vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
In XX/XX/year> we purchased a home water filtration system through superior water quality who used aqua finance as their finance company and we finance through that company. We were making payments to the company and a year later we started having problems with our water filtration system so we attempted to reach out because we were supposed to have a 10 year warranty and found out that the company went out of business right after they sold us our system. So we were informed there was another company that was honoring the warranty. After reaching out to that company, we were informed that yes they were the new warranty company, but they dont do repairs. They will only sell us parts to fix our system, not provide parts for free under the warranty or anything like that we would have to pay for them. So we ended up having to hire another company to come out and fix our system and found out that we were sold the wrong resin filter system for our home. After having the repairs completed, we reached out to aqua finance to notify them of the situation and see if there was any options for us since this company that they financed left us high and dry with no warranty with the system that was messed up that we ended up having to spit more money out to fix and we were told by aqua finance that essentially they knew the company was a fly-by-night company and would go out of business, but they put it in the contract that we had to pay them the amount in full still even though we were sold a system that was incorrect for our home. Since then, we have paid them on and off when we could afford to, but they have been damaging our credit continually from this, even though they operating deceptive practices using door-to-door Salesman financing a company that they knew would go out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Oak Tree Financial Inc.
State: NY

Complaint narrative:
XXXX XXXX collection_or_chargeoff ; negative_reporting ; past_due_reported XXXX XXXX XXXX Collection/Chargeoff {$4000.00} {$4000.00} XX/XX/XXXX XX/XX/XXXX Charged off account XXXX the company has failed to reasonably investigate, failed to correct inaccurate information, failed to delete information that can not be verified, failed to maintain maximum possible accuracy, and/or failed to properly handle my address dispute. I am asking the CFPB to require the company to conduct a reasonable investigation, review all documents I provided, delete or correct inaccurate/unverifiable items, update my current address, suppress obsolete or identity-theft-related information where applicable, and send me written results with an updated report.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

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

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I discovered a Capital One credit card account on my credit report that I do not recognize and do not recall applying for. The account is reported as having been opened on or about XX/XX/XXXX, with a credit limit of approximately {$300.00}. The account currently reflects a balance of approximately {$460.00}, multiple late payments, and a charged-off status. On or about XX/XX/XXXX, I disputed this account with XXXX because I believed the account information may be inaccurate or the result of identity theft. After the investigation, XXXX informed me that Capital One had verified the account as belonging to me and my dispute was not resolved in my favor. I continue to dispute responsibility for this account and do not believe I have been provided with sufficient documentation showing how Capital One determined that I personally opened or authorized the account. To date, I have not received copies of the original application, signature, identification documents, or other records supporting that determination. I am requesting that Capital One provide all documentation used to verify ownership of this account, including the original application, method of application, addresses, phone numbers, email addresses, signatures, and identification records associated with the account. Because this account is negatively affecting my credit report and credit score, I am seeking a thorough review of this matter. If Capital One can not provide documentation demonstrating that I opened and authorized this account, I request that the reporting be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am disputing a debt that Portfolio Recovery Associates , LLC claims to have acquired from XXXX XXXX. The account appears to have originated as a business credit card account associated with a business entity rather than a personal consumer account. Portfolio Recovery Associates has filed a lawsuit against me in XXXX XXXX, XXXX seeking to collect approximately {$2500.00}. The lawsuit was filed as an " Account Stated '' claim. The records attached to the complaint identify the account as a business credit card account and identify the business entity associated with the account. However, I have not been provided with a signed application, signed personal guaranty, signed agreement, or other competent documentation establishing that I am personally liable for the alleged business debt. The records attached to the complaint identify XXXX addresses associated with the account. Despite this, the lawsuit was filed in XXXX. I am also disputing the manner in which service was attempted because the documents were delivered to a third party at a Florida address that is not my residence. Prior to and during this dispute, I requested documentation supporting the debt, ownership of the account, and my alleged personal liability. To date, Portfolio Recovery Associates has not provided a signed personal guaranty, complete account opening records, or other documentation establishing individual liability. Instead, the company appears to rely primarily on account summaries, electronic records, and debt-sale documents. I am concerned that Portfolio Recovery Associates is reporting and attempting to collect this account without sufficient documentation establishing personal liability and without conducting a reasonable investigation into the disputed information. I am requesting that the company produce the documents supporting its claims, investigate the disputed information, correct or delete any inaccurate reporting, and cease collection activity that can not be supported by competent documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I was the victim of a jury summons scam. A person called me impersonating a police officer saying I have federal charges against me and needed to post bond. They sent me to a bondsman and I paid them {$2000.00} through paypal. Thankfully I made a mistake and gave them my savings account which did not have the proper funds. This was an accident as I was panicking and forgot that my savings is linked to paypal. I never use payments to people. Realized after the fact that it was indeed a scam and I do not have any warrants. I have filed an ic3 and police report with all the names involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX collection_or_chargeoff ; negative_reporting ; past_due_reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff / Collection/Chargeoff / Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off as bad debt Profit and loss write-off / Unpaid balance reported as a loss by the credit grantor./ Charged off account Amount in high credit original charge-off amount

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
I opened an account on the XXXX of XXXX then i deposited a cashiers check from XXXX XXXX for XXXX they emailed me told me check would be on hold til the XXXX of XXXX. In the meantime im chatting asking if some of the funds could be released i was told {$500.00} would and go to branch but my work schedule didnt allow me to go in then i get an email saying my account is frozen so even if i wanted to go in i couldnt cuz of my account. Then they said they couldnt verify me cuz of my number but i get text messages regarding my account then the automated service verified me with my secret code or atm pin. Then today hold was taken off my check then they flagged it the check has cleared since the XXXX i called the bank who issued the check but then today their telling me it hasnt cleared when i even got a email saying it was cleared check was deposited then taken out called fraud departmemt they cant give a good excuse to why and why cant they call bank to verify manually is it that hard for them i have not had any money all week my kids have gone without food im gon na lose my storage and they dont care im not one to try and fraud a bank thats jus stupid but they are really putting me through financial disaster i need my legit money today!!!! I have to feed my kids and not lose my storage this is ridiclous.ive emailed executive personal no response ive called the hold specialist talked with supervisor he gave me the run around ive asked to speak to his supervisor had to leave a message no call back. They cant just do this to people. Not good on business especially for a new customer!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I received a bank bonus offer of {$600.00} from Citizens Bank for opening both a checking and savings account in XXXX. I opened the accounts in XX/XX/year>. The instructions state that, in order to receive the bonus, I need to make deposits in either XXXX, XXXX, and XXXX, or XXXX, XXXX, and XXXX, and that the bonus would be deposited by XX/XX/XXXX. However, I have not yet received the bonus. I contacted the bank, but they declined to provide further information and only stated that it would be deposited later. I used to be able to track the progress on my mobile banking app ; however, it disappeared after the bank updated the app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a formal appeal and urgent follow-up regarding my original, pending CFPB Case Number XXXX. On XX/XX/XXXX, Bank of America internally communicated a denial of my claim for the unauthorized {$520.00} charge from XXXX XXXX, XXXX ' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX that occurred on XX/XX/XXXX. Bank of America used a boilerplate excuse, stating : 'We confirmed the charge ( s ) is a subscription or reoccurring bill that youve paid in the past. ' This reasoning directly violates Regulation E and the Electronic Fund Transfer Act. While I had a subscription with the merchant in the past, I EXPLICITLY revoked my consent and terminated that agreement effective XX/XX/XXXX. I implore Bank of America to view the evidence provided. XXXX XXXX XXXX confirmed IN WRITING that my subscription/membership was TERMINATED on XX/XX/XXXX, TWO FULL MONTHS before the fraudulent {$520.00} charge on XX/XX/XXXX. Under Regulation E, once a consumer revokes authorization for recurring billing, any subsequent charge processed by a merchant using stored data constitutes an unauthorized electronic fund transfer. A historical relationship does not grant a merchant a lifetime license to pull funds after consent is legally withdrawn. Furthermore, the original merchant went bankrupt, and a separate corporate entity ( XXXX XXXX ) illegally accessed my archived data to run this charge. I have no contract with XXXX XXXX Bank of America has failed to conduct a reasonable investigation by ignoring my physical proof of cancellation, which I am attaching to this complaint again. I have also reported this corporate identity theft to the FTC and the XXXX XXXX Police Department. I request an immediate escalation to a high-level executive review specialist.

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
On XX/XX/year>, a fraudulent check for {$890.00} ( check no. XXXX ) was passed at a XXXX XXXX XXXX store in the name " XXXX XXXX XXXX, '' using my property 's name and my home address. I did not write, sign, or authorize this check. I have no account at the bank named on the check, and I confirmed directly with that bank that the account printed on it does not exist and is not associated with me. My address was used without my knowledge or consent. The check was returned unpaid and referred to XXXX XXXX XXXX XXXX for collection. They mailed me a collection notice claiming {$920.00}, including a returned-check fee. I do not owe this debt. This is an active criminal matter. The merchant filed charges and an XXXX with the XXXX XXXX XXXX XXXX Police Department ( XXXX XXXX, XXXX ) is investigating. I am also filing an identity theft report with the FTC. On XXXX, I am sending a written dispute to the collector by certified mail, return receipt requested, stating the debt is fraudulent and not mine, and requesting that collection cease and that they provide verification.

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In XX/XX/year>, I was the victim of a bank impersonation scam involving my debit card and checking account. I received phone calls from individuals posing as representatives of my financial institution who falsely claimed my account was compromised and required immediate action to protect my funds. Because the callers appeared legitimate and created urgency, I believed I was working directly with my bank and acted in good faith under their instructions. At no time did I knowingly authorize or intend to approve any fraudulent transactions. A total of {$1200.00} was withdrawn from my account as a result of this incident. My debit card remained in my possession at all times, and I did not provide access to my account to any authorized person. I did not receive any goods or services and did not benefit from the transaction. During the timeframe of these events, I went to a branch location and confirmed with bank staff that the calls were not legitimate and that no investigation existed on my account. I immediately reported the fraud through official channels. I filed a fraud claim and later submitted an appeal, both of which were denied without a clear explanation of how the transaction was determined to be authorized. I also filed an FTC Identity Theft Report documenting this incident. I am requesting a full review of this matter under Regulation E protections for unauthorized electronic fund transfers, as this transaction resulted from deception and impersonation rather than informed authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
When I was cancelling my card, the rep told me that cancelling the card would not affect my points balance nor would it affect the redemption of those points. Upon cancelling, they forfeited my pending points ( XXXX ) and only allowed me to redeem my existing points via gift card - not statement credit. I was given the wrong advice that benefited the company, which I beleive was done intentionally. I requested a review of the call- and they reviewed it and confirmed they gave the wrong advice. They still told me i forfeited the points and did nothing for me. If I was given the right advice, I would have acted differently - redeemed my points before cancelling. Now they are lost. This isn't fair and I want some kind of outcome.

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: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a Capital One cardholder for over XXXX years and am writing to formally request a meaningful credit limit increase, as I was advised to do by your customer service team. Despite my tenure with Capital One, my credit limit has remained between {$2500.00} {$3000.00} since I first opened this account increasing only {$100.00} at a time. This stands in stark contrast to my credit profile overall : I have been approved for up to {$40000.00} in credit limits with other lenders, reflecting a strong financial history that Capital One 's current limit does not reflect. I have raised this concern with customer service on multiple occasions. During my most recent interaction, I was specifically directed to submit a formal complaint so the matter could be escalated to a higher level of review. I am following that guidance now. A {$3000.00} limit is not functional for my spending needs. I am requesting a substantial limit increase commensurate with my creditworthiness and my loyalty as a long-standing customer. I would appreciate a prompt review and response.

Company response to consumer: Closed with explanation