vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 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: VA

Complaint narrative:
I am filing a formal complaint against Capital One for a clear violation of XXXX XXXX XXXX XXXX regarding delayed/custom fulfillment. I paid a merchant on XX/XX/XXXX. The contractually promised delivery date for this custom order was XX/XX/XXXX. The merchant failed to deliver the items. I filed my dispute on XX/XX/XXXX, XXXXAccording to official XXXX XXXX XXXX ( Reason Code XXXX - Merchandise Not Received ), consumers have XXXX days from the expected delivery date to file a dispute, provided it does not exceed XXXX days from the transaction date. My dispute was filed exactly XXXX days after the missed delivery date, and XXXX days from the transaction date. Capital One is wrongfully using the purchase date instead of the delivery date to deny my consumer rights. I demand that Capital One manually override their system error and process this XXXX chargeback. Case Number : Card Type : Card Holder : USD Amount : XXXX Venture X XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} XXXX XX/XX/XXXX : Placed order of XXXX ( XXXX ) prototypes to be built by XXXX, XXXX XXXX XX/XX/XXXX : Original date of delivery established by XXXX, XXXX XXXX XX/XX/XXXX : Final date of delivery requested by XXXX, XXXX XXXX XX/XX/XXXX : Cancelled order with XXXX, XXXX due to failure to deliver XXXX XX/XX/XXXX : Received refund check of {$14000.00} from XXXX, XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX sent notice of insufficient funds for refund check XXXX XX/XX/XXXX : Placed dispute with Capital One XXXX ( see XXXX cases above ) XXXX XX/XX/XXXX : Capital One XXXX closed the case claiming passed XXXX day limit Capital One XXXX insisted I contact the vendor, XXXX XXXX to resolve the issue. I did that throughout the month of XXXX, but did not receive satisfaction. On XXXX XX/XX/XXXX I retained the law firm of XXXX, XXXX, XXXX XXXX in XXXX, Virginia to represent me in a civil case. After XXXX months of work, the law firm informed me that XXXX, XXXX has multiple cases pending and multiple leans on all property. After spending another {$9000.00} on legal fees, the law firm insisted my only means of regaining the {$14000.00} paid to XXXX, XXXX was to appeal to Capital One XXXX ( see letter XXXX DBL Letter ). XXXX XX/XX/XXXX : Spoke with XXXX XXXX XXXX regarding our dispute, but Capital One XXXX continues to insist we did not submit a dispute of the charge within the XXXX day limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: NJ

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX XXXX XXXX account ( I only know the last XXXX digit of this account because of automated letter. I can't login and open the account ) that was compromised due to unauthorized access ( account takeover/hacking ). While Synchrony Banks XXXX XXXX team formally investigated this matter and provided me with a letter confirming the account was opened/misused fraudulently and that my liability was cleared, the situation remains unresolved and is causing me significant distress. The issues are as follows : XXXX. Ongoing Collection Harassment : Despite the formal letter stating my responsibility is cleared, I continue to receive automated emails from XXXX Bank claiming I have an unpaid statement balance with late fees. XXXX. Account XXXX and XXXX XXXX : Due to the hacking of this account, I am currently locked out. The banks website does not recognize my Social Security XXXX, preventing me from accessing the account. I am now physically unable to log in. XXXX. Failure of Customer Service : For the past several months, I have made numerous attempts to resolve this via phone. Agents have provided conflicting information, and on my most recent attempts to contact them ( XXXX times on XX/XX/year> ), they have been unresponsive or unable to assist. XXXX Credit Bureau XXXX XXXX Despite the letters claim that the bank would notify the credit bureaus to remove this account, the account still appears on my credit report as an active, delinquent debt. I have spent months attempting to resolve this through standard channels, but I am met with a broken system where the Fraud department has cleared the debt, while the Collections/Servicing department continues to pursue a debt I do not owe, and the website remains inaccessible to me due to the account takeover.

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 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To update my ongoing complaint : Today, I escalated the issue to a Chase supervisor. After previously being promised 12, 24, and 48-hour resolution windows by different agents, the supervisor changed the story again and stated that accessing my funds could now take 'up to a week ' because they ' can not really give a timeline. ' This confirms that Chase customer support is providing conflicting information, moving the goalposts, and has no clear protocol for fixing a system-generated account lockout. They are effectively holding my funds hostage with no concrete resolution date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: CA

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 2026-05-25 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: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute of the above-referenced account and a demand for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), and the Tennessee Consumer Protection Act ( TCPA ). I previously disputed this account ; however, LVNV FUNDING LLC has failed to provide sufficient documentation to validate this alleged debt while continuing to report it on my consumer credit report. As a debt buyer, LVNV FUNDING LLC must provide competent evidence of the alleged obligation. To date, the company has failed to provide such evidence, and continued reporting of this account raises serious concerns regarding compliance with federal and state law. Specifically, the company has failed to : Provide a copy of the original signed contract or agreement bearing my signature Provide complete account statements from the original creditor Provide a valid chain of assignment proving ownership of this debt Provide documentation showing the date of first delinquency Provide a full and accurate accounting of the balance being reported Provide proof of legal authority to collect this debt Under 15 U.S.C. 1692g ( b ), you are required to cease collection activities until proper validation is provided. Additionally, under the FCRA, you are prohibited from reporting information that is not fully verified and accurate. LVNV FUNDING LLC has failed to properly validate this account and is therefore reporting unverified and potentially inaccurate information. Because of this failure, I am demanding the following : 1. Immediate deletion of this account from all consumer reporting agencies 2. Written confirmation of deletion. 3. Cessation of all collection activity related to this account Until proper validation is provided, you must : Cease all collection efforts Refrain from verifying or re-reporting this account Avoid any misleading representation regarding this alleged debt I do not consent to telephone communication. All communication must be in writing. This complaint is being documented and may be submitted to the Consumer Financial Protection Bureau, the Federal Trade Commission, and other regulatory agencies for further review if this matter is not resolved promptly. Failure to comply may constitute violations of federal and state law. I expect an immediate resolution to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
FDCPA 15 U.S.C. 1692g & 15 U.S.C. 1692c ( c ) Section 1 Purpose of This Notice This document serves as both : A formal request for debt verification under 15 U.S.C. 1692g, and A cease and desist demand under 15 U.S.C. 1692c ( c ). I dispute the alleged debt referenced by your company and request full verification. Section 2 Required Debt Verification ( FDCPA 1692g ) Please provide the following documentation : Original creditor information Full account number associated with the alleged debt Itemized breakdown of all amounts claimed ( principal, interest, fees, penalties ) Copy of the original signed contract or agreement Proof of your legal authority to collect ( chain of title, assignment, purchase records ) Date of alleged default Date of last payment Statement confirming whether the debt is within the statute of limitations Your state license number ( s ) and collection jurisdictions Until this information is provided, you must cease all collection activity, including credit reporting. Section 3 Cease and Desist Demand ( FDCPA 1692c ( c ) ) Effective immediately, you must stop all communication with me regarding this alleged debt. Under federal law, you may only contact me to : Confirm that collection efforts are being terminated, or Notify me of specific legal remedies you may lawfully pursue Any other communicationincluding calls, letters, emails, texts, or thirdparty contactwill constitute a violation of federal law. You are also instructed not to contact my employer, family, neighbors, or any third parties. Section XXXX Notice of Intent to Report Violations If you continue collection efforts without providing verification, or if you contact me in violation of this cease and desist notice, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General I will also pursue all remedies available under the FDCPA, including statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number : XXXX, XXXX, XXXX To Whom It May Concern : I am writing to dispute the above-referenced account, which appears on my credit report and/or has been referenced by your company. I do not recognize this account and believe it does not belong to me. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide full validation of this alleged debt, including : The name and address of the original creditor The original account number Documentation showing I am legally responsible for this debt Copies of any signed agreements or records connected to this account Until you provide proper validation, I request that you cease all collection activity regarding this account and remove any inaccurate information reported to the credit bureaus. If you can not provide sufficient proof that this debt belongs to me, I request that the account be deleted from your records and from all consumer reporting agencies immediately. Please communicate with me in writing only. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: VA

Complaint narrative:
Between May 21-22, 2026, my account on a third party trading platform was hacked and an unauthorized party exploited my linked Venmo account to make nearly {$3000.00} in fraudulent charges without my authorization. The transactions were made in rapid succession across multiple payments of varying amounts including {$250.00}, {$150.00}, {$100.00}, {$50.00}, {$48.00}, and {$25.00} increments all sent to the same merchant. I filed multiple dispute cases with Venmo on XX/XX/year>. The following cases were all denied with the reasoning that the transactions were consistent with my payment history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While I have used Venmo to send money to this merchant before, the volume and pattern of transactions on XXXX XXXX is entirely inconsistent with my normal payment history. The unauthorized party also simultaneously attempted fraudulent charges across PayPal, XXXX, and XXXX XXXXXXXX XXXX on the same days, confirming this was a coordinated account takeover. The hacker also contacted the merchants support team posing as me, which is documented in the merchants records. My account credentials on the third party platform were changed by the hacker to lock me out entirely during this period. XXXX denied all cases without adequately considering the volume, pattern, or the broader coordinated fraud across multiple financial accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 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: IL

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

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 2026-05-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: WA

Complaint narrative:
Federal Student loans were placed in administrative forbearance under the CARES act from XX/XX/XXXX through XX/XX/XXXX. The subsequent on-ramp period from XX/XX/XXXX to XX/XX/XXXX prohibited negative credit reporting on missed payments. During this period as well, my loans were moved from XXXX XXXX XXXX to XXXX. Once I finally figured this out months later, I tried to get into my portal which was nonexistent. I finally found out that XXXX moved my account to CRI. I am now current and up to date on my payments but have history of 8 missed payments over 6 different loans. Based on my current report most of these missed payments were during the periods in which loans were being changed hands and I did not know who the loan servicer was. XXXX through XXXX of XXXX and then again from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX is when I finally found out Central Research XXXX received the loans from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
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 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 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
Signed up for new account and did XXXX dollars of payment processing. Funds are being held against my will saying my business model is prone to chargebacks. There has been no attempted chargebacks. Ive been waiting for funds to be dispersed to my account for around one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
Some time in XXXX last year I apply for a loan. I though all the things they was having me do would get me my loan but all they did was mess up my bank account which lead to this debt. At first I aint really pay no mind but I started to see my bank statement and they was telling me about provisional credit reverse. The loan company I tried to get a loan from would go in my account and do all these provisional credit which lead to my account being temporarily available few times. They was having me put the money they did the provisional credit on and making me go get a gift card to send to them. Turn out they was using me and when I ask will I get the loan or if there a way yall can fix my account since yall got it in the negative. They never responded me and I was stuck with a XXXX balance. I contacted U.S bank about it but they completely ignore what I was trying to tell them what happen to my account due to them. I sent pictures and all to help support my claim. Is there a way that I dont have to pay this, Im already struggling how it is

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 2026-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I am writing to formally dispute the validity of the collection account you are reporting. I am not aware of this alleged debt and have not received proper validation. When a debt is transferred from the original creditor, the new owner must demonstrate they are the rightful party with the legal right to enforce and collect on the account. Any documentation you may provide from the original creditor does not establish your agencys authority to collect or enforce this debt. Account Name : LVNVFUNDG, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX There is no agreement between myself and your agency regarding the amount owed, and you are required to prove that you have legally stepped into the shoes of the original creditor to enforce any implied agreement. To date, your agency has failed to provide adequate validation of the debt or proof of standing. See : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have also failed to provide any proof under the doctrine of estoppel by silence, XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX, and therefore I must presume that no such debt exists. I am requesting the immediate deletion of this account, as I have not been proven to be legally responsible for it.

Company response to consumer: Closed with non-monetary relief