vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I had received deposits from a company that I was doing work for. After accurately spending the money for computer equipment that was requested and required by the company that I was doing work for then Bank of America pulled my own money out of my XXXX XXXX Account. This was illegal and fraud action from Bank of America. After accurately and correctly spending the money I received from the company I did activities for, when Bank of America did illegal and fraud action pulling money out of my account all they did was steal my own money from my Banking account. Bank of America stole {$22000.00}. They stole {$9800.00} and {$12000.00}. Again the money they stole was just my money in my Bank Account.

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 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC
State: MS

Complaint narrative:
I am XXXX XXXX XXXX and received windows from XXXX XXXX XXXX however I just leaned that they not apply for the required building permits for the installation process. I don't believe I should be forced to pay for something that was done to my home illegally. The loan administrator is GreenSky. The Contractor was paid in full. I was told Those payments were to be {$75.00} a month however GreenSky is charging {$140.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing an unauthrized {$33.00} fuel charge from XXXX XXXX XXXX ( Agreement XXXX ) I provided Chase with a final customer invoice issued by the merchant at XXXXXXXX XXXX on XX/XX/XXXX, which explicitly states " Net Due From Driver : XXXX '' This document represents a settled agreement. Chase denied my dispute by accepting a contradictory internal merchant log created after the final invoice was issued. On XX/XX/XXXX, a Chase claims supervisor name XXXX refused to honor the XXXX-balance receipt, refused to provide a written summary of the decision, and stated my only recourse was to take the merchant to court. This is a violation of my rights under the Fair Credit Billing Act. Chase has failed to conduct a reasonable investigation by ignoring final, legally binding receipt in favor of unverified internal merchant notes. I request an immediate reversal of the unauthroized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: KY

Complaint narrative:
On XX/XX/XXXX, I received a money order for {$790.00} from a tenant. It was deposited into my bank and cleared on XX/XX/XXXX. On XX/XX/XXXX, I received notification from my bank ( XXXX XXXX Bank ) that the funds were deducted from my account with an explanation of " XXXX '' - Refer to Maker. I contacted Western Union and they sent me a copy of the exact check payable to my company with my endorsements and said the money was paid to my bank, XXXX closed! After multiple phone calls and multiple escalated claims with Western Union, each time, I received the same information. Finally XXXX person told me the funds were probably " in limbo '' -- my bank doesn't have them because they were denied to them, yet Western Union paid them out, so they don't have them either. My bank contacted the Federal Reserve Bank and traced the funds. I have documentation from the XXXX indicating when the return occurred at my bank, the bank routing numbers where the funds were sent, the cash letter entry data, the account numbers and the sequence numbers. The money was returned from my bank to XXXX XXXX Bank XXXX. All of this was provided to Western Union in XXXX along with a signed affidavit per their instructions and forms sent to me and was told I would hear back with 30 days. I never got a response. I called again and someone said they would track my claim. I finally got a response XX/XX/XXXX and it said it it didn't belong in forgery department ( which is not where it was sent ). In this response I was told to complete a purchaser 's affidavit. I am NOT the purchaser. I am the receiver. I am out {$790.00} that my tenant spent her money on, plus an additional {$15.00} bank fee, along with countless hours wasted trying to get what is mine. Their money order tracer correspondence only shows that they gave the money to my bank. They have never paid any attention to the fact that it was returned bank from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This dispute is affecting my credit report for an inaccurate listing from Capital One. Account name, Capital One, acct number XXXX, Account type - credit card, Responsibility - individual, credit limit - {$300.00}, Current balance {$460.00}, Date opened - XX/XX/XXXX, Status - Account written off {$460.00}, Past due as of XX/XX/XXXX, On record until XXXX. This was due to identity theft and police report filed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Validation of Debt Request - MIDLAND CRED - XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Im unemployed and looking for work. After an interview, I received a check for a job opportunity to deposit to my Cash App account. I didnt realize until after I deposited the check that it was a scam. I reached out to Cash App to let them know it was a bad check and they told me since the check was already submitted, they couldnt do anything until it finished processing. The check bounced back after processing and Cash App deactivated my account. I reached out to them multiple times to appeal and explained that the fraud wasnt on my end and I alerted them right away that the check was bad, but they refused to reverse their decision. I showed them proof that I contacted them beforehand that the check was bad and my interactions with the scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
Re : Dispute of Inaccurate Information Account # [ XXXX ] Bridgecrest To Whom It May Concern : I am writing to dispute multiple inaccuracies appearing on my XXXX credit report regarding the above-referenced Bridgecrest auto loan account ( Account Number : XXXX ). I request that you investigate these errors and correct or delete the inaccurate information pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. SPECIFIC ERRORS IDENTIFIED : 1. Erroneous Payment History Coding The payment history incorrectly reports " R '' ( Repossession ) status for XXXX consecutive months from XX/XX/XXXX through XX/XX/XXXX. Once a vehicle is repossessed and the account charged off, continuing to report monthly repossession codes is factually impossible and misleading. This suggests the account is being reported as a fresh repossession each month rather than accurately reflecting a single repossession event followed by collection activity on the deficiency balance. XXXX. Conflicting Balance Information The report contains three contradictory balance figures : " Balance '' : {$11000.00} " Past due amount '' : {$11000.00} " Charge off amount '' : {$25000.00} The account can not simultaneously show a current balance, a past due amount, AND a charge-off amount. The vehicle was repossessed and {$25000.00} was written off. The deficiency balance of {$11000.00} should be reported consistently as either a collection account or the remaining balance, not as both an active loan balance and a charge-off. XXXX. Improper " Closed '' Status with Active Balance The account is marked " Closed '' yet reports a {$11000.00} balance with ongoing monthly activity. A closed account should show a {$0.00} balance or be properly coded as a collection/charge-off with no monthly payment history updates. XXXX. Verification of Repossession Timeline The account opened XX/XX/XXXX, yet shows repossession activity beginning XX/XX/XXXX approximately 7 months later. I request verification of the repossession date and proper coding, as the rapid default raises questions about whether all required notices and cure periods were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Experian. Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX XXXX ]. I request that my name be updated to reflect the correct information. 2.Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX while my credit report shows an outdated address of XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX... ]. I request that my current address be updated accordingly. Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license displaying my correct name. A recent utility bill showing my current address. Request for Confirmation : I request that Experian investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to 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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I entered a Wells Fargo branch as a current personal and business customer with accounts in good standing. I made an appointment to open up another business account when I arrived the representative stated that they had no business bankers available.. The Banker that was available attempted to open the account but was unable to. When I asked why they were unable to open the account they did not provide a reason. My business is in good standing. My accounts are in good standing. I had all of the required documentation.. I had all of the identification needed. And I had a cash for opening deposit.. The bank denied the opening of the account. And as of today, have not given a specific reason as to why they were unable to open the account.. It is my belief that the Banker was inexperienced and unfamiliar with opening an account and Wells Fargo is unwilling to admit that in fear of a compliance violation .. rather than explain why Wells Fargo was unable to open the account they instead sent a letter stating that they follow all policies and practices. So I'm asking again as an account holder, business and personal with accounts in good standing why was Wells Fargo unable to open the account? I made an appointment with XXXX to open an account for the same business and they opened the account within minutes..

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 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
i switched my insurance on XX/XX/year> from progressive homesite to allstate. allstate set the coverage date as the XXXX with the policy effective date as the XXXX. i received a letter in the mail from Huntington national Bank who told me i had a lapse in coverage. and they would not acknowledge the coverage start date .. they only look at the effective date. I called XXXX and they are unable to move the effective date back 1 day and have informed me that this is the way they always do the policy. now i am stuck paying for 1 day of lapsed coverage it seems

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, XXXX fraudulent wire transfers were made from my checking account at Chase Bank. They transferred the money from my savings account to my checking account. I did not authorize them was not receiving any alerts from the bank, because my phone had been hacked. My sister came to my house, because she could not reach me. We immediately went to XXXX XXXX XXXX and reported the fraud and got a new phone number. Once I got home, I contacted Chase to let them know I did not authorize the transactions. They said that they had already processed. Chase did lock my accounts at that time. On XXXX XXXX, I went to the Chase Bank on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX to get help with my accounts. A representative assigned new account numbers and filed claims with the bank for the fraudulent wire transfers. On XX/XX/year>, Chase contacted me stating that the wire transfers were not fraudulent, because they came from my phone. But my phone had been hacked. Chase would not be reimbursing my account. On XX/XX/year>, I filed identity theft reports with the Federal Trade Commission and also the XXXX Police Department in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: OR

Complaint narrative:
NetSpend close my account so I asked for the money that was left in my account in any form possible whether it's a refund check or direct deposit to a different account or anything like that they refused and they wanted indemnity letter from the people that sent me the money I just spoke with them and they refuse to send NetSpend indemnity letter so I contacted NetSpend again and told them that and they still won't issue me a refund check for the money that's remaining on my account I even asked to spoke to a manager and every time I get transferred I just get put on hold for 6 hours or I get hang up on

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 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received a letter from Capital One dated XX/XX/year> stating that my account was closed due to incomplete identity verification and that I had 90 days from the date of the letter to provide the requested information and potentially regain access to my rewards. On XX/XX/year>, I contacted Capital One to complete the identity verification process and recover my rewards. This date is within XXXX days of the XX/XX/XXXX letter. However, I was told that my XXXX window had already passed and that I am no longer eligible to recover my rewards. The representative refused to allow me to proceed with verification or access my rewards. This contradicts the timeline stated in the written notice I received. I relied on the information provided in that letter and acted within the timeframe given. I am requesting that Capital One review this matter, honor the XXXX timeframe stated in their letter, and allow me to complete identity verification and regain access to my rewards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
In XX/XX/year>, went to use a synchrony bank card at a retailer and it was denied. I called synchrony who Ive had a long-standing relationship with And and they told me because my risk factor was too high that they chose to close all of my accounts. I have A+ credit, do not owe anything on any credit cards as I pay them off monthly and make a decent salary. I am not sure if a system generated disclosure or if a live person did, but I am a very low risk factor and this makes no sense to me whatsoever.

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 2026-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX, I leased a vehicle through XXXX XXXX XXXX. I relocated from XXXX to XXXX on XX/XX/XXXX. I updated my address with XXXX XXXX XXXX on XX/XX/XXXX, and my statements thereafter reflected my XXXX address. My XXXX registration was revoked by the XXXX Registry of Motor Vehicles on XX/XX/XXXX after my insurance was transferred to XXXX. I subsequently obtained XXXX temporary registration on XX/XX/XXXX and the vehicle has been registered and taxed in XXXX since that time. Despite having notice of my relocation, XXXX XXXX XXXX issued only a power of attorney for registration rather than for title transfer. A supervisor later acknowledged that customer service failed to consult the XXXX department before issuing this document. As a result, the vehicle title was never transferred out of XXXX and remained associated with XXXX in the lenders system. In XXXX, XXXX property/excise taxes were assessed, including a bill from the XXXX of XXXX, which XXXX XXXX XXXX paid and passed through to my lease account along with additional property/excise tax charges totaling approximately {$1200.00}. XXXX XXXX XXXX has stated that I am responsible for these charges because the XXXX registration was not cancelled until XX/XX/XXXX. However, the registration had already been revoked in XX/XX/XXXX and XXXX XXXX XXXX had prior notice that the vehicle had relocated to XXXX. XXXX XXXX XXXX also controls the vehicle title and is the only party able to obtain municipal tax records or request excise abatements. I am requesting that XXXX XXXX XXXX review and correct the tax charges and determine whether the XXXX property/excise taxes were improperly assessed due to the failure to properly transfer the vehicle title and update the garaging state when the vehicle relocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am submitting this complaint against Midland Credit Management , Inc., a debt collector acting on behalf of itself and/or Encore Capital Group , regarding an alleged debt they claim I owe. On or about XX/XX/year>, I received a communication from Midland Credit Management referencing : Account Number : XXXX Alleged Balance : {$3700.00} Original Creditor : XXXX XXXX XXXX XXXX. The communication stated that the account may be forwarded to an attorney for possible litigation if payment is not made. Midland Credit Management has failed to provide adequate verification of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically : Failure to Validate Debt The company has not provided sufficient documentation proving : That I am the legal obligor of the debt That the amount claimed is accurate That Midland Credit Management has legal standing to collect Use of Pre-Legal Threat Language Without Verification The communication includes statements implying potential legal action before validating the debt, which may be misleading and coercive. Lack of Chain of Title No documentation has been provided showing the transfer or assignment of the debt from the original creditor to Midland Credit Management. This complaint is submitted in light of prior enforcement actions by the Consumer Financial Protection Bureau against Encore Capital Group and its subsidiaries for improper debt collection practices, including collecting on unverified or unreliable debts.

Company response to consumer: Closed with explanation