vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I currently hold 4 Capitol One credit cards. On the most important one, they are requiring me to send in a photo ID along with a SS card or W2 for verification. I paid {$10.00} at the local XXXX store to have these items faxed in. Without notification my card is restricted. I called and my photo is too dark. Went back to XXXX store and they sent again, in color this time. I called a few days later, same thing, they are unable to see the photo, it's black. They suggested doing it from my phone using a scanner. which I did and on my side, what was sent is clear. Still no communication. It has been over a week and when calling to check the status you must go through the offshore vendor which is painful. An hour minimum with them transferring to the collections department when telling them it's not a collection. They advise it's procedure. The collection department said it's incorrect and has to transfer me again. They will not allow documents to be sent through their app or to visit in person. They are advising XX/XX/XXXX my account will be closed if they can not verify my documents and this will affect my credit. By researching this issue, people normally give up and close the account, or Capitol One allows them to email the documents, which they are telling me it's not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I made a payment of XXXX USD in on period. The bank claimed I made the same amount of purchases in that month but I did not. There has been multiple times where I have made payments where the payments are not applied to my account and my balance remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: NV

Complaint narrative:
Under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting, I challenge the reportability of these unsubstantiated allegations. Federal and state laws require accurate reporting, and it is inappropriate to report unlawful claims. Please ensure the accuracy and correctness of all your claims, supported by verifiable evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I saw that my account was charged {$700.00} by Affirm.com. I also have my own account with them and I know I did not make that payment. I contacted Affirm through their support chat and they confirmed the charge was not from my account, but from someone elses. They refused to help me further and just told me to contant my bank. Affirm refused to locate the account with my bank account info and Im afraid theyll also refuse to cooperate with my bank. The person with my checking account still has my information any might keep withdrawing from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing a formal federal complaint against Synchrony Financial ( Sam 's Club Credit ) for credit reporting violations and predatory debt collection. I am a documented victim of identity exploitation and business debt conversion by third parties XXXX and XXXX XXXX, who are subject to an active {$140000.00} court judgment in XXXX XXXX ( XXXX XXXX ). The debtors forced an unauthorized {$5000.00} charge onto my account under the fraudulent guise of commercial legal fees. This balance is entirely commercial fraud under active law enforcement investigation. I demand that Synchrony Financial immediately freeze all collection activity, place a mandatory hold on this file, and completely erase this negative history from my credit reports. ''

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 2026-05-19 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: FL

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) for failing to properly investigate a debit card dispute. Transaction Details : Amount : {$150.00} Merchant Descriptor : XXXX XXXX XXXX Date : XX/XX/year> Timeline : Dispute filed : XX/XX/year> Initial denial : XX/XX/year> Appeal filed : XX/XX/year> Appeal denied the same day : XX/XX/year> This charge was clearly misrepresented. It appeared on my statement as XXXX XXXX XXXX with a U.S. location, but the actual company ( XXXX ) is based overseas in XXXX ( see attached screenshots of the companys contact page showing XXXX XXXX XXXX XXXX XXXX, XXXX vs. the U.S. location shown on my Cash App statement ). I did not purchase any books or goods from this company. The charge was actually for virtual credits/coins on an online entertainment platform. I contacted the merchant, explained my confusion about the purchase, and requested a refund. They refused, and my account was later locked, preventing me from accessing or using the purchased services. Cash App denied both the original dispute and my appeal on the same day the appeal was filed. This does not reflect a thorough investigation as required under Regulation E. For strong supporting evidence, I have already received full refunds for identical transactions with similar merchants on my XXXX debit card. Requested Resolution : Full refund of the {$150.00} Confirmation of a proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint against Capital One for engaging in deceptive and unfair business practices related to a credit card promotional offer. Capital One advertised a {$1000.00} welcome bonus for its XXXX 2 % Cash business credit card after spending {$10000.00} within the first 3 months of account opening. I fully satisfied the promotional requirements by spending approximately {$10000.00} between XX/XX/XXXX and XX/XX/year>. All transactions were legitimate purchases, and the account balance was paid as agreed. After I completed the required spending, Capital One closed my account and refused to honor the promised {$1000.00} promotional bonus. To date, Capital One has failed to fulfill its promotion terms of giving me {$1000.00}. This conduct appears misleading and potentially deceptive because Capital One accepted and benefited from the qualifying spend required under the promotion, yet denied the promised incentive after the requirements were met. If a financial institution intends to deny earned promotional rewards despite full compliance with advertised terms, consumers should be clearly informed in advance and provided with a legitimate contractual basis for such denial. I am requesting that Capital One immediately : * Honor the {$1000.00} promotional bonus ; If Capital One refuses to resolve this matter, I intend to pursue all available remedies, including : * Additional regulatory complaints; * Arbitration or legal action if permitted under the account agreement; * Claims relating to deceptive promotional practices and breach of the implied covenant of good faith and fair dealing. I have retained records documenting the promotional offer, qualifying spend, payment history, and account activity, and I am attaching as supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd

Complaint narrative:
PARTIES INVOLVED : Wise US Inc. ( XXXX ID : XXXX ) & Partner Bank : XXXX XXXX XXXX XXXX CHRONOLOGY OF EVENTS : Initial Compliance Hold : A commercial transaction under Transfer # XXXX for the amount of {$770.00} USD was received by my Montana business entity. Wise US Inc. placed a temporary compliance hold on these business funds pending a standard identity and corporate verification process. Proactive Fraud Warning by Consumer : While the verification was being processed, I discovered that the sender 's account environment had been permanently closed/deactivated. Recognizing the high operational risk of the funds being lost in a technical vacuum, I proactively opened two separate urgent customer support tickets with Wise, explicitly instructing and warning them NOT to reverse or bounce the transfer, as the sending account was non-existent and the funds would become trapped. Negligence & Forced Reversal : Wise completely ignored my active support tickets and structural warnings. On XX/XX/year>, Wise 's automated system executed a forced " refund '' of the {$770.00} USD. The funds were pushed back into the closed, non-existent third-party account balance, effectively trapping my legitimate business revenue in an internal financial vacuum between Wise and XXXX XXXX XXXX XXXX . Contradictory and Evasive Corporate Responses : > - XXXX XX/XX/year>, Wise 's Corporate Complaints Officer ( XXXX ) sent a " Final Response '' under Case ID XXXX, formally confirming that my corporate identity verification was successful and active, and admitting to " poor customer support '' by offering a minor goodwill gesture. However, they flatly refused to manually recall the trapped {$770.00} USD transfer, hiding behind generic " sender privacy '' claims. On XX/XX/year>, another representative ( XXXX ) from the escalations team under Ticket # XXXX explicitly contradicted the Complaints Officer, stating that the compliance team was " still investigating '' the identity verification. Regulatory Evasion : Wise is utilizing conflicting statements regarding verification status to intentionally delay, obstruct, and avoid executing a manual account credit or transaction recall for a verified US business entity, despite admitting to their own back-end customer service failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
SUPPLEMENTAL EVIDENCE TO CLOSED COMPLAINT # XXXX Capital One officially closed my previous complaint with a generic deflection to the dealership, attaching an XX/XX/XXXX Vehicle Service Contract for an unwound XXXX XXXX XXXX This attachment proved they possess the original deal 's records but are willfully ignoring the {$4000.00} misappropriated down payment from that XXXX deal. However, on XX/XX/XXXX, XXXX after the CFPB closed the fileCapital One contacted me via a private XXXX email link attempting to move the submission of new evidence off the official regulatory record. I am declining to use their private portal. I am opening this supplemental complaint to upload the requested evidence directly to the CFPB to ensure full federal transparency. Attached is the undeniable proof of the stolen equity and contract forgery : the two conflicting Buyer 's Orders ( proving a fabricated {$190.00} tax ), the {$4000.00} XXXX receipt, the {$22000.00} web listing ( proving the {$5000.00} vehicle markup ), and the active Capital One statement. Under the FTC Holder Rule, Capital One is liable for this fraudulent contract. I demand an immediate reconciliation of the stolen {$4000.00} and the fraudulently inflated {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I have reached out to ally financial multiple times since regaining possession of my vehicle regarding my reinstatement letter which was never sent to me. Ive reached out XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request the letter be sent to me. Ive had them verify my address every time and I get the same answer of we will reach out to the repossession department and request a new letter is sent. I have yet to receive any letter and have been making payments on a car I dont technically own.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 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 RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 2026-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2026-05-19 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 expect a thorough investigation into these matters, full compliance with federal law, and prompt removal of all inaccurate information from my credit file. Failure to correct these issues is continuing to cause financial harm and is preventing me from moving forward with a major life decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am trying and have been attempting to work with fraud debts. Of Citibank and XXXX XXXX. I have had no luck on phone and walking into multiple branches showing proof of identity. These charges stem from year 2021 to present. My social security number was stolen and they have also filed taxes under me and filled out power of attorney forms I never filled out. Someone is walking around as me with ID and social security card calling into banks making themselves without my authorization as signers onto all my accounts and then opening more accounts under my name and social security number. They successfully opened up credit cards under my social security card. I can not get any help from anyone.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
My business PayPal account for my US entity ( XXXX XXXX XXXX ) was permanently deactivated unjustly and without proper review on XX/XX/year>. The stated reason in the email was " information used to create this account that we can not verify, '' which is completely factually incorrect. I am a legal non-resident business owner. I have provided 100 % legitimate, government-issued documents, including the State Certificate of Organization for the LLC , official IRS XXXX for my EIN, official ITIN notice from the IRS, and corporate bank statements from XXXX matching the exact business address. I also provided clear proof of digital fulfillment for my recent {$50.00} USD transaction involving a domain asset transfer. Before the deactivation, I contacted customer service via chat, and the agent explicitly confirmed that all required information was successfully submitted and valid. Yet, the back-office team immediately issued a permanent ban without giving me any chance to clarify or properly reviewing my government documents. Banning a fully legal digital SaaS and domain business despite providing every requested legal US document is a severe error on the system 's part. I demand a manual review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CU Alliance, LLC
State: TX

Complaint narrative:
I am facing a fraudulent and wrongful foreclosure scheduled for XX/XX/year>, on my home at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Loan XXXX XXXXXXXX ). A credit union representative, XXXX XXXX, explicitly and repeatedly assured my wife and me that we had up until the XX/XX/year> sale date to pay our past-due balance to stop the foreclosure. Relying completely on her instructions, we called on Friday, XX/XX/year>, ready to tender the full reinstatement funds. XXXX XXXXXXXX XXXX XXXXXXXX and the XXXX XXXX breached this verbal agreement, refused to accept our money, refused to provide an updated breakdown, and told us we were barred from paying. Their outside law firm, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX XXXX ), is actively withholding the updated reinstatement figures to run down the clock. This is bad-faith collection, a violation of the Texas Debt Collection Act, and a breach of contract. I demand an immediate 30-day postponement of the XX/XX/XXXX sale so the lender can accept my funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Freeway Funding, Inc.
State: CA

Complaint narrative:
This car loan has been closed for years. Last payment I officially did was in XX/XX/year>. Car loan has been charged off as bad debt. Please close this account and removed off my credit report Charges added every month. Freeway funding XXXX XXXX XXXX XXXXXXXX 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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
Listen I try to someone something and that not the person I just want my money back .. I dont know the person who it went to .. so why i have loose any money

Company response to consumer: Closed with explanation