vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
my credit score is XXXX and have zero negative transactions apply for chase credit card on XX/XX/year> have not heard from them call reconsider line a gentlemen from XXXX with fake name XXXX answer the phone and wrote down all my personal information. i got suspicious after the phone conversation and went to local chase bank in XXXX ks. the banker call the credit card company and someone from XXXX answer the phone and the banker try to get answer from this person about what happen to credit application but he coudnt give straight answer he mention that one information was wrong on the application. the banker was confuse by this phone conversation and ask the branch manager to get involved in this matter she came and talk to me and said she will talk to her supervisor. so this is a scam they collect personal data from USA residents and sent it to XXXX. all these cyber crimes start from places like this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: SC

Complaint narrative:
I filed multiple police reports and sent them to resurgent, credit XXXX was already disputed from my credit report, they sold the debt once it was confirmed to be identity theft which is a violation of FDCPA Once a debt is proven to be fraudulent, collectors must cease collection, but they often sell it to other agencies in error or bad faith. Resurgent claimed they were investigating but are continuing to try and collect on a fraudulent debt and harassing me in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: KY

Complaint narrative:
CFPB What happened? ( copy/paste ) I am submitting this complaint about an unauthorized credit card charge and a denied billing dispute on my XXXX credit card. A charge for {$150.00} posted to my XXXX account from XXXX. I did not make or authorize this purchase, and I did not receive any goods or services related to it. I disputed the charge with XXXX as an unauthorized transaction. During the dispute investigation, XXXX credited the amount back to my account ( temporary/provisional credit ). After that, XXXX mailed a dispute denial letter to my address and then re-applied the {$150.00} charge back onto my balance, reversing the credit. I am disputing the denial decision because the charge remains unauthorized and I should not be responsible for it. Resolution requested : Remove the {$150.00} XXXX charge permanently and restore the credit, Ensure no interest, fees, or penalties are assessed related to the disputed amount, Provide a written explanation of the evidence used to deny the dispute and the reason for rebilling, and Ensure there is no negative credit reporting related to this disputed charge ( or correct any negative reporting if it occurred ). I am attaching the dispute denial letter and account documentation showing the original charge, the credit, and the rebilling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 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: GA

Complaint narrative:
I am filing this complaint regarding PayPals failure to follow through on the timeline they provided for reviewing my account. I contacted PayPal regarding an issue with my account, and I was specifically told that my account would be reviewed within a few days. Based on that representation, I expected timely action and communication. However, it has now been over a week, and the review has still not been completed. What is especially frustrating is that PayPal set the expectation themselves, and I relied on the timeframe they gave me. Since then, I have experienced delays, uncertainty, and a lack of meaningful updates regarding the status of my account. If additional documentation or information was needed, that should have been clearly communicated rather than leaving my account in limbo beyond the promised review period. Consumers should be able to rely on the timelines and commitments provided by financial service companies, especially when access to funds or account functionality may be impacted. I am requesting that PayPal immediately complete the promised review, provide a clear explanation for the delay, and give me a definitive timeline for resolution instead of vague or unfulfilled promises.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am requesting assistance locating XXXX Rewards points that should have been refunded after a cancelled travel booking. The original booking was made using Chase XXXX Rewards points on a Chase card that has since been closed. After the travel provider cancelled the trip, the refund was apparently processed, but the points were never restored to any active Chase account. This does not appear to be a forfeiture issue, but rather a refund-routing issue tied to a closed rewards account. I have spent countless hours on the phone with both chase XXXX and chase credit card services. Chase credit card services is unable to see travel information and cancelled flight and chase travel is unable to access rewards points information. I currently maintain other Chase accounts and am requesting review to determine : whether the refunded points are sitting in a dormant or closed rewards ledger, and whether they can be manually reassigned to one of my active XXXX Rewards accounts. Details : Name : XXXX XXXX Card last four digits : XXXX Current Chase accounts : XXXX, XXXX Travel confirmation number : Trip ID # XXXX Airline reference number : XXXX Approximate points amount : XXXX XXXX Date of cancellation/refund : Flight canceled on XX/XX/year> I would appreciate review by the Executive Office or Rewards Escalations team. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is a followup complaint because Capital One did not address the issue in their previous response. Their letter was generic and did not respond to the facts of my case. Unauthorized external bank accounts were added to my Capital One profile around XX/XX/XXXX. I did not add these accounts or authorize any payments from them. My checking and savings accounts were restricted on XX/XX/XXXX. I contacted Capital One between XX/XX/XXXX, and they closed those accounts and issued new ones. My credit card accounts were not restricted until early XXXX, weeks after the fraud case was already resolved. Capital One is treating this as a new payment dispute and is demanding bank statements for the fraudulent external accounts, which I can not provide because they do not belong to me. In my first complaint, I explained that this appears to be a misclassification of the original fraud case. Capital One did not address the timeline, the fraudulent accounts, the misclassification, or the fact that I have been trying to resolve this since XX/XX/XXXX. Their response did not address any of the issues raised. I am requesting that Capital One properly review the case, correct the misclassification, and lift the restrictions on my credit card accounts without requiring statements for accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: MD

