vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA, which it prohibits. They furnished this account that we didnt agree upon, and I didnt sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They didnt follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations, and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I called last week. My sister sent me a check. XXXX XXXX  withdrew the funds from my sisters ' account at XXXX XXXX. They refused to release the money to me. They claimed they had " CONFIDENTIAL '' information and wouldn't release my funds for a week.. They sent a letter saying so. 
XXXX they have done the same thing AGAIN with checks made out to me from the State of XXXX XXXX, Office of the Attorney General, XXXX XXXX XXXX XXXX XXXX. 
They have the money. They are using my money. They are NOT releasing my money to me.

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 2026-01-27 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: Klarna AB
State: OH

Complaint narrative:
I am filing a complaint regarding Klarnas handling of a Buy Now, Pay Later purchase for goods that were never received. 

I placed an order with the merchant XXXX XXXX and paid using Klarna in the amount of {$230.00}. Although tracking information provided by the merchant shows the package as delivered, I never received the item. 

I contacted XXXX XXXX multiple times over several months via email and support requests and received no response. Due to the merchants lack of communication, I attempted to resolve the issue through Klarnas dispute process. 

Klarna closed the dispute solely based on the merchant providing tracking information, without confirming actual delivery or requiring proof such as a signature or XXXX XXXXonfirmation. Klarna has also refused to pause my payments, despite the fact that the goods were never received and the merchant is unresponsive. 

I have filed a formaXXXX XXXX XXXX XXXX XXXX XXXX  ) complaint against XXXX XXXX due to non-delivery and failure to respond. 

I am requesting that Klarna suspend all remaining payments, remove any obligation to pay for goods not received, and ensure that this matter does not negatively affect my credit or account standing. 
I am requesting Suspension and removal of the remaining balance for goods never received, confirmation that my account will not be negatively reported, and a fair resolution consistent with consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CO

Complaint narrative:
Never told me why I cant get a cash app card.i reported it so many times they ask me to link my bank card to it .now I cant even use my bank card?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank Delaware has failed to provide the written investigation report required by 15 U.S.C. 1666 ( e ) and 12 CFR 1026.13 ( d ) for the billing dispute regarding a {$1100.00} charge ( XX/XX/XXXX ; merchant XXXX XXXXXXXX ). 
In their response to my XXXX complaint ( ID XXXX, dated XX/XX/XXXX ), Barclays stated : " We completed the investigation of your additional inquiry and sent you a detailed summary of any actions we may have taken via email from XXXX. '' I have not received any such email or detailed investigation report, despite multiple requests.

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 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am asserting a claim and defense against the holder of my consumer credit contract ( Capital One Auto Finance, Account # XXXX ) pursuant to the FTC Holder Rule ( 16 C.F.R. 433.2 ). 

The underlying purchase of my XXXX XXXX XXXX  ( VIN : XXXX ) on XX/XX/XXXX, was based on a material omission and Auto Fraud. Specifically, the dealer failed to disclose that the vehicle had a catastrophic transmission replacement on XX/XX/XXXX, at XXXX miles ( confirmed by XXXX corporate service records ). 

The current operator of the dealership, XXXX XXXXXXXX XXXX XXXX XXXX, is attempting to evade liability by claiming a change in ownership occurred on XX/XX/XXXX. However, they have established Successor Liability under Californias Mere Continuation doctrine by : Continuing the business at the same physical location with the same equipment. Impliedly assuming the contract : XXXX is currently honoring the XXXX XXXX XXXX ( sold with the vehicle ) for repairs as recently as the week of XX/XX/XXXX. 

Despite this, XXXX XXXX XXXX XXXX refused to provide a remedy on XX/XX/XXXX. As the " Holder '' of this contract, Capital One is legally responsible for the dealer 's misconduct. I request that Capital One investigate this fraudulent sale and the successor status of the dealer to provide a full rescission of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius Global Solutions is reporting a {$180.00} telecommunications collection account originating from an XXXX XXXX XXXX wireless account. The original account became delinquent approximately XXXX XXXX  ago. 

Despite the age of the debt, Radius Global Solutions is reporting the collection to XXXX  as a new account with an age of account of approximately XXXX XXXX XXXX  XXXX, and a recent reporting date in XX/XX/year>. This misrepresents the true date of first delinquency and constitutes illegal re-aging under the Fair Credit Reporting Act. 

