vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 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: MI

Complaint narrative:
I contacted the bank that issued my Capital One Kohls XXXX Credit Card on XX/XX/year>, regarding a refund issue involving a Walmart purchase.

I placed a single order with Walmart that included several items. Two pairs of shoes were never received. I contacted Walmart to request a reshipment and was informed that reshipment was not possible. I was then asked whether I wanted a refund issued as store credit or returned to my original method of payment. I clearly requested that the refund be issued back to my credit card.

Despite this request, the Walmart representative processed the refund incorrectly and issued an online store credit in the amount of {$84.00} instead of returning the funds to my credit card. 

When I contacted Capital One to dispute this issue and request assistance in recovering the funds, the representative refused to help, stating that she could not locate the transaction, even though it is clearly visible in my Walmart order history. I offered to provide documentation and order details, which were declined. I also requested to speak with a supervisor and was refused.

I explained that Walmart had already acknowledged the missing items, that reshipment was denied, and that the incorrect form of refund was issued due to the merchants error. I further explained that the order may have been split into multiple transactions. Despite this, Capital One refused to investigate or assist in resolving the matter. 

As a result, I am being forced to absorb a financial loss of {$84.00} due to a merchant error and the banks refusal to provide dispute assistance or conduct an investigation. 

I am requesting that Capital One be required to properly investigate this matter and assist in recovering the funds that should have been refunded to my original method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I typically open the account but my funds did not receive back by me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Selene Holdings LLC
State: LA

Complaint narrative:
I've sent certified letters telling them to only correspond by mail, they verified they received the letter, but they still call and send strange people to my property coming to my door taking pics, in which I have them on camera. I've sent certified letters and they still come on my property. They've violated the Truth & Lending Act 15 USC 1641 F2, 15 USC 1692cc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Violations of THE FDCPA & FCRA To Whom It May Concern, I am submitting this letter in support of my complaint filed with the Consumer Financial Protection Bureau regarding inaccurate and improper debt collection and credit reporting by the above-referenced company. 

I dispute the validity, accuracy, and reporting of the alleged debt currently appearing on my consumer credit reports. The debt collector has failed to provide proper validation of the debt upon request and continues to report this account to consumer reporting agencies despite the dispute. 

I believe this conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to the requirement to accurately report information and to cease collection and reporting activity when a debt is disputed and unverified. 

As a result of these actions, inaccurate and misleading information remains on my credit reports, causing harm to my creditworthiness and financial standing. 

I respectfully request that the Consumer Financial Protection Bureau review this matter and require the debt collector to either : Provide competent and complete validation of the alleged debt, OR Remove and delete all reporting of this account from consumer reporting agencies if validation can not be produced. 

I certify that the information provided is true and accurate to the best of my knowledge. I am prepared to provide supporting documentation upon request. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
Exact message. I can send original voice mail if needed. 

Hi XXXX XXXX XXXX. Hi, this is Detective XXXX for XXXX XXXX and XXXX XXXX regarding your unpaid balance for your XXXX vehicle. Um, we need to give XXXX a call immediately today at XXXX. I'm sorry, XXXX our charges are gon na get out again to you or you need to return the vehicle immediately. Thank you. 

Same collector also called my father in law that XXXX estranged from and told him the reason for the call, that they were looking to contact me regarding the past due balance on the XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: FL

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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX XXXX regarding repeated and improper withdrawals of tax-related funds from my account, despite my status as a United States XXXX who is 100 % XXXX and fully property-tax exempt. I was tax-exempt at the time of purchase, and XXXX was aware or should have been aware of this exemption. 
XXXX XXXX XXXX withdrew the following amounts from my account for property taxes that were not owed : XX/XX/year> {$1500.00} XX/XX/year> {$2100.00} XX/XX/year> {$2100.00} XX/XX/year> {$2100.00} XX/XX/year> {$2900.00} XX/XX/year> {$2500.00} XX/XX/year> {$1700.00} XX/XX/year> {$2000.00} XX/XX/year> {$1800.00} These withdrawals total tens of thousands of dollars for taxes that I do not owe. Any refunded tax payments were returned to XXXX and not to me, and I have not received reimbursement for these improper withdrawals. 
Despite my attempts to resolve this matter directly with XXXX XXXX XXXX, the issue remains unresolved. Their actions have caused significant financial hardship and distress. 
Additional Concern : Pressure to Sign Another Modification In addition to these improper withdrawals, XXXX XXXX XXXX has recently been pressuring me to sign another loan modification agreement. I believe it is inappropriate and unfair for XXXX to request or pressure me into signing new modification terms while they have not corrected their escrow errors or refunded the tax funds that were improperly taken from my account. 
I am concerned that XXXX XXXX be attempting to use a modification agreement to shift responsibility or delay repayment of the funds owed to me. 
I respectfully request that the CFPB require XXXX XXXX XXXX to : XXXX. Refund all improperly withdrawn tax funds in full XXXX. Provide a complete accounting of all escrow and tax transactions XXXX. Correct my loan and escrow records to reflect my tax-exempt status XXXX. Cease pressuring me into signing further loan modifications until this matter is fully resolvedSupporting documentation is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: KS

Complaint narrative:
XX/XX/XXXX. I needed withdraw funds from my Reliacard US Bank. There was not a bank to bank/wire transfer option on the online banking site. There is not a US Bank where I reside. I called customer service and was directed that I would have to use the ATM to withdraw funds. I did not want to make multiple trips to the ATM and pay out of network fees. I opted to submit a bill pay, to myself as payee, on the bill pay platform associated with the account on XX/XX/XXXX. I was unaware that the policy of this service does not to allow XXXX pays to self as payee. I submitted a request for {$2000.00}. The request was processed and the {$2000.00} was withdrawal from my account. 

I failed to receive the bill pay at my mailing address. I did not receive any notification from Reliacard or the bill pay service that their policy was not to allow bill pays to one 's self. I had NOT cancelled the transaction. I NEVER received the funds. The funds were NEVER returned to my account. 

XX/XX/XXXX. I called customer service XX/XX/XXXX to request a duplicate check as I had not received it in the mail. I was informed that I am not allowed to submit a bill pay with myself as the payee and that they had cancelled the transaction. I stated the funds were not returned to my account. The agent pleasantly assisted me with filing a dispute, although acknowledged this form did not account for this type of dispute. 

XX/XX/XXXX. Dispute form signed and successfully faxed. 

XX/XX/XXXX : Around XX/XX/XXXX, I received a determination letter from the dispute saying the claim was denied. " The merchant provided evidence the transaction was not cancelled, therefore provided the transaction processed as requested. '' XX/XX/XXXX : I mailed a certified letter to the address on the determination letter ( as directed on the letter ) to the outcome. I did not cancel the request. Per the customer service agent, they did and did not notify me. I never received the bill pay. The funds were never returned to my account. To date, it does not appear as of XX/XX/XXXX, that the post office has been successful in delivering the certified mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I requested validation of a credit account that Navy Federal Credit Union is reporting after the credit reporting agencies stated they relied on XXXX XXXX confirmation to continue reporting the account. My request asked for basic documentation supporting the accuracy of the account, including the original application or contract, account opening records, and a complete payment history. 

As of the date of this complaint, Navy Federal Credit Union has not provided the requested documentation or any substantive validation supporting the continued reporting of the account. The information continues to appear on my credit reports without clear verification or explanation of how it was confirmed. 

I am requesting that Navy Federal Credit Union either provide complete documentation validating the account or notify the credit reporting agencies to remove the tradeline due to lack of verification.

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 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Money is being refunded 2 months in a row Payment is shown as accepted after being processed but refunded XXXX days afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/year>, I discovered that access to my account was restricted. I received no prior written warning, no phone call, and no opportunity to address any potential concerns before this action was taken. 
When I contacted the bank immediately after discovering the closure, I was told that the decision was final. The representatives refused to provide a specific reason for the closure, citing only " internal policies '' or a generic business decision. This lack of transparency is distressing and prevents me from knowing if the closure was due to an error in the bank 's automated risk algorithms or inaccurate information reported by a third party. 
This sudden closure has caused significant financial harm. My funds are currently being held, preventing me from paying necessary business expenses and personal bills. 
I am requesting the following actions to resolve this issue : A clear, written explanation of the specific reason for the closure to ensure no errors were made. 
Confirmation that this administrative closure will not be reported negatively to consumer reporting agencies ( such as XXXX  or XXXX  XXXX  XXXX ) as " fraud '' or " suspicious activity, '' as my use of these accounts has been lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: IA

Complaint narrative:
I noticed charges that were not authorized by me on XX/XX/XXXX. I started looking at my monthly statements and discovered that these charges have been going on since XX/XX/XXXX. I use the mobile app to look up my monthly statements. 
On XX/XX/XXXX I contacted the XXXX  XXXX  XXXX XXXX department and started the investigation claim. Service request or claim number is XXXX. 
I received the questionnaire of fraud letter on XX/XX/XXXX. I sent in the completed letter outlining my claims details through e-mail on XX/XX/XXXX at XXXX XXXX  from the east side library. The questionnaire fraud letter includes the following If the completed questionnaire of fraud outlining your claim details is received within XXXX business days from the date of your initial call, and the investigation is not complete, a provisional credit will be issued to your card account on the XXXX business day. 
This is why I completed and sent the letter in as soon as I possibly could do so. 
The claim amount direct express had on the letter is {$440.00}. My total was {$540.00} I'm elderly and XXXX as such I receive Social security XXXX benefits through direct express. My family and I are always struggling financially I and really believed I would receive that provisional credit on my account. 
I've been trying to reach direct express fraud services department for a week. I've been put on hold an hour to hour and a half each day. I finally waited almost XXXX hours today and was told my claim was denied because of charges that went back to XX/XX/XXXX The charges started in XX/XX/XXXX to XX/XX/XXXX. There are no charges in XX/XX/XXXX. 
I have been struggling with my health this last year. I wasn't able to check my monthly statements as my focus was to get better for my family and myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am currently in XXXX. When I attempted to access my online banking, my account was locked for " security reasons. '' I contacted the bank to resolve this, but they informed me that the only way to unlock my account is to physically visit a branch in the United States. 

Since I am currently abroad, I can not visit a branch. The bank failed to offer any alternative remote verification methods ( such as video call or document upload ) for customers who are not physically in the US. By restricting the verification process solely to in-person visits, they are effectively preventing me from accessing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: AL

Complaint narrative:
My tax refund was sent to an account I set up through XXXX XXXX, a Credit Karma XXXX account. My refund was late but was deposited XXXX XXXX XXXX according to the XXXX. I logged on to the Credit Karma site and verified the money was in the account XX/XX/XXXX ( I did not receive notification that the refund was available or that money was in the account from Credit Karma ) Although I can see the account, I can not access it. When I try to click on the XXXX Account icon it sends me back to a " sign up now '' banner. When clicking on that, it shows a message " Sorry about that, try again later ''. This has been going on for over a week. I have reached out to Credit Karma multiple times, deleted and re-installed the app multiple times, used the desktop website multiple times. I still do not have access to my account or the funds in the account. Credit Karma emailed me today to tell me that nothing was wrong on their end and that I should use the " virtual card '' to transfer my money, which I do not have access to in the Credit Karma app or website. They have not offered any way to transfer any of the funds and have not provided any resolution in accessing the account. I did ask about just closing the account and was told that if I closed the account they would send me check after a 30 to 60 day waiting period. I need access to my money immediately and can not wait 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
repeated daily calls and voicemails on a closed account.

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 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Last year, XX/XX/XXXX, I filed a complaint with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It was resolved a month later that XXXXXXXX XXXX took off my debt of {$5100.00} and my credit history was good and clean with no bad debt. I was able to get credit with many credit cards up until this year, XX/XX/XXXX. However, as of this date, XXXX and TransUnion has placed my debt as a bad charge off of {$6800.00}. I Do Not Understand how this is a negative debt on my credit history, as it was written off last year as taken off with good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: FL

Complaint narrative:
XXXX i moved updated address they failed to up date never rec statement i notice past due on my report called them payed it of they aggred to remove and as of today still not off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A debt collector left me a voicemail containing abusive and harassing language that referenced death/self-harm directed at me. The message was emotionally distressing and intimidating. This conduct violates the Fair Debt Collection Practices Act. I have preserved the voicemail and call records. 

she clearly states where she is calling from and is aware that shes making this call before making that stamtent you want to die the laughing

Company response to consumer: Closed with non-monetary relief