Complaint narrative:
On XX/XX/year>, I purchased an item online from XXXX XXXX XXXX XXXX via their website and paid in installments through Klarna. After a period of time with no communication, I emailed XXXX XXXX XXXX XXXX on XX/XX/year>, requesting the order be cancelled. There was no response. I opened a dispute with Klarna on XX/XX/year>, stating I'd had no response from XXXX XXXX XXXX XXXX and asking for help with the dispute. At that time, Klarna put my payments on hold while attempting to contact XXXX XXXX XXXX XXXX. On XX/XX/year>, Klarna emailed me regarding the dispute ( # XXXX ) and requested a link to the store 's website and screenshots of my most recent communications with XXXX XXXX XXXX XXXX. I replied to Klarna on XX/XX/year> with the store 's website link, which was no longer active, and a screenshot of my XX/XX/year> email. On XX/XX/year>, Klarna again emailed me asking for screenshots of my latest communication and tracking/shipping information. I emailed XXXX XXXX XXXX XXXX on XX/XX/year> and the email was returned undeliverable. I sent screenshots of this attempt to Klarna on XX/XX/year>. On XX/XX/year>, " XXXX '' with Klarna emailed me to say that Klarna re-activated my payments because I did not provide them a valid tracking ID and clear communication with the store. I replied on XX/XX/year>, that I can not send a tracking ID because I don't have one, XXXX XXXX XXXX XXXXXXXX XXXX website is no longer active, and my emails to XXXX XXXX XXXX XXXX have bounced back. I asked for Klarna to stop any payments. On XX/XX/year>, I followed up with " XXXX '' at Klarna. To date ( XX/XX/year> ), I have received no response. I have never received any communication with XXXX XXXX XXXX XXXX, I do not have the item I purchased, and I dispute Klarna continuing to charge my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Someone named XXXX XXXX hacked my account with Pay Pal on XX/XX/year>. This person made 2 withdrawals : {$200.00}, {$250.00}. one after another. I contested these 2 transactions, they were unauthorized. The money was withdrawn from the checking account in my bank ( at this point, I have lost {$450.00} ). What happened next is shocking. The complaint was immediately rejected. I contacted Pay Pal and chatted with someone named XXXX. XXXX wrote that my complaint was rejected automatically by AI! He resend the complaint again, and it was again rejected, in a short time ( probably by AI ). Pay Pal claimed that the transaction was authorized. I have never sent money to XXXX XXXX and I have never sent 2 transactions in a row, within a short period of time. It should have been a red flag. I called the live person at PayPal today ( XX/XX/XXXX ) and they claim the transaction was authorized and they advise me to write an email to XXXX XXXX to return me the money he stole! This is beyond cynical! Please, publish this story as a warning against non-existent customer service by PayPal. Pay Pal saves money by rejecting claims using " automatic rejection by AI ''. I can only imagine if someone is elderly, not computer literate and unable to deal with this XXXX nightmare...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Amount Disputed : {$31000.00} THE COMPLAINT {$34000.00} in unauthorized charges appeared on my Wells Fargo credit card between XX/XX/XXXX and XX/XX/XXXX. I disputed them on XX/XX/XXXX. Wells Fargo rejected my dispute on XX/XX/XXXX without investigation. WELLS FARGO 'S VIOLATIONS 1. NO PROVISIONAL CREDIT - Regulation Z 1026.13 ( d ) ( 1 ) Law : Provisional credit required within 10 business days of dispute. Wells Fargo : 68 days since dispute. XXXX provisional credit. My {$35000.00} credit line has been maxed out with fraudulent charges for 68 days. 2. NO INVESTIGATION - Regulation Z 1026.13 ( c ) Law : Bank must conduct reasonable investigation and either correct the error or provide written explanation. Wells Fargo : Did NOT contact merchants. Did NOT request proof of authorization. Did NOT provide documentation. Just rejected the dispute with zero explanation. 3. NO CHARGEBACKS - Regulation Z 1026.13 Law : Bank must initiate chargebacks. Merchants must prove authorization. If merchants don't respond, cardholder wins. Wells Fargo : Closed dispute before allowing merchant responses. Merchant has burden of proof- Wells Fargo denied me this right. 4. LIABILITY LIMIT EXCEEDED - 15 USC 1643 Law : Maximum cardholder liability for unauthorized charges is {$50.00}. Wells Fargo : Holding me liable for {$31000.00}. That's {$31000.00} OVER the legal maximum. CURRENT BALANCE ( All Unauthorized ) Balance : {$36000.00} Past Due : {$850.00} Overlimit : {$1500.00} Wells Fargo violated federal law by rejecting my dispute without conducting ANY investigation and holding me liable for XXXX the legal maximum.

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 monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Repeatedly calling workplace before XXXX XXXX in one day, after being told personal calls weee not allowed in establishment, Requested to only contact via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-05-11 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: Fig Tech Inc.
State: IL

Complaint narrative:
I signed up to get a loan with Fig Loans via XXXX XXXX. I paid off my entire loan on the XXXX XXXX app. My loans are showing as paid off from XXXX XXXX on my credit file too. Fig Loans continues to claim I have a balance on my account of {$130.00}. I have reached out to them multiple times to clear this from my file but their customer support does not respond beyond a point. They simply don't provide any resolution. They keep saying they can't find my on their system. The email address I used to sign up is no longer in use, and so I told them I can provide my SSN. But no response at all. I first reached out on XX/XX/XXXX. They responded and said they can't find me on their system. I then reached out on XX/XX/XXXX. They said I might have a duplicate account on their system. They asked me for the last 4 of my SSN. I gave it to them. No response after. The fact that their negative remark is still on my credit file is causing me issues. I am getting declined for credit cards, when I'm applying to rent apartments leasing managers are asking me about the {$130.00} that they sent to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a 0 % promo interest rate. I made a separate purchase not included in the promo interest rate. I then called to allocate a payment to the non promo balance within the month. The payment was made on my end. The promotional department said they could not allocate the payment to the non promo balance and instead allocated the payment to the promo balance, which then charged me interest for the past 9 months. This has happened with BOTH of my Synchrony Bank accounts.

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 monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-11 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I closed my account in XXXX of XXXX because they sent me a replacement card to a wrong address. I never received this or activated it. The original card was hacked. The card at that time was XXXX XXXX XXXX. Now the Citi Cards and they say I am delinquent and I have some late fee charges. The card associated with this charge I have never seen and I never received a statement from them stating that I owed them any amount. I havent received a statement since I closed my account back XXXX of XXXX. The customer service team doesnt seem to speak English well enough to understand my position. I asked them for proof that I have any cards or used any cards since I closed the account. They could not provide proof and they just said that I owed them {$99.00} plus late fees.

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 monetary relief