vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint regarding a fraudulent credit card account reported by Bank of America. This account was opened in my name without my knowledge or authorization. I did not apply for, open, or use this credit card account, and I did not authorize anyone else to open it on my behalf. I believe this account was created through identity theft or fraud. This account is currently appearing on my credit report and is negatively impacting my credit. I have disputed this account and explained that it is fraudulent, but the issue has not been properly resolved. I am requesting that Bank of America conduct a full fraud investigation and provide documented proof that I opened or authorized this account. If they can not provide verifiable documentation showing my authorization, including a signed application or verified identity confirmation, I request that this account be immediately removed from my credit report. I also request that Bank of America stop reporting this fraudulent account to the credit bureaus and confirm the deletion once the investigation is complete. Thank you for your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am the victim of identity theft. Midland Credit Management , LLC is attempting to collect a debt that I never incurred. The debt is an auto loan supposedly from XXXX XXXX XXXX, but I never applied for or received this loan. On XX/XX/year>, I submitted a 605B identity theft request to XXXX, including : A police report identifying the fraudulent account and naming me as the victim Government-issued photo ID Proof of current address A written request for a fraud block Despite this, Midland has continued to contact me regarding the fraudulent debt. I have provided Midland with the same documentation I submitted to XXXX. I am requesting that Midland : Immediately cease all collection activity for this fraudulent account Flag the account internally and in all reporting systems as identity theft Provide written confirmation that the account has been coded as fraudulent and that no further collection or reporting will occur This matter is urgent because Midlands attempts to collect on a debt I do not owe are unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and are causing ongoing stress and potential harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding my inability to access my account while on vacation in XXXX. My XXXX phone number is not working, and I can not receive verification codes. I have already called customer service twice from XXXX for provided all necessary verifications, including my SSN, account number ending in XXXX, and debit/credit card details. Despite correctly answering all security questions, the agents refused to open my account also i was sended XXXX or XXXX e-mails but they not answering I am now in a difficult financial situation abroad I can access my money. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: TX

Complaint narrative:
Subject : Improper Denial of Unauthorized Transaction Dispute Request for Reinvestigation I am filing this complaint regarding Capital Ones handling of a dispute involving unauthorized transactions on my account. I made XXXX legitimate purchases from XXXX XXXX using XXXX XXXX on separate occasions. However, after each legitimate transaction, additional charges appeared that I did not authorize. Following my first purchase from XXXX XXXX, a charge of {$74.00} from an unfamiliar clothing merchant appeared on my account the following day. I did not make or authorize this purchase. Approximately XXXX month later, I again made a legitimate purchase from XXXX XXXX. On the same day, a separate charge of {$150.00} from a merchant listed as XXXX appeared on my account. I did not authorize this charge either. I promptly reported both transactions to Capital One as unauthorized charges. Capital One initially issued provisional credit during their investigation but later reversed the credit and denied the dispute. The explanation provided was that because I had previously used my card through XXXX XXXX, the transactions were considered authorized. This reasoning is not acceptable. While I did authorize the purchases from XXXX XXXX, I did not authorize the additional charges from the other merchants. The fact that my card has been used through XXXX XXXX does not prove that I authorized these unrelated transactions. Under the Fair Credit Billing Act, consumers are protected from unauthorized transactions and billing errors, and card issuers are required to conduct a reasonable investigation. I believe Capital Ones investigation and conclusion were insufficient. I am requesting the following : XXXX. A reinvestigation of the disputed charges. XXXX. Written documentation of the evidence used to determine the charges were authorized. XXXX. Permanent credit for the unauthorized charges totaling {$220.00}. I respectfully request that Capital One correct this matter and ensure my consumer protections under the Fair Credit Billing Act are honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I transferred XXXX XXXX XXXX XXXX XXXX XXXX worth {$10000.00} from my Coinbase Wallet to my XXXX account on Coinbase 's main platform. I was transferring funds between XXXX Coinbase products that I own and control. The XXXX transaction was successful and is publicly verified on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX was successfully sent from my Coinbase Wallet and arrived at my Coinbase account deposit address. However, the funds never appeared in my Coinbase account balance. I contacted Coinbase customer service multiple times between XX/XX/XXXX and XX/XX/XXXX. They claim the funds are " irrecoverable '' because XXXX XXXX XXXX XXXX XXXX is a different token from XXXX, and their system can not accept XXXX deposits. They state the funds are lost permanently and sitting in an " uncleared batch. '' Coinbase 's Response Shows Lack of Accountability : Coinbase customer service responded : " If you sent funds to the wrong address, you'll need to contact the receiving party and ask for their cooperation in returning the funds. '' This response is disingenuous because : - I AM the receiving party. I sent funds from my Coinbase Wallet to my Coinbase account. Both addresses belong to me. - Coinbase IS the receiving party. The deposit address is controlled by Coinbase. They hold the private keys. - Coinbase is treating their own address as a " third party, '' telling me to " contact the receiving party '' when they ARE the receiving party. They're refusing to take responsibility for their own deposit address. - They recommend " sending a test amount first '' - meaningless advice when transferring between Coinbase 's own products. This suggests they know their system has compatibility issues but didn't warn users. Why This is Unacceptable : Custodial Failure : Coinbase allowed me to execute a transaction between their own products ( Wallet to Exchange ) that resulted in permanent loss of {$10000.00}. They provided no warning that this transfer would be irreversible or incompatible. Inconsistent Security : Coinbase 's platform actively prevents clearly incompatible transactions XXXX XXXX XXXX XXXX XXXX address ). If XXXX to XXXX deposits are incompatible, why didn't their system block this transaction? Technical Capability to Recover : The blockchain proves the XXXX is sitting at a Coinbase-controlled address. Coinbase has the private keys and technical ability to access XXXX tokens. They are choosing not to recover my funds. Coinbase is telling me to " contact the receiving party '' for cooperation when THEY are the receiving party. This is a complete abdication of custodial responsibility. No other financial institution would allow funds to " disappear '' when transferring between their own products and claim it's the customer 's fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint against Midland Credit Management regarding two accounts for which I timely requested proper debt validation under the Fair Debt Collection Practices Act ( 15 USC 1692g ). On XXXX XXXX, 2025, I sent Midland a written debt validation request for the following accounts : Account XXXX Account XXXX Midland responded ; however, the documentation provided did not constitute proper validation. The response consisted of account statements and did not include : A copy of the original signed agreement A complete payment history Documentation establishing the full chain of assignment Proof that Midland has legal authority to collect Because Midland failed to provide proper validation, I sent a Failure to Validate notice advising them that the documentation provided was insufficient and that they must cease collection activity and reporting unless proper validation was provided. Despite this notice, Midland continues to report both accounts to consumer reporting agencies on a monthly basis. Continuing to furnish information to credit reporting agencies after failing to properly validate the alleged debt constitutes violations of : FDCPA 809 ( 15 USC 1692g ) failure to properly validate debt FCRA 623 ( a ) ( 1 ) ( A ) furnishing information that can not be verified as accurate I am requesting the following resolution : 1. Immediate deletion of accounts XXXX and XXXX from all consumer reporting agencies. 2. Immediate cessation of all collection activity. 3. Written confirmation that these accounts have been permanently removed. If Midland can not produce competent evidence validating the alleged debts, they must cease reporting and collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
In late XXXX 2025, I applied for a Home Equity Line of Credit ( HELOC ) with a credit union lender. During the underwriting process, the lender ordered a desktop appraisal of the property used as collateral. around XXXX 2026, the desktop appraisal valued the property at approximately {$660000.00}. Based on this valuation, the lender indicated the HELOC application was approved to move forward. Because the desktop appraisal appeared inaccurate and did not fully reflect the propertys condition and layout, I requested that a full interior appraisal be performed. The lender then ordered a full appraisal conducted by a licensed appraiser. The full appraisal inspection took place in early XXXX 2026, and the completed report determined the propertys value to be approximately {$720000.00}, which is {$56000.00} higher than the original desktop appraisal. Despite the property value increasing after a more accurate appraisal was completed, the lender ultimately denied the HELOC application on XXXX XXXX, 2026, stating the reason as value or type of collateral not sufficient. This explanation is confusing and appears inconsistent with the facts of the underwriting process. The loan was initially allowed to proceed based on a lower valuation of {$660000.00}, yet after the property was professionally appraised at {$720000.00}, the lender reversed course and denied the application citing insufficient collateral. The appraisal report also clearly states that the property is a two-family dwelling, which is consistent with local zoning and municipal recognition. The report notes that the property includes an accessory dwelling unit that is typical and recognized in the local market, and several comparable properties used in the appraisal analysis also contained similar accessory units. No issues with property condition, legality of use, or structural concerns were identified in the appraisal report. Given that the collateral value increased and the property classification was confirmed in the appraisal, the denial citing value or type of collateral not sufficient appears inconsistent with the information used during underwriting. This process has been frustrating and confusing, particularly because the loan appeared to be progressing normally until the higher appraisal value was obtained. I am requesting clarification and review of whether the underwriting decision was handled fairly and consistently given the information available in the appraisal reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington, XXXX XXXX XXXX : CFPB Complaint Follow-Up - Williams & Fudge / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I previously submitted a formal debt validation request under FDCPA Section 1692g to Williams & Fudge regarding the above account. The collector failed to respond within the required 30-day period. Despite this, the account continues to be reported as unpaid on my XXXX XXXX XXXX XXXX credit reports. Timeline of Actions : - FDCPA 1692g validation request sent : [ Insert Date ] - Disputed account with XXXX : [ Insert Date ] - Disputed account with XXXX : [ Insert Date ] - Disputed account with XXXX : [ Insert Date ] Relief Requested : 1. Require Williams & Fudge to fully validate the debt, including itemized documentation proving ownership and legal authority. 2. Direct the credit bureaus to delete or flag the account as unverifiable until proper validation is provided. 3. Provide written confirmation of corrections and updates to my credit file. Attachments : - FDCPA 1692g validation request proof - Credit bureau dispute letters - Current credit report showing the disputed account This complaint documents Williams & Fudge 's failure to comply with federal law and requests immediate corrective action to prevent ongoing harm to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made payments totaling {$1500.00} to pay down my Chase credit card balance. My Chase account dashboard confirmed the payments were received, my balance was reduced accordingly, and my available credit limit increased proportional to the amount paid all indicating the payments had fully posted. Despite this, my credit card was declined when attempting to make purchases. There was no alert, notification, or indication anywhere on my Chase dashboard or banking app explaining why my card was being declined. I had no reason to believe there was any issue. I contacted Chase to find out why my card was being declined. The representative initially told me my bank was holding the funds. I verified with my bank directly the funds had already left my account and were not being held. When I pushed back, the representative then told me that Chase itself was holding the funds for 5-7 business days before releasing them to my available credit. This means Chase accepted my payment, posted it to my account, displayed an increased credit limit on my dashboard, and then silently blocked me from using that credit with no notification, no explanation, and no indication that a hold was in place. This has happened more than once. This practice appears to violate the CARD Act of 2009 and constitutes an Unfair and Abusive Practice under the CFPB 's UDAAP standard. I am requesting an immediate release of the hold, a written explanation of this policy, and assurance this will not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
I have been harassed by this company since XXXX XXXX purchase old debt obviously and then added to my credit report that I had missed a payment and I didnt even know who or what was going on. I wrote them and ask for information they never sent me what I asked, signatures showing I signed for anything. Proof that I got the credit nd reason is I, filed bankruptcy it will be done in XXXX. I told them, I was a victim of, identity theft, a roommate I had stole my information later to find, out was using all my stuff and bad part about it they were under an alias name.that didnt exist. I sent the. My report from FTC, and they ignored it. Recently I moved to XXXX Im sick. They have there own law office GURSTEL Law LLc, they sent someone to serve me for court I just found out XXXX XXXX XXXX and the new tenants at the address told them they didnt know me or had any affiliation ND THEY, DONT. APPARENTLY THE RENTAL COMPANY said they showed there Id to show nobody there at my old address but them. XXXX XXXX XXXX the same tenant came outside and court document plastered on the wall in front of house. She immediately contacted rental ppl and they got in contact with me. They said XXXX was upset. And I definitely am upset because this happened XXXX XXXX XXXX and, I was never notified or even new about court or lawyers. My information, my name etc was taped on a while its on there camera. Its harassment and embarrassing and damaging to my reputation I was sent via text front copy, tried to call courts to notify them they didnt serve me and I have no knowledge. GURSTEL Law LLC is in violation, practicing unfairly, they no if ppl dont show to court its an automatic win. Theyve ignored my FTC report, my chest and deceits notices and I have documents of it all nd it was provided to everyone all at this terrible law office GURSTEL Law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am disputing a {$300.00} XXXX payment I made to XXXX XXXX, on XX/XX/year>2026 The payment was for a prom video consultation. Although the consultation was scheduled, I never received a Zoom link or any service. The provider kept rescheduling, our times were NOT ALIGNING, bad communication and I was unable to receive the service due to their poor communication and the repeated delays. On top of that our prom date changed and would be not enough time even though the provider insisted it would be. There was no contract I signed or message stating the deposit was non-refundable. I have attempted to contact the provider to request a refund, but they have not returned my money. I contacted my bank to request a refund and asked them to investigate the transfer. The bank confirmed that XXXX does not offer purchase protection and can not guarantee a refund. I have not received the money back and would like the company to review this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TClub Inc
State: TX

Complaint narrative:
Company Name : XXXX ( TClub Inc. XXXX XXXX XXXX ) Transaction Date : XX/XX/year> Amount : {$2000.00} Source Account : XXXX XXXX XXXX XXXX XXXX Beneficiary Bank : XXXX XXXX ( XXXX ) Issue Summary : I am filing this complaint due to a failed remittance transfer and a subsequent failure to resolve On XX/XX/year>, I initiated a transfer from my XXXX XXXX account to an XXXX XXXX in XXXX via XXXX. The provider promised delivery within 14 business days. As of XX/XX/year>, the funds have not been credited to the beneficiary. Key Points of Dispute : Failure to Deliver : The funds were never received by the beneficiary despite being debited from my U.S. account over 30 days ago. Inaccurate Status : The XXXX app has marked the transaction as " Delivered, '' which is factually incorrect. And the XXXX XXXX said they have settled the money but it is not sent to beneficiary account. Invalid Tracing Information : The XXXX customer support team issued a UTR ( Unique Transaction Reference : XXXX ) number for tracing. However, the beneficiary bank ( XXXX ) has officially confirmed that this UTR is untraceable and no such incoming remittance exists. Violation of Error Resolution Procedures : I have sent repeated formal notices of error via email. The company initially responded with vague requests for further delays ( 35 business days ) but has since ceased all communication. They have failed to provide proof of settlement or a refund

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank 's vice president XXXX XXXX offered me a 90 day extension over the phone for my commercial loan. After the date passed, they denied everything, charged me a late fee, and now nobody helpsneither on phone nor in branch. I want the charge removed and the bank to honor what was offered

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