vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased an airline ticket from XXXX XXXX. The ticket was later canceled, and on XX/XX/XXXX, a refund process was initiated. The transaction was withdrawn on XX/XX/XXXX. XXXX XXXX issued XXXX refunds : {$330.00} ( Case # XXXX ) {$43.00} ( Case # XXXX ) On XX/XX/XXXX, I submitted all required supporting documentation to Bank of America for both refund claims. Within XXXX business days, Bank of America approved and credited only {$43.00} to my account. However, the {$330.00} refund was denied, with the explanation that it fell outside the dispute time frame. This decision is inconsistent and incorrect because both refunds were issued at the same time by the merchant and were submitted together with the same documentation. The bank processed one refund but denied the other without a valid justification. I have made multiple attempts to resolve this issue, including visiting the bank several times and resubmitting documents, most recently on XX/XX/XXXX, to reopen the case. Each time, I was told that it is too late, despite the fact that the merchant has already issued the refund. As a result, I am still missing {$330.00} that should have been credited to my account. This has caused financial loss and significant inconvenience due to repeated efforts to resolve the issue.

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 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I applied for a credit card with Capital One about a year and a half ago. The credit card payments were being made regularly out of nowhere. The credit card company closed my account telling me that there's unusual activity that doesn't align with their policies. There was no details explaining why my account was shut down what unusual activity was being done now when I try to apply for a credit card they're denying me for the same reason saying that there's been unusual activity on past account not providing me any real explanation as to what was done to cause the account to close, forcing me to file for bankruptcy and use that account as part of my bankruptcy now that I'm trying to rebuild my credit they're denying me for the same reason again no clear explanation as to what was done and not allowing me to open an account now it's causing issues with XXXX as they now partner with XXXX and XXXX will not allow me in a count with them either

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Request for Goodwill Adjustment To Whom It May Concern, I am writing regarding my account with Ally Financial. I would like to sincerely request a goodwill adjustment for late payments reported on my account. This account has since been paid in full and reflects a XXXX balance. Since that time, I have worked diligently to improve my financial stability and maintain positive payment habits. The late payments occurred during a challenging period in my life, and I take full responsibility. However, I respectfully ask that you consider removing these late payment notations as a gesture of goodwill. Maintaining this account in good standing would greatly support my continued efforts to strengthen my credit profile. Thank you for your time and consideration. 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 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of fraudulent accounts on my credit report. These accounts are a direct result of identity theft, and their presence on my report violates my rights under federal law, specifically FCRA 605B. I demand their immediate removal, as required by law.After reviewing my credit report, I identified the following unauthorized accounts, which I did not open, authorize, or recognize : Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 605B, upon receipt of my dispute, the credit bureau is required to block the information of fraudulent accounts within four business days. Do not turn this into a 30 day dispute. This law explicitly protects victims of identity theft and mandates immediate action upon receiving : A police report or similar document indicating the theft.My written statement disputing the accounts.Identification to verify my identity.Enclosed are the following documents : A copy of my government-issued ID.Address Verification.A copy of the identity theft report I filed.These fraudulent accounts are negatively impacting my credit and financial standing, and their presence is entirely unjustified. Any delay or refusal to remove these accounts promptly is a direct violation of federal law and my consumer rights.Failure to comply will leave me no choice but to escalate this matter.Please confirm in writing that these accounts have been removed or provide an explanation for any action taken. As stipulated under 15 U.S.C. 605B, I expect full compliance within the legally mandated time frame.I trust that you will handle this matter with the urgency it demands.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Beginning in late XXXX, unauthorized charges began appearing on my checking account from two companies XXXX and XXXX. The charges appeared as recurring " Adjustment - Debit '' transactions in varying amounts of {$65.00}, {$29.00}, {$20.00}, and {$5.00}, occurring multiple times over several months. I filed a fraud dispute with my financial institution, Navy Federal Credit Union. After their investigation and a subsequent appeal, Navy Federal determined I was at fault and denied my refund request. The escalation case was formally closed on XX/XX/XXXXXXXX with no resolution offered. I then contacted both companies directly. XXXX investigated and determined the account associated with my information was fraudulent. They confirmed this in writing, permanently cancelled the account, and issued refunds not as a courtesy, but as an acknowledgment that fraud had occurred. XXXX acknowledged the unauthorized charges and issued a partial refund, with the remainder confirmed to be in process. Despite written admission of fraud from XXXX and refund action from both companies, XXXX XXXX has refused to reopen the investigation or refund the remaining balance of unauthorized charges on my account. I should not bear financial responsibility for charges that the originating companies themselves have confirmed were fraudulent. I am requesting that XXXX XXXX be required to issue a full refund for all unauthorized charges not already returned directly by these companies, and that their dispute investigation process be reviewed.

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 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I purchased a vehicle on XX/XX/year> and returned it to the dealership within XXXX hours on XX/XX/year>. Despite returning the vehicle, a loan was still activated in my account with Capital One. I contacted Capital One multiple times, including the Office of the President, and was informed that the cancellation process had been initiated. However, the dealership states that they have not received any communication from Capital One and continues to treat the loan as active. I have evidence confirming that the vehicle was returned, including video footage. This situation has caused confusion and concern, as I should not be responsible for a loan on a vehicle that was returned. I am requesting immediate cancellation of this loan and confirmation that I am no longer financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Since XXXX I've been missing a refund deposit since XX/XX/XXXX {>= $1,000,000}, and then negate the one prior to that of {$1400.00}, and then my mother was wrongly issued and Label as my payee, when she wasn't even supposed to be alive.Using my money to take care of her and her wives, Partners bills in XXXX XXXX XXXX.I need my money issue to me now since I see XXXX XXXX on nobody else been put 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 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: MI

Complaint narrative:
Recently reported this debt resulting from identity THEFT ORIGINAL CREDITOR IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of fraudulent accounts on my credit report. These accounts are a direct result of identity theft, and their presence on my report violates my rights under federal law, specifically FCRA 605B. I demand their immediate removal, as required by law.After reviewing my credit report, I identified the following unauthorized accounts, which I did not open, authorize, or recognize : Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 605B, upon receipt of my dispute, the credit bureau is required to block the information of fraudulent accounts within four business days. Do not turn this into a 30 day dispute. This law explicitly protects victims of identity theft and mandates immediate action upon receiving : A police report or similar document indicating the theft.My written statement disputing the accounts.Identification to verify my identity.Enclosed are the following documents : A copy of my government-issued ID.Address Verification.A copy of the identity theft report I filed.These fraudulent accounts are negatively impacting my credit and financial standing, and their presence is entirely unjustified. Any delay or refusal to remove these accounts promptly is a direct violation of federal law and my consumer rights.Failure to comply will leave me no choice but to escalate this matter.Please confirm in writing that these accounts have been removed or provide an explanation for any action taken. As stipulated under 15 U.S.C. 605B, I expect full compliance within the legally mandated time frame.I trust that you will handle this matter with the urgency it demands.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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of fraudulent accounts on my credit report. These accounts are a direct result of identity theft, and their presence on my report violates my rights under federal law, specifically FCRA 605B. I demand their immediate removal, as required by law.After reviewing my credit report, I identified the following unauthorized accounts, which I did not open, authorize, or recognize XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C. 605B, upon receipt of my dispute, the credit bureau is required to block the information of fraudulent accounts within four business days. Do not turn this into a 30 day dispute. This law explicitly protects victims of identity theft and mandates immediate action upon receiving : A police report or similar document indicating the theft.My written statement disputing the accounts.Identification to verify my identity.Enclosed are the following documents : A copy of my government-issued ID.Address Verification.A copy of the identity theft report I filed.These fraudulent accounts are negatively impacting my credit and financial standing, and their presence is entirely unjustified. Any delay or refusal to remove these accounts promptly is a direct violation of federal law and my consumer rights.Failure to comply will leave me no choice but to escalate this matter.Please confirm in writing that these accounts have been removed or provide an explanation for any action taken. As stipulated under 15 U.S.C. 605B, I expect full compliance within the legally mandated time frame.I trust that you will handle this matter with the urgency it demands.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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
There was no direct contact for customer service to gain explanation for certain charges nor a way to dispute unidentified charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
I am a victim of identity theft and I have been receivingmail and harassing and threatening telephone calls of profane, vulgar and abusive language from Credit Collections regarding a debt collection account from XXXX XXXX that is a fraudulent debt collection account and not my debt collection account. The Credit Collections account currently listed and showing on my XXXX, XXXX XXXX and XXXX credit report is a fraudulent debt collection account. Credit Collections is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Subject : Supplemental Complaint Inaccurate & Inconsistent Reporting ( Portfolio Recovery ) * Account ending in XXXX Narrative : I am submitting this supplemental complaint regarding Portfolio Recovery Associates for continued inaccurate and inconsistent credit reporting. After my prior disputes and complaint, I have identified multiple reporting inconsistencies that raise serious concerns about the accuracy and compliance of this account under the Fair Credit Reporting Act ( FCRA ). Specifically : The account reflects a balance of approximately {$690.00} on my credit report, while Portfolio Recoverys prior verification correspondence reflects a significantly lower balance ( ~ {$390.00} ), indicating a clear discrepancy in the amount allegedly owed. Additionally, the Date Reported has changed inconsistently, reflecting XX/XX/year> on TransUnion and then reverting to XX/XX/year> on subsequent reporting. This backward movement of reporting dates is indicative of unreliable and potentially manipulated data reporting. The documentation previously provided by Portfolio Recovery does not constitute proper verification of the debt, as it lacks : Proof of ownership or assignment Chain of title from the original creditor Complete account-level accounting from origination through charge-off These inconsistencies demonstrate that Portfolio Recovery is reporting information that is not accurate, not consistent, and not properly verified, in violation of : FCRA 623 ( a ) ( 1 ) ( A ) Duty to report accurate information FCRA 623 ( b ) Duty to conduct a reasonable investigation At this point, I am requesting : 1. Immediate deletion of this account from all credit reporting agencies 2. A full explanation of how the account was verified despite the discrepancies noted above 3. Documentation proving legal ownership and the right to collect and report this alleged debt If these issues are not resolved, I am prepared to escalate this matter further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Acceptance, LLC
State: NM

