vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a formal complaint against Capital One for blatant and repeated violations of the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.11 ). I filed a dispute ( Case # XXXX ) for a {$140.00} merchant fraud transaction involving carrier forgery. I provided irrefutable evidence : a Federal XXXX Mail Fraud Report ( # XXXX ), a signature comparison proving forgery, and my university attendance record proving I was physically in class at the exact time of the alleged delivery. Despite this, Capital One has committed the following regulatory violations : Failure to Provide Provisional Credit : It has been well over 10 business days since my formal notice. Capital One refused to issue the mandatory provisional credit, falsely claiming that I must " wait 90 days for the merchant 's rebuttal. '' The merchant 's network timeline does not override my federal rights under Reg E. Refusal to Provide Written Explanation : During a recorded phone call on XX/XX/year>, I spoke with a Consumer Protection Supervisor named " XXXX. '' He stated my claim was not eligible for provisional credit. When I explicitly requested the specific reason and written explanation as legally required by 12 CFR 1005.11 ( d ), XXXX XXXX explicitly refused, stating he " can not share that information. '' Allowing Merchant Retaliation : Because Capital One has unlawfully delayed this resolution, the merchant ( XXXX ) is now retaliating by holding a separate, unrelated refund of {$98.00} XXXX until this Capital One dispute is closed. Capital One 's negligence is causing me direct, compounding financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
This is a direct notice to TEKCOLLECT to cease and desist all communication with me effective immediately regarding any alleged account tied to my name. I am exercising my rights under the FDCPA, 15 U.S.C. 1692c ( c ). You are not authorized to contact me in any way no phone calls, no emails, no letters, and no contact through third parties. This includes any attempt to indirectly reach me or continue collection efforts under a different approach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am writing to file a formal complaint against Portfolio RecXXXXvery Associates , LLC ( " PRA '' ) for violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., in connection with two XXXX XXXX XXXX. accounts. Account XXXX : XXXX XXXX XXXX. ending in XXXX, balance claimed {$970.00} Account XXXX : XXXX XXXX XXXX. ending in XXXX, balance claimed {$600.00} On XX/XX/year>, I sent PRA a formal written Demand for Debt Validation and Chain of Title via certified mail, requiring production of seven categories of documentation including the original signed credit agreement, a complete chain of title showing every assignment from XXXX XXXX XXXX. to PRA, the exact date of last payment, charge-off date and balance, complete account statements, the purchase price PRA paid for the accounts, and proof of PRA 's New York State debt collection license. This letter was delivered to PRA 's office on XX/XX/year>, as confirmed by United States Postal Service certified mail tracking records. Under 15 U.S.C. 1692g ( b ), upon receiving a written validation dispute, a debt collector must immediately cease all collection activity, including credit bureau reporting, until the debt is verified and verification is mailed to the consumer. PRA violated this requirement in two ways : First, PRA responded on XX/XX/year> XXXX days after receiving my detailed demand with boilerplate form letters that produced none of the seven categories of documentation demanded. For Account 5883, PRA sent a statutory statute of limitations disclosure that explicitly states : " your creditor or debt collector will NOT sue you to collect this debt. '' This constitutes PRA 's own written admission that the statute of limitations has expired and it has no legal remedy on this account. For Account 1559, PRA acknowledged my communication but directed me to submit a separate substantiation request producing no validation documents whatsoever. Second, and more critically, PRA updated both accounts with TransUnion after receiving my validation demand Account XXXX on XX/XX/year> and Account XXXX on XX/XX/year> in direct violation of 15 U.S.C. 1692g ( b ) 's requirement to cease all collection activity pending validation. Both accounts were reported with the remark " Dispute resolved ; customer disagrees, '' which is a false and misleading representation under 15 U.S.C. 1692e, as PRA never resolved anything it produced XXXX validation documents. These post-demand credit bureau updates caused an XXXX drop in my TransUnion credit score, constituting actual damages. I am requesting that the CFPB require PRA to : ( 1 ) immediately delete both tradelines from all consumer reporting agencies ; ( 2 ) provide written confirmation of deletion ; and ( 3 ) cease all collection activity on both accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Revolut Technologies Inc.
