vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I put a credit card in my name for somebody and they ended up not paying the bill, ive been getting notice about capital one but i havent use the card for myself. The amount is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
Account number XXXX with XXXX with a balance of {$1700.00}. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete account number XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
We have been dealing with the escrow for sometimes last year we paid over {$2000.00} dollar to get the escrow back to the cost when we purchased the home. Vanderbilt proceed to say that they paid two insurance companies which is against the law and a lie and I told the agent last year to use the same insurance company that was on the loan the day of purchase and they processed to put lenders place that doesn't protect us but them. Which made the escrow go up and I have stated to them multiple times that it's not right. Moving forward I redid the insurance with home first I called Vanderbilt to see have it been updated and the agent lied and I told him that the insurance company told me that they sent the new policy over and that a new escrow will be ran to adjust the amount and any refund will be sent back to Vanderbilt. Then the supervisor lied about when the escrow would be done every year but that's false XXXX they changed our account every month. WE WANT THIS MATTER TO BE DONE CORRECTLY AND STOP TRYING TO GET OVER ON CUSTOMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Back in XX/XX/XXXX I sent my last payment to XXXX XXXX. My balanace was XXXX lower then XXXX. LVNV sent me a collection notice in XXXX. I asked them to send me a copy my information from XXXX XXXX XXXX. They did. Then XXXX XXXX XXXX XXXX XXXX send me a collection notice about the same XXXX XXXXXXXX account. I told them that the amount they say I owed to XXXX XXXX XXXX is wrong. In XXXX or XX/XX/XXXX I received a letter from XXXX XXXX XXXX that they are trying to collect the money for the same account, at the same time that it Showed up on my XXXX credit report that LVNV has it Today I get not XXXX but XXXX letters from XXXX XXXX XXXX that they are trying to collect {$1200.00} from account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
This is a direct escalation and secondary violation resulting from the flawed resolution of my previous case regarding Lexus Financial Services. Lexus Financial Services recently corrected an incorrect XX/XX/XXXXXXXX late mark following a CFPB inquiry. However, their automated system has glitched as a result of that fix, and they are now reporting a completely false XXXX late marker for XX/XX/XXXX to XXXX. I have attached my official internal Lexus ledger proving my XX/XX/XXXX payment was paid on time and accepted by them since both XXXX and XXXX where given a payment deferral. Their system is corrupting my credit file in violation of the FCRA. I require an immediate executive manual override to clear this XX/XX/XXXX2024 error. Prior I was approved for a XXXX payment extensions with Lexus Financial Services ( LFS ) for the month of XXXX and XX/XX/XXXX. There is a fee to have the payment extension which totaled {$560.00} ( I paid {$560.00} ) for the those XXXX months. According to the Lease Agreement Deferral my next payment would be due XX/XX/XXXX, I paid the payment on XX/XX/XXXX. A XXXX would be XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Account Closure and Withholding of Funds To Whom It May Concern, I am filing a formal complaint regarding Citi Bank 's decision to close my account without providing a legitimate explanation and its continued withholding of a portion of my funds. On or about XX/XX/year>, Citi Bank notified me that it had decided to close my account. However, I was not provided with a clear or specific reason for the closure. Despite my repeated efforts to obtain an explanation, Citi Bank has failed to provide adequate information regarding why my account was closed. At the time of the account closure, my account contained funds totaling at least {$600.00}. Citi Bank released only {$200.00}, leaving a remaining balance of {$400.00} that has not been returned to me. Since the closure of my account, I have consistently contacted Citi Bank approximately every other week seeking information regarding the status of my remaining funds. During these calls, I have repeatedly been told to wait 30 to 60 days for processing. After that period passed, I was informed that a check would be mailed to the address on file and that I would need to wait an additional 15 to 17 days for delivery. Despite following Citi Bank 's instructions and waiting through each of the timeframes provided, I still have not received the remaining {$400.00} owed to me. Each time I contact Citi Bank, I am given another waiting period rather than a resolution. This ongoing delay has caused significant frustration and concern, especially since no valid explanation has been provided for either the account closure or the withholding of my funds. I believe Citi Bank has a responsibility to provide account holders with clear information regarding account closures and to promptly return any remaining funds. The continued withholding of my money without a reasonable explanation or timely resolution is unacceptable. I respectfully request the following : 1. A written explanation detailing the specific reason my account was closed. 2. A written explanation for why {$400.00} of my funds continues to be withheld. 3. The immediate release and payment of the remaining {$400.00} owed to me. 4. A complete accounting of all funds that were in my account at the time it was closed. 5. A prompt written response addressing this complaint and the status of my remaining funds. I have made multiple good-faith efforts to resolve this matter directly with Citi Bank , but months have passed without resolution. I am therefore requesting a formal investigation and immediate corrective action. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Last 4 XXXX XXXX XXXX XXXX XXXXXXXX ]

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 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Subject : Identity Theft Block Request Under FCRA 1681c-2 ( Section 605B ) and Billing Error Notice Under 15 U.S.C. 1666 & 1666 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law. They are reporting an OPEN account on my credit report but it has been CLOSED and charged off since XXXX 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 explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I sent {$600.00} through Western Union. The recipient was unable to collect the funds, so I went back to get my refund. Western Union then informed me that the refund had already been issued, but I never received any refund. I opened a case with Western Union and the matter was escalated. I was told I would receive a response within XXXX days, but that deadline has passed and I have not received a resolution nor a single email updating me about the case despite calling their customer service line XXXX times now. I have the original receipt, XXXX, and case number.The only information the company provided to me was through an agent that said the money was refunded on XX/XX/XXXX. I also emailed Western Union customer service a week ago to still receive no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This is a new complaint regarding unresolved credit reporting inaccuracies following a previous closed case ( Case No. XXXX ). In Chase 's response dated XX/XX/XXXX, the company claimed that my underlying bank ( XXXX ) refused to honor scheduled ACH requests in XX/XX/XXXX and asserted that Chase made no error. However, I have recently obtained official regulatory documentation from an Office of the Comptroller of the Currency ( OCC ) investigation into The XXXX XXXX ( OCC Case XXXX ). In this legally binding response dated XX/XX/XXXX, the bank explicitly states : " XXXX or the Bank has no record of Chase attempting to collect these funds on XX/XX/XXXX, or again on XX/XX/XXXX. Based on the information available, it appears the issue may have resulted from Chase using an incorrect account number. '' The underlying bank further confirmed my account was active and fully functional during this period. My attached bank statements also objectively prove that adequate funds were present during all automated withdrawal windows. The sole root cause of the delayed payment was an internal data entry or system error on Chase 's end, meaning Chase failed to successfully initiate a valid ACH pull to the correct account string until the data was manually corrected on XX/XX/XXXX. Penalizing my credit profile with a 30-day late mark for an administrative processing error on the lender 's part violates the Fair Credit Reporting Act ( FCRA ) requirement for 100 % accurate reporting. I am requesting an immediate executive review of these conflicting bank records to correct my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: VA

Complaint narrative:
Issue : Discover altered my dispute history, overwrote prior final determinations, and changed the dispute portal records on XX/XX/year>. Discover issued multiple contradictory outcomes for the same XXXX disputes, including resolved in your favor, transaction is valid, and credit reversed and reapplied, often on the same dates and using final determination language. I have letters showing permanent credits, reversals after final decisions, and claims of merchant evidence that was never attached. On XX/XX/year>, the Discover dispute portal changed all XXXX disputes to new closure dates and removed the original timeline. The portal now contradicts Discovers own mailed letters. This appears to be a record alteration event that overwrote the historical dispute data and destroyed the XXXX XXXX. This has caused financial harm, inaccurate credit reporting, improper reapplication of charges, interest assessed on disputes previously resolved in my favor, and loss of the original dispute history. I can not reasonably verify or defend my rights under Regulation Z because the system of record no longer matches the banks own correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XXXX XXXXXXXX ID : XXXX Transaction Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$150.00} I am filing a complaint against XXXX regarding a misleading transaction experience that resulted in a financial loss of {$150.00}. On XXXX, XXXX, I entered a recipients US phone number ( XXXX ) into the mobile XXXX app, per XXXX instructions to locate a recipient in the app, in order to send a graduation gift. The app displayed the recipient as an available XXXX user. Based on this representation, I reasonably believed that the recipient had an active XXXX account. The recipient told me he didnt receive the money since he doesnt have a XXXX account. I call XXXX on XXXX, XXXX and learned the funds had been routed to a PayPal account associated with the phone number ( XXXX ). At no point during the transaction did XXXX disclose : - That the recipient was not a XXXX user - That the funds would be routed to PayPal instead - That the recipient would need to take additional steps to claim the funds The recipient is an international student without a U.S. Social Security number and can not access the funds due to PayPal verification requirements. This situation occurred because XXXX interface represented the recipient as an active XXXX user without providing clear and conspicuous disclosure otherwise. This appears to be a deceptive or misleading practice, as I relied on the apps representation when authorizing the transaction. I have already contacted XXXX customer support and PayPal customer support multiple times and spent hours on the phone but have not received a satisfactory resolution. XXXX tells me I need to contact PayPal and PayPal tells me I need to contact XXXX. I am not able to file a dispute using either XXXX or PayPal due to the limited options/choices available and my case does not fit them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am filing a complaint regarding funds being held by Chase. Around XX/XX/year>, approximately {$6500.00} in customer payments processed through my Chase XXXX XXXX account were placed on hold. I was informed that the matter had been referred to Chase 's Risk Department. Since then, I have contacted Chase multiple times seeking information about the hold, the status of the review, and the expected release date of the funds. I was repeatedly told that the Risk Department was reviewing the matter and that customer service representatives and supervisors could not communicate directly with that department. On XX/XX/year>, I personally arranged a three-way call with the cardholder and the card issuer. During that call, the cardholder confirmed that the transaction was authorized and legitimate. After that verification, I was advised that the matter should be resolved within 24 to 48 hours. However, as of today, the funds remain unavailable. I have requested an explanation for the hold, a completion date for the review, and information about whether any additional documentation is needed. Chase has not provided a specific reason for the continued hold or a clear timeline for resolution. I am requesting that Chase provide a written explanation for the hold, complete its review promptly, and release the funds or provide a specific reason and timeline for any continued restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have been attempting for over 3 months to close my XXXX account. I have talked to customer service on XXXX every day and they say 24 hours however it never is closed. They say its their system and will not provide me an answer to why. I first started trying to close this account on XX/XX/year>. I asked it to be escalated to tier 2 and was never escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Aargon Agency Inc ( AAI ) for an erroneous and fraudulent debt collection attempt regarding an alleged medical debt of {$5700.00} from XXXX XXXX XXXX in XXXX XXXX. I have never visited or been a patient at this facility. In XXXX XXXX, I received an initial notice from AAI addressed to a stranger ( 'XXXX XXXX XXXX ) at my address. I promptly disputed it by writing a note stating that no such person lived here and returned the mail. I took a photo of this written dispute before sending it back ( XXXX ). Instead of correcting their database error, AAI ignored my notice and subsequently sent an itemized medical bill to pressure me. AAI provided an 'itemized bill ' ( XXXX ) dated XX/XX/XXXX, as debt validation. However, this official system document completely refutes their claim and proves a severe case of identity mismatch : The patient is explicitly listed as a female ( " F ' ), whereas I am a male. The legal Last name on the file is also entirely different from mine, and even the first name is different from my printed legal name. The Social Security Number record on the internal file do not match my legal identity. The document claims the patient was hospitalized in XXXX XXXX for nearly 5 months, from XX/XX/XXXX, to XX/XX/XXXX. This alleged 5-month hospital stay is a physical impossibility. I have provided undeniable, geotagged photographic evidence from my device proving my continuous presence in Texas during that exact timeline : A photo ( XXXX ) from XX/XX/XXXX, proving I was in Texas with my family the day before the alleged admission. A photo ( XXXX ) from XX/XX/XXXX, proving I was living my daily life in Texas right in the middle of the claimed 5-month Nevada hospitalization . AAI is engaging in unfair and deceptive practices by attempting to collect a stranger 's medical debt from me based on a flawed data merger. I demand that AAI immediately close this fraudulent file, cease all collection attempts, and ensure this error never impacts my credit profile.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Commercial Services, Inc
State: IN

Complaint narrative:
I dispute the company 's response. I do not agree with the statement that I caused the accident or that I am legally responsible for the damages being claimed. The company has provided conclusions regarding fault, but I have not been provided sufficient evidence establishing that I was responsible for the collision. I request that the company provide all documentation supporting its determination of fault, including the complete police report, witness statements, photographs, insurance findings, and any other evidence relied upon. I also request an itemized accounting of the claimed balance and documentation proving I am legally obligated to pay it. Until adequate documentation is provided, I continue to dispute both the validity of the debt and the company 's assertion that I was at fault for the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
They are reporting a balance is due.But the balance was paid in full XX/XX/year>. I disputed this account with the credit bureaus and XX/XX/year> they said the balance is correct. I want this account completely removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NM

Complaint narrative:
XXXX was spent in my account I asked to dispute it was to these charges as they were not mine and was told mmy account was closing on XX/XX/XXXX I asked XX/XX/XXXX XXXX 2026, Before that I have on going dispute XXXX I. Rought something online they gave me fake tracking number for XXXX and I sent proof of this any other dispute I've ever had i have police reports for I e told chime over and over i believe my account was hacked some home i keep losing money as they never refund stolen money ever. Even when a police report is provided i just want all my stolen funds returned with the XXXX and the other amounts it totals over XXXX dollars stole. From my account and chime helping the. Steal over and over again

Company response to consumer: Closed with explanation