vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I sent XXXX XXXX payments totaling {$3600.00} from my Navy Federal checking account to an individual identifying as XXXX XXXX XXXX {$2000.00} ( Payment ID : XXXX ) and {$1600.00} ( Payment ID : XXXX ). The payments were induced through fraudulent business documents including a fake Non-Compete/Non-Disclosure Agreement and a Commitment Letter under the names XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX which XXXX claimed affiliation with United States XXXX XXXX XXXX XXXX The subject pressured me via text to alter the contract price from {$5000.00} to {$3600.00}, then immediately ceased all communication once funds were received. I reported the fraud to Navy Federal on XX/XX/year>, submitted a formal dispute via Secure Message with full evidence including the fraudulent contract, text messages, and XXXX receipts, and requested a Letter of XXXX. Navy Federal denied my claim stating the payments were authorized without providing investigation documents or the XXXXXXXX XXXX XXXXXXXX requested. Supporting reports already filed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: PA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting on my student loan accounts. During the COVID-19 period, my loans were placed into administrative forbearance. During this time, I was under the understanding that my accounts were in good standing and no payments were required. I did not receive any clear notification that my account status had changed or that payments had resumed. Without prior notice of delinquency, I subsequently discovered that my account was reported with multiple 90-day late payments. I did not receive any 30-day or 60-day delinquency notifications prior to these severe negative marks being reported. At all times, I believed my account to be current or properly managed under forbearance conditions. Additionally, I have private student loans which I promptly paid off in full once I became aware of their status. This further demonstrates my willingness and intent to remain current on all obligations when properly informed. I disputed this information with the credit bureaus, and the account was verified as accurate without providing sufficient documentation or explanation of how this determination was made. I also requested verification of the debt, payment history, and reporting accuracy, but no meaningful documentation was provided. I am requesting : A full investigation into the accuracy of the reported late payments Documentation supporting how these delinquencies were determined and reported Correction or removal of any inaccurate late payment history This reporting has significantly impacted my credit, and I believe it does not accurately reflect my payment history or the circumstances surrounding administrative forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: NJ

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
During the XXXX holiday 2025, someone hacked into my XXXX and successfully drained it. They successfully did it twice more and the bank had to issue blocks on everything but my bill autopay. XXXX XXXX called me in XXXX XXXX that the hackers got my XXXX check before it hit the bank. My information is on the dark web as I just got a notice. My information is everywhere and thats why I put a freeze on all 3 bureaus but a couple got in. If I dispute anything, they already have my information but thats it, no proof of application, payments or anything else but my personal information thats out there. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
1 - I received a letter from Fifth Third bank dated XX/XX/year> stating that mu line of credit was suspended based on my credit profile. The letter stated that my XXXX credit score was XXXX as of XX/XX/year>. This is not my credit score. My XXXX credit score is currently XXXX and has not been lower then XXXX for the last 12 months. 2 - I met with a Fifth Third bank representative at my local branch on XX/XX/year> to explain the problem 3 - I received a call back on XX/XX/year> explaining that nothing could be done until the bank completed their next monthly review of my account 4 - I sent an email to the branch manager on XX/XX/XXXX stating that the bank 's reply was unacceptable and I requested that someone conduct a manual review of my account. 5 - I received a call back from the branch manager several days later. She said she spoke with people at their corporate office and that nothing could be done at that time. She said they had to work through their process. 6 - I filed a dispute with XXXX around XX/XX/year> to see if they could help to resolve my problem. I disputed the fact that Fifth Third bank used an incorrect XXXX score and that the statement of " Account Suspended '' by Fifth Third bank on my credit file should be removed. 7 - Fifth Third bank replied to my dispute on XX/XX/year> by affirming that my account was suspended. They did not address my claim that they used an incorrect credit score to determine that my Heloc credit line be suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I am disputing the reporting of a charge-off account with IQ DATA XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX reporting a balance of {$9300.00}. I do not have access to this account and have not been provided with the information I am entitled to review. I want to see the complete account history from a {$0.00} balance to the present balance, the date of first delinquency, the date the account was charged off, and the amount at charge-off. I am also requesting a copy of the original signed agreement for verification. Additionally, this furnisher failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were obligated to send me a Negative Information Notice ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) and an Adverse Action Notice ( 15 U.S.C. 1681m ). I never received either. These failures denied me the opportunity to address the account or dispute my credit report and constitute FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth Third bank coming for {$500.00} for an account that was closed in 2010, saying interest has accrued over time. Ridiculous! I owed them {$20.00}. I left the bank back then because they were charging {$37.00} overdraft fees and daily fees of {$8.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was gifted two American Express gift card with balances of {$25.00}. The card has been repeatedly declined despite having sufficient funds. Customer support has not resolved the issue. I am requesting a refund of the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing this complaint regarding a denied dispute for a {$250.00} transaction that I reported as fraud. On XX/XX/XXXX, I sent {$250.00} through XXXX XXXX for a logo design service. The individual I paid failed to deliver the promised service and stopped responding after receiving payment. This was not a legitimate transaction, but a clear case of fraud and misrepresentation. I submitted a dispute with Chime and provided supporting evidence, including proof of the agreement, communication with the individual, and the fact that no services were ever delivered. Despite this, my dispute was denied, and the temporary credit of {$250.00} was removed from my account, leaving me in a negative balance. This situation falls under fraudulent activity, as I paid for services that were never rendered. I did not receive what I paid for, and the other party acted in bad faith. I am requesting that Chime conduct a thorough reinvestigation of my claim and provide a detailed explanation of why my evidence was not sufficient. Additionally, I am requesting that my {$250.00} be refunded and my account be restored to good standing. I also request clarification on Chimes policies regarding scams and non-delivered services, as this appears to be a failure to protect consumers from fraudulent transactions. This has caused financial hardship, and I expect a fair resolution based on the evidence provided. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
I am filing a complaint regarding a sudden increase in my mortgage payment. My monthly payment increased from {$870.00} to {$1300.00} effective XX/XX/year>. I only received notice of this increase approximately 20 days in advance. I did not receive a detailed escrow analysis or proper advance written notice explaining the change. It's my understanding under the Real Estate Settlement Procedures Act, mortgage companies are generally required to give at least 30 days ' notice before a new escrow payment takes effect. I understand that increases may occur due to changes in property taxes and/or homeowners insurance. This short notice does not give me adequate time to review or prepare for such a significate increase. However I am requesting the following : 1. An explanation as to why I did not receive an email notification from Standard notifying me of the increase. I realize after receiving the payment booklet, to get on line and check for an escrow analysis. A new payment booklet alone is NOT considered proper notification. 2. Confirmation that all legal notice requirements were followed prior to implementing this increase. 3. I am asking that the increase be made effective XX/XX/year> due to improper notification. As this increase of nearly {$500.00} per month is substantial and creates an immediate financial hardship.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am filing a complaint regarding my banks failure to return an ACH direct deposit in a timely manner. On XX/XX/year>, a direct deposit in the amount roughly of {$49000.00} was sent to my account. The funds were not properly applied ( or could not be accepted ), and the bank has failed to return the funds to the originating creditor within the standard timeframe required under NACHA rules. It has now been 47 days, and despite multiple attempts to resolve this directly with the bank, they have not provided a valid reason for the delay, nor have they confirmed that a return has been initiated. I have also not been provided with an ACH return trace number or expected completion date. The bank is effectively holding funds without justification and not following standard ACH processing timelines ( typically 25 business days for returns ). I am requesting that the bank : 1. Immediately process and complete the return of the funds to the originating institution 2. Provide written confirmation, including the ACH return trace number and date processed 3. Explain the reason for the delay This delay is causing financial harm and should be addressed promptly.

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 2026-04-15 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a rent payment of {$1200.00}, which was later returned for insufficient funds. This occurred after Navy Federal reversed a provisional credit related to an active dispute on or around XXXX XXXX XXXX The reversal caused my checking account to go negative. Immediately after, Navy Federals system initiated an automatic overdraft protection transfer of {$640.00} from my savings account to my checking account. This sequence of events directly impacted my available funds and caused my rent payment to be rejected. At the time the provisional credit was reversed, the dispute was still being contested, and merchant credits are currently pending in my account. I contacted Navy Federal, including speaking with a supervisor, to request a reversal or accommodation due to the financial hardship caused by this chain of events. My request was denied, and I was informed that the actions taken were in accordance with policy. This situation was not caused by overspending, but by the timing of the dispute credit reversal and the automatic overdraft transfer, which created a negative balance and led to a returned payment and additional fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am reporting unauthorized access and fraud on my Cash App account that occurred on XX/XX/XXXX. At approximately XXXX XXXX, my account shows a new device login that I did not authorize. And I had been logged out while I was asleep I woke up to the alerts on my phone.Additional unauthorized login attempts occurred around 15 minutes later and then all my money was gone. The individual who accessed my account also changed my Cash App display name from just my first and last name to my full legal name without my permission, further confirming unauthorized control of my account. Following this unauthorized access, the individual performed multiple fraudulent actions without my consent, including : Borrowed funds : {$150.00} and {$75.00} ( Cash App Borrow ) Attempted to add {$25000.00} from a linked checking account ( failed ) Added multiple smaller amounts from my linked XXXX XXXX debit card ( including {$39.00} and {$38.00} ) Purchased XXXX in multiple transactions ( including {$75.00} and {$150.00} ) Withdrew XXXX totaling approximately {$210.00} to an external wallet These transactions were not authorized by me and occurred as a direct result of unauthorized account access. I did not initiate any XXXX purchases, withdrawals, or borrowing activity. This is a clear case of account takeover and fraudulent lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I am filing a complaint against PNC Bank for failure to properly investigate and resolve errors under Regulation E. Beginning in XX/XX/XXXX and continuing into XXXX, XXXX, multiple merchants confirmed receiving duplicate paymentsone initiated by me through bill pay and an additional payment processed by PNC without authorization. These duplicate and triple transactions occurred without my consent or my husbands authorization in a one month transaction. Despite notifying PNC and requesting that transactions be stopped, payments continued, resulting in : Multiple overdrafts and NSF fees Depletion of our account Inability to pay essential living expenses Withdrawal of funds from our XXXX to cover losses PNC has since claimed the issue is not fraud and closed their investigation without properly addressing the duplicate transactions or providing adequate resolution under Regulation E. Additionally : PNC failed to stop transactions after authorization was revoked PNC allowed payments to continue while the account was overdrawn PNC has not provided a full transaction trace or explanation of how duplicate payments were processed I am requesting : Full reimbursement of all duplicate and unauthorized transactions Reversal of all associated fees Compensation for financial harm caused by these errors A full and transparent investigation into transaction processing failures This is not a fraud dispute, it is a failure of error resolution and improper processing of electronic fund transfers under Regulation E. I did not set up or approve any automatic withdrawals or duplicate payments to the merchants in question. Any such transactions were not authorized by me. I support the dispute filed regarding these transactions and confirm they were not initiated or approved by me. My husband XXXX XXXX confirmed this with me except for XXXX XXXX XXXX XXXX which he signed and approved a recurring payment which lead to three in XX/XX/XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital one credit turned off credit cards then charged them off and I requested a 1099-c and was told no according to to the fcra 15us code 1681a ( b ) 2 these accounts need to be removed for inaccurate information on credit report to all three bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, my Chime account was closed. The same day, a refund of {$150.00} posted to the account from XXXX XXXX. > I immediately initiated an outbound ACH transfer for {$150.00} to my XXXX XXXX account ending in XXXX. XXXX XXXX app showed funds are on the way with delivery by XX/XX/year>. > I called Chime support on XX/XX/year>. After being transferred, a representative told me the ACH transfer will NOT complete and will be returned as Account Closed. The rep stated Chime will mail a cashiers check for the full {$150.00} balance within 14 calendar days to my address on file. > Critical issue : I am not at my address on file. I informed the rep I am currently at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX and need the check mailed there to XXXX XXXX. The rep said they had to escalate this due to the address change and that they can not send it overnight. > I requested : 1 ) The representatives name, 2 ) A case or complaint ID number, 3 ) Written email confirmation of the check amount, mail date, and address. I was denied all three. I was also denied transfer to a supervisor because the rep said they would do the same thing. > Chime has accepted my deposit but is refusing to provide timely access to my {$150.00} or written confirmation of disbursement as required under Regulation E. I have no case number and no way to track the escalation.

Company response to consumer: Closed with explanation