vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I initiated a one-time XXXX deposit of my Federal Student Loan funds into an account held by XXXX XXXX XXXX XXXX XXXX : XX/XX/year> ). I was induced into this transaction by XXXX XXXX, who provided his full Social Security Number, Date of Birth, and physical debit card information as a security guarantee. While I authorized the initial deposit, I never consented to any transfers or withdrawals out of the account. The funds were disbursed under my legal name, XXXX XXXX XXXX. Despite the blatant Name Mismatch between the ACH instructions and the account holder, Citibank accepted the funds without inquiry, violating XXXX XXXX protocols. Upon observing unauthorized outgoing activity, I immediately contacted Citibank. I informed the bank that a theft of federal funds was in progress and that I was the rightful owner of the funds, as evidenced by the name on the transfer. Despite this " Actual Knowledge, '' the Citibank representative explicitly refused to freeze the account or stop the fraudulent transfers, stating they would not intervene because I was " not the account holder. '' This refusal to act on a reported crime while the funds were still present facilitated the total loss of my federal loan money, for which I remain legally liable to the XXXX Government. Reference Numbers : XXXX Police Report : 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 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Capital One concerning an unauthorized charge that occurred after my account had already been closed due to fraud. On or about XX/XX/year>, Capital One sent a letter stating they closed a quicksilver card account after true fraud activity was reported. Despite the closure, an additional charge of approximately {$140.00} was processed on XX/XX/year>. This transaction should never have been authorized or permitted on an account that had already been closed for fraud-related reasons. The fact that charges were still able to process after closure raises serious concerns regarding Capital Ones fraud prevention procedures, account controls, and consumer protections. After discovering the charge, I immediately contacted Capital One. Rather than resolving the issue internally, I was instructed by Capital One representatives to dispute the transaction through my bank. I followed their instructions and filed a formal dispute with my financial institution. I dispute the validity of this charge and believe Capital One failed to properly secure and terminate the account after closure. Allowing post-closure charges to continue is unacceptable and may constitute improper billing and unfair account handling practices. I request the following : Immediate reversal and permanent removal of the unauthorized {$140.00} charge Written confirmation that the account was officially closed effective XX/XX/year> Confirmation that no further charges, collections activity, or negative reporting will occur related to this transaction A full investigation into why transactions were allowed after the account closure I also request copies of all records related to : The account closure Fraud reports associated with the account Any authorization connected to the XX/XX/year> charge Internal notes and communications concerning this matter Capital Ones handling of this matter has caused unnecessary financial harm, inconvenience, and stress. I request prompt resolution and full compliance with all applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, our company shipped goods to the customer via XXXX XXXX ; the package arrived locally in XXXX on XX/XX/year>. On XX/XX/year>, a customer initiated a refund request via PayPal ( USD XXXX ), citing non-receipt of goods ; our company subsequently filed a dispute against this claim. The customer later uploaded a tracking number corresponding to a shipment previously sent by our company, asserting that the package had been redelivered to us. Without verifying the validity of this claim, PayPal ruled that the merchandise had indeed been returned to our company and, without obtaining our consent, issued a refund to the buyer on our behalf. In response to the buyer 's claim that the goods were not received, our company issues the following statement : 1. Under the XXXX Incoterms agreed upon between our company and the customer, our contractual obligations were deemed fulfilled once the goods arrived in XXXX ; any subsequent customs clearance issues are the sole responsibility of the buyer. 2. The customs authorities were unable to release the goods because the customer failed to initiate the clearance process. This situation arose due to subjective factors attributable to the customer, rather than objective force majeure events. 3. Consequently, our company does not accept the ruling in this matter, as we should not be held liable for the customer 's errors. We have previously submitted complete proof of delivery, along with a statement from XXXX regarding the status of this shipment. The buyer 's claim lacks any basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/26, XX/XX/26, and on XX/XX/26 I sent letters to the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX. I asked for original contract, complete account history and proof any that the debt was legally transferred. I never received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I digitally cashed a check on XX/XX/year> at XXXX via Capital One mobile app. On the app, it says my funds would be available the next day which was important that I received these funds as I travel for work and this was my travel funds. I was then told I could not access my funds until XX/XX/year>. Which is not what was stated previously, and I feel I was not fully disclosed that there may be holds that long other wise I would not have cashed my check digitally and feel like I have been misled to use their services under false pretenses. I called their customer service line at XXXX on XX/XX/year> to which the account XXXX let me know my funds would be available to me later that evening after XXXX. Upon checking my account, my funds still have not been released and I feel I keep being lied to and misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am writing to formally request a review of the overdraft fees, transaction processing practices, and account activity associated with my TD Business account ending in XXXX. I am the owner of a small mental health counseling practice in Maryland and receive frequent insurance reimbursement deposits through ACH/EFT transactions from multiple insurance carriers. Beginning in XX/XX/year> but specifically during XXXX and early XX/XX/year>, my account experienced repeated overdraft activity despite ongoing and regular incoming deposits. My concern is not simply that overdraft fees occurred, but rather the cumulative and cascading nature of the fees in relation to the timing of ACH deposits, pending transactions, and available balance calculations. Throughout this period, deposits often appeared reflected within the account history while the account simultaneously remained in a negative status and continued accumulating overdraft fees. As a result, I incurred approximately {$1300.00} in overdraft fees during XX/XX/year> alone, with an additional {$450.00} in overdraft fees occurring within approximately XXXX days in early XX/XX/year>. These fees accumulated despite substantial monthly deposit activity exceeding {$15000.00} during XXXX. After disabling automatic ACH debits and recurring withdrawals in XX/XX/year>, my account balance stabilized significantly within approximately XXXX week, increasing to over {$3500.00}. This dramatic change raised serious concerns for me regarding the impact of overdraft fee accumulation, ACH timing practices, and transaction processing methods on my account stability. I respectfully request the following : A detailed review of the overdraft fees assessed during XXXX and XX/XX/year> A review of transaction posting and ACH processing practices. Full reimbursement of all overdraft fees from XXXX and XXXX beyond the partial reversals already provided. I do not wish to discuss further with TD nank or one of their representatives. As a long-standing small business customer managing a healthcare practice, the unpredictability of these overdraft accumulations created substantial financial hardship despite consistent incoming revenue. I appreciate your time and attention to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: NC

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint against Truist Bank for their failure to correctly process a merchant dispute filed on XX/XX/year>, and for withholding provisional credit despite conclusive evidence. The Accounting Error : The original transaction was {$210.00} for two products. I have repeatedly informed Truist that I am not disputing the full amount. I am disputing {$86.00} for the single item that was returned. Truist continues to incorrectly list the dispute as {$210.00} in their notes, which is obstructing the investigation. Documented Timeline & Merchant Agreement : I purchased a wig ( Order XXXX ) from XXXX XXXX. I initiated a return request immediately on XX/XX/XXXX because the item was not as described. After initial obstruction, the merchant authorized the return by providing a shipping credit. On XXXX, the merchant explicitly stated : " I will refund you immediately after receiving the return. '' Conclusive Proof of Delivery : I returned the merchandise via UPS ( Tracking # XXXX ). Official XXXX records confirm the item was Delivered to the merchant 's facility in XXXX, NY, on XX/XX/year>, at XXXX XXXX and received by " XXXX. '' Violation : The merchant has possessed both my money and the returned goods for XXXX days. Truist has failed to conduct a reasonable investigation or issue provisional credit for the {$86.00} balance. I am seeking immediate application of provisional credit and a permanent reversal of the charge.

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 2026-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
I am formally disputing the collection account reported by MONTEREY COLLECTION XXXX. This account does not belong to me, and I have no knowledge of ever entering into any agreement, contract, or business relationship with this company. I have never signed any document agreeing to pay MONTEREY COLLECTION XXXX, nor have I authorized them to collect any alleged debt on my behalf. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, all information reported to the credit bureaus must be accurate, complete, and fully verifiable. Reporting inaccurate or unverifiable information is a violation of federal law. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the legal right to request validation of this alleged debt, including proof that I am legally responsible for it. At this time, I am demanding : * Complete validation of the alleged debt * Copies of any signed agreements or contracts bearing my signature * Proof that MONTEREY COLLECTION XXXX has the legal authority to collect this debt * Verification that the account was accurately reported to all credit bureaus If this information can not be properly verified, I request the immediate removal of this account from my credit report with all consumer reporting agencies. Continued reporting of inaccurate or unverified information may constitute willful noncompliance under the FCRA and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
In XX/XX/year>, I requested a hardship forbearance with Freedom Mortgage. I was approved for this with the terms to be moving payments to the end of the loan. I'm ready to resume payments but discovered all paperwork regarding the forbearance has been wiped from my Freedom Mortgage account. The website won't allow me to resume payments. It reflects the account being delinquent and overdue for {$21000.00}. This is not the plan that I agreed to. I would have never agreed to a lump sum. The Freedom Mortgage website won't allow me to make a single payment.

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 2026-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint against Digital Federal Credit Union regarding DCU auto refinance application XXXX. On XX/XX/year>, I applied for a DCU auto refinance. DCUs Member Resolution Team confirmed in writing that I was quoted an interest rate of 6.74 % on that application. During the application process, I was also told that I had until XX/XX/year> to finalize the approval. I relied on that rate and approval-window information in continuing the refinance process. On XX/XX/year>, I contacted DCU to add a co-borrower. DCU states that it required a new credit pull because the original credit inquiry was valid for 30 days and had expired. I authorized the pull, but my complaint is that DCU did not clearly disclose that adding the co-borrower to the same application and authorizing the follow-up credit pull would eliminate or reprice my original individual approval/rate path. DCU then provided materially worse loan terms and refused to honor the original 6.74 % rate. DCUs final written response says rates are subject to change until finalized and that I authorized the credit pull. That does not resolve the issue. The issue is that I proceeded in reliance on a confirmed 6.74 % rate and a XX/XX/XXXX approval window, yet DCU has not meaningfully explained why that approval window did not preserve the original individual approval/rate or why I was not clearly warned that adding a co-borrower would eliminate that rate path. This caused actual harm. I spent substantial time pursuing the refinance, changed my direct deposit to obtain DCUs discount, and incurred an additional hard credit inquiry that negatively affected my credit score and ability to refinance elsewhere. The refinance was no longer worthwhile at the higher rate because it was too close to my existing loan rate.

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 2026-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Company : Coinbase , Inc . Complaint : I am filing this complaint because I have been unable to access my Coinbase account or withdraw my funds despite multiple attempts to resolve this directly with Coinbase. I received an official notification from Coinbase stating that my account was scheduled for closure on XX/XX/year>, and that I should transfer my remaining balance to an external address before that date. I was unable to log in to complete this action at that time. I later received a follow-up message dated XX/XX/year> from a Coinbase representative named XXXX, which I was also unable to access due to the same login block. Every avenue I have attempted to resolve this has hit a dead end. The account is blocked so I can not log in. The live chat requires a login. Coinbase 's published email addresses return automated responses stating they are unmonitored. I called the published support line and was unable to reach a resolution. I am requesting the following : 1. Immediate access to my account or a temporary unlock to allow me to withdraw my remaining funds. 2. Confirmation of my current account balance. 3. A direct point of contact at Coinbase who can assist me in completing the withdrawal. I have funds being held on this platform that I can not access and have been given no viable path to retrieve them. Your name : XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Since 2023 XXXX with the help XXXX XXXX XXXX XXXX XXXX and True Accord have continued to harass me with consistent emails, letters and phone calls while also contributing to the lowering of my XXXX XXXX and credit approvals due to XXXX overcharging and made-up fees. I have had several conversations with XXXX about these issues and at that time I am met with a new creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account was used exclusively for receiving legitimate XXXX live streaming income. PayPal unilaterally closed my account and deducted my full account balance, claiming my account was involved in " restricted activities '' without providing any specific transaction IDs, factual evidence, or detailed reasons for the deduction. I appealed multiple times, requesting the company to provide evidence of the alleged violation, but PayPal refused to provide any supporting documents and stated the decision was final. This action by PayPal is arbitrary, non-transparent, and violates procedural fairness, as it seized my legal personal income without any verifiable proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: GA

Complaint narrative:
They have called me XXXX times every day for the past week. I couldnt pay them because my debit card got hacked and Ive been waiting on a new one to arrive. I explained that to them and they will not leave me alone. Calling XXXX times a day asking if i have recieved it yet or another employee will call that doesnt even know the situation

Company response to consumer: Untimely response
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX XXXX has a policy where if your account is negative OST kicks in and they transfer over money out of your savings to cover it. It happened to me before so I called to have it removed, a lady representative told me she wouldnt recommend just open another savings and put my money there when it can not be touched. I did so, last night they removed {$360.00} and told me they can take it from any account when its too negative. That was not made clear to me in any way. I explained to the lady it will cause me hardship, I may be evicted that was my rent funds. I got a message yesterday stating that I had until XX/XX/year> to deposit funds taking my account out the negative which i planned to do, I just could not do it out this paycheck it was for rent which is already late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation