vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this formal complaint against Capital One and the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) for systemic failure to comply with the Fair Credit Reporting Act ( FCRA ). I previously disputed a " Charge-Off '' status for my Capital One account ( Account Number : [ Insert Account Number ] ) on the grounds that the information is inaccurate or unverifiable. In response, all three bureaus reported the account as " Verified. '' However, they have failed to provide any evidence of a reasonable reinvestigation as required by 15 USC 1681i ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Last XX/XX/XXXX, XXXX I received a notification from the company saying that someone just withdraw XXXX $ on my savings account in the ATM machine which is located on Arizona XXXX , which is 10hours away from where i lived, which is in UTAH . So i did call the customer service to file a claim and inform them that the was not me who withdraw the money that someone stole my pin code, and note the physical ATM card is with me, and according to the transaction it was XXXX XXXX type. They responded on XX/XX/year> and give a provisional credit for a XXXX $ while they investigating it, and this XX/XX/year> I received a notice that the card credit was reversed and the file was closed and denied. That they can not do anything once is closed, and i did call them what there basis or evidence they said it was authorized by me and valid transaction cause they used my atm pin, so my point is i didn't authorized those transactions because at the first place im in utah not Arizona, second is I have the physical card with me, third is i was at work while it happened. The decision they have made was unfair i work to hard for that money im a server, and it's hard to get those money. Will you guys help me, the already turn me down, that they can't do anything for it

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 2026-05-13 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: AZ

Complaint narrative:
On XX/XX/year> I made a payment of XXXX and it returned payment once it processed but I had funds so I tried to do it again XX/XX/XXXX after checking my account again and it returned my payment again confused because I have money in my account I can provide my bank statements then I got paid Im frustrated so I just pay the entire balance XXXX and it goes through so I think Im okay and then they close my account I call confused and they will not help me I talk to XXXX people XXXX including a supervisor Ive had this card for over 2 years trying to better my credit and my life and they take my money and just close my account now Im seeing a interest charge of XXXX after they told me they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Failure to Remove Unauthorized Hard Inquiries After Multiple Disputes I am filing this complaint regarding unauthorized hard inquiries appearing on my credit report. The following inquiries were not authorized by me : TRANSUNION : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously submitted multiple written disputes to the credit bureaus requesting investigation and removal of these inquiries. Despite my efforts, the inquiries remain on my report and I have either received no meaningful response or insufficient investigation results. Under FCRA 604, a company must have permissible purpose to access my consumer report. I did not authorize these hard inquiries. Under FCRA 611, the credit bureaus are required to conduct a reasonable investigation of disputed information. I am requesting : Immediate removal of all unauthorized inquiries Documentation proving permissible purpose The method of verification used during investigation Written confirmation once deleted These unauthorized inquiries are negatively impacting my credit profile and interfering with my ability to obtain proper personal and business funding opportunities. I am requesting immediate resolution and compliance with the Fair Credit Reporting Act. Following below are the recently letters I mailed months ago. ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] To : ( TRANSUNION ) Subject : Unauthorized Hard Inquiry Removal FCRA 604 Dear [ TRANSUNION ], I am formally requesting the immediate removal of the following unauthorized hard inquiries that appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 604, a hard inquiry can only be lawfully placed with my written authorization or in connection with a credit transaction initiated by me. I did not authorize these inquiries and am demanding their immediate removal. If these inquiries can not be verified with signed documentation, they must be deleted from my file. Please investigate and respond within 30 days as required by federal law. Sincerely, [ DOB : [ ] SSN ] & it was the same for XXXX sent out one to them as well. And other following up letters as well.

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 2026-05-13 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: American Financial Network Inc.
State: DE

Complaint narrative:
XX/XX/year> I signed in agreement for a partial claim for the lender to advances funds to cover my delinquency to bring my loan current. I am requested proof of months paid forward, proof of month delinquent and proof of all payment made while in the modification waiting period from myself to the lender. Totaling XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: NC

Complaint narrative:
I am disputing a medical collection account ( Account # XXXX ) reported by First Federal Credit Control for an original debt from XXXX XXXX XXXX XXXX XXXX. The reported amount of {$630.00} is factually incorrect. As explicitly stated on my XXXX XXXX XXXX ( dated XX/XX/year> ), 'An adjustment was made to your claim to correct an error in processing. ' > Following this correction of the processing error, the official adjudicated Patient Responsibility was set at {$36.00}. Despite receiving this corrected data via Certified Mail ( Delivered/Signed XX/XX/XXXX to the collector and XX/XX/XXXX to the provider ), the collector continues to report the pre-correction, inflated balance of {$630.00}. This is a violation of the FCRA as they are knowingly reporting inaccurate data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, my CashApp account was closed and/or deactivated. On XX/XX/year>, I filed an appeal as the account closure was sudden. No fraudulent deposits or activity was made on my behalf. When appealing, CashApp rep asked me what I used my accounts for. I informed them that I only use my account to pay for services such as XXXX, XXXX, etc. I also use the service to transfer money to my friends and family. On XX/XX/year>, they made a determination that my account would still remained closed due to a violation of the terms and conditions. I inquired which term was violated, and they couldnt provide the information or contact information for the team who made the determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
This is an ongoing process of me cleaning up my identity after it was breached a few years back. I wasnt even contacted by southwest systems for this matter which is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
This debt collector has engaged in practices that appear to violate the Fair Debt Collection Practices Act ( FDCPA ). The account in question was furnished to the credit reporting agencies without my authorization and without any signed agreement or contract between myself and this collector. To my knowledge, I have never entered into any contractual relationship with this company. Furthermore, I have not been provided with proper validation of this alleged debt as required under federal law. Despite reporting this account to the credit bureaus, the collector has failed to supply sufficient documentation proving that I am legally responsible for the debt, including a signed agreement or other verifiable evidence. Reporting an unverified debt and failing to properly validate it may constitute a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). This inaccurate and unverified information is negatively impacting my credit profile. I am requesting that this account be thoroughly investigated and, if the company can not provide proper validation and documentation supporting the accuracy of the debt, including a signed contract by me that it be immediately removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: AR

Complaint narrative:
I requested debt validation and they failed to respond and send.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: U.S. BANCORP
State: FL

Complaint narrative:
I just hung up on XXXX card member service for US Bank. I have convenient checks where the registration page states fees 3 % value per amount written. I get the statement from them and I am paying 5 %. I would not of written. I have already tried calling for credit

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 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: M. Richard Epps, P.C.
State: MD

Complaint narrative:
I recently received a notice of garnishment from my employer regarding the Women 's Workout and fitness center is garnishing my wages. The wages was being garnished prior to this notice and then it stopped and was placed back on. Per Virginia law a debt in Virginia statue of limitations is five years. I had this account over more than 20 something years and i have not had any communication from there regarding this account until recently. I am requesting my money back and the garnishment seized. The company is currently closed and I haven't received any communication therefore they shouldn't be allowed to take money from someone's job if there was no type of communication. I am not sure of the dates due to it being so long ago. It was around when i was XXXX XXXX XXXX. I am XXXX XXXX XXXX now. The current balance that is due is XXXX. The first garnishment being XX/XX/year>. I have paid XXXX and then it stopped and restarted back up on XXXX XXXX which they took XXXX $ from my paycheck. I have bills and why all of a sudden they coming after me after all these years. I should of received some type of communication which would of given me a chance to make a payment arrangement something. They didnt even give me the option or a chance to try to work this out. They straight went to a garnishment. I would like all the money that was taken from me repaid due to the fact that they surpassed the statue of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, states that a consumer reporting agency is required to block and remove any information identified as resulting from identity theft within four business days of receiving proper documentation. As I am a victim of identity theft and have no knowledge of the accounts in question, this law requires that all such fraudulent accounts be blocked and removed expeditiously from my consumer report. Please note that these same fraudulent items have already been deleted from my file with XXXX due to confirmed identity theft. In light of this, I expect Early Warning Services to take immediate and consistent action to block and remove these accounts without delay. -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing concerning a very serious Synchrony financial management issue that occurred just this past week. XXXX XXXX XXXX Synchrony posted a {$360.00} payment transaction to my bank on XX/XX/year>. There was no statement listing the details of the amount paid, no XXXX XXXX is authorized nor did I submit a request for this amount to be deducted from my bank. This payment was not authorized by me. I contracted various members of XXXX XXXX XXXX Synchrony bank to determine how this breach occurred and got no explanation about the details of the {$360.00} or how payment was made without my authorization. I escalated to the fraud department who verified that my credit card account was not compromised but no further details. This obvious software malfunction was an unprecedented breach of my financial security at XXXX XXXX XXXX Synchrony. This breach, had I not noticed the unauthorized payment and supplemented my banks checking amounts, could have caused my credit rating to be compromised for insufficient funds with various lenders scheduled payments. XXXX XXXX XXXX Synchrony returned the erroneous payment amount to my bank but that is in no way enough to resolve my concerns. I need XXXX XXXX / Synchronys assurance that this unauthorized beach of my financial security will be addressed and procedures implemented so only payments authorized by me will be accepted. I await your explanation and planned corrections.

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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
b'On XXXX my school sent an email about a remote job opportunity and I immediately went to check it out and sent my resume and everything over and once that happened he called me and did an interview and said your first task would be to send money to a food organization it was XXXX once I deposited that I would have to send it so I did but I told him that XXXX was not going to work because the bank only gave me XXXX$ he said okay and told me to send it to cash app and he was declined so he told me to send the money to XXXX XXXX and he apologized and I thought this was my first job and he trusted me with this money so I didnt want to mess around after that once the XXXX XXXX worked he said go and send the money over to cash app which I did and then to transfer it to bitcoin it didnt work so he said how about XXXX$ and then he said okay I was late and had classses so I said I need to hang up it had been over and hour and I wasnt understanding I told him do you want me to XXXX your money I dont want to do this and it isnt working so he was calling me though this number XXXX XXXX XXXX and once I told where do you want me to XXXX he gave me this number XXXX XXXX XXXX XXXX XXXX I sent the money over and for job opportunity scam his email that he sent me stuff were under a name XXXX XXXX and his email was XXXX I didnt realize it was a scam till I called my school and they said it was scam and they took down the email before I could take a screenshot cash app said they wont return the money back and my bank refunded the Zelle but I still have to pay XXXX$ because of the fake deposit I am usually careful I just thought it was job opportunity for college students'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
While Waypoint resource group has confirmed I do not owe this debt on 2 separate occasions they keep validating debt when disputed.

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 2026-05-13 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: NJ

Complaint narrative:
I recently opened a Capital One checking account and provided payroll at my job, XXXX XXXX XXXX XXXX, with the routing and account number for my new account and requested that my paycheck be sent to this account. However, my paycheck on XX/XX/year> was not credited to my account. When I noticed this, I reached out to payroll and learned that I mistakenly entered the wrong account number in the electronic payroll system, causing me not to receive my pay. I immediately reached out to Capital One and was informed that the incorrect account number was linked to someone else 's account and a dispute would have to be entered. I entered the dispute and provided all requested information at that time. Then, on XX/XX/year>, I received an email from Capital One indicating that my dispute was denied because " The payment was processed according to the payment instructions. Were unable to return the funds to the merchant at this time. We recommend that you contact them directly to resolve this matter and verify that the correct routing and account information is on file before a new deposit is sent to Capital One.You can still try to resolve this directly with the merchants. '' I reached out to Capital One again and was told my job had to submit a letter asking that the funds be reversed. My job immediately provided the letter. Since then, I have called nearly every day and have been told by several representatives, including two supervisors ( XXXX and XXXX ) at Capital One, that there is no timeframe they can give me on when or if I will receive the money I earned in my paycheck back and there is nothing else I can do. When I called to follow up last Friday, supervisor XXXX said they would ask to expedite my request due to me letting them know that this is a serious situation and I have my rent to pay. When I called yesterday, the representative said they are " not sure why someone told me it could be expedited, as it can not. '' I am in dire need of my paycheck to be returned to me, as I have bills to pay and a myself and a family to feed. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
On XX/XX/year> I was sent {$60.00} through Western Union and was given a XXXX through text from the sender and also Western Union. However I downloaded a app called XXXX XXXX by Western Union in which it asked me for my address and date of birth and social security number and after providing that information the money that was sent to me never came on the app or the virtual card, so I went on XX/XX/year> to a Western Union location where the cashier that punched in my XXXX and said that the system was showing that the money had been pick up and I didn't understand how that could've happened because no money was given to me so the only thing I could think of was that I was scammed out of money from downloading that XXXX XXXX XXXX.

Company response to consumer: Closed with explanation