vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XX/XX/year>, my Robinhood Gold Card account was closed by the issuer for alleged business-type transactions. I received an email titled Notice about your Robinhood Gold Card account on the same date. I do not operate a business and all transactions on the account were for personal use. After receiving the notice, I contacted Robinhood through their in-app chat support to request clarification. Specifically, I requested : Identification of the transactions that were classified as business-type The criteria used to determine that classification Confirmation of whether the decision was automated or manually reviewed Reconsideration of the account closure Robinhood declined to provide transaction-level details or the standards used in their determination. I was informed that reinstatement requests are not accepted under any circumstances. Additionally, all remaining rewards points were forfeited as a result of the closure. At this time, I have not been provided any specific evidence or explanation showing how my transactions violated the Cardholder Agreement. I am requesting : Identification of the specific transactions deemed business-related The criteria used to classify those transactions Confirmation of whether this determination was automated or manually reviewed A fair reconsideration of the account closure I am seeking transparency and a documented basis for this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase bank closed my account due to fraud charges with a bad check that I got refunded for a credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: CA

Complaint narrative:
My PayPal account was permanently limited after receiving a U.S. Treasury tax refund issued to me by the Internal Revenue Service. The refund was issued in my legal name and associated with my SSN. I briefly spent approximately {$300.00} before the limitation occurred. I am unable to access the Resolution Center to upload documentation. I am requesting review and release of the remaining balance or confirmation of the release timeline. I can provide identification and IRS documentation upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Block, Inc.
State: CO

Complaint narrative:
I used my cashapp card at the ATM and was charged a fee with no notice. I was charged {$2.00} fee with no warning. My receipt from the ATM has no fee on it but I was still charged a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Fraudulent / Unauthorized Activation & Use of the Account You applied legitimately in XX/XX/XXXX ( reference number XXXX from Synchronys email ), but the account stayed completely dormant for 16 months no charges, no use, no physical card received, and you believed it was denied or inactive. Suddenly, charges began on XX/XX/XXXX ( items like XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Synchronys own mailed itemized statement proves these charges started before the physical card ( ending XXXX ) was mailed on XX/XX/XXXX ( expected delivery XX/XX/XXXX, which you never received ). You never activated, used, or authorized any activity after XXXX the pre-mailing charges + dormancy + no card received make it impossible for these to be legitimate actions by you. XXXX. Duplicate Billing by XXXX The same ( or matching ) amounts/items from XXXX XXXX appeared on your XXXX XXXX debit card XXXX XXXX XXXX ) around XX/XX/XXXX ( e.g., {$24.00}, {$110.00}, {$26.00}, {$42.00}, and others ). This indicates XXXX charged your old debit method as a fallback while routing to the Synchrony card, resulting in double payment for the same purchases. XXXX. Payments Made Toward Suspect Charges You sent a good-faith check payment of {$1300.00} ( check # XXXX ), which Synchronys statement shows applied as a credit but this was paid toward potentially fraudulent/duplicate charges. An attempted debit payment of {$1400.00} on XX/XX/XXXX never processed. Current balance shows {$2200.00} due XX/XX/XXXX ( likely inflated by interest/fees on disputed items ). XXXX. Additional Context The linked XXXX XXXX account was closed due to a fraud investigation ( overlapping with the duplicates ). This pattern ( dormant account suddenly active without your knowledge, pre-mailing charges, no card received, duplicates ) suggests unauthorized access / account takeover or identity theft, possibly exploiting the long-dormant approval. What Youre Asking For ( Resolution Demands ) Full investigation into unauthorized digital access / fraudulent activation ( provide login history, address changes, activation timestamp ). Reversal of all charges from XX/XX/XXXX onward. Refund of your {$1300.00} payment + any interest/fees accrued on disputed amounts. Provisional credit during investigation. Permanent account closure ( with zero or negative balance ). No negative credit reporting related to this matter.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I was completely unaware of this situation until recently. I was informed by my employer on XX/XX/2026 that Midland Credit Management was attempting to garnished my wages for accounts for loans that I never opened. I do utilize technology to keep track of my accounts that are opened and closed via XXXX XXXX, I wasn't aware of any unusual activity until my employer informed me that my social security number and addressed had been used by a person that never worked for my employer to secure money that they never paid back. I have no idea who this person is or how they got my information. Midland Credit Management wouldn't confirm the social security number on the account as the name of the person who used my information had a different name. I was then informed by my employer today, after speaking with Midland Credit Management on XXXX, XXXX, XXXX that my social security number was used for the loan and they attempted to pressure them to follow through with the wage garnishment which they declined to do as the name of the person they were attempting to collect from didn't match with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, I used PayPal Pay in XXXX to purchase a device totaling {$730.00}. The listing advertised a XXXX seller warranty. After receiving the item, the inner folding screen began flickering across the entire display and caused performance issues. I later confirmed with the manufacturer that the manufacturer warranty expired in XXXX, and the seller has not honored the advertised warranty. I contacted PayPal and followed their instructions to pursue chargebacks with my funding institutions. One bank opened a dispute, but another funding institution stated they can not dispute PayPal Pay Later installment transactions at all. I returned to PayPal requesting escalation, merchant misrepresentation review, or executive escalation due to defective merchandise and warranty misrepresentation. PayPal refused to escalate the issue solely because more than 180 days had passed since the purchase date, even though the issue involves misrepresentation and defective hardware rather than buyer remorse. PayPal advised me to contact the merchant despite the merchant not resolving the issue. I am requesting CFPB review because PayPals policies and Pay Later structure prevented effective dispute rights through my funding institutions, and I believe consumers should still have protections when a product is misrepresented or defective.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: CA

Complaint narrative:
XXXX collections for the amount of {$2600.00} is still in my report and I was approved by the company with my dispute on XXXX XXXX and it's still on my report. The dispute # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: GA

Complaint narrative:
My home is currently valued at {$400000.00}. At the time of purchase, it was appraised at {$380000.00} through a VA appraisal. I previously provided a copy of that appraisal to LoanCare LLC. However, the company has not updated the recorded value of my home to reflect this documentation. LoanCare LLC has referenced a valuation of {$350000.00} but has not provided any documentation from XXXXXXXX XXXX or any other source to substantiate that figure. Furthermore, even if such a valuation exists, it would be inconsistent with the original VA appraisal of {$380000.00}. Despite having received the original VA appraisal confirming a value of {$380000.00}, LoanCare LLC has declined to correct the property value in its records. If my home were properly valued at {$380000.00} or higher, I would meet the requirements to manage my own escrow account. As a result of the current escrow requirement, more than {$6000.00} of my funds are retained annually. I am concerned that the refusal to correct the valuation directly benefits the company through the retention of these funds. Additionally, my loan was transferred to LoanCare LLC, and the company has not produced any record supporting the {$350000.00} valuation. Without documentation, this figure appears unsupported and has not been adequately addressed despite my repeated inquiries. I have also experienced ongoing customer service issues, including unreturned calls and unmet commitments. As a Veteran/First Responder, I expect accurate recordkeeping, transparency, and follow-through. I respectfully request that LoanCare LLC correct the valuation of my home to reflect the documented VA appraisal and release me from the escrow requirement if I meet the applicable criteria. Thank you for your prompt attention to this matter. Sincerely, 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 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I'm filing a complaint against LVNV FUNDING because they are reporting a collection account ( original creditor listed as XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX ) that is completely unverified. I never gave permission for them to report anything to the credit bureaus. After I was notified of this collection, I immediately requested proper validation. But they didnt provide anything, no signed agreement, no breakdown of the amount theyre claiming I owe, and no proof they have the legal right to collect this debt. Thats a direct violation of 12 CFR1006.34 ( b ) ( 5 ) of Regulation F, which says collectors must provide full debt verification when the consumer requests it. They also failed to give me a fair opportunity to dispute it, violating 12 CFR1006.34 ( c ) ( 4 ) ( i ). Even though they didnt validate the debt, they still went ahead and reported it to the credit reporting agencies. That is both deceptive and illegal under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which says they cant furnish information to credit bureaus without giving the proper disclosures and the chance to dispute it. They also violated 15U.S.C. 1681b, which says only accounts with a permissible purpose can be included in a consumer report. This account never had my permission or involvement, so theres no valid reason it should be reported under my name. This has caused serious and unnecessary harm to my credit and reputation. Im asking the CFPB to investigate this company and require them to : Stop all credit reporting related to this unverified account ; Delete this tradeline from all consumer reporting agencies ; Provide full documentation proving the debt is real, including a contract with my signature, proof of the original creditor, and proof theyre legally authorized to collect it. If this matter is not resolved, Im prepared to pursue legal action under 15 U.S.C.1681n and 1681o for willful and negligent noncompliance with the FCRA . Their refusal to follow federal law should not be ignored. Please help get this account removed from my report and make sure theyre held accountable for these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: OLD NATIONAL BANCORP
State: MN

Complaint narrative:
I am filing a formal complaint against Old National Bank regarding the unauthorized withholding of my funds totaling {$23000.00}. Despite opening this account in XX/XX/year> and maintaining it in good standing, the bank has placed a hold on my assets pending a W-9 request. I have already visited a local branch in person, where a banker confirmed that all my tax and identification information is correct and verified. Despite this verification, the bank continues to deny me access to my funds without a legitimate regulatory explanation. I am demanding the immediate release of my balance so that I may close my accounts and terminate my relationship with this institution due to their lack of transparency and poor business practices.

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 2026-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
EdFinancial purposely delays applying my payments. I have automatic payment DIRECTLY from my bank to their bank. How is that every payment I make TAKES several days for me to be credited? All the while they continue to impose the DAILY interest on the incorrect balance. I started paying back my loan in XXXX of XXXX. I paid my first payment and when I logged into my account, I literally owed more than what I had borrowed. XXXX dollars were applied to the principal. I called EdFinancial. They explained all payments go to the interest first and I owed about {$2000.00}. Any payment would first go to this. In other words, it would take SEVEN months of payments. All the while gathering more interest - another {$1000.00} - in this same time period. What?! I paid the accrued interest so my payments would go more towards my principal. EdFinancial took 4 weekdays to apply it to my account. Since my loans accrue {$140.00} a month ( daily interest! ) I decided to pay that in addition to my payment so more of my payment goes to principal. But since they take DAYS to process my payment, I end of paying more. Payment XX/XX/XXXX {$140.00} It is XX/XX/XXXX and the payment still shows as processing. I purposely made this payment ( the monthly accrued interest ) so that my payment of {$350.00} actually goes entirely to PRINCIPAL. However with the DELAY in the APPLICATION of my BANK to BANK payment, this will not be the case. My regular payment will pull XX/XX/XXXX -- how much more will they make with the next delay. It is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
This account is reporting inaccurately. The furnisher has failed to provide sufficient documentation verifying the debt, including the original contract, chain of assignment, and full accounting ledger. I am requesting an investigation into inaccurate reporting under the Fair Credit Reporting Act. Keep it compliance-based.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I am providing an additional update following the companys interim response. Since my original complaint, Robinhood has continued to provide inconsistent explanations regarding my confirmed TON deposit. Initially, support representatives indicated that the deposit required manual reconciliation due to a missing memo and that resolution would occur within approximately five business days. However, more than one month later, no resolution has been provided. More recently, Robinhood support informed me that recovery of the transfer was not possible, while simultaneously stating that similar situations may be resolved in the future as network support evolves. This statement is inconsistent with the fact that XXXX is already listed and tradable within the Robinhood platform, and earlier communications focused solely on memo attribution rather than lack of network support. As of today, Robinhood has not clearly confirmed : Whether the internal investigation has concluded Whether Robinhood maintains custody or control of the deposited assets The specific technical or operational reason recovery was deemed impossible Whether any manual reconciliation attempt was actually performed Given that the transaction was confirmed on-chain and delivered to the Robinhood-associated address, I am requesting that Robinhood provide a definitive written determination explaining the disposition of the funds, details of the investigation performed, and either credit or return of the assets where operationally feasible. I am also requesting CFPB assistance in ensuring timely and complete responses, as the companys communications to date have been delayed and internally inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am disputing Capital Ones handling of a billing dispute involving XXXX recurring charges of {$45.00} from XXXX XXXX in XXXX and XX/XX/year>. My authorized XXXX XXXX subscription rate was {$5.00} per month, as demonstrated by consistent billing from XXXX through XX/XX/year>. I did not authorize any change to my subscription plan or pricing. XXXX XXXX did not provide notice of a subscription change, did not disclose a price increase, and did not provide an opportunity to consent to or cancel before the higher-priced charges were applied. I first became aware of the change only after the charges were posted. I submitted a dispute to Capital One and provided : Billing history showing the established XXXX XXXX monthly rate Statements reflecting the {$45.00} charges Written correspondence explaining the lack of notice and the lack of consent Email correspondence with the merchant ( XXXX XXXX ) showing that I contacted the merchant in good faith to resolve the issue directly, clearly disputed the lack of notice and consent for the subscription change, requested a refund for the unauthorized charges, and received no resolution or substantive response despite repeated follow-ups Capital One denied the dispute on procedural grounds, stating that I was responsible for the charges because I did not provide a merchant-issued invoice or documentation stating that I was supposed to be charged {$5.00} for those months. This requirement is unreasonable and impossible to satisfy. No such invoice exists because the merchant never notified me of a plan or price change. The merchants statements merely reflect what they charged, not what I authorized. I am disputing the charges as an unauthorized subscription change resulting in unauthorized recurring charges, not a routine price increase. XXXX XXXX refused to reclassify the dispute under unauthorized charge criteria and refused escalation or arbitration unless I provided documentation that can not exist ( proof that I received no notice ). I am requesting CFPB review of Capital Ones handling of this dispute, including its refusal to properly evaluate an unauthorized recurring charge and its denial based on unattainable evidentiary requirements rather than a substantive review of authorization and notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Some scammers reached out to me via text back in XXXX claiming I could make money doing marketing ads. I believed tnem and thought I was working for a company called bittrade. I sent them over numerous transactions of money, because I was told that inorder to get paid, I would have to invest first. I thought it sounded legit until more money would be requested in order to withdraw my earnings

Company response to consumer: Closed with explanation