vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Company Name : Navy Federal Credit Union Issue Type : Credit Card Account Management / Failure to Graduate Secured Card Complaint : I am submitting this complaint regarding my secured credit card account with Navy Federal Credit Union. I have maintained this account responsibly for approximately XXXX months, with a perfect payment history, no missed or late payments, and consistent usage. During this time, my overall credit profile has significantly improved, including a substantial increase in my credit score. In addition, I have recently made significant payments to reduce my credit utilization. My balances have been paid down substantially, resulting in a much lower utilization rate than previously reported. This reflects a clear and continued effort to improve my creditworthiness and manage my accounts responsibly. Despite this demonstrated responsible behavior and recent improvements, my secured card has not been graduated to an unsecured card. When I contacted Navy Federal, I was informed that the decision was based on internal risk factors. However, no specific or actionable explanation was provided. This reasoning is concerning because it lacks transparency and does not allow me to understand what additional steps, if any, are required to qualify for graduation. Given my consistent on-time payments, significantly reduced credit utilization, and improved credit standing, I believe I have met reasonable expectations for account graduation. Additionally, the use of undefined internal risk criteria without providing any meaningful explanation or guidance raises concerns about fairness and consistency in account review practices. Consumers should be given clear and understandable reasons for adverse decisions, especially when they have demonstrated responsible credit behavior over an extended period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year>, I initiated a domestic wire transfer of {$30000.00} from my Bank of America account ( TRN : XXXX ). The transfer was rejected by the receiving bank ( XXXX ). When the funds were returned to my Bank of America account, only {$29000.00} was credited. I contacted the Bank of America Wire Department on XX/XX/year>, and they denied deducting any fee from the returned amount. As the initiating bank, Bank of America is responsible for the full return of principal when a payment order is not completed ( per UCC Article 4A ), or at minimum, providing the XXXX IMAD/OMAD Fedwire trace number to identify where the {$40.00} deduction occurred. I am formally disputing this as an incorrect electronic fund transfer under Regulation E. In the attachments you can see the relevant bank statement from the account that the wire transfer originated from.

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 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
So I applied for capital one venture card, I was approved. Before I get my physical card I tried using with digital one. I have moved the city so I change my address so they requested my mailing address verification. I submitted it they rejected it and then I submit again, now its still in progress. Its been days for verification process. Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
for the last XXXX weeks I have received XXXX to XXXX calls per day from The CBE group starting as early as XXXX XXXX. Sometimes I pick up and then they just hang up. Sometimes my phone screen turns on and they hang up. I looked them up and they have thousands of complaints. Today I picked up. Very very very rude woman asked if I was XXXX XXXX. I said yes, they she asked for the last XXXX digits of my social security number. I said I would not give out any such information to an unknown company on the phone, she repeated the question, I repeated my answer, she repeated it again, a XXXX time I repeated my answer. She said " fine I will take that as a confirmation '' and hung up. I have no idea what they want from me or why they are harassing me. I want it to stop now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened an account with TD Bank in XX/XX/year> with an offer to keep {$10000.00} in the account for XXXX days that if deposited within XXXX days of account opening. I deposited {$10000.00} on XX/XX/XXXX ( posted on XX/XX/XXXX ) within XXXX days of my account opening and kept the funds in the account for over XXXX days. However, I have not received the {$200.00} bonus even though the terms of the offer say that it will be deposited within 6 months of account opening. With a lenient estimate, XXXX months after XX/XX/XXXX is XX/XX/XXXX, but after calling TD, I was told that I would get a call back, which I did not. On a subsequent call, I was told that the bonus would be dispersed " soon '', and it was not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
This account is being reported as a charge-off, however I have concerns regarding the accuracy and completeness of the information being reported. This account is closed with a XXXX balance, yet it continues to be reported as a derogatory charge-off. Additionally, the account reflects that it has been disputed, which raises further concerns about the accuracy of the reporting. I have not been provided with complete documentation validating this account, including a full payment history and a clear explanation of how the account reached charge-off status. Because of these inconsistencies and lack of complete validation, I am requesting a full investigation into the accuracy of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One Auto Finance regarding a vehicle loan. A Form 1099-C ( Cancellation of Debt ) was issued reporting that the debt related to this account was XXXX on XX/XX/year> in the amount of {$33000.00}. This information was reported to the Internal Revenue Service. Despite this reporting, my vehicle was repossessed last week by Capital One Auto Finance. After the repossession occurred, I sent a formal Demand for Validation of Debt by certified mail requesting documentation supporting the alleged balance and the authority to repossess the vehicle. The letter was delivered to Capital One, however they have not provided any validation or documentation. Instead, I received letters threatening that the vehicle will be auctioned. This repossession has caused significant hardship because I rely on the vehicle for transportation to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: CT

Complaint narrative:
Unauthorized {$1500.00} XXXX XXXX Transaction Immediate Action Required I am disputing {$1500.00} in unauthorized XXXX XXXX charges on my account. I have already submitted this dispute twice, but both were denied without a proper investigation. I am requesting immediate provisional credit while the investigation is conducted, as required under federal regulations for unauthorized transactions. I have attempted to resolve this directly with the bank, but front-line staff repeatedly stated they could not help, and my requests for escalation to a supervisor were ignored. This is a fraudulent transaction, and I expect the bank to comply immediately. Please treat this as urgent and provide confirmation of provisional credit today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I am reporting unauthorized transactions on my account that occurred between XX/XX/XXXX and XX/XX/XXXX, totaling {$1000.00}. I did not authorize these transactions. As a result of these charges, my account balance increased and additional fees and interest were applied by the company. These additional charges include late fees, interest charges on purchases and cash advances, a monthly fee, and an annual fee applied between XXXX and XX/XX/XXXX. I did not authorize the original transactions and should not be held responsible for any resulting fees, interest, or penalties. I am requesting a full investigation, removal of all unauthorized charges totaling {$1000.00}, reversal of all related fees and interest, and correction of any negative impact on my account. I am seeking a full resolution of this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX was closed by Bank of America with no action on their part. they stated in their response that they needed more time to research issue - followed by their closure of complaint - having taken no action. Please see the response I made to the survey questions at the end of that case. My comments fully explained the issue. This case needs to be reopened until Bank of America has responded with an actual 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 non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Complaint Against Comenity Capital Bank XXXX XXXX XXXX XXXX I am submitting this complaint regarding improper billing practices and failure to correct an account error by Comenity Capital Bank, which managed my credit card account for The Childrens Place. I contacted the company initially to dispute what I believed were excessive and incorrect interest charges being applied to my account. During that communication, I attempted to resolve the issue in good faith, but the representative was unwilling to investigate or correct the charges. Due to the inability to resolve the matter and continued concerns about being wrongfully charged, I made the decision to close the account. On XX/XX/XXXX, I paid the remaining balance in full to ensure the account was completely settled. On XX/XX/XXXX, I received written confirmation from Comenity Capital Bank stating that my account balance was {$0.00}. Despite this confirmation, the company continued to assess additional charges after the account had been paid off and closed. I again attempted to address the issue, but Comenity Capital Bank refused to make corrections or provide a clear explanation for the continued charges. Subsequently, I was reported to collections for a balance that should not exist. This action is both inaccurate and unfair, as I fulfilled my obligation and relied on their written confirmation that my account had a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
on XX/XX/year> my account was compromised and an UNAUTHORIZED XXXX transaction was done on my account to a person that i do not know nor have i ever done business with the person. I submitted the information as a claim to my bank in which they denied saying the transaction is authorized and do not see any fraudulent activity! Well thats the issue i am the consumer and my account was accessed and a XXXX sent and i did NOT authorize this transaction and the transaction was fraudulent. Under federal Regulation E a consumer is protected from unauthorized transaction and i feel that my bank wells fargo is over looking or either denying my rights as a consumer.

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 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Google Compare Credit Cards Inc.
State: OR

Complaint narrative:
In XX/XX/XXXX, a {$270.00} XXXX XXXX XXXX subscription was enrolled on my Google account via XXXX without my household 's clear knowledge or consent. Google structured this as a retail installment contract XXXX monthly payments of {$34.00} without making the non-refundable, non-cancelable nature of this financial commitment adequately clear. All 7 payments were charged to my debit card and completed by XX/XX/XXXX. Upon discovering the charges, I contacted XXXX XXXX on XX/XX/XXXX ( Case # XXXX ). I spoke with agent XXXX XXXX and XXXX XXXX XXXX XXXX refused to issue a refund. XXXX XXXX XXXX stated that no formal billing dispute process exists and that XXXX XXXX is the only avenue available to me.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
On XX/XX/year>, {$1800.00} was withdrawn from my account at two different ATMs in Texas while I was physically in Rhode Island and still had my debit card in my possession. There were also attempted transactions in XXXX at the same time. TD Bank recognized the activity as fraudulent and locked my card, yet they are now refusing reimbursement, claiming the PIN was entered correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Meridian Financial Services for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g regarding the required validation of debts. 1. Failure to Provide Initial Written Notice According to documentation from the original creditor, XXXX XXXX, my account was transferred to Meridian Financial Services on or about XX/XX/year>. Under the FDCPA, a debt collector must send a written " validation notice '' within XXXX days of their initial communication, or if no communication has occurred, they must still provide the consumer with their rights to dispute the debt once collection activities begin. As of XX/XX/XXXX, XXXX XXXX days since the transferI have received no letters, emails, or phone calls from Meridian providing the legally mandated notice of my rights to dispute the debt. 2. Refusal to Provide Debt Verification On XX/XX/year>, I proactively contacted Meridian Financial Services ( at XXXX ) to inquire about the account and formally requested a Verification of Debt ( VOD ) and proof of their legal authority to collect. During this call, I provided my name and the name of the original creditor ( XXXX XXXX ). Despite providing this identifying information, the representative refused to provide any verification of the debt, claiming they " could not help '' without further sensitive information. Because the debt is disputed, I am not required to provide additional information to a collector who has failed to provide their own initial disclosures. 3. Impact on Resolution The debt collector 's refusal to provide documentation or acknowledge the account prevents me from exercising my legal right to dispute the debt or resolve the matter with the developer. Their failure to send a validation notice is a clear procedural violation of the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: FL

Complaint narrative:
Narrative : " I am a resident of XXXX XXXX, FL. On XX/XX/year>, my PayPal account was compromised by an unauthorized third party. I am disputing PayPals denial of my unauthorized activity claim and their attempt to hold me liable for a fraudulent balance. Evidence of Unauthorized Access : Location Conflict : PayPal 's own system sent me a security alert for a login from a new device ( XXXX ) in XXXX, IL. I live in XXXX XXXX, FL, and was nowhere near Illinois. I have a screenshot of this notification. Fraudulent Credentials : The attacker added a XXXX XXXX debit card and a fraudulent mailing address to my account. I do not have a XXXX XXXX account, and I have XXXX association with the address added. Timing of Theft : XXXX transfers from my XXXX XXXX XXXX XXXX funds were instantly withdrawn to this unrecognized card. PayPal 's Failure to Investigate : Despite immediate reportingI called customer service that night and spoke with an agent at XXXX XXXX on XXXX XXXX has denied my disputes. They claim the activity was 'regular ' and 'consistent with my history. ' This is impossible because : I have never logged in from XXXX from an iphone i literally have an adroid and paypal 's system can see that! I have never used a XXXX XXXX card on this account. I have never added the fraudulent address associated with the card. Legal Violations : Under Electronic Fund Transfer Act ( EFTA ) Regulation E ( 12 CFR 1005.6 ), my liability for reported unauthorized transfers is capped at {$50.00}. PayPal is violating federal law by demanding I pay back {$4000.00} for a theft facilitated by their security flaws. I demand a full reversal of the negative balance and a restoration of my account. '' How to Attach Your Evidence When you reach the " Attach documents '' step of the complaint, upload the following files : The Screenshot : The email or app notification showing the Chicago, IL login. Proof of Identity/Location : A photo of your Florida Drivers License or a utility bill from the day of the theft ( XX/XX/XXXX ) showing you were in XXXX XXXX XXXX The Police Report : Include the XXXX XXXX Police Department case number. This is crucial for identity theft cases. What Policies They are Violating By including these specific terms in your complaint, you are signaling to the CFPB that you know your rights : Negligence in " Know Your Customer '' ( XXXX ) Standards : They allowed a card to be added where the name on the card did not match the account owner ( you ). Regulation E Investigation Failure : Banks are required to conduct a " reasonable investigation ''. Ignoring a XXXX difference in login location is considered an unreasonable investigation. Breach of User Agreement : PayPal 's own Liability for Unauthorized Transactions policy states you won't be held liable for eligible unauthorized transactions if reported promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
Dear Cash App Support Team, I am writing to formally request a review of the recent closure of my Cash App account. I was very surprised and concerned to learn that my account had been closed, especially without clear explanation or warning. I have consistently used Cash App responsibly for my everyday needs, including groceries, toiletries, and other household expenses. Most recently, I completed a transaction through XXXX, and shortly afterward, I was notified that my account had been flagged for suspected fraudulent activity. I want to clearly state that I have never engaged in, nor would I ever engage in, any form of fraudulent behavior. This situation has caused significant inconvenience, as I rely on Cash App for essential purchases. I respectfully ask that you thoroughly review my account activity, particularly the XXXX transaction in question, and reconsider your decision to close my account. I value the services Cash App provides and would greatly appreciate the opportunity to have my account reinstated. Please let me know if any additional information or documentation is required from me to assist in resolving this matter. Thank you for your time and attention to this issue. I look forward to your prompt response and a fair resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation