vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One has closed my accounts and is currently holding {$3300.00} in my savings account and {$74.00} on my checking account which are my personal funds for a 'review ' they state will take XXXX weeks. I am an XXXX XXXX and a healthcare student scheduled to start my XXXX XXXX XXXX XXXX XXXX XXXX program next month. These funds are my sole means for paying my tuition and my upcoming rent. This delay is causing significant financial hardship and is actively preventing me from pursuing my professional education. I request that the review be expedited and my funds be released immediately via cashier 's check or wire transfer. I called them on XX/XX/year>, and the representative asked me if there was anything unusual. I said no, all of the transactions were made by me, and that I had never had any complaints or issues before. All he had to say was that my account was under review and would be closed. I called them again on XX/XX/year> to see if there was anything they could do because this is causing an immediate financial hardship but she told me that she couldn't give me a date for when my check will arrive, basically that there is nothing that they can do and I just have to wait. I also received XXXX emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I recently enrolled in their Financial Relief Program in XX/XX/XXXX with the understanding that it was the same terms as their Financial Relief Program that I enrolled in XXXX, which was a 12-month program, my monthly payments would be lower and I would still be able to use the card. As I use this credit card for small membership fees, I was surprised when my payments in XX/XX/XXXX started getting declined. I contacted American Express and spoke to a customer service rep who informed me that the Program was for FOUR years and my card would be unable to make purchases or payments during that period. when I asked to be removed from the program, she told me that that would not be possible but she could take me off of auto pay, which I requested. I also requested that a supervisor contact me regarding this matter and as of today no such call has been received. I also apparently can not use the XXXX miles for travel as this is linked to my American Express credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I got injured while on duty with the Police Dept. At that time, I was represented by an Attorney and I was doing physical therapy. This injury impacted me from XX/XX/XXXX through XX/XX/XXXX as far as income and playing catch-up. My rent alone is almost {$2000.00}. When I first realized that workers comp payments do not come in right away like my normal direct deposit, I contacted all of my credit card companies. ALL of them put me in an interest reduction program. ( XXXX XXXX, XXXX, XXXX, etc ). I've called BOA plenty of times and all they offered me was debt consolidation which means XXXX years+ of late payments added to my credit. I kindly declined. I explained that I was injured and wouldn't be making the same money and payments would be delayed. I tried to work with them numerous times and they were unable to reduce my payments. Ultimately, I was late in XXXX after exhausting my options. BOA reported XXXX and XXXX as late payments. Once the payments from workers comp rolled in, I became current. I thought the payments were on auto pay and realized in XX/XX/XXXX that they were not and another late payment was added in XX/XX/XXXX but it was not reporting until I disputed the XXXX late payments. Fast forward to XX/XX/XXXX. I am pregnant and trying to purchase a house through the program that offers law enforcement a very low interest rate but was denied because of my payment history with BOA. Attached, please see how they were reporting it compared to when I disputed it, more late patients were added. I've also attached the payments that I have made on the account. Please note, I am current now and back working full duty. I'd just really appreciate it if they could delete the late payments. I know they're supposed to report accurate information to the credit bureaus but I called PLENTY OF TIMES AND BOA would not help! I've also mailed disputes to the credit bureaus plenty of times but they stated that they only report what's reported to them. This hardship obviously affected my income and I was sad to see that BOA would not accommodate me in anyway. Their resolution would have further damaged my credit. I worked so hard to build it 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 2026-03-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
From the time I received and activated the card, approximately 3 weeks prior, I have been declined bank transfers as well as a majority of purchases including those involving household bills. Numerous complaints have been made with no explanation resolution. I have been purposefully deceived as to why transactions and transfer attempts have failed such as the card was flagged for fraudulent activity. More infuriating is the suggestion to use another form of payment. I have also been told to go to my bank submit a cash advance ( at a cost ) and simply deposit the money into my account. This is not an option for my bank is across the country with no locations in my area. The actions, or the lack thereof, on the part of this institution is widely practiced and unacceptable especially when we are dealing with government benefits. Purposefully making funds difficult to access so this institution makes greater gains on the funds left in their possession at best is unethical and needs to be investigated. I have a great need for access to my funds and implore your agency to assist myself in resolving this ongoing issue.

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 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
This account fell behind during a very difficult period in my life. I experienced the loss of both my XXXX and my XXXX within a short timeframe, while also adjusting to the arrival of a XXXX in my household. In addition, I was dealing with a legal custody matter involving my XXXX personal property, which required significant time, attention, and financial resources. These overlapping circumstances placed a strain on my ability to keep up with my financial obligations at the time. While this was not my intention, I take responsibility for resolving the matter and am now in a position where I can work toward a fair resolution.

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 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Hello, XXXX submitting this complaint because Source Receivables has suddenly placed a collection account on my credit report for a supposed XXXX debt. I have never had a XXXX account in my life, and there is no original XXXX account listed anywhere on my credit reports. This debt does not belong to me. It seems like it may belong to another person with a similar name, but it is absolutely not my account. This collection first appeared on my credit report around XX/XX/year>, and since then Ive made multiple attempts to contact Source Receivables to get this removed. I have repeatedly requested validation or any proof that this debt is actually mine, and they have never provided anythingnot a letter, not a statement, not a contract, nothing. Despite asking several times, they continue reporting an account that is false, unverified, and inaccurate, which is extremely damaging and stressful. I know my rights as a consumer, and reporting a debt without proofespecially when the consumer disputes itfeels like a serious violation of those rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: NC

Complaint narrative:
To Whom It May Concern, I am writing regarding an alleged debt that your company has attempted to collect. At this time, I have no knowledge of any such account and have not received any prior written notice containing details of this alleged debt. I formally dispute this debt in its entirety. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you are required to provide proper validation of the debt. As of today, I have not received any documentation from your company that identifies the account, the amount owed, or the original creditor. Accordingly, I request that you provide full validation of this alleged debt, including : The name and address of the original creditor The account number associated with the alleged debt The full amount of the alleged debt, including an itemized breakdown of all charges Copies of any contract, agreement, or documentation bearing my signature that establishes my responsibility for this debt Proof that your company is authorized to collect on this account Documentation showing how this debt has been attributed to me Until you provide proper validation, you must cease all collection activity and communication regarding this matter, as required under the FDCPA. If you are unable to validate this debt, I request that you immediately cease all collection efforts and ensure that no information regarding this account is reported to any credit reporting agencies. If such reporting has already occurred, I request its immediate removal. Please note that any attempt to collect on an unverified or invalid debt, or failure to comply with the FDCPA, may result in complaints being filed with the Consumer Financial Protection Bureau and the Federal Trade Commission. I request that all future communication be conducted in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am submitting this complaint against CREDENCE RESOURCE MANAGEMENT concerning improper credit reporting and failure to substantiate an alleged debt. The account currently being reported reflects the following : Account Name : CREDENCE RESOURCE MANAGEMENT Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Reported Balance : {$6600.00} Current Status : Listed as a collection account with {$6600.00} reported as past due as of XX/XX/XXXX I formally dispute this account and any associated obligation. The manner in which this account is being reported is misleading. A collection account does not represent an active credit arrangement with scheduled payments, therefore indicating a past due amount inaccurately suggests an ongoing delinquency. In addition, the company has not provided sufficient documentation to support their claim. Specifically, I have not received : Any agreement or contract containing my wet signature Documentation showing a valid transfer or assignment of the debt Proof that the company is authorized or licensed to collect in Georgia Evidence supporting a permissible purpose for furnishing this information Despite the absence of this information, the account continues to be reported. This raises concerns under federal law, including the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681b ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), particularly regarding accuracy and verification of disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am submitting this complaint regarding Chime Financial , Inc. and its partner banking institution ( s ) ( The XXXX Bank, XXXX. and/or XXXX Bank XXXX XXXX. XXXX concerning delayed access to deposited funds, lack of transparency, absence of dispute tracking, and barriers to accessible customer service. On XX/XX/XXXX, I received written confirmation from Chime that my mobile check deposit in the amount of {$250.00} was accepted and posted to my account. At the time of deposit, I was informed that funds would be available within four days. That timeframe has passed, and I have not been provided timely access to the funds. When I contacted Chime support, I was not given a specific explanation for the delay. Instead, I received only general statements that holds may be extended for security reasons, without any individualized reason or updated availability timeline. During my attempts to resolve this issue, Chime representatives explicitly confirmed the following : - No case number or reference identifier can be provided for this issue - No formal process exists to retrieve a chat transcript as a record - No written escalation path exists beyond chat - Escalation is only available through phone-based communication Additionally, I disclosed that I have a XXXX and require written communication. Despite this, I was directed to phone-based escalation or third-party relay services, rather than being provided an accessible written escalation pathway. These practices raise multiple concerns : 1. Delayed Access to Funds Without Clear Explanation Funds were not made available within the stated timeframe, and no specific reason or revised timeline was provided. 2. Lack of Recordkeeping and Tracking The inability to obtain a case number or retrieve a transcript prevents consumers from maintaining accurate records of disputes. 3. Barrier to Accessible Customer Service Requiring phone-only escalation while denying a written alternative creates a barrier to equal access for individuals who require written communication. 4. Lack of Transparency in Dispute Handling The absence of documented escalation pathways and tracking raises concerns about how customer issues are managed and resolved. I have preserved screenshots of these communications, including confirmations from Chime support of these policies. This appears to reflect not just an isolated issue, but a broader pattern of practices that limit transparency, record access, and accessible dispute resolution for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: NV

Complaint narrative:
I am filing a complaint regarding XXXX refusal to issue a refund for merchandise that was misdelivered and never received at my address. The order was shipped via XXXX and marked as delivered. However, the delivery confirmation photo clearly shows that the package was delivered to a different address. I provided XXXX with clear photographic evidence : My residence has a white door with no screen door The delivery photo shows a mahogany-colored door with a white screen door This confirms the package was delivered to the wrong location. Company Conduct Despite reviewing this evidence, XXXX representatives XXXX XXXX, XXXX, XXXX XXXX, and XXXX refused to issue a refund. Additionally, a supervisor identified as XXXX stated on a recorded call that I had provided proof of non-delivery, yet the company still refused to process a refund. I spent four days attempting to resolve this issue, submitting all requested documentation. The company acknowledged the evidence but declined to correct the error. Pattern of Conduct / Prior Incident This is not an isolated issue. In XX/XX/year>, I experienced XXXX XXXX by a XXXX employee. When I attempted to report the incident and escalate the complaint, XXXX : Blocked my phone number Refused to allow escalation or properly investigate the complaint This prior conduct raises serious concerns about the companys handling of customer complaints and accountability. Why This Is a Concern The company is charging consumers for goods not delivered to their address The company is refusing refunds despite clear proof of misdelivery The company appears to block or suppress escalation of serious complaints This behavior may constitute unfair or deceptive business practices Supporting Evidence Delivery confirmation photo showing incorrect address Photos of my actual residence Communication records with XXXX support Record of supervisor statement acknowledging proof of non-delivery Summary This is a clear case where goods were not delivered to the correct address, yet the company is retaining payment. Combined with prior issues involving complaint suppression, this raises broader concerns about the companys conduct toward consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SinglePoint GI
State: NY

Complaint narrative:
i have a collection from XXXX XXXX, i have requested the verify debt which they never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: CT

Complaint narrative:
XXXX credit card called my job looking for me and spoke with several employees at XXXX XXXX and told them I had debt with them. I wanted to sue before with my lawyer but I want to contact you first to see if you will do anything about it. My privacy was not respected and Discover was telling my debt business to people I work with weeks later I lose my job. How I know people knew about my business they cam up to me and I didnt even know them and said discover just called my phone line and said you have debt with them. And it wasnt just XXXX person it was SEVERAL. This caused XXXX and financial distress to me as a new mom. They put me in court when I was having my baby and they were taking 25 % out of my paycheck every week. This is illegal overall. I was given this website from a friend that said it needs to be reported because it is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding the continued reporting of incorrect personal identifying information on my credit report that does not belong to me. Upon reviewing my credit file, I identified multiple personal identifiers that are inaccurately associated with my profile. These include names, addresses, and other identifying details that I have never used, never been linked to, and do not reflect my true identity. I have taken steps to address inaccuracies in my credit report ; however, the incorrect personal identifiers remain. The continued association of this information with my credit file indicates a failure to maintain accurate consumer records. Pursuant to the Fair Credit Reporting Act ( FCRA 607 ( b ) ), consumer reporting agencies are required to implement and follow procedures designed to assure the highest level of accuracy in consumer reports. The presence of erroneous identifying information suggests that these procedures are not being properly enforced. Additionally, the reporting of incorrect personal identifiers creates a risk that my credit file may be improperly linked with another individuals data. This misassociation can result in serious consequences, including the potential inclusion of accounts, inquiries, or other financial data that do not belong to me. Given that this information is incorrect and not attributable to me, it should not be included in my credit file under any circumstances. I am requesting that the credit reporting agencies conduct a comprehensive file audit and remove any personal identifying information that can not be conclusively verified as belonging to me. Disputed Personal Identifiers : Employment Record : XXXX 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 non-monetary relief
Consumer complaint received 2026-03-19 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: AL

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 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
XXXX XXXX XXXX and XXXX close my accounts due to too many claim on fraudulent transactions. They did gave me all my refunds but if my complaints are correct and I am not at fault why do they close my accounts? I either get scam or get some sort of fraudulent transaction on my accounts. What am I suppose to do?

Company response to consumer: Closed with explanation