vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I made a purchase to a merchant online in the amount of XXXX and was not provided a tracking number until XXXX weeks after purchase. The tracking number that I was provided was not real in the website I ordered from has been taken down when asked for a refund. I was denied through Cash app although I provided all of my documents proven I did not receive merchandise from merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear CFPB Team, I am submitting this letter as a formal escalation under Regulation E ( 12 CFR 1005 ) regarding unauthorized electronic fund transfers from my Truist account associated with a phishing and account-takeover event. 

I previously reported this incident through Truists fraud channels. Truist initially issued provisional credit, indicating acknowledgment of unauthorized activity. However, I was later informed that recovery was denied, and I have now been told by Truist representatives that the investigation can not be reopened. 

I respectfully assert that this response is insufficient under Regulation E. 

Basis for Escalation The transfers were initiated as a result of phishing and deception, not authorized use. 

The activity constitutes an unauthorized electronic fund transfer under 12 CFR 1005.2 ( m ).

Truists initial provisional credit demonstrates recognition of unauthorized activity.

I have not received a detailed written explanation demonstrating that a reasonable investigati
on, as required by 12 CFR 1005.11 ( c ), was conducted.

I dispute any conclusion that the transfers were authorized, as they were induced by fraudulent impersonation and account compromise. 

Request I formally request : A supervisory re-review of the investigation under Regulation E. 

A written explanation detailing the specific facts and regulatory basis for denial. 

Confirmation of the evidence relied upon to determine the transfers were authorized. 

Preservation of all internal records related to this investigation. 

If this matter can not be resolved internally, I will proceed with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and, if necessary, the Office of the Comptroller of the Currency ( OCC ). 

This letter is intended to preserve my rights under federal law. 

Sincerely, XXXX 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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
his complaint concerns Synchrony Banks handling of unauthorized activity involving my PayPal Credit account. 
In XX/XX/XXXX, unauthorized activity occurred on my PayPal account, including the depletion of my PayPal Balance twice and the appearance of PayPal Credit charges that I did not authorize. These charges only occurred because my PayPal Balance was drained without my permission, causing PayPal Credit to be used as a fallback funding source. 
I repeatedly informed Synchrony that the activity was unauthorized and requested the provisioning logs, device information, IP address, tokenization records, authentication method, and timestamps for the digital wallet events associated with this account. Synchrony refused to provide any of this information and continued to assert that no unauthorized activity occurred, despite clear evidence to the contrary. 
On XX/XX/XXXX, PayPal permanently closed the associated PayPal account due to unusual activity we can not support. This is PayPals own written acknowledgment that the account was compromised and that the activity was inconsistent with legitimate customer behavior. Synchronys position that no unauthorized activity occurred is directly contradicted by PayPals findings.

I did not authorize the PayPal Credit charges, I did not authorize any digital wallet provisioning, and I did not authorize the repeated depletion of my PayPal Balance. Synchrony failed to investigate properly, failed to provide the required documentation, and failed to protect me from fraudulent activity. 
I am requesting that the CFPB review Synchronys handling of this matter and require the company to correct the unauthorized activity and provide the documentation I requested. 
I consent to publication of this description after the CFPB removes personal information.

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 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
I received a notification in XX/XX/XXXX an escrow check had been sent out to the county to pay for the property taxes on the property. On XX/XX/XXXX we closed on selling the property. The closing attorney was aware Citizens had already sent a check and was supposed to hold the check on his end but ended up sending it anyways. I reached out to the county on XX/XX/XXXX and they confirmed they received the check from the Closing attorney but not from Citizen 's. I then contacted citizens that same day and they said they were not showing the check as cashed but we needed to wait until XX/XX/XXXX to stop the check per their policy. I called Citizens back on XX/XX/XXXX for an update and they said at that time they would need to contact the county to see if they had received the escrow check from them and to refund it. They said this would take up to 7 business days and they would contact me back. I called the county again that day and they confirmed they had not received it. On XX/XX/XXXX I still had not heard anything back so I called citizens again. They are now saying it could take 3-6 months to have the escrow about refunded and sent back to me. I have called several times over the last month with a different answer each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX, for years, billed me and refused to remove an account that was fraudulently opened in my name and with my SSN. Due to the negative impact on my credit report, I paid the debt so that issue could finally be resolved. At time of payment, I requested a pay to delete option, to put the entire issue behind me and move forward. My request was not granted. I have since disputed and submitted documentation of the paid account from XXXX XXXX with my dispute. XXXX  has removed the item, However, Experian reports the item as updated with no changes nor has the item been removed. I am once again writing to you with the request that the item be removed, as the account was never mine. Thank you so much with all of your help.

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 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have an auto loan serviced by Ally Financial. In XX/XX/year>, following my medical separation from the XXXX XXXX and a significant change in income, I notified Ally of my hardship and requested assistance and review. 

In XX/XX/year>, I formally requested, in writing, a full written explanation of my account, including a complete payment history, itemized breakdown of interest and fees, confirmation of the current balance and payoff amount, information regarding hardship or loss-mitigation options, and confirmation that repossession activity would be paused while my account was under review. 

Ally did not provide the requested information in full or in a clear written response. Instead, Ally continued to send notices threatening charge-off and repossession. I also received phone calls from third-party representatives stating they were calling on Allys behalf regarding vehicle pickup, despite my request that all communication be in writing only. 

I am not refusing to pay my obligation. I am requesting transparency and documentation so I can make informed decisions and resolve the account responsibly. The continued repossession activity and third-party contact while my written requests remain unanswered has caused concern and confusion regarding my rights and options. 

I am submitting this complaint because Ally has not adequately responded to my written requests for information and has continued collection and repossession efforts without providing the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello. I am contacting you because my card was use fraudulently and the thieves racked up {$4600.00} worth of debt in my name. Majority of the transactions took place in the XXXX  XXXX and I live in the XXXX XXXX XXXX XXXX. I also have plane tickets and military orders showing where I was when the majority of the fraudulent transactions took place

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Company agreed to reverse fees and not only did not reverse them, but increased. Final straw was in balance decrease resulting from fees that were supposed to be removed.

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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
I am filing a formal complaint against Absolute Resolution Investments, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, phone ( XXXX ) XXXX, for inaccurate and illegal credit reporting. 

The original creditor for these accounts is XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, VA XXXX, phone ( XXXX ) XXXX. 

The original accounts were credit card revolving accounts opened on XX/XX/XXXX, charged off, and last updated XX/XX/XXXX, with balances of {$5600.00} and {$11000.00}. The last payment was made on XX/XX/XXXX. 

These debts were later purchased by Absolute Resolution Investments, who then reinserted the accounts onto my credit report as newly opened collection accounts dated XX/XX/XXXX, falsely extending the reporting period and estimating removal dates of XX/XX/XXXX and XX/XX/XXXX. 

This is illegal re-aging in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ). The sale or transfer of debt does not reset the 7-year reporting timeline, which must be based on the original date of first delinquency, not the purchase date.

Additionally, Absolute Resolution Investments is misrepresenting the nature of the accounts by reporting them as newly opened factoring company accounts rather than accurately reflecting the original charged-off XXXX XXXXXXXX XXXX XXXX accounts. This constitutes false and misleading credit reporting. 

As a result of this inaccurate reporting, I am suffering ongoing financial harm. 



Attached is documentation supporting my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
CREDENCE RESOURCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I tried to XXXX  XXXX to my XXXXXXXX XXXX XXXX  acct. It did not go through so I submitted another XXXX that one went through. I have filed XXXX claims with chase stating that I only received XXXX XXXX to guardians but XXXX XXXX were taking out of chase. Both claims have been denied by XXXX stating XXXX  XXXX  has received the payment or the wrong receipt was provided. After the first claim was denied I was looking more closely at the transactions to determine which one went to my XXXX  and which didn't. I noticed that XXXX of the payments recipient is XXXX XXXX at XXXX  and the other is for XXXX XXXX at XXXX. Now when I look at my XXXX  recipients there are XXXX for XXXX  XXXX with email and XXXX without. I don't believe XXXX allows you to add sender without email or phone number so I'd like to know was that recipient automatically created after I previously submitted a payment to my XXXX  acct.? Or how did it become a recipient? On XX/XX/XXXX I was on the phone with chase for over XXXX hours. I spoke with XXXX different people XXXX from claims and XXXX customer XXXX and XXXX supervisors. They confirmed XXXX of the transactions did not have a zelle id which should have been my email address but they couldn't assist me so kept transferring me. If there is no XXXX  id than it could not have been sent to anyone. I was instructed to contact XXXX and when I did they told me they are not a bank and can not see transactions and that I have to contact the bank. I have spoken to XXXX XXXX and chase XXXX times. 

I attached XXXX files. XXXX is from chase XXXX coming out XXXX XXXX is from XXXX  XXXX coming in. XXXX and the other is from chase XXXX  recipients. ) You can see XXXX has an XXXX  id the other does not and the chase supervisor confirmed I could not have been able to create a recipient without email or phone number )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
I am filing a complaint against United Auto Credit regarding inaccurate and misleading credit reporting after a settlement agreement. On XX/XX/2025, United Auto Credit and I signed a settlement agreement for a total amount of {$8500.00}. XXXX required a {$500.00} initiation payment ( two {$250.00} payments made on XX/XX/2025 and XX/XX/2025 ) to activate the settlement and start my monthly payment plan toward the full {$8500.00} settlement amount. 

Despite this, XXXX continues to report the original full balance on my credit report, which is false and materially misleading. Their settlement letter states that once the settlement amount is received, the account will be marked as paid in full for less than the full balance. Their reporting contradicts their own written terms and violates the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB require United Auto Credit to either update the account to reflect the settlement terms and a {$0.00} balance upon settlement completion, or delete the account entirely if they can not verify accurate reporting. The ongoing inaccurate reporting is causing credit harm and violates FCRA obligations for accurate and complete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Credence RM is reporting a collection account in the amount of {$690.00} on my consumer credit report without ever providing lawful notice or proper validation of the alleged debt. I never received any written notice of this debt prior to it being placed on my credit report, which is a direct violation of FDCPA 1692g ( a ). This initial failure alone constitutes a statutory violation subject to up to {$1000.00} in statutory damages per action. 
I formally requested validation of this alleged debt well over 60 days ago, and Credence RM has failed to provide any documentation whatsoever to substantiate the accuracy, ownership, or legal enforceability of this account. Despite my timely request, Credence RM continues to engage in collection activity by furnishing and maintaining this tradeline on my credit report, which is a direct violation of FDCPA 1692g ( b ). Once validation is requested, all collection activityincluding credit reportingmust cease until proper validation is provided. 
Credence RM is also furnishing information it can not substantiate, in violation of FCRA 623 ( a ) ( 1 ) ( A ), and has failed to conduct a reasonable investigation after receiving notice of my dispute, in violation of FCRA 623 ( b ). Reporting an unvalidated telecommunications collection does not meet the maximum possible accuracy requirement mandated by FCRA 607 ( b ). 
For claritysince debt collectors often pretend not to understandlawful validation of a collection account requires, at minimum : Proof of legal ownership or complete chain of assignment from XXXX  The original service agreement or contract allegedly creating the debt A full itemized breakdown of the {$690.00} balance The Date of First Delinquency ( DOFD ) Documentation establishing Credence RMs authority to collect Accurate XXXX reporting, including proper dispute indicators Credence RM has provided none of the above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX around approximately XXXX ET, there was an offer by Capital One XXXX  by Capital One to receive {$400.00} cashback on purchase of XXXX XXXX XXXX once you click through their link and/or utilize their browser extension of which I did both ( see screenshots in document attached ). Unfortunately the offer did not track either still displayed under 'shopping trips ' or as ineligible under 'rewards & savings '' ( see screenshots in document attached ). On approximately XX/XX/XXXX I reached out to their customer service getting an instant rejection email that the inbox was not monitored ( see attached screenshot in document ). On XX/XX/XXXX, I alternatively get a follow-up response from the same email with an ambiguous message regarding the " Merchant 's return period '' being completed ( which doesn't make sense for an internet service ) or to wait 30 days. So assuming the merchant 's return period is the 15 day cancellation test period for XXXX XXXX XXXX, I reached out again on XX/XX/XXXX after the cancellation period to which I receive a response from XXXX that they can't move forward and to ambigously wait for " unitl after the posted holiday return policy is complete '' which there was no 'post ' anywhere or made any sense. On XX/XX/XXXX, I reached out again requesting escalation. XXXX responds on XX/XX/XXXX with lots of options that don't make sense ( see attached email ) in a form of gaslighting to confuse the consumer. I responded appropriately and now the response is to wait 90 days. There is no resolution and they have shown me that they continue to stall and there is no indication that there will be a resolution. Capital One XXXX  is notorious for not providing any terms or conditions on the links to click through. Lately their customer service has been trying to avoid making payments even when customer reach out to their offers not being tracked. For example, see XXXX XXXX XXXXXXXX or

Company response to consumer: Closed with monetary relief