vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX, XXXX I was going into my account to send my rent payment through XXXX but then I noticed my balance is not what it supposed to be. There were multiple transactions going back all the way to XX/XX/XXXX for XXXX, XXXX, gas station charges and most recently a payment of XXXX for car insurance. I don't have a car, I do not even have a license. I went into the bank the next day and I sit down with a banker and printed my statement and went through each one at a time and let them know I had no Knowledge of these. I let them know what I did spend on and which ones I am aware of. Today XX/XX/XXXX I called the bank after no calls or emails from them to understand what is happening and they said my claim has been denied. I also told them my card and account was compromised and I closed it right away. I did not even have the card that the transaction was being charged on. These transactions is over XXXX. I need some answers. I did not authorize none of these transactions or anyone to use my account or card. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/2025 - Initiated wire from my TD bank account to XXXX XXXX XXXX XXXX XXXX ). XXXX was used as intermediary. XXXX XXXX XXXX XXXX XXXX Funds never arrived XX/XX/2025 - TD initiated trace. XXXX said funds returned. TD never received XX/XX/2025 - TD sent requests for return of funds ( XXXX total ), XXXX never responded. 

XX/XX/2025 - TD initiated another trace and fund request. 

XX/XX/2025 - No funds nor information. XXXX has been non-responsive. 

XXXX XXXX  refuses to initiate communication from their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Wrote a check ( # XXXX on acct. ending in XXXX ) for {$7900.00} to XXXX XXXX XXXX in early XXXX to pay my property tax for 2026 in full. This check was debited against my account on XXXX XXXX. Received another billing from XXXX XXXX XXXX XXXX requesting payment of taxes in full. Called the county office XXXX XXXX to learn that my payment had not been credited to my home for tax payment. Checked my checking account online to find that check images were not available. Called Capital One customer service XXXX XXXX to request images of check by email - not received. Called again XXXX XXXX, XXXX, and XXXX and each time was told " will be 1-3 days ''. Need proof of who cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/XXXX I spent the weekend with a friend in XXXX South Carolina. Put my phone up and it went to sleep. My friends boyfriend XXXX XXXX somehow came into my room love my phone stealing my phone transfer money from my bank to his XXXX XXXX. I did not know this at the time but found proof later that day. Turned all this information over to XXXX Sheriff 's Department. XXXX I don't XXXX claimed that someone else came in the house and took my phone charging off my bank. Found more proof that it was him that done it. Without permission {$4000.00}. I sent all this proof to Bank of America. All information that requested at the time did not require my police report. Bank of America within 10 days but my {$4000.00} back onto my account. XX/XX/XXXX they decided to deny my claim charging my bank {$4000.00} back that I have to pay therefore when my social security check went in they took the money of what I had on there. XX/XX/XXXX when my check went in they took my SSDI check again. Saying I owe XXXX more XX/XX/XXXX XXXX.. I have sent all information that they requested police report proof of the illegal use of my phone illegal use of my funds for my bank account on my phone. No warning a letter and my money gone I do not understand I have done everything to ask me to do and I'm still being denied twice I have appealed I've done nothing wrong. Incident report please report please this person done it everything. Bank of America is stating that I gave someone permission or that I myself transfer money from my account to his account. I have a XXXX for his arrest or grand larceny. Why am I being punished. From XX/XX/XXXX to XX/XX/XXXX got no requests from the bank about the claim no request asking me for any more information until XX/XX/XXXX and all my money was gone my Bank of America started taking it out of my account. I called the problem and turned everything in give him time to investigate twice reopen the case twice. Now my accounts negative so much because of all this my vehicle insurance has lapse due to lack of fun because Bank of America decided to deny my claim leaving me with absolutely nothing but negative negative negative

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 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I am submitting this complaint against Army & Air Force Exchange Service ( AAFES ) for wrongfully collecting on a debt that resulted from identity theft by intercepting my federal tax refund, despite being notified that the account is fraudulent. 

This alleged debt does not belong to me. I did not open, authorize, or benefit from any account with AAFES. I am a documented victim of identity theft and have formally disputed this debt. Despite this, AAFES has refused to conduct a proper investigation and has continued to treat the debt as valid. 

Although this account is not reported on my credit profile, AAFES has taken the extreme and harmful action of seizing my tax refund funds to collect on a fraudulent obligation. This has caused direct financial harm and is an unfair and abusive collection practice. 

Under federal law, including the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and identity theft protections under the Fair Credit Reporting Act, a company may not continue collection activity once a debt is disputed as identity theft without meaningful verification. AAFES has failed to provide proof that I am responsible for this debt and has instead continued collection through tax refund offset.

I am requesting that the CFPB : 1. Require Army & Air Force Exchange Service to immediately cease all collection activity related to this account 2. Refund all tax monies taken as a result of this fraudulent debt 3. Permanently delete and close the account associated with my identity 4. Conduct oversight to ensure AAFES complies with federal consumer protection and identity theft laws This debt is the result of identity theft and should never have progressed to tax refund interception. I am requesting immediate corrective action, not further delays or repeated reviews. 

Thank you for your assistance in protecting my rights as a consumer and identity theft victim.

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 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding is reporting a collection account on my credit reports for New York State, but has failed to provide legally required validation. Under FDCPA 15 USC 1692g and New York State Department of Financial Services debt collection regulations, a debt buyer must provide : original signed agreement full chain of title / assignment itemized accounting proof of right to collect in New York licensing and compliance documentation LVNV has not provided sufficient validation and continues to report the account. Reporting unverifiable debt violates FDCPA and FCRA. I am requesting that LVNV provide full validation and proof of New York compliance or immediately request removal of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: AZ

Complaint narrative:
Have 2 dispute cases open, I did receive a refund for one case but Capital One keeps closing the wrong case. I've notified them about it and provided documentation but they keep ignoring me and closing wrong case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau 1700 G Street N.W. 
Washington , DC 20552Re : Complaint Regarding Fraudulent Capital One Credit Card Account # XXXX XXXX XXXX XXXX XXXX Opened and Used Without Authorization * * Dear CFPB Complaint Intake : I am filing this formal complaint against Capital One for identity theft and fraudulent activity involving a credit card account opened in my name without my knowledge or consent. The account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was ordered fraudulently and used for unauthorized charges.On, I reviewed my credit report and found this account listed, showing charges totaling {$640.00} on dates XX/XX/XXXX. I did not apply for, authorize, or receive this card, and have no relationship with Capital One beyond this fraud. I immediately contacted Capital One at their fraud number, e.g., XXXX to dispute the account, request closure, and demand a fraud investigation, but they have not fully resolved it '' .This violates federal laws including the Fair Credit Billing Act and protections against identity theft under Regulation Z. I request that CFPB forward this complaint to Capital One for immediate resolution : full removal of the account from my credit reports, reimbursement of any fees or charges, and confirmation of fraud alert placement. Please provide updates via email.Thank you for your assistance in protecting consumers from financial fraud.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX is reporting a collection account on my credit reports for New York State, but has failed to provide legally required validation. Under FDCPA 15 USC 1692g and New York State Department of Financial Services debt collection regulations, a debt buyer must provide : original signed agreement full chain of title / assignment itemized accounting proof of right to collect in New York licensing and compliance documentation XXXX has not provided sufficient validation and continues to report the account. Reporting unverifiable debt violates FDCPA and FCRA. I am requesting that XXXX provide full validation and proof of New York compliance or immediately request removal of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Fidem Baltimore Holdings LLC
State: TX

Complaint narrative:
This card is linked to my daughters XXXX XXXX student loan. We opened the account because of this affiliation. The card servicer has been shoddy at best the 3-4 years Ive have the card. The credit card portion has been sold off multiple times and each time, the service gets worse. About a year ago, they changed the mobile application to a childlike platform that gave very minimal transaction information. Then around this summer, the application was completely discontinued and a website was launched. This means all of the app notifications like charges and payments were discontinued as well meaning consumers have to daily log into the website to monitor transactions. For at least the last 3 weeks, the website has also been down and there is no way at all to monitor transactions. Ive spoken multiple times with the Ignite card customer service people and they are extremely unhelpful. They dont want to help if you dont know the last transaction information. Im on the phone with them again because I need paper statements so that I can verify my charges. They do not want to give them to me. Hes willing to turn them on for the future, but not provide the past or current charges. They just keep telling me to check the website. If you search online, most customers can not access the website. It is not a local problem. The digital statement I normally receive is just a payment amount due with a broken link of the payment due. I didnt receive one at all for the XX/XX/XXXX statement due on XX/XX/XXXX. They are just expecting the payment for charges I can not verify. I have told them I would like to dispute all the charges for the last 30 days unless they can prove to me what they even are - although they have already taken the full XX/XX/XXXX auto payment. XXXX in customer service said they can not give the charges to me- only the statements going forward that will start to arrive in 2-3 weeks. Ive asked for a manager and was rejected. I am trying to allow my husband to try to get through to the rep, but the rep isnt listening and it has been very difficult to get him to speak to him on the phone. I have opened a new credit card account with another company and as soon as I get the card, I plan on cancelling the ignite card, but it hasnt arrived. This has to be illegal to not provide me with the charges and expect me to blindly pay them. It is just plain horrible customer service for them just not care they are treating people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
They denied me me for account but didnt provide information why I was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: OH

Complaint narrative:
XX/XX/year> Account in the negative Charge erroneously by XXXX in the amount of {$16.00} twice XXXX returned the money same Next day I got XXXX overdraft fees totaling {$70.00}. 
Ive called the bank to try to rectify the situation to no avail. I was first told Im not eligible to have fee reversed. On the third call I was told if my account remains overdrawn I will get overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: FL

Complaint narrative:
Multiple unauthorized money transfer transactions posted to my bank accounts in late 2025. I did not initiate, authorize, or benefit from these transactions, and I notified the bank promptly after discovering the activity. 

On XX/XX/year>, the bank issued a provisional credit of {$550.00} while it investigated the dispute. On XX/XX/year>, the bank issued an additional provisional credit of {$490.00} for related disputed transactions. 

On XX/XX/year>, the bank reversed the {$490.00} provisional credit and denied that portion of the claim. The stated reason for denial was that my debit card was in my possession at the time of the transactions. No evidence was provided showing that I authorized, initiated, or benefited from the transactions, nor was documentation provided demonstrating negligence or credential sharing. 

In the same correspondence, the bank stated that XXXX additional disputed transactions remain under active investigation and that further correspondence would be sent once those reviews are completed. 

The claim was administratively closed despite unresolved transactions and without providing transaction-level evidence supporting the denial. I am requesting reconsideration of the denial, restoration of the reversed provisional credit, and documentation supporting the banks determination.

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 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Management, Inc. 
Product : Credit reporting / Debt collection Issue : Incorrect information on credit report Complaint Narrative ( copy exactly ) : Midland Credit Management is continuing to report a collection/charge-off account on my consumer credit reports despite failing to validate the alleged debt and subsequently reducing the balance to {$0.00}. 

I formally requested validation of this account. Midland Credit Management did not provide documentation establishing a contractual obligation, proof of lawful assignment, or evidence that I am legally liable for the alleged debt. Following this failure to validate, Midland updated the account balance to zero, effectively acknowledging the absence of enforceable liability. 

Despite this, Midland continues to furnish the account to consumer reporting agencies as a collection or charge-off. Reporting a zero-balance account without proof of consumer liability is misleading, incomplete, and not verifiable, and violates the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681s-2 ( a ) and 1681 ( b ), which require information furnished to be accurate and verifiable. 

I have had no contractual dealings with Midland Credit Management. Continued reporting of this account causes ongoing harm to my creditworthiness and falsely suggests valid indebtedness where none has been established. 

I have made a good-faith request for deletion directly to Midland Credit Management . Rather than correcting the issue, the company has attempted to justify continued reporting based solely on the reporting period, which does not override FCRA accuracy and verification requirements. 



Desired Resolution ( very important include this ) : I am requesting : 1. Immediate and permanent deletion of this account from all consumer reporting agencies 2. Written confirmation that Midland Credit Management has ceased furnishing this account 3. Assurance that no future re-reporting will occur This complaint is submitted in good faith and without admission of liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, visited the XXXX ( XXXX  ) branch to inquire about a new checking account for my small business, sole proprietorship. During this time, the banker advised of a new account bonus if certain conditions were met. After a month of back and forth, dealing with the incompetent banker, XXXX XXXX, my account was finally opened on XX/XX/XXXX. The new account incentive required a deposit of at least {$5000.00} within 45 days and for that balance to be marinated for an additional 45 days. Accordingly, my balance on day 45, in this case XX/XX/XXXX, was {$5000.00}, and, despite erroneous fees being charged by the bank, the balance since this time has not dropped below the {$5000.00} threshold. As such, the promotional terms were met on XX/XX/XXXX ( XX/XX/XXXX plus 45 days ). The payout terms state that the promotional offer will be added to the account within 30 days after the month within which the terms were satisfied, such that the latest date would, in this case, be XX/XX/XXXX. However, to date, XX/XX/XXXX, the opening account bonus incentive has not been paid and is thus the impetus for this complaint.

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 2026-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I wrongfully owe a debt with farmers in which an account was started, without my approval. And I owed a balance of an account, that I didnt know about until months later with a credit text message. I supposedly owe {$200.00} with farmers and collection agency CCS is claiming I owe {$400.00}? Ive called for months to get this resolved so I can take care of the debt but no hope. Hopefully you all can help me out?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: TX

Complaint narrative:
I have a problem with Cash app. I no longer have use or access to my card and they owe me {$18.00} from my previous account that was open. They just closed my account with no legitimate reason why.

Company response to consumer: Closed with explanation