vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC is reporting a collection account on my credit report for an alleged debt originally associated with XXXX XXXX XXXX  in the amount of approximately {$580.00}. 

I do not have a valid contract or agreement with LVNV Funding LLC, and they have not provided proper documentation proving their legal authority to collect or report this alleged debt. 

Under federal law, including the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, LVNV Funding LLC must provide full validation of the debt, including : A signed agreement bearing my signature Complete account history from the original creditor Proof of legal assignment or ownership of the debt Documentation demonstrating their legal authority to collect and report this account LVNV Funding LLC has reported this account without providing sufficient documentation to verify its accuracy or validity. 

Reporting unverified or inaccurate information violates federal law, including : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) failure to conduct a reasonable investigation FDCPA 809 failure to properly validate the alleged debt This inaccurate reporting is damaging my credit profile. 

I am requesting a full investigation and immediate deletion of this account if proper documentation can not be provided. 

Failure to correct or delete inaccurate reporting constitutes negligent and willful noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The scammer called me once last week claiming I owe XXXX for tolls in XXXX XXXX XXXX I've never been to New York so I hung up. Same call today from the number XXXX. They said it was a recorded line, and they were with transworld, a debt collection agency and they wouldn't tell me the car, which they had my name for, so I signed on with the account and tag they provided. Then hung up. Before logging out I saw the address the account with my name was under which was XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. The account number of transworld was XXXX. The license plate was XXXX. They had tickets from transworld on the account I could see so I can give 1 example. Ticket # XXXX on XX/XX/year> XXXX XXXX XXXX ID : XXXX. XXXX was XXXX. XXXX, XXXX XXXX : XXXX Amount : {$110.00}. Most of the tickets, if not all, were the same amount.

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: Problem adding money — 
Company: Block, Inc.
State: IA

Complaint narrative:
I made a cash deposit on XX/XX/year> at a XXXX. After waiting an hour, my deposit still hadn't shown up in my account so I contacted cash app customer service. The customer service person had me on hold for over 20 minutes and then came back and told me they had my deposit but it had to go through extra verification and should be in my account with in 24 hours. I questioned why it wasn't even showing as a pending deposit and the representative proceeded to provide unrelevant confusing information and would not give me any more details regarding the issue. I was on the chat for over an hour at which point I didn't think I was being told accurate information and wanted to speak with someone else which they denied. I asked them to close the chat, they said they would and then never did. I couldn't open a new chat and speak with anyone else because the representative wouldn't disconnect which went on for hours. In the mean time I contacted cash app through XXXX, since I couldn't use chat with out connecting to the same representative, at which time I was told cash app had never received my deposit, it wasn't in my account at all and I needed to go back to the store and get my money back. I called the store and they confirmed the deposit had failed and I went and got my money back. Through XXXX I explained what had happened through chat and provided screenshots and was told they filed a complaint on my behalf. 2 weeks later I received a response which explained that the deposit had failed and why. Nothing was mentioned about the misinformation I was provided or about the behavior of the representative and it said my complaint was resolved. I responded with screenshots and explained my complaint again. Today I received another response saying again the deposit had failed and my complaint was resolved. I again responded explaining that my complaint was not about the deposit but rather the behavior of the representative and the misinformation they intentionally provided. It has now been 3 weeks since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
I am formally disputing this account This dispute is made pursuant to my rights under the fair credit reporting act ( FCRA ), 15 U.S.C 1681

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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX, I booked a flight through Citi XXXX using my Citi XXXX credit card. On XX/XX/XXXX at approximately XXXX XXXX  ( within XXXX hours ), I cancelled the ticket through Citi XXXX under the advertised 24-hour free cancellation policy. 

The cancellation was successful. XXXX XXXX confirmed that the ticket was cancelled and that a refund of {$100.00} was issued. Citi XXXX also showed the booking as cancelled. 

When the refund did not appear, I opened a billing dispute with Citibank on XX/XX/XXXX and provided : Screenshot of the 24-hour cancellation policy Proof of cancellation Confirmation of refund from the airline Despite this documentation, Citi denied the dispute stating I did not follow policy. 
On XX/XX/XXXX, after escalating, I was transferred to Citi XXXX customer service. A representative acknowledged an internal error and confirmed a refund of {$100.00} was issued on XX/XX/XXXX. I received email confirmation stating it could take up to 30 days to reflect. 

The refund never posted. 

In XX/XX/XXXX, I contacted Citi again and spent several hours explaining the case. I was told it would reflect soon. 
On XX/XX/XXXX, I called again. I was told the dispute would be reopened and I would receive the refund. On XX/XX/XXXX, I was notified that the claim was denied due to timeframe limitations. This timeframe issue resulted from Citis internal handling delays, not from any failure on my part. I initiated cancellation within 24 hours and filed my dispute promptly on XX/XX/XXXX. 
I have now spent approximately XXXX hours over three months attempting to resolve this issue. The repeated denial, inconsistent explanations, and failure to properly investigate a confirmed refund have caused significant stress, XXXX, and disruption to my work.

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Nc Got me in a car loan tha I thought was paying the monthly towards the entirety of the loan but was actually the monthly interest was adding every month almost XXXX a month

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 — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Tuesday, XX/XX/year>, I received an e-mail stating that " replacement cards have been sent out '' for the two cards on my account. I DID NOT request any replacement cards, and the current ones expire well into the future ( XXXX ), so there was NO REASON to send out cards at all as the current ones are valid. In addition, the company SENT OUT ALREADY ACTIVATED CARDS - AS STATED IN THE E-MAIL, CREATING A SECURITY RISK. After about week of not receiving the cards, I logged in to the account online and locked the cards to prevent unauthorized use. Now, two weeks later, the cards have still not arrived, and I logged in again to order replacement cards. This is proving impossible, because the company 's website is completely disorganized and a simple thing can not go through - when I go to the " send replacement card '' option, I am presented an OLD INVALID ADDRESS despite the fact that the CORRECT ADDRESS HAS BEEN ON FILE WITH THE COMPANY FOR MORE THAN 4 YEARS and has in fact been used successfully many times. I went into the " personal details '' section and verified that the CORRECT ADDRESS IS THERE, yet, still, when a replacement card is requested, it again shows the outdated address. Screenshots of all relevant pages are enclosed. IN ADDITION, if the " contact us '' option is selected, the user is taken to some XXXX " AI digital assistant '' which DOES NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: WA

Complaint narrative:
Around XXXX or XX/XX/year>, I first contacted Exeter Finance to voluntarily surrender my vehicle because I was no longer able to afford the payments. I made multiple requests asking the company to pick up the vehicle and informed them that I wanted to return it. 

Despite my repeated efforts beginning in XXXX, the vehicle was not repossessed until XX/XX/year>. During those months, I was attempting to cooperate and voluntarily resolve the matter to prevent additional negative impact. 

The account is currently being reported in a way that does not accurately reflect that I initiated a voluntary surrender months before the repossession occurred. 

I am requesting that this account be reviewed and corrected to accurately reflect that I attempted to voluntarily surrender the vehicle beginning in XXXX or XX/XX/year>. I also request verification and a detailed explanation of any remaining balance being reported, including how the amount was calculated after the vehicle was repossessed and sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
company could provide proof of details about charge and was spoken to year ago about debt and never received anything

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: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Capital One Customer Service, I am writing to respectfully request a courtesy waiver of the late fees assessed on my account on XX/XX/XXXX and XX/XX/XXXX. 
I am an authorized user on this account and have full account management access. For the past several months, I have personally ensured that payments are made on time. Historically, the account was enrolled in XXXX, and to my knowledge, I never intentionally unenrolled from that service. 
I believe the XXXX enrollment may have been inadvertently canceled in XXXX while I was submitting a XXXX-time payment prior to the due date. During that process, the system prompted me to choose whether the payment was an additional payment or a replacement for the scheduled payment. It appears that selecting XXXX of those options may have disabled XXXX without my clear understanding that this would occur. At no point did I intend to discontinue automatic payments. 
Since then, I have continued making payments manually. On both occasions in question, I submitted the payments on the evening of the XXXX, believing they would satisfy the due date requirement. I was unaware that XXXX was no longer active and did not realize the timing would result in a late fee. 
I sincerely value my relationship with Capital One and have made every effort to keep this account in good standing. I am not seeking multiple adjustmentsonly the removal of these XXXX recent late fees. The only prior waiver I recall requesting was in XXXX, which I called in about directly. 
Given my consistent payment history and the circumstances described above, I kindly ask that you review this matter and exercise your discretion to waive the XXXX and XXXX late fees as a XXXX-time courtesy. 
Thank you for your time, understanding, and consideration. I truly appreciate your assistance and look forward to continuing a positive relationship with Capital One. 
Sincerely, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
Was sent a notice stating that as of XX/XX/year> you owed {$350.00} All Bill have been paid to XXXX XXXX XXXX up to XX/XX/year> in which we switched to XXXX XXXX. We informed XXXX XXXX XXXX that as soon as we receive the voucher from XXXX we would send that over to XXXX XXXX XXXX in the store. Clearly the company trying to collect this debt has the wrong information. 
Please notice dates in the attached Documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a promotional dental financing account through Comenity Bank. My original balance was approximately {$1300.00}. When the promotional period ended, Comenity added {$2200.00} in deferred interest, increasing my balance to over {$3500.00}. I was not clearly informed that such a large retroactive interest amount would be added. I contacted customer service and the hardship department, but they refused to provide any assistance or adjustment. I am requesting a review of this account and consideration for interest reduction or removal, as this amount is excessive and creates significant financial hardship. 
They also informed me that I can not control how my payments are applied between the XXXX XXXX  treatment accounts. I had XXXX separate XXXX  done, but they are applying all my payments to the first treatment balance and nothing toward the second one. As a result, the second balance remains unpaid and continues to accumulate charges. I was told that if the second treatment is not paid by XXXX, additional charges and interest will be added. This situation is unfair because I am actively making payments, yet I am still being penalized due to how they are allocating the funds without giving me the option to apply payments to the specific balance I choose. 
They also informed me that I can not control how my payments are applied between the XXXX XXXX  XXXX  balances. I had XXXX separate XXXX  done, but they are applying all my payments to the first treatment balance and nothing toward the second one. As a result, the second balance remains unpaid and continues to accumulate charges. I was told that if the second treatment is not paid by XXXX, additional charges and interest will be added. This is unfair because I am actively making payments, yet I am still being penalized due to how they are allocating the funds without allowing me to direct payments to a specific balance. Additionally, they claim they sent statements by email, but I never received any statements. I only became aware of the charges after creating an online account myself to access and review my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TrueAccord Corp.
State: MD

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt an abundance of stress and humiliation. Being turned away by landlords for something I believe should not be on my record. This has impacted me in so many ways and has affected my ability to provide safe and stable housing for my children. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account which we ever agreed upon, and I never signed an agreement on. A legal Contract is signed by XXXX parties and I was never a participant of such. Also they didnt follow the XXXX step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly they have violated my rights and abused my privileges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Tuesday XX/XX/XXXXXXXX XXXX XXXX around XXXX I received a text message from chase with a code to confirm a wire transfer for the amount of XXXX I immediately logged in my chase checking business account and realized there were XXXX payments and a wire transfer I did not authorize. I immediately contacted chase and reported those transactions. Chase started a claim and advised to wait ten days for the claims to be resolved. Chase sent me a letter two days later saying that they conducted an investigation and concluded that I authorized and benefited from those transactions. I strongly feel that chase did not conduct a meticulous investigation and rushed to conclusions. I did not authorize for any transaction on that day and unfortunately chase bank would not fight for my rights and I feel that as a long time client I have no value to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 — Store credit card
Issue: Fees or interest — Problem with fees
Company: Sezzle Inc.
State: GA

Complaint narrative:
I contacted Sezzle about their hidden fees. They charge me a {$6.00} failed payment fee on XXXX orders ; the payment was never attempted from my bank, so how can they charge that fee? They are not a bank. They charge a {$16.00} fee on XXXX orders if the order is XXXX days late, and this is a pay-in-XXXX bi-weekly order. My order was XXXX days late. They already charge a {$7.00} service fee on each order. They charge me a reschedule fee of {$7.00}. So many hidden fees for a total of {$110.00}. I pushed an order out due to needing an extension. I assumed my next payment would also be pushed out due to the payment extension. They charge me for both orders of {$180.00}, which is XXXX payments on the same day. No communication, and if the consumers knew about all these fees, I would not have gotten these loans. I contacted them, and XXXX with the company stated the fees are non-refundable. XXXX days is a small window for a grace period. They are not trying to give the consumer time to catch up, and very difficult to do with all the fees.

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: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I sent {$400.00} through Cash App to purchase XXXX XXXX XXXX parts from a seller on XXXX XXXX.. The seller repeatedly stated the items would be shipped and promised to provide tracking information, but no parts or tracking were ever provided. After multiple follow-ups, the seller stopped responding entirely. 

I opened a dispute with Cash App and provided screenshots of the full conversation showing the seller 's promises and failure to deliver. Cash App denied my claim and stated it was not considered a scam, despite clear documentation that I paid for goods that were never received. 

I am requesting reimbursement of the {$400.00} and a review of Cash App 's dispute handling process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
It took place this month but when I started the loan and few months back XXXX XXXX did say if I didnt pay them I will go to jail I ended up loosing the last place I lived then I had to start back fresh start again I explained this to them and told them idk when i can get back on my feet I could pay at least XXXX a month I have two dependent children that im trying to get back.on there feet as well I had to start from scratch

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