Complaint narrative:
my vehicle was repossessed for falling into debt possession team made no notification of repo company simple took it without saying anything then a XXXX months go by and i noticed they are just charging me monthly and hadn't received any notice of intent to sale only what amount is needed to reinstate and they have continued since to charge me monthly i yave requested they notify me of if the car will be auctioned and they said they will but haven't received any info regarding the Intent to sell at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally express my serious concern regarding a partial claim recorded against my property under the following account information : Borrower : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX NC XXXX Loan Number : XXXX FHA Case Number : XXXX It has come to my attention that a loan modification added approximately {$90000.00} to my existing loan balance. This amount is wholly unacceptable and, I believe, constitutes an abusive and erroneous action. The loan modification in question only reduced my monthly mortgage payment by less than {$100.00} an amount so minimal it provided virtually no meaningful financial relief and did nothing to stabilize my housing situation. At no point did I borrow {$90000.00}, nor did I authorize such an addition to my loan. Furthermore, at the time of my first loan modification, I was fewer than {$5000.00} behind on my payments a relatively minor delinquency that in no way justifies an addition of this magnitude to my loan balance. The negligible reduction of less than {$100.00} in my monthly payment is, in fact, one of the primary reasons combined with a subsequent reduction in my income that I now find myself in need of a second, more feasible loan modification. The first modification simply did not help. I am formally requesting that the {$90000.00} amount be investigated and removed from my loan immediately, as it does not reflect any funds I received or debt I incurred. Due to my current age and reduction in income, I am actively pursuing a second loan modification. The improper {$90000.00} addition is creating a significant barrier to this process and must be resolved without delay. Please be advised that if this matter is not resolved promptly and satisfactorily, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as contacting my U.S. Congressman and U.S. Senator regarding this matter. I will not allow this abusive and unauthorized charge to go unaddressed. Additionally, please be advised that my daughters, XXXX XXXX and XXXX XXXX, are fully authorized on this account with full access and full authorization to act, communicate, and receive information on my behalf. Please copy them on all correspondence going forward. I respectfully request a written response acknowledging receipt of this complaint, a full explanation of how and why this {$90000.00} was added to my loan, and immediate corrective action to remove the erroneous amount. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation