vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint against Bank of America , N.A . for the wrongful permanent closure of my joint accounts and the continued retention of {$7100.00} in personal funds based on verifiably false information.

1. Background My wife and I are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . We opened a joint checking account and two secured credit card accounts in person on XX/XX/XXXX, in order to establish a legitimate financial relationship in the United States. We have no prior U.S. banking history.

2. The Incident On XX/XX/XXXX, Bank of America permanently closed all of our accounts without prior notice. When I contacted customer service, I was informed that the decision was final and permanent ( not eligible for future accounts ) and was allegedly based on issues with another bank account associated with us.

3. The Banks Error This justification is factually impossible. We do not have, and have never had, any other bank accounts in the United States. Our U.S. phone numbers are newly issued and have no prior banking or digital history. This indicates that Bank of Americas risk system has incorrectly linked our identities to another individual or account with negative banking history.

4. Financial Harm As a direct result of this error, Bank of America is currently holding {$7100.00} of our personal funds, consisting of : {$2000.00} in a joint
checking account ( ending in XXXX ) {$5000.00} in a secured cash deposit funded entirely with our own money for a card in the name of XXXX XXXX ( card ending in XXXX ) {$99.00} in a secured cash deposit funded entirely with our own money for a card in the name of XXXX XXXX ( card ending in XXXX ) 5. Resolution Requested Because the account closure is based on an identity error referencing a nonexistent other bank account associated with us, I request the following in order of preference : Option 1 : That Bank of America correct the identity error, remove the erroneous risk association, and reopen our joint checking account and secured accounts so

we may continue our banking relationship. Option 2 : If Bank of America refuses to reopen the accounts, then I request the immediate release of the full {$7100.00} via cashiers check sent to my address on file, along with written confirmation that no negative or fraud-related
information has been reported to XXXX XXXX XXXX XXXX , or any other consumer reporting agency under our names or passport numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding Capital One, N.A.s improper denial of a fraud dispute on my consumer XXXX credit card ( Cabelas Club XXXX ). 

On XX/XX/2026, while traveling internationally, I authorized a charge of {$25.00} for photography services. The merchant instead charged {$280.00} without my authorization and failed to provide any receipt or explanation. I disputed the transaction promptly on XX/XX/2026, and provided a written explanation as requested. 

Capital One denied my dispute on XX/XX/2026, asserting that I failed to provide sufficient documentation. In subsequent communications, a Capital One manager advised me that it was my responsibility to provide evidence of the correct amount to be charged and that Capital One could not move forward without additional documentation from me. 

This position improperly shifts the burden of proof to the consumer. Under Regulation Z ( 12 CFR 1026.12 ( b ) ) and 15 U.S.C. 1643, card issuers bear the burden of establishing that a disputed transaction was authorized. Additionally, under XXXX XXXX XXXX protections, the merchant must demonstrate authorization for the final amount charged. Capital One did not obtain or require such proof and instead re-applied the charge to my account.

Capital Ones handling of this dispute is inconsistent with federal consumer protection law and applicable card network rules. I respectfully request that the
CFPB review this matter and require Capital One to apply appropriate fraud protections and reverse the unauthorized charge.

Thank you for your assistance. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
ChexSystems is reporting inaccurate and/or unverifiable information in my consumer file, which has caused multiple financial institutions to deny me the ability to open deposit accounts. 

I requested my full ChexSystems consumer disclosure and formally disputed the information being reported. I specifically requested verification of the accuracy of the information, the sources of the data, the method of verification used, and the reasons my file is being used to deny me access to basic banking services. 

ChexSystems failed to provide a complete and lawful response. They did not properly verify the information, did not clearly identify the furnishers, and did not explain how the information was determined to be accurate. As a result, inaccurate or unverifiable information continues to be reported and used against me. 

This conduct violates the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681g ( right to full disclosure of information in a consumer file ) and 15 U.S.C. 1681i ( failure to conduct a reasonable reinvestigation and correct or delete inaccurate or unverifiable information ).

ChexSystems failure to comply has caused ongoing harm by depriving me of access to essential banking services. I am requesting that ChexSystems immediately correct or delete any inaccurate or unverifiable information, provide full disclosure as required by law, and ensure compliance with all applicable consumer protection statutes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXXXXXX  I filed a dispute with Capital one bank due to a merchant not being able to process a refund due to them stating system errors. They reached out to me via email and stated I would need to file a dispute with my bank to get the money back as it is an error on their end and not mine. I did so. In turn on XX/XX/XXXXXXXX  capital one froze my accounts and decided to end the banking relationship based on the claim I filed at the merchants request. I was told since I had an open claim that the account couldnt be closed at the current moment but the funds were still frozen. I waited the 90 day period and the claim was approved in my favor XX/XX/XXXX. I reached out to Capital one XXXX XXXX to inquire about the close out check for the remaining funds that were still being held. I was told that they are still investigating and dont have a definitive answer on when the funds will be released. I am not sure what they are investigating since according to the letter sent from them the claim has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I have been a victim of a fraudulent authorization inquiry in my name that I would like to be removed effective immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX, 2026 I received a call from a XXXX phone number that told me I had a lawsuit filed against me and I was being sued. They said to call XXXX with case number XXXX. And asked if I was going to be home. They had all my info and my last four digits of my SS number which they wanted me to verify and I did. I said I have no idea what they're talking about. They said I owed {$7000.00} from Bank of America. I said I had no clue what they're talking about. He says everyone says that and you're going to court. He was yelling and saying I was lying and I'm going to court and he hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Description of Incident : On XX/XX/2026, a representative from XXXX and XXXX contacted my spouse via telephone, stating they intended to serve me with legal papers. When I returned the call, the representative was immediately rude and abrasive. Plus the address that they have on file I have never lived. It belongs to my cousin. XXXX XXXX XXXX XXXX XXXX XXXX, MD During the conversation, I requested the following information, which was met with non-compliance : Identification of Creditor : I asked who the debt was owed to ; the representative initially stated " it doesn't matter '' before eventually claiming it was GE Money/XXXX. And I asked the address that they have for me the rep said the XXXX Address. I do not wish to disclose my address to this company. 

Verification of Debt : I requested a copy of the original contract with my signature to be mailed to my address on file. 

Refusal to Validate : The representative explicitly stated it was " not their job '' to validate the debt and told me I could " tell it to the judge. '' Violations Noted : Failure to Validate : Under the FDCPA, consumers have the right to dispute a debt and request written verification. 

Harassment/Abuse : The use of abrasive and rude language during professional debt collection is a violation of conduct standards. So I became very upset Third-Party Disclosure : Contacting a spouse and mentioning " serving papers '' can be interpreted as an illegal threat or improper disclosure of debt details to a third party. 

Desired Resolution : I request that XXXX and XXXX cease all communication with me and my family until they provide the legally required written validation of this alleged debt. I also request an investigation into their collection practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
b"On XX/XX/2025 I issued a XXXX payment for a XXXX to a friend XXXX XXXX and it was never confirmed.  And no explanation was given to me.\n\nOn XX/XX/2025 I deposited a cashier's check via mobile deposit from another friend XXXX XXXX for XXXX to Citizen's Bank NA.\nI was told the check bounced.\n\nI sent this check back to my friend and her bank, XXXX said there was nothing wrong with the check.\n\nNow i'm being called and harassed for XXXX for some kind of fee.\n\nI cannot close this account.I cannot go forward.Citizens told me they did not want me as a customer anymore, and I had been with them for 55 years.\n\nI am not receiving statements from them. I am getting nowhere with them, except that they constantly call me asking me for this money which I am not paying.\n\nI have been embarrassed and humiliated. They did not treat me with respect at the bank, and have been told to leave when I went to one of their branches. They didn't even take me into an office. They talked to me while I was standing.\n\nI don't even have the account number any longer.\n\nLast four digits of my social is XXXX.\n\nKindly look into this, find out what's going on. And I want my name cleared. I also want a written apology.\n\nXXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX \nXXXX, PA XXXX\n XXXX XXXX XXXX Cell"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I received an initial notice of a debt collection from Columbia Debt RecoveryLLC, dba Genesis on XX/XX/year>. There was a charge off from Residencies at XXXX for the amount of {$140.00}. I had recently left that residence with {$0.00} account balance so I was confused how I still owed. I contacted the original company, Residencies at XXXX, for more information but they could not provide me anything because the account was closed. I was told I would need to speak with the debt collector. I sent an email to Columbia Debt Recovery on XX/XX/year> asking for verification of the charges. I did not receive a response. I did not hear back from Columbia Debt Recovery so I called them on XX/XX/year>. I asked for verification of the debt and what the charges were for and the individual over the phone did not provide these details. He told me " it's {$140.00}, just pay it. '' After i repeatedly asked about written details of the charges, he said " i'm not sending you anything '' and hung up the phone. Today is XX/XX/year> and I just received notice that the debt was reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: WA

Complaint narrative:
I have been contacted via text four times by FNCBNV ( First National Collections Bureau ) about debt collections in relation to a supposed account with XXXX XXXX Bank. I do not have an account with XXXX XXXX Bank, nor do any of my relatives, and this is the first time I've even heard of that bank. They have not called me or sent me any additional information about how much is owed or what kind of debt this supposedly is ( loan, overdraft, etc. ), so I strongly suspect this is a phishing attempt. In the texts they sent me, they also use a name that is not mine, and is not even a commonly misspelled version of my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is restricting all of my accounts due to a fraudulent transaction made from a bank account that does not belong to me. XXXX  has already confirmed identity theft and removed the inquiry. Capital One is demanding bank statements from a third-party bank account I do not own and can not access, and refuses all legally accepted alternatives ( fraud affidavit, ID, proof of address ). Late fees are continuing to accrue on restricted accounts. I am requesting immediate removal of restrictions, reversal of all fees, and proper coding of this case as identity theft under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Lit Financial Corporation
State: TX

Complaint narrative:
I was contacted by LIT Financial because I was inquiring about a home equity loan. XXXX XXXX contacted me on XX/XX/XXXX and explain my options and the process. On Monday, XX/XX/XXXX, She requested documents form me. I submitted the documents later that day. I then had to get an appraisal. I was told that I had to pay {$600.00}, but I would get my money back, at the end of the process, in the form of a credit. I was a bit apprehensive but I was told by a neighbor that they had a similar experience, so I obliged and paid. While waiting to schedule the appraisal, I was consistently asked to provide bank statements, check stubs and more documents. I provided them all on the day requested. I have the appraisal about 2 weeks later. Then there was an issue because of my child support. I supplied all documents that was needed, but there was always some sort of hang up and I needed to submit another document. On XX/XX/XXXX, I asked for a status update to XXXX and she told me all lender assigned conditions have been submitted and the underwriter is currently reviewing. I waited weeks while they were " reviewing ''. She then said she need tax returns for XXXX after I had already submitted my XXXX tax docs. On XX/XX/XXXX, I contacted XXXX for a status, as I was becoming anxious and impatient. She told me that everything looked great. She also told me that we will be closing within 2 weeks. 2 weeks would be after the XXXX of XXXX and would affect the payment history, which I had already provided to XXXX. XXXX told me that my payment documentation for my house had already been submitted and I did not have to pay my mortgage for XXXX. Nevertheless, XX/XX/XXXX came and XXXX called me and said that the loan provider backed out and my loan was not approved. I was furious. I loss {$600.00} and I was also late on my mortgage payment, which not only affected my credit but prevented me from getting a home equity loan for another year. 
Needless to say, XXXX apologized but did nothing to help me recoup my money or remove the late payment from my service provider. She said that since the loan did not go through, I would not receive a refund.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Klutch Technologies, Inc.
State: OH

Complaint narrative:
A company called Klutch Technologies issued a card to someone that was using my information. I found this out by looking at my credit report on XXXX. The card was issued on XX/XX/year>. There is a balance of XXXX on the card. I never applied for this card, never received the card in the mail, and never received a bill for the charges on the card. I tried to call the company using the phone number provided on XXXX  and on the Klutch website three times but all three times it says all members are busy and that i need to provide my phone number and ill get a call back but I have never received a call back. I reached out to them via email and they responded wanting to know my full name, last 4 of my SSN, address, an affidavit ( which they did not provide ), policy report, and a copy of my drivers license. I do not feel comfortable providing them this information over email when i cant get in tough with them over the phone and have never received anything in the mail from them. I have filed a police report and filled out a report on IdentityTheft.gov regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX - this is in response to the response CFPB provided today on the referenced complaint which should not be closed. First of all, the insurance carrier issue is not resolved, I am awaiting a hearing date to have this matter heard before the Administrative Law Judge as requested. The insurance carrier should be held accountable for all of this mess. I wouldn't be in this situation had they not cancelled my homeowner insurance unjustifiably. Secondly, I have NEVER filed bankruptcy. My ex-wife XXXX XXXX filed for bankruptcy in XXXX. She has not been involved in this paying this loan since XXXX. I have been solely making the payments since XXXX when she left and then XXXX we divorced and she is remarried. Thirdly, I have not missed any payments since I took out this loan. The response says I have not paid since XXXX, XXXX  this is not correct. I called and left a message today with Truist Bank and I am hopeful they can clarify these issues accordingly. Thank you. If you need to reach me by telephone, please call me at XXXX or 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