I have previously disputed this account and requested validation and confirmation of the original date of first delinquency. The collector responded that the account meets FCRA requirements but did not provide documentation establishing the correct delinquency date or correcting the inaccurate reporting. 

As a result, obsolete debt is being improperly reported as current, causing inaccurate credit reporting. I am requesting deletion of this account or correction to reflect the true date of first delinquency, which would result in immediate removal due to age.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
When I was in XXXX XXXX, there was a long took out in my name, probably from my real parents. I have no idea. Its not mine. I can not take out a loan while Im in fXXXX XXXX. Yes, I have proof that I was still in XXXX XXXX at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
I tried to apply for an online loan. I dont know the company but im sure my bank knows. When i found out i was overdrafted XXXX dollars i went there and asked why they let this happen. Was told that if they felt i was doing good enough they could just take the no everdraft thing off. Without notice. They sent me a copy of 4 checks that were on manegement hold for being fraudulent. I asked them if these cxxheck were fake why did you let them overdraft my account. All i got was a lot of avoidance about it. I put in a dispute but they said i have to pay it back.This happened on the XXXX of XXXX. My bank is idaho central credit union in XXXX Idaho. Its on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Revolut Technologies Inc.
State: OK

Complaint narrative:
I am filing a formal complaint against XXXX for unjustly restricting my account and withholding my funds totaling {$10000.00} for over 87 days, without providing any explanation or resolution timeline. 

On XX/XX/year>, I opened a XXXX account to send money internationally to XXXX due to a medical emergency involving my cousins XXXX. I transferred {$10000.00} total, in XXXX separate deposits of {$2000.00} each, from my primary XXXX bank account into my XXXX account. The funds fully settled within XXXX to XXXX hours. 

When I attempted to send the international transfer, the transaction was declined. Upon contacting XXXX customer support, I was informed that my account had been placed under review and restricted, preventing me from sending, receiving, or withdrawing my own money. 

Since then, I have contacted XXXX support numerous times over the last XXXX days, and I consistently receive the same response : Your account is under review. We can not provide any timeline or further information. 

I have also filed XXXX formal complaints directly within the XXXX app, but I received only generic responses and no meaningful updates. 

I requested that XXXX at least refund my money back to my original bank account, but this request was also denied, again with no explanation. 

XXXX has now been holding my {$10000.00} for nearly XXXX months without justification, transparency, or resolution. They refuse to explain the reason for the review, provide a timeframe, or release my funds. This has caused significant financial hardship and emotional distress, especially given the medical emergency for which the money was intended. 

I believe XXXX is engaging in unfair, deceptive, and abusive practices by : - Accepting large deposits without proper upfront verification - Restricting access to funds afterward - Holding customer money indefinitely with no explanation - Refusing to process refunds I respectfully request CFPB assistance in compelling Revolut to : XXXX. Immediately return my {$10000.00} to my original bank account or allow me transfer fund to XXXX and XXXX. Provide a written explanation for the prolonged account restriction. 

Below i have attached the transactions details and some of the chats with the support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
A series of unauthorized XXXX transactions occurred on my account between XX/XX/XXXX and XX/XX/XXXX in varying amounts. I did not make, approve, or benefit from these transactions. There was no consent from my side. I promptly disputed all charges, yet no satisfactory resolution has been provided. I believe these charges are fraudulent and request immediate correction, refund, and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft and discovered several fraudulent accounts and inaccurate personal information appearing on my Equifax credit report. These accounts were opened and reported without my knowledge, authorization, or benefit. I did not apply for or use these accounts in any way.

The fraudulent accounts are reporting derogatory balances and payment history that do not belong to me. My credit report also contains incorrect personal information, including an address that is not mine, inaccurate name data, and an incorrect date of birth. This inaccurate personal data appears to be associated with the fraudulent activity.


