vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
We bought plane tickets through capital one 's XXXX website. The fare we selected clearly says seat selection is included. However, when trying to select seats through their website, it says go to the carrier 's website ( booked through XXXX XXXX XXXX XXXX, but operating as their subsidiary XXXX XXXX ). 

When we went to XXXXXXXX XXXX website, it says we have to pay more for seat selection. 

I communicated this to capital one, asked for clarification, and proposed they reimburse me for the seat selection payments due to lack of transparency. 

They said the " seat selection included '' note means I can select seats, but that does not mean I don't have to pay more for that. They also said going forward, I should check with the actual airline to confirm if seats would actually be included before I book, even if capital one 's website says seats are included. 

Seems very misleading. We paid {$2500.00} for our tickets thinking seating was included, but ended up paying a {$400.00} more to actually reserve seats.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
After my previous dispute, they said they sent me a letter. I never received a letter. I called them today ( XXXX ) to request the same info but was told that since the account was in dispute it was sent to the original creditor. I explained that I was not living in the home at the time of the billing period. I was told to call the original company that had the debt ( XXXX XXXX ). I called XXXX XXXX and they could not find an account. I described to them my conversation with the collection company and they assured me that this account does not exist. 

These charges are the result of identity theft and should not be on my report. I am requesting this account removed with all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: TX

Complaint narrative:
I do not recognize or authorize the listed accounts and deny any association with them. I respectfully request a comprehensive review and removal of these entries. Documentation is enclosed for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I financed a purchase from XXXX through Affirm totaling over {$300.00}. 

The package was shipped via XXXX  and was misdelivered. The XXXX delivery photo provided does not show my residence. I never received the merchandise. 

XXXX verbally confirmed the package was delivered to the wrong address, but stated that only the shipper ( XXXX  ) can file a carrier claim. XXXX also confirmed that XXXX never filed a claim, which is why XXXX can not provide written documentation to me as the recipient. XX/XX/year> XXXX when XXXX confirmed it was delivered to my neighbor house. Without knowing the address he said it was delivered to XXXX XXXX XXXX when he transferred me to is supervisor the supervisor said it was delivered to my address. 

Despite this, Affirm ruled against my dispute and is requiring me to repay a loan for goods I never received. Affirm relied on incomplete and conflicting delivery information and did not require the merchant to prove delivery to my actual address. 

I am requesting that Affirm reverse the dispute decision, cancel the loan, and remove any obligation for repayment for merchandise that was never delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was banking with XXXX XXXX  using the Zelle service to send/receive money. I added multiple contact points to my Zelle profile so I can send/receive money from any of them if needed. Shortly after, I was banned from using Zelle and I haven't been able to use Zelle whatsoever using my phone number or email address. I have contacted XXXX XXXX I have contacted Zelle, they just point fingers at each other and I haven't been able to get this issue resolved for XXXX years which resulted me closing my XXXX XXXX  account out of frustration. I still wish to use Zelle with my phone number and email address but I have no solutions for this and I was wrongly banned from Zelle. This has made my life more difficult to send money to people as Zelle is widely used by everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by Southwest Recovery Services in the amount of {$1000.00}, allegedly associated with XXXX XXXX. I never received any prior written notice, billing statement, or communication from Southwest Recovery Services regarding this alleged debt before it appeared on my credit report. I was not given an opportunity to dispute or validate the account prior to credit reporting. 
Despite disputing this account, it continues to be reported without documentation substantiating its accuracy or proof that proper notice was ever sent. 

Reporting a collection account without first providing proper notice violates consumer protection laws. Under the Fair Debt Collection Practices Act ( FDCPA 1692g ), a debt collector must provide written notice of the debt and the consumers rights before engaging in collection activity, including reporting to credit bureaus. 
Additionally, under the Fair Credit Reporting Act ( FCRA ), information must be accurate and verifiable. Because no notice or validation has been provided, the accuracy of this account can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Phone Number optional ] Date : [ XX/XX/year> ] Via Certified Mail / Return Receipt Requested [ NCB management services ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Re : Cease and Desist Alleged Account # [ Account Number, if known ] To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced alleged debt. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby notified that you must immediately stop all forms of communication with me, including but not limited to telephone calls, letters, emails, text messages, or communication through third parties. You may only contact me to : XXXX. Confirm that you will comply with this request, or XXXX. Notify me of any specific legal action you intend to take. This letter is not an acknowledgment of liability, nor is it a refusal to pay. It is simply a formal demand that you comply with federal law. If you fail to comply with this request, I will document all violations and may pursue remedies available under federal and state law. Please govern yourself accordingly. Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am submitting this complaint regarding interest and late payment fees that were assessed on a retail credit card account despite consistent payment activity and full repayment under the applicable payment plan. 
The account maintained a relatively small balance prior to enrollment in a promotional payment plan that was intended to pay the balance in full. Over the life of the plan, payments totaling more than {$3000.00} were made. Based on the payment schedule and amounts paid, the plan balance was fully satisfied prior to the assessment of the disputed charges. 
Despite this, the account issuer assessed interest and late payment fees beginning in XXXX. These charges continued over multiple billing cycles and accumulated to approximately {$700.00} in total. 
During the period in which these fees accrued, I did not receive effective notice of any missed payments, balance issues, or fee assessments. In addition, account visibility issues limited the ability to identify or resolve the problem earlier. 
Once the charges were discovered, it became clear that they were inconsistent with the completed payment plan and prior payment history. The account reflects a pattern of timely and sufficient payments, and there is no indication that the fees corresponded to an actual unpaid balance at the time they were assessed. 
I am requesting that the issuer review the account activity and reverse all interest and late payment fees charged on the promotion, and correct the account accordingly. 
Supporting documentation of payments can be provided upon request.

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 2026-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
I contacted the original company the debt was owed to oXXXX XXXXXX/XX/XXXX who confirmed the debt was sent to collections in error at which time they sent a message to the agency to recall the debt. However on XX/XX/XXXX I received another call from the collections agency to pay the debt. I contacted the original company again on XX/XX/XXXX which they confirmed the recalled status of the debt, but wrote the collector again to recall the debt. However, I received yet another call from the agency on XX/XX/XXXX. The collections agency confirmed it was recalled on XX/XX/XXXX and there was no debt owed yet Im still getting harassing calls about a debt I do not owe.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 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: CA

Complaint narrative:
citi bank closed my account without notification they say that because i deposited the check in my husbands name they are refusing to release the money even though i had deposited days before and always release the money from the same company and of my husbands name total i deposited numbers of XXXX  XXXX of {$640.00} dolares of my husbands name de the total money they refusing to return is saving is {$500.00} and from my checking account is {$1900.00} total {$2400.00} i call them XXXX time and they saying they not return my money i need my money because i have diseabled kids he needs especial needs

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 2026-01-02 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: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
Between XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX fraudulent activity occurred on my credit card. On XX/XX/XXXXXXXX  I locked the card and reported the fraud to Robinhood. They declined the claim and asked for more information such as a police report or receipts, alibi etc. After submitted a police report, FTC report, and receipts proving the card could not have travelled between locations it was used both legitimately and fraudelently, they still declined my claim. They stated since the card is in my position and the claimed fraud charges used the chip, that it's impossible to counterfeit a chip. So they are saying its not fraud. However, I have not been to those cities during the timeframe the charges occurred, and, in a few instances, the card could not have travelled from one location to the next by any means of modern travel due to distance. There are charges within XXXX hours of each other in locations XXXX hours apart with no direct flights ( XXXX XXXX XXXX TX and XXXX, TN ). Any sensible human would know there has to be a second chip and this is physically impossible. Robinhood declined by claim and said they would report my disagreement to the credit bureaus. Insinuating they will negatively impact my credit report. Yes, they said that in an email. They do not have a way to talk on the phone, only email. 

Fraud Charges : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Declined Charges ( Credit Card Locked ) XX/XX/XXXX XXXX XXXX XXXX, TX {$110.00} XX/XX/XXXX XXXX XXXX XXXX, TX {$1300.00} Attached is a XXXX receipt that is legitimate and within XXXX hours of the XXXX XXXX charge for {$290.00} above. The two charges are within 2 hours, one in XXXX, TN and the other XXXX XXXX, TX. Both were used in store. That is physically impossible with one chip card. This proves fraud without a shadow of a doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency NCB Management service # XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
This debt was sold to a third-party debt collector. It is no longer owed by the original debt collector the original balance is no longer the same I want this debt removed 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 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am formally appealing the denial of my fraud claim dated XX/XX/year>. 
I did not voluntarily disclose my PIN to a third party. I was the victim of impersonation fraud. 
The caller spoofed Chase Banks official phone number and claimed there was fraudulent activity on my account. Because the call appeared to come from Chase, and because a card replacement-related fee was subsequently charged, I reasonably believed I was speaking with Chase. 
I was deceived into entering my PIN via keypad under false pretenses. This was not authorization of transactions, but a result of impersonation and social engineering fraud. 
I have filed a police report regarding this incident and can provide the case number upon request. 
I respectfully request that this claim be reviewed again under impersonation fraud standards, including Chases fraud monitoring and duty of care. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I have been trying to login to my account for 2 weeks. my online account was no longer valid that was the error message. I tried resetting password and it did nto recognize my account info or social security number. I received a statement from mr cooper but it now had XXXX XXXX on it. So I tried logging and creating an account with XXXXXXXX XXXX and it did not work. I tried calling them XXXX I found online they said they can not help.They gave me XXXX they also could not help. I called number on my statement for mr cooper XXXX and it did not recognize my loan number and social security. I kept pressing numbers and I dont even know how I got an agent to answer but she was trying to help and told me that I had to change my username to have my email address now with the new changes. she changed it, I did a password reset, verified email but still it did not let me login. we tried different browsers and login in via phone but still have no access to my account. I asked for an email that I can email to, to show that I am tryign to pay my account and don't want my account being late but she said it can take up to 15 days to get a reply. email she gave was XXXX .please help me it has taken hours and days of tryign to get access to my account and I am not getting anywhere. also mr cooper did not send any correspondence of any changes to me or information about rocket mortgage change and how it would affect my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello! XXXX XXXX XXXX i'm contacting you to tell you about this month work! I got my Social Security Check direct deposit into my Checking account on the XXXX on XX/XX/year>. There was a - {$66.00} missing out of my calculations. My checking account after i added everything up even accounting for the - {$65.00} that was taken out of for late fees the month before a - {$66.00} was missing out of my pay i don't appreciate this especially after not even receiving my Social Security Administrations Back Pay for these months here in XX/XX/year> through XX/XX/year> Back Pay of + {$730.00} and this was reported majorly to you guys for the whole month? But didn't not show for this year 2025. My Attorney 's both have proof of this proof of income and reported to them. But most especially wanted to get up on this - {$66.00} for XX/XX/XXXX checking before even dipping in the + {$66.00} owed back to me somewhere! Thank You!

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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
All of my credit card accounts were closed at Bank of America on the same day XXXX No notice was given except to say I would be receiving a letter in the mail. I have used Bank of America credit cards for years and accrued XXXX points. These points are valued at {$2800.00} or more if I redeemed for travel. Bank of America did not allow me to redeem my points. I did not commit fraud.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency IC System INC has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: NY

Complaint narrative:
I have never heard of this company until I saw them on my credit report. I called their office and they could not verify me or provide any information about the debt displayed on my credit report. I am disputing said debt as I do not know where it originated and they are falsely reporting it without any attempts to allow me to validate or dispute it. 
Account info Account name AMERICAN PROFIT RECOVERY Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$410.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$410.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation