vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: NE

Complaint narrative:
Beginning in XXXX, I disputed an alleged XXXX XXXX credit card debt with The Bureaus, Inc. in writing and requested lawful validation. I specifically requested proof of ownership or assignment of the account and account-level documentation showing the account is attributable to me.

The company responded multiple times with letters providing only summary data fields ( such as dates and balances ) derived from its clients records, but did not provide ownership documentation, account-level records, or evidence establishing that the account belongs to me. 

Despite this, in a letter dated XX/XX/XXXX, The Bureaus stated that it had conducted an investigation, that the disputed information was accurate, and that its response met federal validation standards, citing multiple federal circuit courts without identifying any cases or explaining their relevance. The letter did not identify what documents were reviewed, who conducted the investigation, or how accuracy was determined. 

Earlier correspondence also attempted to condition further investigation on my completion of an affidavit and submission of identification, which I did not assert was required and did not consent to provide. 

I believe these communications misrepresent the companys compliance with federal debt-collection requirements and falsely imply that a legally sufficient investigation and validation were performed when the requested documentation was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
An account was opened using my name and social security number after I had reported identity theft and fraudulent activity with Capital one. I had asked that my account be flagged so that the fraudulent activity would not reoccur. An account was opened despite my request, the fraudster was then able to create an online access account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
According to complaint number XXXX, Credit Systems Int ' l would be deleting a debt and informing credit bureaus. Debt has not been deleted and credit bureaus have not been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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:
I am filing a complaint against PayPal , Inc. regarding its failure to issue a full refund after ruling a dispute in my favor, improper case closure, and retention of my funds without explanation ( PayPal Case ID : XXXX ). 

I purchased specialized equipment through PayPal from Information Unlimited. The merchant delivered nonconforming goods, specifically a cheaper, smaller, and lower-amperage version than what I ordered. The merchant admitted they could not provide the ordered item and sent a replacement I did not agree to, despite charging full price. 

I returned the equipment. The merchant accepted and signed for the return, and I have proof of delivery. PayPal reviewed the dispute and formally ruled in my favor, notifying me by email on XX/XX/year> that a refund had been issued.

However, PayPal refunded only {$4200.00}, even though the total amount I paid was significantly higher. The transaction was paid in installments : an initial payment/credit of {$5200.00}, followed by a final payment of {$4800.00}. After reconciliation, PayPal has retained {$5800.00} that has never been refunded.

PayPal has never provided a written explanation for withholding this balance. When I attempted to resolve the discrepancy, PayPal closed the case, denied reopening it, limited my account, and continued to retain my funds.

Although the merchant later became non-responsive due to the owners death, PayPal had already ruled in my favor. PayPals refund obligation arises from its own Buyer Protection decision and is independent of the merchants later status.

As a result, I have been deprived of funds rightfully owed to me, my account was limited without resolution, and PayPal failed to honor its own dispute determination.

I am requesting that PayPal : 1. Issue the remaining refund of {$5800.00} 2. Provide a written accounting explaining the refund calculation 3. Remove any account limitations related to this dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is reporting a XXXX collection account that is more than XXXX years old by illegally re-aging the Date of First Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint against Citibank regarding inaccurate internal records and failure to update my banking status after full payment of previously closed and overdrawn accounts, which is continuing to prevent me from opening new personal banking accounts. 

In late XX/XX/year>, I went in person to the Citibank branch in XXXX XXXX, California and paid in cash the full outstanding balances on my previously closed checking and savings accounts. The teller accepted my payments and confirmed that the accounts were brought to a XXXX balance. Despite this, Citibanks back-office systems still show unresolved negative banking history. As a result, every attempt I make to open a new personal checking or savings account is automatically declined, with the stated reason being previous banking history. This is inaccurate and does not reflect the fact that the debts were fully satisfied months ago. 

I have allowed several months for Citibank to properly process and update their internal records, but they have failed to clear my negative status or correct their verification systems. This ongoing reporting error is preventing me from reestablishing a normal banking relationship.

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 2026-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Astra Business Services
State: TN

Complaint narrative:
A collection company claiming that owe a medical debt for services that I didnt receive, it was put on my credit report and removed after my dispute, they have now sold it to another company and put it on my credit report in which I have once again disputed it. Its for {$1400.00} from XXXX XXXX XXXX who has sold it to Astro Business services.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account was permanently limited more than 23 years ago. Since then, PayPal has been holding USD XXXX in my account, which far exceeds PayPals stated 180-day holding period. 
, yyI attempted multiple times to contact PayPal through their Resolution Center and contact options. However, because my account is permanently limited and locked, I was unable to successfully submit or send a message to PayPal. 
PayPal has not provided a clear written explanation citing any legal or policy-based reason for holding my funds indefinitely, nor have they provided a resolution process. 
I have attached screenshots showing that PayPal acknowledges the USD XXXX as available while simultaneously restricting my access due to the permanent limitation. 
Holding customer funds indefinitely without transparent justification appears to be unfair and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bilt Technologies, Inc.
State: IN

Complaint narrative:
I am filing a complaint regarding a material change to the Bilt Mastercard housing payment feature that has significantly reduced the cards core value.

When I obtained the Bilt Mastercard, the primary advertised benefit was the ability to place housing payments ( rent and later mortgage ) on the card and have those charges apply to the credit line, allowing normal credit card functionality such as statement float and standard rewards earning.

Under the new Bilt 2.0 program, housing payments are no longer applied to the cards credit line. Instead, they are withdrawn directly from the customers bank account via ACH. This fundamentally changes the nature of the transaction from a credit card purchase to a bank debit, while still being marketed as a credit card housing benefit. 

This represents a material reduction in the core functionality and consumer value of the product. The original value proposition was the ability to place unavoidable housing expenses on a credit card. That feature has effectively been removed. 

Additionally, the new rewards structure requires additional spending or conditions to unlock housing rewards, further reducing the practical value of the card compared to the original terms under which customers signed up. 

I believe this constitutes : A material change to advertised card benefits. 

A reduction of core functionality without equivalent replacement value Potentially misleading marketing if the card continues to be promoted as enabling housing payments via credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Dispute of Inaccurate Credit Reporting Under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SS # ending in XXXX : Credit Bureau Name All credit agencies REPORTING INACURATE BALANCES ON ACCOUNT FROM WELLS FARGORE : Formal Dispute of Inaccurate Credit Information Under 15 U.S.C. 1681 Dear Sir or Madam, I am writing to formally dispute inaccurate and/or unverifiable information appearing on my consumer credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.After carefully reviewing my credit file, I have identified information that is inaccurate, incomplete, outdated, or not properly verified, which may include but is not limited to : Accounts reporting incorrect payment history Accounts reporting incorrect balances or statuses Accounts that are obsolete or exceed the allowable reporting period Accounts that can not be verified as required by law Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. Additionally, under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receipt of this notice. Please investigate the disputed items and : Delete or correct any information that can not be verified as accurate and provide me with written confirmation of the results of your investigation, including an updated copy of my credit report if changes are made. If the furnisher of the information fails to verify the accuracy of the disputed items, you are required by law to remove the information from my credit file. Enclosed are copies of any supporting documents relevant to this dispute ( if applicable ). Please note that this letter serves as a formal legal dispute, and I expect full compliance with federal law. Thank you for your prompt attention to this matter. The car is under water/recall on engine, and it's vale is less than what's owed. 


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 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for the Citi XXXX XXXX credit card after being preapproved a month earlier. I have no credit card debt and maintain a strong credit score. During the application review period, I closed a Citi checking account for unrelated reasons. Since then, I have been unable to log in to my Citi account, receiving suspension notices and redirects similar to issues that have been publicly reported. 

I submitted Form 4056-C on the day of application and followed up multiple times to confirm receipt. Despite this, Citi has been unable to provide a clear timeline for a decision, requiring repeated calls to check my application status. 

I was also informed that, due to these delays, Citi may perform a second hard credit inquiry, which I did not consent to and which may occur before any approval decision is communicated.

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 2026-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
To Whom It May Concern, I am filing this complaint to request immediate CFPB intervention regarding Capital Ones continued reporting of inaccurate, misleading, and unlawfully reaged information on my credit file. Despite prior disputes, Capital One has failed to correct multiple violations of the Fair Credit Reporting Act ( FCRA ). 

Below is a detailed list of the violations : 1. Illegal ReAging of the Account ( FCRA 623 ( a ) ( 5 ) ) The account was closed on XX/XX/XXXX, and my last payment was XX/XX/XXXX. 
Despite this, Capital One continues to report : - Derogatory marks for all of XXXX - Derogatory marks for all of XXXX - A pastdue balance as of XX/XX/XXXX A closed, chargedoff account can not generate new late payments. This is illegal reaging.

2. Contradictory ChargeOff Reporting ( FCRA 607 ( b ) ) The account is marked as : - Profit and loss writeoff - Past due : {$630.00} - Balance : {$630.00} A chargedoff account can not simultaneously be past due. This is inaccurate and misleading.

3. Duplicate and Incorrect Remarks ( FCRA 611 ) The remarks section lists : - Dispute resolved reported by grantor - Dispute resolved reported by grantor This duplication is improper and misrepresents the dispute history. 

4. Improper Utilization Reporting on a Closed Account ( FCRA 607 ( b ) ) Capital One is reporting : - Credit limit : {$700.00} - Balance : {$630.00} - Usage : 90 % Closed accounts should not be included in utilization calculations. This harms my creditworthiness and is inaccurate. 

5. Failure to Conduct a Reasonable Investigation ( FCRA 623 ( a ) ( 8 ) ) I previously disputed this account.

Capital One failed to correct the inaccurate information and continues to report false late payments and false balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Im writing to you about Bank of America unethical practice. I notified Bank of America around XX/XX/XXXX to revoke money insta cash payments. They allowed a charge of {$930.00} to go through on my account XX/XX/XXXX. I called them right away about me placing a stop payment on money lion insta cash. They said they did but a stop payment on money lion but the payment of {$930.00} came out as insta cash and not money lion. So Bank of America said they can put a stop payment for insta cash payments because they cant control if a company uses a different payment. I said I had prove that I sent via email communication to revoke XXXX XXXX XXXX cash from taking from account. Money lion acknowledged the email but said they sent my account according to schedule and theyre not refunding my account but moving further they will take me off of automatic payments and I will have to manually make payments. Bank of America sent me a notice XX/XX/XXXX stating they are reversing the {$930.00} credit because there investigation showed I recived the money and I had done business with money lion. My claim was unauthorized use. Not once in my claim did I say I didnt recive Funds from money lion. The claim Is that money lion was unauthorized to take {$930.00} from my account via automatic payments because I revovked them from doing that via email communication. Once you revoke money lion insta cash it goes to manual payment. Therefore XXXX XXXXXXXX XXXX findings of my claim to reverse the credit of {$930.00} is not right. Bank of America should not be able to take my credit away because I have proof that I revoked money lion insta cash from automatic payments. Thats is what my claim is about. Bank of America is saying well you deal with money lion insta cash and you have a history with them and because they debited my account according to their schedule its legit. No its not because I revoked them from taking from my account. So they were not authorize and Bank of America needs to realize that. I spend XXXX days trying to get a hold of the fraud department because their customer service time has been over an hour wait. Bank of America never allowed me to submit my proof even though when I fillled the claim I told them have emails were money lion insta cash a knowledges that I sent communication revoking them from taking from my account. Bank of America needs to do better.

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 2026-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
Collection agency is incorrectly listed as original creditor. No original creditor details, account number, or supporting documentation provided. 
There is no proof it was from any actual company they have listed themselves as original company opening it XX/XX/year> but only reporting today! They are freudulant and had impersonated a person of law threatening me but giving me no proof! Ot is Elevate Recoveries!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I opened a dispute through XXXX  and synchrony bank. They came back and said that I was the one who opened the account even though I never opened this account

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 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
I have no acknowledgement of this debt and I requesting a debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On or about XX/XX/year>, I purchased airline tickets from XXXX XXXX using my Capital One debit card. Capital One placed XXXX authorizations for the same transaction amount from the same merchant. Only one ticket was issued, and only one legitimate charge was captured by XXXX XXXX. 

As a result of the duplicate authorization hold, my available balance was reduced by the amount of the ticket twice. This caused my account balance to go negative and restricted my access to my own funds. This created immediate financial harm, including the inability to use my account for necessary expenses. 

I contacted Capital One customer service and the claims department to report the duplicate authorization and request the release of the excess hold or provisional credit due to the financial harm caused. Capital One representatives stated that they would not release the duplicate authorization, would not provide provisional credit, and would not offer any interim relief or fee protection. I was told I must wait until the authorization falls off automatically, even though this duplicate hold is not a valid charge and is causing ongoing harm. 

I am not disputing the legitimate XXXX XXXX charge. I am reporting a duplicate authorization hold for the same transaction that resulted in loss of access to funds and an overdraft. Capital Ones handling of this situation has left me without access to money I deposited and has exposed me to overdraft fees and declined transactions through no fault of my own. 

I am requesting that Capital One : Review and correct the handling of duplicate authorization holds that restrict consumer access to funds. 

Reverse or waive any overdraft or NSF fees caused by this duplicate authorization. 

Ensure that pending authorizations are not processed in a way that causes consumers to lose access to funds for valid purchases that have already been settled. 

XXXX, XXXX, ID # XXXX, rudely refused to answer my questions about how I would have a record of the conversation. I also need a case or claim number so I can keep a record of this conversation/claim. The same supervisor told me there was no claim or reference number. I called back, and another XXXX said there was. The lying is annoying and not conducive to consumer service. 

The other XXXX gave me the case number : XXXX

Company response to consumer: Closed with explanation