vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
On XX/XX/year> a payment was made to our mortgage company United Wholesale Mortgage in the amount of {$4500.00}. United wholesale mortgage is stating the payment was never received due to insufficient funds. However they did successfully take the money. After they took the money they tried to withdraw it XXXX more times after that for some odd reason which is why it is showing insufficient funds. We have sent numerous faxes showing bank statements and have provided letters from our bank proving the money was successfully taken. No resolution has happened and our mortgage loan is now showing in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Wells Fargo regarding their handling of a disputed transaction and failure to comply with Regulation E requirements. The issue involves a charge of {$1400.00} from XXXX # XXXX dated XX/XX/year>. I attempted to use my Wells Fargo card for this transaction, but it returned an error. I then successfully completed the purchase using a different card ( XXXX XXXX XXXX card ending in XXXX ). Despite the failed attempt, Wells Fargo still posted the charge to my account. I filed claim number XXXX on XX/XX/year>, and submitted supporting documentation the same day, including a receipt proving the purchase was completed using a different card. I resent the documentation on XX/XX/XXXX, and receipt was confirmed. The merchant has confirmed that the transaction should not have been processed on my Wells Fargo card and advised me to resolve the issue with my bank. Wells Fargo informed me that I would receive an update within 10 business days or a provisional credit, as required under Regulation E. As of XX/XX/year>, more than 10 business days have passed, and Wells Fargo has neither provided an update nor issued a provisional credit. I believe this is a violation of my rights under Regulation E, which requires timely investigation and provisional credit when applicable. I am requesting the CFPBs assistance in ensuring Wells Fargo : Complies with Regulation E requirements Issues the appropriate provisional credit immediately Thank you for your time and assistance in this matter.

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
participated in Coinbases XXXX XXXX XXXX promotion in XX/XX/year> and correctly made the required predictions. I received confirmation within the Coinbase app that I am a winner and eligible to receive a share of the {>= $1,000,000} Bitcoin prize pool. Coinbase stated that payouts would be completed no later than XX/XX/year>. As of XX/XX/year>, I have not received my Bitcoin payout. I have contacted Coinbase support multiple times and was given an internal case number ( XXXX ). Coinbase support has confirmed that I am an eligible winner and that I should have received the payout, but no funds have been credited to my account. I have attempted to submit a formal complaint through Coinbases official complaint form, but the form fails due to a verification error and can not be completed. This has prevented me from submitting a formal complaint directly through Coinbase. I am requesting that Coinbase immediately issue my Bitcoin payout as promised or provide a clear explanation and timeline for payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Subject : Unauthorized ACH withdrawals improper fraud investigation I am filing this complaint regarding unauthorized electronic fund transfers from my bank account at Chase Bank. Over the course of approximately one month, multiple unauthorized withdrawals were made from my account and sent to a XXXX XXXX account belonging to another individual. These withdrawals occurred in repeated small amounts, sometimes up to 14 transactions in a single day, typically around {$20.00} each, and later escalating to several {$100.00} transfers. The total amount stolen from my account exceeds {$6000.00}. I immediately reported these transactions to Chase and opened a fraud claim. However, Chase denied the claim and stated that the transactions were processed according to the information provided, without explaining how the transfers were authorized or providing evidence that I approved them. I did not authorize these transactions, did not link my bank account to the receiving XXXX XXXX account, and did not provide anyone permission to withdraw funds from my account. Under Regulation E, financial institutions are required to conduct a reasonable investigation into unauthorized electronic fund transfers. Given the clear pattern of structured withdrawals and the fact that the funds were sent to a third-party XXXX XXXX account not controlled by me, I believe Chase failed to properly investigate this fraud claim. I am requesting that Chase : Reopen and properly investigate my fraud claim Provide documentation showing how the XXXX XXXX account was authorized to withdraw funds from my bank account Provide device, IP, and authorization records associated with these transfers Reimburse the unauthorized transactions totaling approximately {$6000.00} I am also requesting that Chase block any future unauthorized ACH withdrawals from my account and confirm the steps taken to secure my account. I expect a full investigation and written explanation of the findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC
State: FL

Complaint narrative:
I am submitting this complaint regarding a loan account I have with LendNation and the way my payments have been applied and reported. I have made payments toward this loan in good faith. However, I have discovered that the way LendNation applies my payments directs the majority, if not all, of each payment toward interest instead of reducing the principal balance. Because of this structure, even though I have been making payments, the principal balance is not meaningfully decreasing. This creates a situation where it is nearly impossible for me to catch up or reduce the overall balance of the loan. Despite making payments, the balance continues to remain high because the payments are not being applied toward the principal in a reasonable way. In addition, LendNation is reporting this account to the credit bureaus in a way that does not accurately reflect the payments I have made. This reporting is negatively affecting my credit and does not appear to properly represent my payment history. Sincerely, 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 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: MD

Complaint narrative:
Carmax financial has been reporting XXXX day late payments to the credit bureaus impacting my credit score tremendously. I have contacted carmax 3different occasions regarding this issue. The explanation is that they are not showing any late payments that have been reported, I am not late, and that it should not show any late payment status within the credit bureaus. As of today, it is still reporting late when I am current on my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this formal complaint against Citibank regarding an unreasonable and prolonged hold on my funds for over five ( 5 ) months. The funds in question were transferred via ACH into my personal account. These funds originate from legitimate business activities, and I can fully document and verify their source. The transfers were made between accounts that I own or am directly associated with, and all transactions are supported by proper records, including bank statements and business documentation. Despite my cooperation and willingness to provide all necessary documentation, Citibank has failed to release my funds or provide a clear, detailed explanation for this extended hold. I have not received any formal notice indicating a legal investigation, court order, or specific regulatory reason that justifies withholding my money for this length of time. This situation is causing significant financial hardship and is negatively affecting my business operations. A delay of over five months without resolution is excessive and unacceptable. I respectfully request the following : 1. Immediate release of my funds, or 2. A clear written explanation detailing the legal or regulatory basis for this hold, including any timeline for resolution. If this matter is not resolved promptly, I am prepared to pursue further legal action. Thank you for your attention to this matter. Funds held by the bank {$14000.00}

