX and another on XX/XX/XXXX in the amount of {$1700.00} for the month of XXXX which have been confirmed as withdrawn from my bank account ( documentation previously provided ). This payment has not been properly applied to my loan balance. As a result, I have been incorrectly assessed late fees, which I dispute in full. XXXX. Escrow/ Property Tax Error XX/XX/XXXX I notified my mortgage company that my account was to be updated to remove property taxes from escrow effective XXXX. This correction has not been reflected in my balance or payment amount.

Company response to consumer: Closed with explanation