vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount claimed, documentation proving my legal responsibility for the debt, and proof that your company is authorized to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX initiated a new verification process for my credit card. The link didnt work so I called in. A new card was opened, but was not linked to my XXXX app or current credit card. I continued to pay the balance of my credit card through the app every month but the new card was not linked nor paid which caused missed payments. They closed both accounts. I was not aware the new card was not connected with my app ands not paid, and that XXXX requires you download an additional app to link a second card. My other XXXX card ranging from $ XXXX {$3000.00} was paid in full every month. I didnt remember opening the additional card and would have paid at least the minimum balance of {$50.00} to it had I known it wasnt linked and not being paid. I cant teach anyone at XXXX with authority to look into all the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: MO

Complaint narrative:
I placed an order with XXXX ( order # XXXX, XX/XX/year> ) for items totaling {$120.00}. Two items were charged to my account but never delivered total disputed amount {$43.00}. I contacted USPS directly regarding both tracking numbers. USPS advised that based on their experience these often are ghost labels shipping labels created by the merchant but never physically tendered to USPS. Neither package was ever delivered to my address. I made exhaustive attempts to resolve this with XXXX customer service emails bounced back as undeliverable, phone calls resulted in 30+ minute holds with no human reached, and XXXX DMs received only automated responses. XXXX is completely unreachable. XXXX reviews at XXXX confirm this is a widespread ongoing pattern affecting multiple customers. I then contacted Comenity Bank three times and was redirected back to XXXX each time despite XXXX being completely unreachable. Only after my third call did an agent agree to initiate a dispute. I also submitted a written dispute through the Secure Message Center. I have spent over 4- hours total across phone calls with zero resolution. Comenity Bank 's repeated refusal to process my dispute violates my rights under the Fair Credit Billing Act

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I am filing a formal consumer complaint against Advance Financial for an explicit violation of the Electronic Fund Transfer Act EFTA ) and Regulation E regarding unauthorized account debits. On Tuesday, XX/XX/year>, at XXXX XXXX, I sent a formal written notice via email tc XXXX and XXXX explicitly revoking all ACH authorizations, debit card authorizations. and bank draft consents for my account ( # XXXX ). Despite having clear, written notice of this revocation, Advance Financial proceeded to bypass my legal withdrawal of consent and unauthorizedly debited {$330.00} from mv bank account. I contacted the company directly to demand a refund for this illegal transaction, but they have failed to return my funds. Because this constitutes a willful violation of federal financial regulations after consent was legally revoked, I request that the regulatory authorities intervene to compel Advance Financial to return my {$330.00} immediately and permanently cease al electronic draft attempts on my account ( Note : The company is also violating the FD CPA by placing harassing collection calls to my phone on XX/XX/XXXX and XX/XX/XXXX after a written cease-and-desist, which XXXX XXXX documenting as part of their ongoing pattern of non- compliance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding SoFi bank 's handling of fraudulent debit card transactions and failure to comply with Regulation E. I disputed fraudulent transaction that posted to my checking account prior to its closure in the amount of {$10.00} from USPS. This transaction was not authorized. SoFi denied my fraud claim without providing a case number, written confirmation, or investigation timeline, and refused to clarify reimbursement procedures. After I filed a fraud claim, SoFi closed my checking account in retaliation and withheld my funds, refusing to release my money. They are engaged in discriminatory and retaliatory practices, and Im having difficulty retrieving my funds. I request that the bank immediately reopen this Regulation E claims and issue reimbursement for the unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: MS

Complaint narrative:
Issue : Failure to initiate recovery of traceable ACH funds On XX/XX/XXXX, I initiated an ACH transfer of {$4000.00} from my Way2Go/XXXX account administered by Conduent. Conduent has confirmed the transaction and provided ACH Trace Number XXXX. The receiving institution, XXXX XXXX XXXX XXXX, has confirmed that an indemnity letter from the originating bank is required to recover the funds. I formally requested that Conduent initiate this indemnity process on XX/XX/XXXX. As of today, XX/XX/XXXX, Conduent has : Not initiated the indemnity request Not identified the originating bank Not provided any confirmation of action Not responded meaningfully despite an existing CFPB complaint being marked past due The funds have not been credited to my account and have not been returned. This is a failure to cooperate in the recovery of identifiable ACH funds, despite confirmed traceability. I am requesting that Conduent be required to : Identify the originating bank Initiate the indemnity letter immediately Provide written confirmation of recovery actions These funds originated as child support and remain unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Insikt, Inc.
State: CO

Complaint narrative:
T his company has been calling me multiple times each week to refinance or take a heloc. I have NEVER contacted this company before, never heard of them in FL and have NOT submitted any requests to with any company to refinance or obtain a HELOC. I already have a 3.2 % loan and HELOC. I live in Colorado. I tried calling this company in FL main address and their mailbox is always full and can not reach anyone. XXXX in XXXX. XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank filed a fraudulent hard credit inquiry with XXXX. I tried to contact them to resolve the dispute but all contact methods listed on their website do not work. The phone number on their website ( XXXX ) answers to beeping on what sounds like a fax/data line. I filed a fraud report with the FTC but Comenity does not provide any avenues for notifying them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding Chimes denial of my unauthorized transfer disputes related to Claim ID XXXX involving a total loss of {$1200.00}. I reported that unauthorized transfers were made from my XXXX account into my Chime account and then sent through Chime Pay Friends transfers to unknown recipients without my authorization. The transfers included payments to individuals I do not know and did not authorize. I have now filed multiple disputes with Chime regarding these transactions. During the investigation process, I provided supporting evidence including : A police report An FTC identity theft/fraud report Screenshots and evidence showing my XXXX account and linked email account were compromised Information showing that an old email address associated with my Chime account ( XXXX ) had been hacked. In addition, due to the suspected fraud and compromise of my banking information, my bank institution XXXX reissued me a new debit card. I also opened a dispute directly with XXXX regarding the unauthorized activity on XX/XX/year>. Despite this evidence, Chime repeatedly concluded that no error occurred and denied reimbursement without providing documentation proving that I personally authorized these transactions. I dispute Chimes findings for the following reasons : 1. I never authorized these transfers. 2. The recipients are unknown to me. 3. My account credentials and linked accounts had been compromised. 4. My bank considered the situation serious enough to reissue my debit card and open its own dispute investigation. Chime has not provided signed authorization records, device verification evidence, IP logs, authentication records, or any documentation proving I initiated or approved the transfers. The investigation appears incomplete and inconsistent with the evidence I submitted. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, consumers are entitled to a reasonable investigation of unauthorized electronic fund transfers. I am requesting : A full reinvestigation of Claim ID XXXX Copies of all documentation and evidence relied upon in denying my claim Device login records, IP logs, authentication records, and authorization evidence connected to the disputed transactions Reimbursement of the unauthorized transfers totaling {$1200.00} if Chime can not prove valid authorization I expect a written response addressing these concerns and explaining the basis for the denial decision in detail. thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Consumer reporting agencies play an important role in collecting and reviewing peoples credit information. With that responsibility, theyre supposed to act fairly, stay unbiased, and respect consumers right to privacy. The banking system relies on credit reports being accurate and handled properly, and when theyre not, it damages the trust people have in the system. I never gave written permission for these agencies to share or report my information, which I believe violates 15 U.S.C. 1681b ( 2 ). Because of that, this situation appears to involve identity theft under 15 U.S.C. 1681c-2. The accounts being reported are not connected to any transactions I made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Consumer reporting agencies play an important role in collecting and reviewing peoples credit information. With that responsibility, theyre supposed to act fairly, stay unbiased, and respect consumers right to privacy. The banking system relies on credit reports being accurate and handled properly, and when theyre not, it damages the trust people have in the system. I never gave written permission for these agencies to share or report my information, which I believe violates 15 U.S.C. 1681b ( 2 ). Because of that, this situation appears to involve identity theft under 15 U.S.C. 1681c-2. The accounts being reported are not connected to any transactions I made.

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tromberg, Miller, Morris & Partners, PLLC
State: FL

Complaint narrative:
Asked for the purchase agreement signed by all parties, Asked for a debt validation letter, and to send all communications in writing. The company proceeded to hang up on me on both times I tried to ask for this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount claimed, documentation proving my legal responsibility for the debt, and proof that your company is authorized to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am disputing the accuracy of the collection account reported by XXXX XXXX XXXX for approximately {$2700.00}. I do not believe I am responsible for this alleged debt and have repeatedly requested documentation establishing liability. Despite my disputes, the furnisher has not provided a signed lease, rental agreement, account ledger, move-out statement, or any other documentation demonstrating that I owe this debt. The only information provided has been a generic collection notice, which does not establish liability. This account was previously disputed with other credit reporting agencies and is no longer being reported by them, yet it continues to appear on my TransUnion credit report. This inconsistency raises concerns regarding the accuracy and verification of the information being furnished. Pursuant to the Fair Credit Reporting Act, I request that TransUnion conduct a reasonable reinvestigation, require the furnisher to provide competent evidence supporting the account, and delete the account if it can not be properly verified.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Instead of helping me as a victim of fraud the bank has treated me as though I am responsible for the unauthorized activities.i have not been given a clear explanation regarding the investigation, i feel like Ive been unfairly blamed while trying to protect my account and finances.I was recently informed my accounts will be closed by XX/XX/XXXX they said they no longer wanted a relationship with me.All this has caused me additional financial stress. I believe the bank failed to properly protect my account also failed to adequately investigate the fraud they failed me during this process.

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 2026-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
This started a before last week I received a call from a guy named XXXX XXXX he told me he is with chime fraud department and proceeded to tell me that someone tried to use my bank card at a XXXX in XXXX Georgia I told him I didn't I was never in XXXX Georgia I do travel because I'm a truck driver but I can not go to XXXX Georgia. Then he told me that they try to pull out {$360.00} XXXX usually get fraud alerts for this particular time I didn't get one so last week at XXXX am I get a call from XXXX XXXX say to transfer my money to be put on hold and send to this person ola I should have done it but I did he was said I will get my money next week for the dispute which I don't know what the street was I informed my bank. Asking if they had the fraud department and inform them what expired they did a dispute but then the closer say it was no error so I lost My whole paycheck {$1000.00} I did not trying to recover it back I don't know how this person got my number or anything or knowing that I was banking with chime I do not get my information out to nobody

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: UT

Complaint narrative:
I opened a key bank checking account under their new account offer which promised a {$500.00} incentive to open the account and setup direct deposit. I met all the requirements, waited the specified timeframes and no bonus. I have brought this complaint to my local branch and the call center. They have acknowledged I have met the requirements but it has been weeks with no contact and no account bonus.

Company response to consumer: Closed with monetary relief