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Comenity Bank regarding inaccurate and incomplete reporting of a charged-off account. This account does not reflect a clear or consistent delinquency timeline and lacks a properly established Date of First Delinquency. The reporting appears incomplete and does not provide a verifiable progression leading to the charged-off status. I have disputed this account since XXXX, yet it continues to be reported as verified without any documentation being provided. This inaccurate and incomplete reporting does not meet proper credit reporting standards and has negatively impacted my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX advertisement states that once you settle the debt with them it will be deleted from the bureaus! Both of my pending accounts held by them have been resolved through full payment of the debts ; however the debt remained listed under them on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
To : Consumer Financial Protection Bureau Complaint Against : Citibank N.A. Account in Question : Citibank Credit Card ( Account Number Last 4 Digits : XXXX ) Background of Dispute : I am writing to dispute Citibank N.A. 's decision to close my credit card account and their subsequent refusal to reopen it. This closure was based on inaccurate information that first appeared on my credit report in XX/XX/year>, which does not reflect my true credit history. Sequence of Events : 1. Accurate Baseline ( Prior to XX/XX/year> ) : My credit file was accurate and in good standing prior to XX/XX/year>. I request that any reinvestigation be based on my credit report status from this period, as it represents my true creditworthiness. 2. Source of Error ( XX/XX/year> ) : In or around XX/XX/year>, inaccurate negative items were erroneously added to my credit reports by XXXX Bank. These errors triggered a chain reaction of negative reporting. 3. Resulting Closures ( XXXX XXXX ) : Any accounts that appear closed on my credit report after XX/XX/year> were closed solely as a result of the inaccurate reporting initiated by XXXX Bank. These subsequent closures do not reflect independent defaults on my part, but rather are consequences of the original reporting error. 4. Citibank Action : Based on this incorrect XXXX 2025 data, Citibank closed my credit card account ending in XXXX. 5. Request for Review : I contacted Citibank and requested they reinvestigate the closure using my correct credit history from prior to XX/XX/year>. I explained that the derogatory marks they relied upon were triggered by XXXX Bank 's inaccurate reporting and did not reflect my true creditworthiness. 6. Citibank 's Response : Citibank has upheld the closure, continuing to cite the same inaccurate closed accounts as justification, and has refused to base their decision on the accurate report that existed prior to XX/XX/year>. Regulatory Compliance : In accordance with CFPB guidelines, I have already initiated formal disputes regarding these inaccuracies with the three major credit bureaus ( XXXX XXXX and XXXX ). The mandatory 45-day waiting period has been observed.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing a complaint against both XXXX. XXXX, XXXX and Experian regarding a fraudulent account reported as an XXXX & XXXX XXXX debt. I have never done business with XXXX. XXXX, XXXX and never gave authorization for my personal information to be used, accessed, or reported. This account is the result of identity theft and unauthorized use of my personal information. Additionally, this account was previously removed from my credit file and later reinserted without proper notice, which is a direct violation of the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I was not notified within 5 days of reinsertion, nor was I provided certification of accuracy. Furthermore, this alleged debt has been resold multiple times, resulting in inconsistent, inaccurate, and unreliable reporting of account details, including balances, dates, and account history. I have formally requested validation of this alleged debt, including a copy of the original signed contract, proof of authorization, full chain of title, and an itemized statement. No competent evidence has been provided. Experian has failed to follow reasonable procedures to assure maximum possible accuracy and has continued to report unverified and fraudulent information in violation of the Fair Credit Reporting Act. Due to identity theft, unauthorized use of my personal information, illegal reinsertion, and failure to properly investigate disputed information, I am demanding the immediate and permanent deletion of this account from my credit file. If this matter is not resolved promptly, I am prepared to pursue all available legal remedies, including claims for damages under the Fair Credit Reporting Act and Fair Debt Collection Practices Act for willful and negligent noncompliance. I request written confirmation of deletion and assurance that this account will not be reinserted without full compliance with federal 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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding an auto loan account that is currently being reported with serious derogatory information, including charge-off and/or repossession status, without proper verification or supporting documentation. The account in question is : Fifth Third Bank Account No. XXXX This account is being reported without evidence that a reasonable investigation has been conducted or that the information is accurate and complete. To date, I have not received : - Documentation of the repossession process, including dates, authorization, and method of repossession - A complete breakdown of any alleged deficiency balance following the sale of the vehicle - Documentation showing how the remaining balance was calculated - A copy of any signed agreement or contract establishing liability - Evidence that the furnisher conducted a proper investigation as required under federal law Under the Fair Credit Reporting Act, specifically FCRA 611 ( a ) and 607 ( b ), all information reported must be accurate, complete, and verifiable. Additionally, under FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 3 ), furnishers must not report inaccurate information or fail to properly investigate disputed information. The continued reporting of this account without adequate documentation raises serious concerns regarding the accuracy of the balance, the validity of the repossession reporting, and overall compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a complaint regarding LVNV Funding / Resurgent Capital Services for reporting an unverifiable and inaccurate debt. Timeline of events : XX/XX/XXXX Account opened with XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Last recorded payment XX/XX/XXXX Account charged off with balance of {$980.00} XX/XX/XXXX Account allegedly acquired by LVNV Funding XX/XX/XXXX I sent a formal debt validation request XX/XX/XXXX CFPB complaint filed XX/XX/XXXX LVNV responded but failed to provide full validation XX/XX/XXXX Additional CFPB complaint filed XX/XX/XXXX LVNV responded again stating they are not obligated to provide a purchase and sale agreement and declined to provide proof of ownership Actions taken : I requested validation of the debt multiple times I disputed the account with the credit bureau The account was marked as verified despite lack of proper documentation LVNV/Resurgent has only provided an account summary, which they admit is not an original creditor record. They have refused to provide : A signed contract or agreement A full itemized breakdown of the balance Documentation proving ownership or chain of assignment Despite this, the account continues to be reported to the credit bureaus. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), which requires all reported information to be accurate and verifiable. I am requesting : Immediate deletion of this account from all credit reporting agencies A full investigation into LVNV Fundings reporting practices Documentation showing how this account was verified despite lack of proper evidence I have attached supporting documentation showing the companys refusal to provide required validation. This account is inaccurate, incomplete, and unverifiable and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my card and PIN number was compromised. Someone went to a bank at XXXX XXXX XXXX XXXX at XXXXXXXX XXXX and move {$3000.00} from my savings to my checking account.... then proceeded to go to XXXX XXXX on XXXX the XXXX made a charge for XXXX and XXXX for XXXX all in person charges..... I received a text from Chases asking if I authorized the transaction I said No and that prompted me to call.... the original person I spoke to on XXXX the XXXX did not log any information I spoke to him about.... I called Chase back on XX/XX/XXXX since I never received a email about my complaint.... I was able to them open my claim and it was closed out immediately stating it was me who authorized the charges.... and although im telling them It was not me.... no one is telling me what to do I filed a police report and a claim with FTC.... but Chase has no helped me only told me I will receive a letter in the mail with their decision and all fingers point back to me there is nothing they can do.,., Chase is telling me how this could have happened nor or they willing to look into this further... I fell my identity has been compromised and know one is willing to assist me.... I called XXXX XXXX and I was told that anyone can add a card to their wallet it doesn't have to be your card and also Chase didn't even change my PIN number if your consumer is saying someone went in my savings and moved money and it wasn't me then why isn't anything being done to protect me the consumer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX I was scammed out of money thinking I was going to be purchasing a car. The money given was for a deposit to hold said vehicles and I found out later on that night that it was a scam. I contacted M & T Bank immediately And then contacted the police department to file a complaint. I faxed the complaint with supporting documents to M & T bank and they denied the claim within not even 10 days and I was told that they would give It would be XXXX to XXXX days to investigate. I was scammed out of {$4000.00} I asked to appeal it. They won't let me appeal it and I asked for documentation and they claim they'll send it when they can.

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 2026-03-18 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
This is a follow-up to Case # XXXX. While Chase returned the principal {$550.00} on XX/XX/year>, they have refused to indemnify me for {$250.00} in overdraft fees caused directly by their unauthorized withdrawal. " " In their response dated XX/XX/year>, Chase falsely claimed 'no processing errors ' occurred. However, their own action of reversing the payment proves the withdrawal was improper. " " I am providing the XX/XX/year> statement showing seven {$34.00} overdraft fees triggered by the liquidity shortage Chase manufactured.

Company response to consumer: Closed with explanation