vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I did XXXX dispute with Tb bank and both denied they didn't call the merchant they go by saying i know the trasanlsaction by login in like i explained everything i evern spoke to Merchant says that the bank can call and the would collaborate so Tb bank didnt even call them because if they would they would known is fraud the transaction are for weeks and total XXXX and my account is overdraft I have email from the merchant saying contact the bank so resolved the problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has my first initial instead of my first name on my credit card. I called them asking them to rectify it and they told me I need to send them proof of my name. I asked them to look up my application to check the first name I have on there to fix and they couldn't. I shouldn't have to send proof of my first name if they are the ones who made the mistake. I just need them to use the name I put on my credit card application.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
This letter serves as a formal dispute and demand for full validation of the alleged debt you claim I owe. I dispute this account in its entirety and refuse to make any payment until you provide competent evidence that I have a legal obligation to pay. Under the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692g, you are required to cease all collection activity until you provide proper validation of this alleged debt. Be advised that a computer-generated statement, screenshot, balance summary, or generic billing printout does NOT constitute proper validation. You are hereby demanded to provide ALL of the following : 1. The name and address of the original creditor 2. The complete account number associated with the alleged debt 3. A full accounting of the alleged balance, including : * principal * interest * fees * charges * payments 4. A copy of the original signed contract or application bearing my signature 5. Proof that you are legally authorized to collect in my state 6. Documentation proving your ownership or assignment of this alleged debt 7. A complete chain of title if the debt was sold or transferred 8. Proof that the alleged debt is within the applicable statute of limitations 9. Copies of any judgments associated with this account 10. Proof that you reported this account accurately under the Fair Credit Reporting Act You are further notified that : * Any continued reporting of inaccurate, incomplete, or unverified information to any credit reporting agency may constitute violations of the FCRA. * Any collection activity without proper validation may constitute knowing violations of the FDCPA. * Telephone contact is inconvenient and is hereby refused. All communication must be in writing only. * Failure to validate this alleged debt should result in immediate deletion of all related reporting from XXXX XXXX, and XXXX. If you can not provide the documentation requested, you must immediately : * cease collection efforts, * close the account, * and notify all credit reporting agencies to permanently delete any reference to this alleged debt. Be advised that I am carefully documenting all correspondence and potential violations for complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney Generals Office, as well as potential civil action. I expect your complete response within 30 days of receipt of this notice. I reached out to all 3 bureaus XX/XX/year> and NO RESPONSE WHATSOEVER!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: TX

Complaint narrative:
I am submitting this formal complaint regarding an unresolved billing and transaction-posting dispute involving my Capital One Spark XXXX XXXX account ending in XXXX, held under XXXX XXXX XXXX XXXX XXXX The dispute concerns a {$4900.00} XXXX XXXX that posted to the account on XX/XX/year>. Based on the XX/XX/year> statement and online banking records, this adjustment was processed as a debit transaction under my cardholder activity rather than as a credit, refund, or neutral internal adjustment. Consequently, this posting directly increased the outstanding balance owed on the account. Prior to this posting, Capital One issued a refund check to resolve a pre-existing credit balance on the account. That refund should have concluded the credit-balance issue. However, Capital One subsequently added the exact same {$4900.00} back to the account under the XXXX XXXX label. To date, Capital One has not provided a clear written explanation establishing why this amount was properly owed again under the account terms or Capital Ones records, or why it was processed as a balance-increasing transaction. I have made good-faith efforts to resolve this directly with Capital One : * XX/XX/year> at approximately XXXX XXXX : My office spoke with XXXX, a Capital One supervisor. Reference number : XXXX. * XX/XX/year> : My office spoke with XXXX, who opened a formal investigation. Case number : XXXX, with a stated expected turnaround of approximately four days. Despite these formal escalations, the issue remains unresolved or inadequately explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
My cashapp was fraudulent hacked and someone accessed my account to get a total of XXXX dollars but cashapp denied my dispute saying that the payment was authorized using a security lock feature but when my account was being hacked into I received an email from cashapp stating that my security locks setting have been changed that my pin was no longer required to send money so how was that possible if it was changed. I never had a problem until this then this person is no where in my cashapp history after I was able to freeze that card they tried to withdraw money from my XXXX XXXX account. I really need my hard earned money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I dont know what came about the hotline and the branch that was supposed to take care of my loan. Everything was fine and all of a sudden the branch that was taken care of my loan said that they dont know why the people I first spoke to didnt finish up the loan and now all of a sudden I have to come into the branch. I then try to call the hotline back to speak to the representative that had helped me before just to be block by a woman name XXXX. I dont know why she keeps trying to avoid me speaking to the representative so I waited a whole day and just my luck this XXXX lady picks up the phone again. This time she acts like she dont know whom I want to talk to and keep refusing to transfer my call. I dont know whats going on, but I feel some kind of bias is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Management Group, Inc. (GA)
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: Klarna AB
State: PA

Complaint narrative:
I put a balance of {$380.00} into my Klarna Balance on XX/XX/XXXX. I added this money via a linked debit card. The same day i tried to withdraw my balance into my bank account by entering my routing and account numbers only to be met with an error message saying We couldn't add this bank account. Check the details or Connect bank account There was also triangle caution icons next to both numbers. I tried to connect my account their alternate way via XXXX and was still denied. I tried to use the same debit card i topped up with to withdraw and was again, not allowed. After calling klarnas customer service number 3 different times on XX/XX/XXXX and being told by each associate the same things ; they tried to get me to troubleshoot the issue in app saying things like try topping up to add to your card and when i told them it wouldnt accept my bank info they just had me go through the troubleshooting process i had already gone through multiple times before. I also requested a manual transfer of my funds which they told me that you needed to connect your bank despite the app preventing it and me making this clear multiple times. The last guy said there could be a suspicious activity hold because of failed foreign purchases and to wait 72hrs, which i did and still no difference. I am still receiving the same error message when i enter my banking info. Since the top up of {$380.00}, i tried to use the klarna debit card on XX/XX/XXXX to buy gas to test if my money was entirely frozen. The card did allow the purchase to go through making my remaining balance in the app {$360.00}. I am still unable to withdraw the money to my bank account despite it letting me spend it through klarnas debit card. After my final phone call i received email correspondence from one real individual named XXXX on XX/XX/XXXX who in short said they had received my complaint, there could be a hold to suspicious activity, walked me through the same linking steps as the 3 previous associates and then never responded to my email to him. Instead i received an automated email and no further resolution has come of this. I double checked that my banking info is correct which suggests a backend block not a user error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHACON AUTOS, LTD.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Rocket Mortgage : Additional money totaling {$1800.00} was quoted and appears to be charged as part of closing costs for credit card payments. I explained to the lender extensively that there were funds to cover the credit card costs and that historically payments have been made habitually without interest accrual. Payments were already scheduled per due date. My credit rating reflects diligence. ( Also, credit score from lender was nearly XXXX points lower then listed by 3 credit rating companies via XXXX XXXX ). Ive also reached out to the title company Transnation for an explanation/transparency/and what is the plan? As of XX/XX/year>, no money has been paid to any credit cards. Closing was on XX/XX/year>. Its inappropriate to condemn someone for a hypothetical outcome when an individual has proven to be financially responsible. I would have preferred to have {$1800.00} in my account to actually pay my statements instead of the money being held by the title company. Why should they make interest off of my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided. Given that you claim to be the " owner '' or " authorized collector '' of this debt, you are legally required to present the following documents for your claim to be considered valid : THE FOLLOWING IS REQUIRED : 1. Original Signed Contract Physical, legible proof of the original contract signed by me, establishing the obligation with the original creditor. 2. Full Chain of Title All assignments, conveyances, and transfers from the original creditor to your entity, dated and signed 3. Proof That You Are the " Holder in Due Course '' Pursuant to the Uniform Commercial Code ( UCC ) Articles 3 and 9, you must demonstrate that you currently hold the legal right to collect this debt not merely an unsupported assignment. 4. Pooling and Servicing Agreement ( PSA ) If this debt has been securitized, the complete PSA is required, along with the Schedule of Assets specifically identifying the debt you claim to be collecting. 5. Detailed Debt Itemization Pursuant to 12 CFR 1006.34 ( c ) ( 2 ) and the amended FDCPA, this must include : Original principal balance- Interest charges applied- Fees, penalties, and additional charges Payments made, if any

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Hi Team, When I opened this account, I was clearly informed by Value City that it would be a XXXX interest promotional card ( function the same way as my Rooms To Go ) Synchrony account specifically, * * no interest would be charged * * during the loan period. At no point did Value City or Synchrony communicated that interest would accrue, nor was I notified by synchrony that a 34.99 % APR would be applied, which is extremely high. If the disclosure would have been appropriate I would have not opened the Value City card in the first place. Value City card represented Synchrony Bank and has mislead and misrepresented promotional financing to get more sales. Despite this, I have now been charged interest for XXXX and XXXX ( I am not able to see the XXXX statements online ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX , which is both unexpected and financially burdensome. A 34.99 % interest rate is extremely high and applying it without clear disclosure is not consistent with fair lending or transparent communication. Given the circumstances, I respectfully request that Synchrony * * reconsider the decision * * and * * waive the interest charges * * that were added to my account. I have been a responsible customer across on all my other synchrony cards, and this situation arose solely due to the lack of proper communication regarding interest terms. All my other synchrony accounts are inline and dues are always paid on time. I am writing to formally state that I was * * not satisfied * * with the rejection of my dispute on my Value City card by Synchrony Bank which was a misrepresented interest charge as described in claim number XXXX from Synchrony Bank. Would appreciate if you could help me resolve the matter and really appreciate your involvement. Regards 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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
This letter serves as a formal dispute and demand for full validation of the alleged debt you claim I owe. I dispute this account in its entirety and refuse to make any payment until you provide competent evidence that I have a legal obligation to pay. Under the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692g, you are required to cease all collection activity until you provide proper validation of this alleged debt. Be advised that a computer-generated statement, screenshot, balance summary, or generic billing printout does NOT constitute proper validation. You are hereby demanded to provide ALL of the following : 1. The name and address of the original creditor 2. The complete account number associated with the alleged debt 3. A full accounting of the alleged balance, including : * principal * interest * fees * charges * payments 4. A copy of the original signed contract or application bearing my signature 5. Proof that you are legally authorized to collect in my state 6. Documentation proving your ownership or assignment of this alleged debt 7. A complete chain of title if the debt was sold or transferred 8. Proof that the alleged debt is within the applicable statute of limitations 9. Copies of any judgments associated with this account 10. Proof that you reported this account accurately under the Fair Credit Reporting Act You are further notified that : * Any continued reporting of inaccurate, incomplete, or unverified information to any credit reporting agency may constitute violations of the FCRA. * Any collection activity without proper validation may constitute knowing violations of the FDCPA. * Telephone contact is inconvenient and is hereby refused. All communication must be in writing only. * Failure to validate this alleged debt should result in immediate deletion of all related reporting from XXXX XXXX and XXXX If you can not provide the documentation requested, you must immediately : * cease collection efforts, * close the account, * and notify all credit reporting agencies to permanently delete any reference to this alleged debt. Be advised that I am carefully documenting all correspondence and potential violations for complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney Generals Office, as well as potential civil action. I expect your complete response within 30 days of receipt of this notice. I reached out to all 3 bureaus XX/XX/year> and NO RESPONSE WHATSOEVER!

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 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Selene Finance force-placed homeowners insurance on my policy despite the fact that I already pay for my own insurance. I verified my insurance with the insurance department in XX/XX/year>, but they paid for insurance in XXXX anyway. They started adding it to my mortgage payment in XXXX. I have been attempting to remove the escrow since XXXX- by email and phone call. I am unable told they are working on it, but the charge persists.

Company response to consumer: Closed with explanation