vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 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: FL

Complaint narrative:
On XX/XX/XXXX I ordered a specific auto part for a specific vehicle, XXXX XXXX XXXX hatch strut set. The item was delivered on XX/XX/XXXX and looked like the original struts that I was replacing. Upon installing the struts I discovered that the hatch door would not close due to the wider placement of the strut bracket provided. It was obvious that the part was either the incorrect part or a defective one. I notified XXXX and was provided an XXXXXXXX XXXX but not a return label. Since the part delivered was incorrect and/or defective I requested a return mailing label from XXXX. They refused and informed me that since the part was installed they won't accept the return. I contacted my credit card company, Capitol One and disputed the charge. I provided all of the email 's and photographic evidence that the part was in fact incorrect yet somehow Capitol One refuses to hold the merchant responsible. This seems completely wrong and in fact : The FTC has issued a Notice that it has determined that certain acts or practices involving the sale of merchandise which is damaged or defective or different from that ordered are unfair or deceptive, and violate the FTC Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I reviewed my credit report and I found that a fraudulent collection is still on my XXXX  report. I have disputed it with the other credit bureaus and there were taken off for fraud. This is hurting my chances of getting approved by another tenant. I need this removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: CA

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized {$300.00} transaction from my Venmo balance. This was not a debit card charge ; it was a balance transfer initiated from within my Venmo account without my knowledge or consent. 

I immediately reported the unauthorized transaction to Venmo on XX/XX/year>. I informed them that I did not authorize the transaction and that my account appears to have been accessed without permission. 

Venmo denied my claim without providing meaningful details of their investigation. They did not provide login records, device information, IP address data, or documentation supporting their conclusion that the transaction was authorized. 
This transaction qualifies as an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( Regulation E ). I am requesting that Venmo conduct a proper investigation and reimburse the {$300.00} that was taken from my account without my authorization.

I reported this promptly and have taken steps to secure my account, including changing passwords and enabling additional security measures. I am requesting compliance with federal consumer protection law and reimbursement of the unauthorized funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear CFPB, XXXX XXXX XXXX is attempting to collect a debt that is directly tied to identity theft and has been wrongly associated with my personal information. I have repeatedly requested verification from Transunion, yet they have failed to provide any credible documentation proving that this debt exists or that I am in any way responsible for it. Their inability to produce a contract, signature, or any form of legitimate evidence not only undermines the validity of the claim but also highlights the serious consequences identity theft imposes on innocent victims like me. The absence of verifiable proof should raise significant concerns regarding the legitimacy of these collection efforts and the protection of consumer rights especially given that I have never signed, authorized, or entered into any agreement with either party.

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 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I accidentally made two payments. I am now trying to get the second payment back. I started the process online on XX/XX/year>. On XX/XX/year>, I called to ask about the status of my request, and was told there was no record of my online request. So they started the clock on XX/XX/year>. 

I called again today ( XX/XX/year> ) and was told that it could take up to 2 billing cycles to have the payment returned to me. 

This does not make any sense. The credit card company must make a determination within 10 business days if I were to dispute a charge with a merchant. Why do they get 45-60 days to return a simple overpayment? There is no merchant to check with... they only need to see that 2 payments were received.

This/these payments were to pay off a balance transfer, and were both nearly $ XXXX. I only set up the second payment because Bank of America sent me an email that said my first payment bounced ( they took it too early ) and that I still owed the money. They then did a " retry '' of the first payment. I don't bounce things, so I had no idea they would try the initial payment twice. So I set up the second payment. So this was caused by their aggressive and incomplete email about the first payment. 

I have attached my statement from XX/XX/year> which shows a credit balance, and a screen shot from today that shows this is still the balance ( a credit of {$24000.00} )

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 2026-02-16 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: AL

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 2026-02-16 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am submitting this complaint regarding a consumer auto financing account currently in written dispute. 
The vehicle associated with this transaction exhibited mechanical and emissions-related defects immediately upon delivery, including recurring dashboard warnings and unresolved service issues. These conditions indicate a nonconforming vehicle at the time of sale. 
In addition, the dealers sales and financing practices resulted in additional financial harm. Most notably, I was directed by the dealer to obtain an additional third-party financing agreement ( XXXX, approximately {$700.00} ) under representations that were inconsistent with the actual purpose and effect of that obligation. 
I formally notified Credit Acceptance Corporation in writing that this account is disputed and issued a demand for monetary cure. I requested written confirmation of dispute status, a full account history/payment ledger, itemization of charges, and validation of amounts claimed owed. 
Credit Acceptance Corporation has acknowledged receipt of my correspondence but has not provided the requested documentation or a substantive written resolution. 
Further, my online account access was disabled without prior notice, preventing me from viewing my balance and payment information. This creates risk of unintended delinquency and additional harm while the account remains disputed. 
I am seeking regulatory assistance to obtain : Written confirmation of dispute status Full account history and payment ledger Itemization and validation of charges Proper investigation of the dispute Prevention of adverse credit reporting during dispute review This complaint is submitted in good faith to facilitate compliance review and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Consumer Financial Protection Bureau Complaint Packet Complainant : XXXX XXXX Complaint Summary I respectfully request regulatory review and assistance regarding a denied transaction dispute for {$12000.00} for merchandise that was never delivered and can no longer be delivered due to the merchants bankruptcy and liquidation. Background and Key Facts for the following purchase ( XXXX XXXX XXXX XXXX  ) In XX/XX/XXXX, during an XXXX XXXXXXXX ( XX/XX/XXXX XX/XX/XXXX ), I purchased a motorcycle from XXXX for approximately {$12000.00} with an expected delivery of XXXX XXXX. 

When I followed up in XXXX XXXX, XXXX announced bankruptcy and later liquidation. 

Bankruptcy proceedings confirmed customers are expected to receive approximately 2 % recovery ( XX/XX/XXXX ). 

The product will never be delivered and meaningful reimbursement from the merchant is no longer possible.

Good-Faith Dispute Efforts I immediately filed claims with both the merchant and USAA upon learning of the bankruptcy.

USAA issued a temporary credit during the investigation, demonstrating initial recognition of the dispute.

USAA later reversed the credit and denied the claim citing insufficient documentation.

I provided all available documentation, including bankruptcy notices and claim filings. No additional documentation exists due to liquidation of the merchant.

Consumer Harm The merchant retained the {$12000.00} payment.

The provisional credit was reversed and the full charge was re-applied.

I have paid {$12000.00} for goods that will never be delivered.

I have exhausted all recovery options with the merchant due to bankruptcy and liquidation.

Request for Resolution I respectfully request that USAA conduct an executive-level review and provide a goodwill reimbursement for merchandise never received, given the documented bankruptcy, liquidation, and lack of any remaining consumer recovery path. 

Timeline of Events XXXX XX/XX/XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Motorcycle purchased ( ~ {$12000.00} ) XXXX XXXX XXXX : Bankruptcy notice received XXXX Late XXXX : Claims filed with XXXX and USAA XXXX XXXX : Temporary credit issued then reversed XXXX XX/XX/XXXX : Bankruptcy liquidation confirms ~2 % recovery 7 Present : No product delivered and no refund Supporting Documentation 1 Proof of purchase and account statements 2 Bankruptcy notice and claim submission 3 USAA communications and denial 4 Independent news article confirming bankruptcy and liquidation ( 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 2026-02-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I applied for a Capitol One XXXX XXXX credit card. I submitted documentation to verify my identity. Capitol One never could verify my identity from the driver license. I submitted my identification several times but they say it could not be scanned for their process. Therefore, I would like to get the credit inquiry removed from my credit report. It shows on all three credit agencies. The date was XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: TX

Complaint narrative:
I am reporting PayPal for bad-faith dispute handling regarding a {$71.00} refund ( Case XXXX ). I purchased a service warranty that I canceled with the merchant ( XXXX XXXX on XX/XX/XXXX. 

PayPal denied my initial claim because I had mistakenly mislabeled the claim type. However, when I provided clear evidence of the merchant 's cancellation, PayPal denied the claim instead of correcting it, and then proceeded to open my appeal mislabeled again as a " Subscription/Recurring Payment '' by a paypal support agent, meaning she did not take the time to properly review my denied claim and making the mistake that it was originally denied for the first time. 

On XX/XX/XXXX, Agent XXXX ( Ticket XXXX ) refused to escalate the matter to a supervisor so I can address the issue and proceeded to give me nonsensical instructions to return the item so I can get my refund, this meant he didnt even take the time to review the claim because I did not ask for a refund for the purchased item, I just wanted the refund for the cancelled warranty which had already been " returned. '' I have screenshots and video evidence of this interactions with merchants and proof for my claim that I shared with paypal in the following folder, it is a folder on my drive that is to big for sharing as individual files. 

XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One initiated an ACH pull from my XXXX account ( i requested it through the Capital one app ). I canceled the transfer the same day and received confirmation, but the debit still posted at XXXX on XX/XX/XXXX. {$570.00} has been withdrawn from XXXX and has not been credited to Capital One or returned. I filed a claim with XXXX and they've rejected my claim and said Capital One needs to do a trace research. Capital One is refusing to initiate an ACH trace, stating the transfer was canceled so they dont have access on their end. Funds are missing from both accounts. I am requesting immediate ACH research and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-02-16 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: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 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: FinCo Services Inc DBA Current
State: KS

Complaint narrative:
I joined XXXX XXXX XXXX XX/XX/XXXX {$150.00} payment was paid from my Current account. I cancelled my XXXX XXXX account and their customer service told me no more charges would be taken from my card. Well, XX/XX/XXXX there was a {$150.00} payment taken off my card, left a XXXX balance ( approximately ). I went to dispute with XXXX XXXX  they told me their company policy was they couldn't refund after processed payments to dispute it with my bank. So, I dispute with my Current card, win the {$150.00} dispute, have screenshot of my account showing I've won and Current will not credit the {$150.00} back to my account to bring my negative balance off and put back the XXXX approximately that was in my account when this happened. I've not used the account since. They reported my account late payment to credit companies, now I'm getting emails to bring my account current or they threaten action. They owe me, then Current customer service tried telling me I didn't win the dispute because it wasn't on a certain part of my dashboard, oh no I got proof your company CURRENT said I had won my {$150.00} dispute and I want it credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Complaint Credit Collection Services Company : Credit Collection Services Issue : Fraudulent account / Identity Theft I am formally disputing the Credit Collection Services account as fraudulent. 
XXXX XXXX This account appears in my FTC Identity Theft Report ( FTC Report Number XXXX ). I did not authorize this account or any charges associated with it.

I request : Immediate deletion from my credit reports Proof of liability if the debt is claimed valid Written confirmation of deletion End of all collection communications This account is the result of identity theft.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
Yesterday ( XX/XX/year> ) I received emails that a Chime account was opened in my name- I did not open this account. One email had my address on it and said the cards were being delivered there. I called customer service today ( XX/XX/year> ) who was unhelpful and would only change the email on the account. I asked to speak to a manager and she would not let me speak to one. I have no idea who opened this account and I have no ability to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: UT

Complaint narrative:
THIS IS MY FIFTH, I REPEAT, FIFTH REPORT AND COMPLAINT WITH ULTIMATELY NO RESOLUTION WHATSOEVER. I AM MORE THAN FURIOUS WITH THIS COMPANY. I am reporting that Cash App keeps refusing to escalate a documented extortion case involving now over {$8000.00} in COERCED, FORCED Bitcoin transactions. I did not want to voluntarily authorize these payments whatsoever! The suspect has threatened me, and I submitted screenshots and full evidence. I am struggling to pay basic bills, payback on Cash App features such as XXXX and the Borrow feature, and loans I had to take out for financial aid to even get XXXX presents for family and loved ones recently. Cash App Support agents and managers refuse to escalate my case to Compliance or Legal, They even told me to go to a SEPARATE entity for a Goodwill credit request, despite this involving unauthorized/coerced transactions, which their policies say may qualify for investigation. I have already filed several IC3 reports and will be going again to XXXX XXXX Police Department to get the full extent able to fulfill my request. Cash App REFUSES to provide the standard remedy of a goodwill credit for irreversible cryptocurrency transactions, they keep assuming the same thing of me wanting them to undo the bitcoin transactions, NO, that is not at all what I seek, I SEEK GOODWILL CREDIT for compensation and the financial hardship this has put me through. I am demanding that Cash Apps Compliance, Legal, Bitcoin, and Executive Response Teams to review this case yet AGAIN and provide the compensation needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have a credit card issued through Fidelity ( serviced by XXXX XXXX XXXX ) and had automatic payments set up from my Fidelity brokerage account to pay the statement balance each month. 

In XX/XX/year>, my Fidelity account was temporarily locked due to a suspected fraud alert. As a result, the scheduled autopay attempt was rejected. I was not notified that the payment failed due to insufficient funds ; rather, the funds were unavailable because of the fraud lock. As soon as the account restriction was resolved and I became aware of the issue, I immediately paid the credit card balance in full. I have many years of perfect payment history and have consistently paid my balances on time. This was a one-time event caused by a temporary fraud-related account restriction, not a failure or unwillingness to pay.

Despite this, a 30-day late payment has been reported to the credit bureaus, significantly impacting

my credit score. I respectfully request a one-time goodwill adjustment to remove the late payment reporting, as the delinquency resulted from a fraud prevention lock outside of my control and was promptly resolved.

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