vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened two cards with Capital one, The platinum card in XXXX of XXXX, and the Quicksilver in XXXX of XXXX. I was told that my accounts were both closed to due returned payments which did occur, but not on purpose. The returned payments did happen, but every time I made the payment after the returned, it went through. I explained to Capital One that I recently got married and that I was changing accounts and adding my wife, not sure if that may have been a reason, but I always had sufficient enough funds, and not sure why this all happened. I called them and asked to review their decision but they transferred to the fraud department who reviewed it and said that they could not reopen my accounts. I find it unfair for them to close it since it was not intentional, and second chances could always be given, especially because I always made on-time payments and never missed a payment. These returned payments were done in addition to my monthly on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
This is my first time filing a CFPB complaint regarding this collection account, and I am doing so because Bull City / original creditor XXXX XXXX failed to take corrective action despite clear evidence of identity theft. The collection account reported as Bull City / original creditor XXXX XXXX, with a balance of {$620.00}, is being reported on credit file without my authorization or consent. I have already submitted a dispute regarding this account, yet it continues to report inaccurately and without proper verification. 

I am a victim of identity theft and have already filed an FTC Identity Theft Report, which clearly identifies this account as unauthorized the continued reporting of this collection shows a failure to ensure maximum possible accuracy and a failure to properly investigate disputed information. Allowing this account to remain on my credit is unacceptable! 

I am asking the CFPB to intervene and take action. Must be required to comply with the law, conduct a proper investigation, and permanently delete this unauthorized collection account from my credit file. I am filing this complaint because my direct disputes have been ignored, and regulatory oversight is now necessary to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions handling and denial of my fraud claim involving unauthorized card transactions. Navy Federal denied my claim based on incorrect and unsupported factual findings. The written denial states that I benefited financially from the disputed transactions. This statement is false. I did not receive any goods, services, funds, credits, or other financial benefit from the unauthorized activity. No evidence supporting this conclusion was provided. Additionally, Navy Federals claim record falsely states that I fell for a scam. This is untrue. I never reported falling for a scam, never described a scam scenario, and no such event occurred. This statement was not made by me and was incorrectly inserted into my claim file. Not all disputed transactions I reported were included in the investigation. This internal omission materially affected the outcome. On XX/XX/year>, I spoke with XXXX Navy Federal representatives who stated that Navy Federal does not cover unauthorized transactions from this specific merchant. This alleged merchant exclusion was never disclosed in the written denial and directly contradicts the stated denial reasons. These actions demonstrate a failure to conduct a reasonable investigation as required under Regulation E ( 12 CFR 1005 ).

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 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zip Co US Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding an incorrect billing and internal accounting error by Zip related to a cancelled merchant transaction. 

Zip Order # XXXX On or about XX/XX/year>, I attempted to place an order with XXXX using Zip Pay. XXXX cancelled the order and confirmed in writing that the order was never processed, and no charge was ever made. I have screenshots from XXXX clearly stating that I was not charged. 

No funds were ever withdrawn from my bank account for this transaction. Zip has also provided written confirmation via email that the order was not processed. 

Despite this, Zip is internally claiming that a balance of approximately {$70.00} exists and has refused to void the payment plan. Zip representatives have been unable or unwilling to provide any transaction ID, bank debit, or proof showing that funds were ever captured. 

This appears to be an internal ledger or reconciliation error, and Zip is attempting to collect on a non-existent charge. 

I am requesting that Zip fully void this transaction, correct my account to reflect a XXXX balance, and provide written confirmation that no funds are owed or will be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: T2 Financial LLC
State: NC

Complaint narrative:
I investigaged a rent to own type product through an advertisement that I saw on line. The loan officer reviewed my financials and I disclosed the issue I was I having on getting a mortgage. He indicated it would not be a problem and he issued a pre-approval letter. In addition, he advised me he would not have a problem getting me a mortgage. I proceeded to find a home, gave a deposit, paid for an inspection and appraisal. Was supposed to close on XX/XX/year>, which of course never happened, than I was strung along for about a month and still no closing date, so I out about {$3500.00} and no home. I requested a refund from the loan officer who lied to me and no such refund came.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
A settlement payment was deposited into a bank account with USAA that had been closed for approximately two years. The payment was incorrectly sent to the closed account by an insurance partners adjuster, despite my having provided the correct, active account information. 
Rather than rejecting the deposit, USAA accepted it and reopened the closed account internally for processing. 
The deposit posted on XX/XX/XXXX. However, the funds were not made available to me, and I was advised that it would take 35 business days for the remaining funds to be released. 
Had the funds been accessible on XX/XX/XXXX, I would have been able to return my rental vehicle and use the settlement funds toward a down payment on another car. Because the funds were held after posting due to USAAs actions, I was unable to return the rental as planned and have continued to incur additional rental car charges that were directly caused by this delay.

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 2026-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: VA

Complaint narrative:
A debt collection company Capio Partners has been contacting me. 

On Monday XX/XX/XXXX at XXXX EST I answered the phone call. I told them not to contact my phone and that all communication needs to be written and sent through the mail. I hung up the call. 

On Monday XX/XX/XXXX at XXXX EST they texted me about a medical debt providing the amount due, who sold them the debt and the account number. This information is for a debt that I do not owe and I am not the person they are attempting to contact. 

On Friday XX/XX/XXXX at XXXX XXXX they again called me. I again informed them to not contact my phone via calls or texts and hung up. 

I have still not received any mail about this debt from Capio Partners and they have now released information about the debt owed without confirming my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 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: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
A fraudulent charge was made on my debit card through my compromised XXXX account to purchase a computer using a buy now/pay later service called XXXX. I disputed the initial charge with my bank who deemed the resolution in my favor. The remaining charges came in at a later time so I disputed those again. The hacker had used my IP address and spoofed their location to match mine and because of this I lost the second dispute even though I had won the first one for the same item. My bank is refusing to credit back the XXXX dollars they took from my account and issued to the merchant unless I give them " proof '' that my accounts were compromised even though I had already proved this during the first dispute and won!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
ALLY FINCL is falsely reporting on my credit. I have never had any accounts with them. Per my research ALLY FINCL 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Company name : NATIONAL CREDIT ADJUSTERS , L.L.C Account number : XXXX Amount : {$1700.00} XXXX NATIONAL CREDIT ADJUSTERS , L.L.C is reporting a collection account on my credit reports for a debt that does not belong to me. I have never had an account with the alleged original creditor, nor have I agreed to any debt in this amount. 

Despite the debt being inaccurate, NATIONAL CREDIT ADJUSTERS , L.L.C has continued to report this account as a collection every month, causing ongoing harm to my credit profile. 

I formally disputed this debt and requested validation. To date, NATIONAL CREDIT ADJUSTERS , L.L.C has failed to provide competent evidence that I am legally responsible for this alleged debt, including any signed contract, application, or proof of ownership. 



By continuing to report this account without proper validation, NATIONAL CREDIT ADJUSTERS , L.L.C is : Reporting inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ) Attempting to collect and report a debt that is not owed, in violation of the Fair Debt Collection Practices Act ( FDCPA ) Failing to conduct a reasonable investigation before furnishing negative information to credit bureaus Causing ongoing financial and reputational harm through repeated collection reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
On XXXX  I called in voluntarily speaking to an agent concerning my account with XXXX XXXX. account preventing my account from going in default. The agent referred me to be placed into the XXXX  program where i will make three monthly consecutive payments, once completed my account would go back into normal status and able to re-use after the final payment was made. 1 ). I made payments ahead of each due date on the XXXX th of each month but was still charged a late FEE of {$41.00} by the system. 2 ). Also during this program my account was showing Past due on the three credit B. even when i was making payments ahead of time of my due date my payments wasn't reflecting the actual current information. I recently spoke to alive representative on XX/XX/XXXX and asked to speak to a supervisor when i was told that is normal under this program you will automatically get LATE FEES applied to your account. All during this time even on my account on the it was still showing PAST DUE and no one was imputing my actual payments manually that i made and i'm being penalized for any potential Credit -Line INCREASE isn't available to me becuase of this. I just started the program on XX/XX/XXXX and submitted the first post dated EFT to come out of my checking account. I was able to get 1 of the LATE FEES reversed and the second one should be removed as well. These practices from this particular bank is horrible and it's done intentionally against the account holder to try and get addional money legally is wrong just becuase they say for an account holder even when you are working with an institution to keep up with you good standing record. I especially feel vulnerable when this company is allowing a system to make decisions on the behalf of it's account holders. When live agents should be able to over ride a system they made or implemented.

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 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: KS

Complaint narrative:
I purchsed a XXXX XXXX XXXXXXXX in Colorado. I financed the vehicle through a bank called XXXX XXXX. I then got XXXX to XXXX and got a permission to ship letter from the bank to bring the vehicle with me. On XX/XX/XXXX I got into an accident resulting in a total loss of the vehicle. I went through insurance and filed a claim. The claim got approved and XXXX payed the loan for the vehicle. After they payed the loan I called the bank to get my Lien Release letter so I could deregister the car and drop the insurance. I have called them several times and also emailled them all the documents they requested and still have not received anything. It is now XX/XX/XXXX and I still have not recieved the Lien Release Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
On Tuesday, XX/XX/year>, my PayPal account ( XXXX ) was permanently banned without explanation. Since then, I have been unable to access my funds or use my account. I have contacted PayPal multiple times but received no clear response or guidance. I am requesting that my account be reviewed and reinstated immediately and that access to my funds be restored. I am willing to comply with any policies or requirements necessary to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC s falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NY

Complaint narrative:
Goods purchased through Klarna were never delivered. XXXX delivered the package to the wrong address, and the delivery photo does not match my residence. Klarna initially marked the issue resolved and refunded the amount paid, but later recharged the full balance after my bank reversed a temporary credit. Klarna is now demanding payment for goods never received and refuses to correct the balance or close the payment plan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, XXXX XXXX. XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmWest Funding Corp.
State: FL

Complaint narrative:
To note : My mortgage is in my former married name XXXX XXXX- my name is now XXXX XXXX. 

My mortgage servicer is Amwest Funding. In early XXXX, I proactively contacted them to explain that I was experiencing a temporary financial hardship. I was informed that I had until XX/XX/XXXX to make my payment without a credit reporting impact, though a late fee of approximately {$110.00} would apply. At that time, I believed I would be able to make the payment by XX/XX/XXXX. 

On XX/XX/XXXX, I attempted to make the payment but learned that my servicer does not allow mortgage payments by credit card. This prompted a phone call to Amwest Funding on XX/XX/XXXX. During that call, the representative asked about my hardship. I explained that I lost my job in XXXX and am now self-employed as a new business owner. This was the first time since obtaining this mortgage that I disclosed financial difficulty or requested assistance. 

The representative advised me to call back after XXXX days of delinquency and stated that no options were available at this time. No explanation was provided as to what assistance might be available at XXXX  days, nor was I offered a loss mitigation review, forbearance, or any other option to prevent further delinquency. This response caused significant concern, as I was attempting to address the issue proactively and avoid default. 

My mortgage payment increased by approximately {$700.00} due to an escrow shortage related to taxes and insurance. This increase occurred nearly XXXX years into my loan. The escrow shortage was spread over only XXXX months, significantly increasing my monthly payment. Escrow shortages can typically be spread over longer periods ( such as up to XXXX months ), but I was not offered this option nor was the impact of the escrow adjustment adequately explained to me. 

Because I have not been offered any assistance or payment restructuring despite a documented temporary hardship, I have felt pressured to consider selling my home. This is particularly distressing given that I invested over {$100000.00} into the purchase and closing of the home in XXXX of XXXX My goal is to remain in my home and avoid foreclosure, but the lack of available options communicated by my servicer has made this extremely difficult. I am reaching out to you file a complaint and request further help if possible in mitigating this situation hoping that other options may become available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I got paid on XX/XX/year> I received alert that I paid XXXX to this person which I never did I realized someone used my phone and hacked it to send money because my old phone was stolen so I had to purchase a new phone I got a police I screenshot it all the information for Chime and I sent it in numerous of times and they keep denying it saying that it wasnt unauthorized and I keep telling them I do not know this person named XXXX XXXX. I do not know I sent them all the contacts thats in my in my phone. I sent them every transaction that I made during Chime and to show them that I dont notice this person at this point I do not know what to do. I am a single mother, and I was unable to buy my kids anything from school for XXXX and because chime is not willing to give me my money back and I have provided a police report. I even win as far as reporting this to the cyber security department and chime steel is not trying to help me please. I need someone to help.

Company response to consumer: Closed with explanation