vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 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: FL

Complaint narrative:
Experian is currently reporting several fraudulent and unauthorized accounts in my credit file that were established without my legal consent or knowledge. Specifically, I am contesting the following entries : XXXX/XXXX ( Opened XX/XX/year>, # XXXX ), Credit Collection XXXX ( Opened XX/XX/year>, # XXXX ), and XXXX XXXX XXXX ( Opened XX/XX/year>, # XXXX ). I have never granted any organization or third-party entity the authorization to utilize, process, or disseminate my private personal data regarding these accounts. The reporting of these items constitutes a flagrant violation of my privacy rights and federal consumer protection statutes. Under XXXX U.S.C. XXXX ( b ), Experian is mandated to maintain maximum possible accuracy, yet it continues to report accounts that lack a permissible purpose and have not been validated. Furthermore, furnishing such non-consensual data violates FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), and FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ). The inclusion of these fraudulent records is a direct result of unauthorized data exploitation that Experian has failed to correct.

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 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The reported account status includes a delinquent notation that appears to have been applied inaccurately.

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
" On [ Date of the transaction ], I was a victim of an 'Imposter Scam. ' I received phone calls that appeared on my caller ID as 'Bank of America . ' The individuals on the line identified themselves as bank representatives and used high-pressure tactics to induce me to make a transfer of {$990.00} I filed a claim with Bank of America ( XXXX # ( XXXX XXXX ), but it was denied. The bank stated that the transfer followed 'instructions provided, ' completely ignoring that those instructions were provided by scammers impersonating the bank itself. Upon receiving the denial letter, I called the bank to provide evidence, including my call logs showing the spoofed 'Bank of America ' calls and copies of the transaction records. The bank representative told me they 'did not need to see my evidence ' but promised to reopen the claim. However, today the bank proceeded to withdraw the funds from my account ( reversing the provisional credit ) without reviewing my evidence or conducting a fair and thorough investigation. I am requesting that Bank of America be required to review the evidence of the impersonation scam and restore my funds. The bank is failing to protect consumers from social engineering fraud where the bank 's own identity was compromised and used to facilitate the 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 explanation
Consumer complaint received 2026-05-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I noticed a fraudulent XXXX charge on my Wells Fargo credit card and immediately reported it. A claim was opened and I was told it would be handled. On XX/XX/year>, I noticed another fraudulent charge from XXXX and reported it as well. During that call, I was informed for the first time about additional unauthorized XXXX charges that had not been disclosed to me during my initial report. I reported all fraudulent transactions immediately and relied on Wells Fargo to properly investigate. However, the company failed to include all unauthorized transactions in the initial claim and did not provide clear or consistent communication regarding the status of the investigations. Despite reporting fraud promptly, I continued receiving billing statements, late fees, and emails stating I owed a balance related to these fraudulent charges. Interest and late fees were added to charges that were under dispute. I was also given conflicting information by multiple representatives regarding the status and resolution of my claims. In XX/XX/year>, I was told the claims were resolved, yet I continued to receive emails stating I owed money. Another representative later stated that I still owed the balance. This inconsistency and lack of resolution has caused financial harm and negatively impacted my credit report. I requested written documentation of the investigation results for each fraud claim, but this was not provided. I am requesting that all fraudulent charges, interest, and late fees be removed, and that any negative reporting to credit bureaus be corrected immediately.

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 2026-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
They offered a settlement I made a payment towards the account based on the settlement amount and for the account to be deleted off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony Bank have targeted me for all my credit card have been reduced credit limits. They have reduced all my available credit on XXXX of my accounts with them. No reason for this reduction, I pay all my bills on time and more than expected. There is no possible reason for those reductions. I feel I am being harassed and discriminated against. I have reached out to them via email and telephone. No definitive answer was provided. Havent heard back from email as of yet. Im trying to contact the XXXX of the company to find out why this is happening to me. I feel this is unfair and unjust.

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 2026-05-05 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: IL

Complaint narrative:
On XX/XX/year>, my husband inadvertently sent a payment of {$1200.00} via PayPal to the wrong recipient - XXXX XXXX XXXX XXXX XXXX in Ohio. The payment was intended for XXXX XXXX of XXXX, Illinois. The payment processed on XX/XX/year>. Upon discovering the error, I contacted XXXX XXXX XXXX XXXX XXXX directly by phone on XX/XX/year>, leaving a voicemail requesting a refund. I followed up the same day with a written email. I sent a second email on XX/XX/year>, advising the recipient that I would be contacting PayPal if the matter was not resolved by end of business XX/XX/year>. No response was received to any contact attempt. I filed a dispute with PayPal on XX/XX/year>, Case ID XXXX, Transaction ID XXXX. PayPal denied the claim stating no evidence of misrepresentation. I filed an appeal clarifying this was not a purchase dispute but a misdirected payment to an unintended recipient who has no claim to the funds. PayPal denied the appeal stating my dispute did not meet their qualifications for a billing dispute. I want to note that PayPal XXXX dispute system does not appear to have a category specifically for misdirected payments to unintended recipients, which I believe contributed to this claim being miscategorized and denied twice despite a clear and documented error.. The recipient has kept {$1200.00} they are not entitled to. PayPal XXXX dispute system has proven inadequate to handle misdirected payment claims of this nature. I am requesting the CFPB XXXX assistance in recovering these funds and reviewing PayPal XXXX handling of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I signed up for services with XXXX to do a consolidation on my credit cards. XXXX payments were taken from my account of {$360.00}. They had not applied any money to any of the cards I had, so I called my bank Capital One and spoke with an agent about stopping payment with them and explained to the rep. that I signed up for the service, but had not received any services from them. I told her that I wanted to open a dispute and would like my money credited back to my account. On XX/XX/year> I received a text from XXXX saying that they got and offer for a settlement for XXXX of my cards. Mind you they have already taken {$1000.00}. None of my money has went towards any of my credit cards including the XXXX I have with Capital One. I then contacted Capital One only to find out that my dispute was denied. The XXXX that I spoke to that started the claim for me put in the dispute that I didn't authorize the claim..... well I told her that I signed up for the service but didn't not get the service. I spoke with a few agents from Capital One with no results of them getting my refund, instead I was told that a dispute was reopened, but they could not send my confirmation of it being opened and I would have to keep checking to see what the outcome of the dispute. I'm completely appalled that my initial dispute was not written correctly and very upset that Capital One feel it is ok for me to lose my money for services that were not rendered I started receiving texts from XXXX after the payment was stopped. I need my money credited back to my account or I will be taking legal actions against Capital One for misinformation on my dispute and failure to initiate a refund to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens bank has XXXX charged off accounts XXXX {$960.00} in XXXX and XXXX {$750.00} in XXXX I explained to them that the first XXXX wasnt me and asked them to investigate they never reached out with an decision nor did they provide me with the proof I requested. They also shared my information with a XXXX party company that I did not give permission or consent for them to do the companies name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: TX

Complaint narrative:
I had a checking account with JPMorgan Chase, they closed my account and kept my money XX/XX/year>, and have refused to give me my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I recently moved my primary banking activity to Robinhood after maintaining a long-standing relationship with another XXXX XXXX . On or around XX/XX/year>, my account was suddenly restricted without prior notice or a clear explanation. At the time of the restriction, my account contained approximately {$14000.00} and was actively being used, including transactions through Robinhoods banking and card services. I promptly contacted customer support and completed all requested identity verification steps. During a phone call on XX/XX/year>, I was informed by a XXXX XXXX that my account would be reviewed and restored within approximately XXXX hour after verification. However, shortly after the call, I received an email from Robinhood XXXX stating that the review would instead take approximately XXXX business days. This directly contradicted the information provided to me during the call. Following this, I attempted to follow up and requested escalation to a XXXX to resolve the issue and understand the restriction. During this process, I was effectively prevented from continuing communication with support, leaving me unable to obtain updates or clarification regarding my restricted account. As of XX/XX/year>, my account remains restricted, and I do not have clear information regarding : * The specific reason for the restriction * The status and accessibility of my funds * A definitive timeline for resolution This situation has caused disruption to my access to funds and raised concerns regarding inconsistent communication and lack of transparency in the handling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I registered in kraken on XX/XX/year> and recharged XXXX US dollars. I was restricted as soon as the recharge was completed. And I can't withdraw my money. I can't contact the customer service either. My account email : XXXX XXXX

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a refund check from XXXX. The check was for {$2300.00}. After the mobile deposit was accepted by Citibank, they removed my online access to the account. Upon contacting them they advised the check is fraud and had decided to close the account. I provided multiple phone numbers for XXXX to authenticate the check and Citibank said none of the phone numbers were valid in their system. They are refusing to give me access to my funds, even after having proof of the check being cashed. I am on the verge of XXXX. I have been XXXX for months and need access to these funds to pay for my past due rent. Since XX/XX/XXXX I have contacted both Citibank and XXXX daily for a 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 explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that YOU, the credit reporting agency to immediately block and permanently remove the fraudulent accounts that was added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint XXXX ). It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights. This fraudulent, inaccurate, and false information consists of Accounts : ( XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXXXXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ).

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to Caine & Weiner Company , INC . I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that Caine & Weiner Company , INC currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to Caine & Weiner Company , INC . The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all 10 items requested in the attached letter are addressed completely and directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX Mountain Time, I contacted Chase XXXX XXXX regarding XXXX XXXX transactions totaling {$4000.00} from Chase checking account XXXX that constitute an authorized push payment scam payment for services that were never delivered. Transaction details : XX/XX/XXXX XXXX Payment To XXXX XXXX reference XXXX {$2000.00} XX/XX/XXXX XXXX Payment To XXXX XXXX reference XXXX {$2000.00} I was transferred through XXXX overseas XXXX who were unable to assist me before reaching a XXXX who identified herself only as XXXX in the XXXX department. XXXX was immediately condescending and repeatedly interrupted me before I could describe the situation. When I asked her to stop interrupting, she reversed the blame onto me and stated I was the problem. XXXX then made several claims that appear to conflict with Chase 's obligations under federal banking regulations : She claimed Chase had no mechanism to file a XXXX scam complaint, despite XXXX 's own policy requiring such complaints be filed through the originating bank She claimed the transactions were no longer visible because the account had been closed, and used this as justification for taking no action She refused to provide her employee ID number despite my informing her she was legally required to do so upon request. She provided only her first name, XXXX, and stated she worked in the XXXX department Chase is required under Regulation E to investigate claims of this nature. The transactions involved payment for coaching services that were never delivered, for which I have extensive written documentation. Over the course of the past XXXX months the recipient of these payments has repeatedly acknowledged the debt in writing via XXXX, committed to specific repayment dates on multiple occasions, and has failed to honor any of those commitments. He has since changed his phone number and stopped responding entirely. This written documentation clearly establishes that this was a scam involving payment for services never delivered. I am requesting that Chase locate the transaction records, process my scam claim formally, and address the conduct of the supervisor on this call.

Company response to consumer: Closed with explanation