vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing a complaint against Capital One regarding XXXX missing cash deposits. On XX/XX/year>, I went to a XXXXXXXX XXXX to deposit cash into my account using the Capital One barcode system through the mobile app. The cashier scanned the barcode and verified my identification. I completed XXXX separate transactions, each for {$990.00}. I provided {$1000.00} in cash for each transaction and received receipts confirming both deposits. However, despite both transactions being completed successfully at the register, the funds were never credited to my account. I returned to the XXXX location immediately, but I was informed that they are unable to reverse or correct the transactions and that I must resolve this directly with Capital One. I contacted Capital One customer service and filed a claim. However, I was told that the investigation may take up to 45 days. This delay is unreasonable given that I have valid receipts with transaction details, and the deposits should be easily traceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/year>, my XXXX account was accessed without my authorization from XXXX, CT by someone using my former recycled phone number to bypass SMS two-factor authentication. XXXX 's own security system generated a " new login detected '' alert confirming the unauthorized access, including the device, location, and phone number used. On XX/XX/XXXX and XXXX, 2026, the unauthorized actor used my compromised XXXX account to charge my PayPal Credit Card XXXX times : {$28.00} ( Transaction ID : XXXX ) and {$25.00} ( Transaction ID : XXXX ), totaling {$54.00}. I reported these as unauthorized transactions to PayPal. PayPal denied my dispute, stating the transactions were processed under a billing agreement I had previously established with XXXX, and suggested I " check with family members '' who might have access to my account. This response ignored the documented account takeover entirely. PayPal then cancelled the billing agreement implicitly acknowledging it was being misused while simultaneously upholding the denial of my fraud claim. This is directly contradictory. The appeal case ID is XXXX XXXX PayPal 's billing agreement structure is being used to deny fraud protections to account takeover victims. Even with documented evidence of unauthorized access, PayPal 's dispute process defaults to the existence of a billing agreement rather than investigating the underlying fraud.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
XXXX from Chase fraud department called my grand daughter in law several times. Harassing about fraud on my account. I was just in Chase bank in XXXX XXXX branch with XXXX to verify my identity and authorized user on my account. At no time did I give chase permission to contact someone un related to me or my account. I want reimbursed for his attitude, giving out my information to an unrelated person. His number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
Left over 300 voicemails per month since XXXX Found my new place of work and called my boss 's personal line on XX/XX/year>. I never listed this number or this place of business as my work place, as I was not working there at the time.

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 2026-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: OH

Complaint narrative:
Hey my name is XXXX XXXX and I have XXXX debts arising from medical procedures I am not aware of being reported by your company, furthermore I have insurance and no medical bill was ever sent to me discussion any overdue balance for any procedure they may have been performed I want you to send me a copy of whatever medical information you have delete these XXXX debts of of my consumer report until you can properly have the alleged original creditor XXXX XXXX XXXX XXXX verify the debts 1. Actually belong to me 2.verify they have not been paid off by my insurance which should have been your first step.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently got married and changed my driver 's license as required. I received a check from a vendor in my maiden name for {$33.00}. When I attempted to cash the check at CHASE Bank, I was told my new license was not good because it didn't match the name ( but it had the same address on the check ). I returned with my old license ( maiden name matches name and address on check ). I was then told I needed to bring the paper copy that was issued to me when I changed my license to my married name. They declined cashing my check because the license with the matching name and address had the corner cut, even though the expiration date on the old license was still valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a Capital One credit card customer with XXXX accounts ( XXXX card and Bass Pro ). On XX/XX/year>, I attempted to make a legitimate online purchase using my Bass Pro card. The transaction was blocked and flagged as possible fraud. On XX/XX/year>, I received an email requesting identity verification documents, including my drivers license and proof of residency. I promptly submitted the requested documents. I was later asked to resubmit proof of residency, which I also completed promptly. Now, they are asking that I speak to a fraud investigator to resolve my case. I received a call from the fraud investigator on Monday, XX/XX/year>, which I unfortunately missed. I was told they would call me back. As of Wednesday, XX/XX/year>, I have not received a return call or any clear update. This process has now taken XXXX weeks and is still unresolved. I have made multiple attempts to contact Capital One but have not been given a clear timeline or resolution. Not once throughout this process have I been asked if the transaction in question was legit. I have complied with everything they have asked for and they have not made an effort to promptly resolve my case. Access to my XXXX card has been restricted because of this situation.Although my XXXX card is still usable for purchases, Capital One has restricted my online/app access to my linked accounts, preventing me from viewing balances, monitoring transactions, and making normal online payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint regarding Chase Banks refusal to properly investigate and reimburse unauthorized transactions on my account. The transactions in question total {$660.00} and were made at XXXX locations in California using XXXX XXXX. I reside in Texas and was physically present in Texas at the time these transactions occurred. I did not authorize these transactions, nor did I add my card to any other device. I reported these transactions to Chase, and a claim was opened ( Claim # XXXX ). Chase initially provided a temporary credit, which was later reversed after they determined the transactions were authorized. However, Chase has failed to provide any evidence supporting this conclusion. I have repeatedly requested that Chase provide the basis for their determination, including : The device used to make the XXXX XXXX transactions The verification method used when the card was added to the digital wallet Any records showing that I authorized these transactions Chase has refused to provide this information and has instead directed me to resolve the issue with the merchant, XXXX. This is inappropriate, as I did not conduct any business with the merchant and these are clearly unauthorized transactions. Under the Electronic Fund Transfer Act ( Regulation E ), I am not liable for unauthorized transactions, and the responsibility to investigate rests with the financial institution. I am requesting that Chase : 1. Reopen and properly investigate my claim 2. Provide all documentation and evidence used to determine that the transactions were authorized 3. Reimburse the full amount of {$660.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: UT

Complaint narrative:
I was called by a gentleman saying he was trying to deliver legal documents and needed a signature.He then provided me with a phone number to call XXXX XXXX XXXX XXXX XXXX to ask about the legal documents. I called a lady answered told me that she had a debt from XXXX XXXX XXXX and u s bank and I could either pay XXXX XXXX dollars down and XXXX XXXX dollars over the next XXXX months or I could pay XXXX XXXX dollars of front and have the debt wipe clean, I told her i'm not doing anything over the phone, go ahead and file.And I would have to fight it in court, I guess

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 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
Statewide is furnishing a rent-related collection account using an inaccurate delinquency timeline, which is causing the account to remain on my credit report until XXXX/XXXX. I am not disputing that there was a real debt. This tradeline is tied to the same underlying matter as a Housing Court judgment for {$22000.00} entered on XX/XX/XXXX. The credit reporting itself reflects that connection because the tradeline lists XXXX XXXX XXXX XXXX LLC as the original creditor and {$22000.00} as the original amount. The underlying delinquency existed well before Statewides later collection placement date. The attached XXXX landlord/legal department emails show that by XX/XX/XXXX the account already had {$7100.00} in arrears, and by XX/XX/XXXX the landlords legal department XXXX XXXX proceedings would continue if payments were missed. The attached ledger further shows that on XX/XX/XXXX a {$14000.00} charge forward was carried on the account, followed by continuing monthly rent charges. Although later payments, including ERAP/HRA payments , reduced the balance at times, the account was not brought current. Despite that earlier and continuous delinquency history, XXXX XX/XX/XXXX investigation results show this Statewide tradeline as placed for collection on XX/XX/XXXX and scheduled to remain until XXXX/XXXX. My complaint is that Statewide is furnishing a later delinquency/removal timeline for a tradeline that is tied to the same uncured XXXX debt history. Because the debt was not brought current, it is inaccurate and misleading to use a later collection placement date as the basis for a XXXX drop-off period.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
I paid the full balance in XX/XX/year> and closed the card. I checked on .I credit report and they were still showing me a balance. I called them, they said it's maintenance fees. I said how is this maintenance fees when I paid the full balance and closed the account. The supervisor said the account wasnt closed but yes I had a XXXX balance. So they have been charging maintenance fees and Interest. I asked how is it my fault y'all didn't close the account. So this company is not closing accounts and still charging people. They refused to close my account again until I paid XXXX dollars .. they were still going to put on my credit report and still charge me till it was paid. I went round and round how I was held responsible for maintenance fees and Interest on something that had a XXXX balance and was closed. They didn't care .. so I had to pay this XXXX dollars and close it again. So I want it removed off my credit report and I want the account closed and want my XXXX dollars back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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:
On two separate occasions, unauthorized ATM withdrawals were made from my checking account at non-Wells Fargo ATMs. On XX/XX/year>, a withdrawal of {$110.00} occurred. On XX/XX/year>, a withdrawal of {$120.00} occurred. I did not make or authorize either transaction and had possession of my debit card at all relevant times. I reported both incidents to Wells Fargo and filed disputes. The bank denied the claims stating a correct PIN was used, but did not provide supporting evidence such as ATM camera footage, detailed ATM logs, or any documentation beyond PIN entry to establish authorization. This is the second occurrence of unauthorized withdrawals, raising concerns about account security. I requested a full fraud review including ATM location, timestamp, device logs, and camera footage, but have not been provided with sufficient evidence supporting the determination of authorization. I am requesting reimbursement under Regulation E for unauthorized electronic fund transfers.

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 2026-04-29 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: American Credit Acceptance, LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding a vehicle financing agreement associated with a XXXX, currently serviced by American Credit Acceptance. I have identified significant discrepancies in my contract, including unauthorized charges and a lack of proper account servicing. After obtaining and reviewing my contract, I discovered that I was charged approximately {$4000.00} for products and/or services that were not clearly disclosed to me and were not knowingly authorized at the time of signing. These charges were not properly explained, and I did not provide informed consent. Additionally, I made a down payment of {$10000.00} toward this vehicle and have paid a substantial amount toward the balance. Based on my records, I believe I have overpaid relative to the actual agreed-upon terms of the contract. Despite this, there has been a complete lack of communication from American Credit Acceptance for nearly one year. The last contact I received was a demand for payment, after which there has been no follow-up, billing statements, or attempts to resolve or clarify the account. As of XX/XX/year>, I have not made any further payments. The vehicle remains in my possession, parked and unused, and no repossession efforts have been made. The absence of communication or action on the account raises concerns about the validity, servicing, and enforceability of this alleged debt. Key Issues : Unauthorized charges totaling approximately {$4000.00} Lack of clear disclosure and informed consent Significant down payment ( {$10000.00} ) and potential overpayment Failure to provide ongoing account statements or communication No repossession or formal action despite alleged default Possible violations of consumer protection laws, including unfair or deceptive practices Requested Resolution : A full, itemized breakdown of all charges and payments applied to my account Immediate removal and refund of any unauthorized charges A corrected accounting reflecting all payments made and the true balance owed, if any Written validation of the debt, including proof of authority to collect Assurance that my credit will not be negatively impacted during this investigation I have supporting documentation available, including my contract and payment history, and I am prepared to provide these upon request. I request a prompt and thorough investigation into this matter and a fair resolution in accordance with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am formally disputing the seven delinquency marks reported by Aidvantage between XX/XX/XXXX and XX/XX/XXXX. These marks are legally inaccurate and fail to meet the reporting standards required by the Fair Credit Reporting Act ( FCRA ) and federal student loan servicing regulations. XXXX. Violation of Federal Due Diligence ( 34 CFR 682.411 ) Under federal law, student loan servicers are required to perform specific due diligence, including at least four diligent efforts to contact the borrower by telephone during a delinquency. My account records ( attached ) confirm that Aidvantage could not have fulfilled this requirement. My profile explicitly states " Phone Consent = None '' and contains only an obsolete, disconnected landline from my high school records. Consequently, Aidvantage failed to perform the mandatory telephonic due diligence required by law before reporting these delinquencies to the credit bureaus. XXXX. Failure of Notification and Digital Obstruction I received no notice of these loans until XX/XX/XXXX, when I observed a sudden drop in my credit score. While Aidvantage claims to have sent " Inbox '' notifications, I was not invited to enroll in their digital portal, i had to call them my self and create an account in XX/XX/XXXX. It is a physical impossibility to receive " Inbox '' notices in a portal to which the borrower has not been granted access. XXXX. Proof of Good Faith Repayment : My financial history demonstrates a consistent commitment to repayment. I have maintained a 100 % on-time payment record with other servicers, such as XXXX, for over a year. Immediately upon discovering the existence of the Aidvantage-serviced loans, I enrolled in a repayment plan and have since made four consecutive on-time payments. These delinquencies were caused exclusively by the servicer 's failure to notify me of the debt. When I explained the situation, they stated there was nothing they could do with their denial letter ( XXXX XXXX ) XXXX. Illegal Servicing Practices : On XX/XX/XXXX, I attempted to obtain my official portal registration date via the Aidvantage chat system. Despite verifying my identity, the agent ( XXXX ) held the session active for over 15 minutes before allowing it to time out without providing the requested information. This occurred twice in succession ( logs attached ). This behavior constitutes an intentional withholding of material account history and a failure to provide transparent consumer data. XXXX. Severe Financial / Career Harm : These illegal reporting errors destroyed a XXXX + credit score, dropping it to a low XXXX that I've manage to claw back to a XXXX. This has directly resulted in a credit denial from XXXX ( attached ) and is currently preventing me from obtaining car insurance and moving forward with my career in real estate.

Company response to consumer: Closed with explanation