After discovering the identity theft, I completed an identity theft report and gathered documentation to verify my identity and confirm the fraudulent nature of the accounts. I submitted a formal request to Equifax to block the fraudulent accounts and remove the inaccurate personal information under Section 605B of the Fair Credit Reporting Act, which requires credit reporting agencies to block identity theft-related information within four business days of receiving proper documentation. Despite my submission, the fraudulent accounts and incorrect personal information continue to be reported. The continued reporting of this information is damaging my credit standing and does not comply with federal identity theft blocking requirements. I am seeking enforcement of my rights under the Fair Credit Reporting Act and request that Equifax properly block the fraudulent accounts and delete the inaccurate personal information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Account Type : Personal Loan Debt XXXX Funding Amount : {$13000.00} I am writing to formally dispute this account, as I was a victim of identity theft and did not authorize or open it. The activity associated with this account is fraudulent and does not belong to me. I respectfully request that this account be investigated and permanently removed from my credit history in accordance with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I purchased a vehicle in late XXXX with several add-on products financed into my auto loan, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. 

In XXXX XXXX, I submitted completed official cancellation forms to the dealer for these products ( provided by the dealer/administrator ). 

Over 12 days have passed with no processing : the dealer redirected me to different emails without action, provided no confirmation, and delayed refunds. 

These delays cause me to pay unnecessary interest on the financed amounts that should be refunded and applied to reduce my loan principal. 

The dealership group is now owned by a larger automotive group ( acquired in XXXX ), but responsibility remains with them. 

I want the add-ons cancelled and full pro-rated refunds applied directly to my loan principal ( standard for financed products ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
A account I didnt recognize sent me XXXX within that same day a address XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX and card ending in XXXX withdrew that XXXX from my PayPal balance and within that same day removed the card I can provide any proof needed for this investigation and can prove my identity and can prove my residency as well as Im the owner of the email

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 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: IL

Complaint narrative:
I deposited a U.S. Treasury tax refund check into a new Citi account on XX/XX/year>. Citi later closed the account on XX/XX/year> and has not released the funds to me or returned the check proceeds to the U.S. Treasury. 

Citi now claims the check will be returned 4560 days after account closure, but they have provided no proof of return, no transaction trace number, and no confirmation that the funds have been sent through the Treasury/Federal Reserve system XXXX 

Because Citi has not returned the funds, the IRS and U.S. Treasury can not reissue my tax refund. Citi is effectively holding federal funds with no resolution timeline.

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 2026-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I lost my employment on XX/XX/XXXX, following the death of my father due to a XXXX XXXX. At that time, I had active credit card accounts with XXXX XXXX  and Capital One. While employed, I consistently made at least the minimum required payments on both accounts in a timely manner. 

After becoming XXXX, and despite ongoing efforts to secure new employment, I have been unable to continue making payments. Beginning in late XXXX to XXXX  XX/XX/XXXX, I started receiving repeated phone calls and text messages from both XXXX XXXX  and Capital One regarding these accounts. I have informed both companies multiple times that I am currently XXXX  and experiencing significant personal hardship. 

Despite these explanations, representatives have continued to ask whether I can make a payment, including requests for amounts as low as {$20.00}, even after being advised that I do not have the financial ability to do so. The contact frequency has ranged from one to three times per day, with calls occurring as early as XXXX XXXX. and as late as XXXXXXXX XXXX 

Additionally, I disclosed during my initial communications that I am dealing with compounded personal loss, as my mother also passed away from a XXXX XXXX less than one year prior to my fathers death. 

As of XX/XX/XXXX, the balance owed to XXXX XXXX  is {$1300.00}. 
As of XX/XX/XXXX, the balance owed to Capital One is {$510.00}. 

I am submitting this complaint to document the repeated contact despite clear notice of financial hardship and XXXX, and to request appropriate consideration under applicable consumer protection standards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the above-referenced account currently being reported by Credit Collection Services . I do not acknowledge this debt, nor do I admit any legal obligation to it. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. Please provide competent evidence that I am legally responsible, including but not limited to : A copy of the original contract or agreement bearing my signature Proof that Credit Collection Services has legal standing to collect this debt A complete accounting of the alleged balance The name and address of the original creditor and documentation of assignment Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, any information furnished to consumer reporting agencies must be accurate and verifiable. Reporting an unverified or disputed debt violates 1681s-2. If you are unable to substantiate this account, you are required to delete it from all consumer credit reports to which you have furnished information.

Be advised that continued collection activity or credit reporting without proper validation may constitute violations of 15 U.S.C. 1692e and 1692f, which prohibit false, misleading, or unfair collection practices.

This letter serves as a formal notice of dispute. If validation can not be produced, I demand immediate cessation of collection efforts and permanent deletion of this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation