vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They decreased my credit limit by {$1000.00} from $ XXXX {$3000.00} and said the explanation was that - The Capital One was recently past due : and it has not been pass due since XXXX this is a lie i have all statements proving nothing past due 2. Precence of a misse3d minimum pay, ment on loan : which the bil was due on a bank holiday, and i paid the bill on 2 diffient payments account and there system isnt design to creit multiple payments towards the minimum due and its system is smart enough to auto draft the remaining amount. only the minimum amount due. They dont have a smart pay system. after i previously called and the corrected the billing issue on their end and they still decreased my balnace saying it was my fault. and i have all the payment on the correct days. but it was like XXXX XXXX and the holiday push everythiing back that end up delaying processing 3. Presence of missed minimum payment on an account : which i thought was the same thing. I never missed a payment or paid it late. Its there system - A payment on this Capital One card was recently returned : which i accidentally set up a payment from the wrong bank account- it was the only time i have did this. A d I would say that only 1 out of the 4 reasons are legit., But again i posted the balance from the other account. i have proof the bill was not late and its their outdated system. NA my bill has never been late is why i want to report the company for making false statements. Because this happened the same time i reported a fraud claim but i ended up recognising the claim and cancelled the claim and they unethecally lowered my balance for fraudgelent activity, and these are all mistakes and Im constatnly being punished and they keep blocking my cards without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: CA

Complaint narrative:
There is a merchant that keeps submitting unauthorized charges to my XXXX account. I asked Venmo to provide contact information like a phone number or email address, so I could contact the merchant and find out why they kept submitting these charges. Venmo has refused to provide any information to help me contact this merchant. The merchant appears as " XXXX ''. It sounds like a fitness app... So I may have subscribed to their app service..... But since I have no way to contact them, I'm stuck. I can not keep a balance in my Venmo account for fear that this merchant will take my money thru more charges. I have replaced my Venmo debit card once already in an effort to stop future charges..... but the merchant continues to submit charges. My request is that CFPB force Venmo to provide merchant contact information just like any other money transfer platform like PayPal or a Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I disputed an account on my TransUnion credit report for accuracy and completeness. Instead of conducting a reasonable investigation as required under FCRA 15 U.S.C. 1681i, TransUnion simply marked the account as updated and added a consumer statement. This is not a proper investigation. No documentation was provided, no verification was shown, and no effort was made to validate the accuracy of the reported balance, payment history, or account status. Under FCRA 1681e ( b ), TransUnion is required to ensure maximum possible accuracy. Under 1681i, they must conduct a reasonable reinvestigation. They failed both obligations. I am requesting : Immediate deletion of the account due to failure to verify Disclosure of the method of verification Copies of all documentation used to verify the account This response appears to be a superficial update rather than a lawful reinvestigation. I request immediate corrective action. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: AES/PHEAA
State: CA

Complaint narrative:
I am filing a formal complaint regarding an alleged debt related to the XXXX XXXX, financed through XXXX and XXXX XXXX. This account has been sent to collections, and I am currently being asked to repay despite not having received or accepted any qualifying job offer through the program. Under the contract, Placement is explicitly defined as receiving or accepting a job offer. I have not received or accepted any such offer. Therefore, the contractual condition required to trigger any repayment obligation was never met. The program was marketed and structured as an XXXX XXXX XXXX ( XXXX ), where repayment is contingent upon actual income. However, I did not secure employment through the program and have no qualifying income, yet I am being treated as if I owe a fixed loan obligation. This contradicts the fundamental nature of the agreement. Additionally, the program advertised a Placement and Income Increase Guarantee, which led me to reasonably believe that any payment obligation would depend on successful employment outcomes. Enforcing repayment without placement is misleading and inconsistent with how the program was presented. The primary purpose of the program was to help secure employment. Since no such outcome was achieved, the basis for this financial obligation does not exist. I am requesting a formal review of this matter, as I believe this debt is invalid and should not be enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: NC

Complaint narrative:
I ordered an item off XXXX and used afterpay to pay it. The item did not get delivered to me ( it got delivery somewhere else even though XXXX marked it delivered ). I opened up a ticket with fedex and they could not find the package. XXXX could also not provide me photo evidence that it got delivered to the correct address ( no photo was taken by the delivery driver ) .. so theres XXXX proof. I already had made the first payment of {$20.00}. I waited a week and the package did not come to me. XXXX and XXXX still want me to pay on an item i did not receive. XXXX wont help, XXXX will not help, and neither will afterpay and its wrong. I want my {$20.00} back and to not be responsible to pay for a product that i did not actually receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Liberty Career Finance, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, GA, XXXX. I am writing to formally dispute and seek correction of erroneous information on my credit report concerning an account with XXXX, account number XXXX. This account is currently reported as charged off on my credit report, affecting my credit scores negatively across all three major credit bureaus : XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). On XX/XX/year>, I filed a dispute with XXXX regarding the incorrect details reported on my credit history. Despite this, the inaccuracies remain unaddressed, causing significant harm to my financial reputation and ability to secure credit. The account status is inaccurately reported, and this misinformation is a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure the accuracy and integrity of the information they provide. The continuation of this inaccurate reporting results in a lower credit score, impacting my ability to obtain favorable financial terms or even secure necessary credit. This has caused substantial distress and financial difficulty, as my credit reports do not reflect my true creditworthiness. I seek the complete removal of this account from my credit reports with XXXX, XXXX, and XXXX. This resolution is necessary to restore the accuracy of my credit profile and alleviate the undue harm caused by this incorrect reporting. I expect XXXX to act in compliance with federal regulations and correct this error promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX } LVNV FUNDING -- XXXX { XX/XX/year> } To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. Under law 15USC6801 and 15USC6802 requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. This is in place to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. A financial institution may not disclose nonpublic personal information to anonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I have debt with XXXX XXXX from a business that I had. My business went bankrupt when my XXXX veteran husband became very ill. I closed the business, my XXXX XXXX cards but CONTINUE to pay on them MONTHLY, DIRECTLY TO XXXX XXXX, even though they are charged off. I received this letter from a collection agency, even though I specifically told XXXX XXXX I will be paying them monthly what I can. I am now my husband 's caregiver XXXX and have no income of my own. I do not pay collection agencies. I pay the company I did business with. These company is causing my family stress and worse health issues due to harassment for a debt that I pay on to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have debt with Capital one from a business that I had. My business went bankrupt when my XXXX veteran husband became very ill. I closed the business, my Capital One cards but CONTINUE to pay on them MONTHLY, DIRECTLY TO CAPITAL ONE, even though they are charged off. I received this letter from a collection agency, even though I specifically told Capital One I will be paying them monthly what I can. I am now my husband 's XXXX 24/7 and have no income of my own. I do not pay collection agencies. I pay the company I did business with. These company is causing my family stress and worse health issues due to harassment for a debt that I pay on to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$11000.00} by a merchant identified as XXXX XXXX ( processed as XXXX XXXX Payment, a XXXX XXXX-based payment processor ). This charge resulted from a high-pressure timeshare sales presentation in XXXX in which the product was materially misrepresented. During a multi-hour sales presentation, I was repeatedly told that the purchase included a guaranteed resale/income program, where unused weeks would be resold by the company and I would receive guaranteed payments within approximately 12 months. These representations were emphasized multiple times and were the primary reason I agreed to the purchase. After the transaction, I reviewed the actual contract and discovered that it directly contradicts the sales presentation, explicitly stating that there are no guarantees of resale or income. Additionally : The supposed resale program was not handled by the seller but by a third-party company ( XXXX ) with no obligation to perform. The guaranteed payments discussed during the sales process do not exist in the written agreement. Numerous other consumers report the same misrepresentation pattern. I immediately disputed the charge with American Express under the Fair Credit Billing Act, citing fraudulent misrepresentation and inducement. Key details : Transaction date : XX/XX/year> Amount : {$11000.00} Merchant : XXXX XXXX / XXXX XXXX XXXX American Express XXXX XXXX : XXXX Despite submitting extensive documentation and reopening the dispute three separate times, American Express denied my claim each time without properly addressing the core issue of fraudulent inducement. Their responses focused only on the written contract terms, while ignoring the fact that the transaction was entered into based on false verbal representations that directly contradict the contract, which is a recognized form of fraud. Further, recent U.S. government findings have identified this same timeshare operation ( XXXX XXXX ) as part of a XXXX fraud scheme targeting U.S. consumers XXXX reinforcing that this was not a legitimate transaction. https : XXXX American Express has failed to : Conduct a reasonable investigation into the fraud claim Consider evidence of misrepresentation and deceptive sales practices Provide the consumer protections expected under the Fair Credit Billing Act As a result, I remain financially responsible for a charge that was obtained through deceptive and fraudulent means.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a charge of {$320.00} associated with XXXX ( XXXX ) and to provide a clear account of the circumstances surrounding this transaction. Prior to submitting any payment information, I engaged with XXXX through their online intake process. During this process, I was informed that my credit card details were required before my case could be submitted for physician review. Because I was not comfortable providing payment information without first understanding and approving the recommended treatment plan and dosage, I initially chose not to proceed. I subsequently received text communications from representatives of XXXX. In those communications, I was explicitly assured that I would have the opportunity to review and approve any dosage recommended by the physician before any charges were applied. Based on these representations, I provided my payment information with the understanding that no charge would be processed without my prior approval of the prescribed dosage. Contrary to those assurances, a prescription was processed, a dosage was determined without my prior consent or review, and my account was charged {$320.00} without giving me the opportunity to approve or decline the recommendation. This directly contradicts the representations made to me by XXXX representatives. I have retained screenshots of the text messages in which I was assured that I would have approval rights over the prescribed dosage prior to any billing. I consider this charge unauthorized due to the failure to honor those stated terms and the lack of informed consent. I initially brought this matter to my financial institution and provided supporting documentation. However, my dispute was not resolved in my favor. As a result, I am escalating this issue and requesting a formal review of this transaction as an unauthorized charge based on misrepresentation of the terms of service and failure to obtain proper consent. Please review this matter and advise on the next steps required to pursue a resolution and refund of the {$320.00} charge. I am prepared to provide any supporting documentation, including screenshots and communication records, upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint because XXXX refuses to refund {$500.00} stolen via an Imposter Scam on XX/XX/year>. A person calling from ( XXXX ) XXXX ( screenshot attached ) pretended to be a XXXX XXXX security department and The scammer coached me to send money to 'myself, ' but the XXXX confirmation shows the recipient was actually enrolled as XXXX. This proves that the imposter hijacked my contact information to redirect the funds to a third-party account under a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: Meta Payments Inc.
State: OH

Complaint narrative:
Hello, I am submitting a formal complaint regarding the unjust suspension of my XXXX account ( @ XXXX ), and I am seeking your assistance in addressing this matter with XXXX. Shortly after subscribing to XXXX XXXX ( blue badge ) service with XXXX XXXX my account was unexpectedly suspended. When I contacted XXXX support, I was informed that the reason for the suspension was : Using accounts that have a high proportion of activity that breaks our rules. I strongly dispute this claim, as I have not engaged in any activity that violates their policies. The timing of this suspensionimmediately following my paid subscriptionis deeply concerning and has resulted in financial loss as well as significant distress. This raises serious concerns about the fairness and accuracy of the enforcement action taken against my account. Despite multiple attempts to resolve this issue directly with XXXX, I have not received a satisfactory response or resolution. I respectfully request your assistance in reviewing this case, facilitating communication with XXXX on my behalf, and ensuring that my account is fairly investigated and reinstated if no violations are found. Thank you for your time and consideration. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, Wells Fargo illegally seized {$16000.00} of exempt California State XXXX ( XXXX ) back pay frommy ATM deposit to my personal account to pay a separate business credit card debt for an XXXX XXXX which is now closed ( Case # [ XXXX ). Under XXXX v. Wells Fargo ( XXXX ), these funds are immune from setoff. I provided proof of the exempt source on XX/XX/XXXX, but the bank is delaying my refund untilthe earliest date of XX/XX/XXXX, and then they left open that they may need more time, despite my 'Dire Need " statusand pending eviction. They told me in a recent filler call ten days is their standard turnaround. I asked what additional documents they could possibly need, and they said I had sent all that was needed. I also called them immediately whenthey held my funds in XX/XX/XXXX and explained that those were exempt XXXX funds, and the checks clearly stated so in the ATM deposit. They are from the State of California, and all 5 checks in the deposit were the same amount. They refused to listen and sent a setoff letter, but then I learned differently per above. My XXXX XXXX and having to move twice since this happened kept me from filing earlier, and now I face eviction again as they won't comply.

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