State: IN

Complaint narrative:
I had a Revolute card for about XXXX week and found it to be not at all what I expected. I tried to terminate the account but the prompts that you receive on the app are not user friendly and I swear that they change to make sure that you can not achieve success. I found on their literature on line that to close your account all you had to do was to send them an email. I have done this for over XXXX months and they still have not closed my account. Then they asked me for information that they already had, it was then that I thought that this company had some other agenda and I deleted the app from my phone but they still have my card attached with it. My next step, this week, is to change my debit card but I should not have to go through all this troubl just to have them close my account which they refuse to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am submitting this complaint because a collection account for {$1000.00} is being reported by IQ Data XXXX in connection with XXXX XXXX TX, and I dispute that this debt belongs to me. The account was opened on XX/XX/year> and is also being reported as a joint obligation, which I dispute as inaccurate. I reviewed my credit report, found this collection account, and took action to dispute it. I requested that the account be investigated and that the companies verify that the debt is mine, that the balance is accurate, and that the joint designation is correct. I also requested deletion of the account if it could not be verified. The account continues to be reported even though I dispute both the ownership of the debt and the accuracy of the way it is being reported. I want the companies involved to conduct a proper investigation and provide competent documentation showing that I am legally responsible for this debt. If they can not verify that this debt belongs to me and that all reported information is accurate, the account must be deleted from my credit report. I am requesting immediate correction or deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
I took out a payday loan with SpeedyCash and have since repaid the substantial majority of the original amount borrowed. Based on my records, approximately {$580.00} of the original principal remains ; however, the total balance the company is claiming is higher due to added fees and/or interest. Due to financial hardship, I contacted the company in XX/XX/year> to request a written repayment plan or a reduced settlement amount to resolve the remaining balance. I also clearly requested that all communication be conducted in writing and revoked authorization for electronic withdrawals from my bank account. The company responded by directing me to call them instead of addressing my request in writing. I followed up and reiterated my request for written communication and a resolution option. The company then stated they would limit communications to legally required notices but did not provide any response addressing repayment or settlement options. Despite my attempts to resolve the account in good faith, I have continued to receive payment reminders indicating past due and current amounts owed, without any effort by the company to provide a reasonable resolution or respond to my requests. I am seeking a fair resolution, such as a reduced settlement amount or a structured repayment plan on the remaining balance with fees and interest suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am submitting this complaint as an escalation regarding my Apple Card account issued by Goldman Sachs Bank USA. I previously disputed multiple transactions on my account that I did not authorize. Some of these transactions appear to have occurred in a foreign country ( XXXX XXXX ), where I have never traveled. These transactions do not align with my known activity or travel history. Despite my disputes, Goldman Sachs maintained the charge-off status and reported negative information to the credit reporting agencies. I have since entered into a settlement agreement in good faith to resolve the balance, not because I agree with the validity of the debt, but because I am attempting to rebuild my financial life. I am currently experiencing severe hardship. I recently lost my residence due to a fire and I am now in a shelter. Despite these circumstances, I have begun making payments under the settlement agreement in order to resolve the account responsibly. I also request that this complaint be reviewed in light of the XX/XX/year> enforcement action by the Consumer Financial Protection Bureau, which found that Goldman Sachs failed to properly investigate disputes and, in some cases, reported inaccurate information to credit bureaus. Given these circumstances, I am requesting the following : - A thorough and documented reinvestigation of the disputed transactions, including review of device authorization logs, IP address data, and merchant verification records- Correction of any inaccurate or incomplete credit reporting associated with this account - As a goodwill adjustment, removal of the charge-off status or deletion of the account from my credit reports with XXXX XXXX XXXX XXXX I have provided supporting documentation, including identification, transaction history, and available travel information, to assist in this review. I am making every effort to resolve this matter in good faith and rebuild my life after significant hardship. I respectfully request that Goldman Sachs take appropriate action to ensure fair and accurate reporting. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
This is a complaint against the Bilt credit card. The main attraction of this card was the ability to reap rewards upon making a mortgage payment. On XX/XX/XXXX, I initiated a mortgage payment in the amount of {$5300.00} for the benefit of my mortgage servicer, XXXX XXXX XXXX XXXX XXXX XXXX. The payment was made via the Bilt website. Once that payment was initiated, Bilt would then pull the corresponding amount of funds from the linked checking account ( XXXX XXXX, my bank ) and make a payment to XXXX. XXXX. Funds were pulled from my XXXX XXXX account on XX/XX/year>. On XX/XX/year>, I received a text message from Bilt that said as follows : " XXXX XXXX, its Bilt. Your mortgage payment of {$5300.00} has been accepted by XXXX XXXX XXXX and will be reflected in your online payment portal within 2 business days. '' I expected that mortgage payment to reflect in the mortgage provider portal by XX/XX/year>. Several weeks went by and there was no payment reflected on my mortgage provider portal. I made a number of inquiries to my mortgage provider and was told that they have no record being made. Since XX/XX/XXXX, I have been unsuccessfully trying to communicate with someone at Bilt customer service. I reached out via an email on XX/XX/XXXX and was promised speedy resolution to this issue. If they said that Bilt made the payment, I asked for that payment to be traced and give me the evidence of where it ended up since it did not get to the designated mortgage servicer. The communication was extremely unhelpful, with multiple apologies and no resolution. As as result, I reached out to my bank, XXXX XXXX and asked that they reverse the payment that was pulled by Bilt on XX/XX/year>. XXXX XXXX returned funds to me on XX/XX/year>. Meanwhile, I have not heard from anyone at Bilt as I continue to ask for proof where they sent my mortgage payment. Upon the reversal of the transaction, I should have been whole. Unfortunately, I received another communication from Bilt, now saying that since they made my mortgage payment, which I am continuing to dispute, I now owe them the amount the XXXX XXXX returned to me, {$5300.00}. They gave me 7 days from Friday, XX/XX/year>, to pay that bill. In a nutshell, they lost the payment that I entrusted to Bilt, have been unhelpful in finding where the funds have gone and will now put me in collections, if I do not reimburse them for {$5300.00}. Once I make that payment, I will be short {$5300.00}. How can I compel Bilt to trace the money and if they did not get to the proper destination, pull those funds back. Meanwhile, I closed my credit card with this provider but remain ( XXXX ) on the hook for my mortgage payment that Bilt lost. What are my remedies?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TN

Complaint narrative:
As of XXXX of XXXX I was no longer a XXXX XXXX customer. At that time all outstanding charges were taken care of. In the last 2 years I have had multiple collection agencies try to collect on a XXXX XXXX balance but none of them can provide proof of an outstanding balance. Every prior occurrence was disputed and deleted from my credit report as this is not a valid collection. I have disputed another attempt at collection with XXXX and XXXX XXXX XXXX, and am being told it is not being removed from my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Subject : Unauthorized Electronic Fund Transfers Dispute with Navy Federal Credit Union Complaint : I am filing a complaint regarding unauthorized electronic fund transfers from my debit card account that were improperly denied by Navy Federal Credit Union. On XX/XX/year>, I made a single purchase after clicking on a sponsored advertisement on XXXX. The advertisement directed me to a website ( rylleybay.com ), where I agreed to purchase one item for {$44.00}. I authorized ONLY this one transaction. Shortly after, on XX/XX/year>, XXXX additional charges were processed on my account totaling {$910.00}. These charges were : {$430.00} {$320.00} {$82.00} {$75.00} These transactions were NOT authorized by me. Additionally : These charges were processed under different billing descriptors than the original purchase. The merchant only recognizes XXXX order ( # XXXX ) for {$44.00}. The merchant refunded only the {$44.00} transaction, confirming that no other purchases were made or authorized. This clearly demonstrates that the additional {$910.00} in charges were not associated with any legitimate purchase and were unauthorized. I reported the fraud to Navy Federal Credit Union immediately after noticing the charges. Initially, I was credited ; however, the bank later reversed the credit and claimed that I authorized the transactions simply because I entered my debit card information. This conclusion is incorrect. My authorization was limited strictly to a single transaction of {$44.00}. The additional charges exceed the scope of my consent and qualify as unauthorized electronic fund transfers under Regulation E. Despite submitting a dispute and waiting approximately XXXX months for investigation, my claim was denied, and I was told no further action would be taken. I am requesting that Navy Federal Credit Union : Reopen the investigation into these unauthorized transactions Reimburse the {$910.00} in unauthorized charges Provide documentation showing how these additional transactions were determined to be authorized I have attached supporting documentation, including : Proof of the original purchase Refund confirmation for the single authorized transaction Bank transaction records showing the unauthorized charges Screenshot of the advertisement that led to the purchase These documents clearly show that only one transaction was authorized and that the remaining charges were fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
In XXXX or thereabouts, during the process to procure a mortgage, I had to get my student loans out of default so I submitted a loan consolidation request with my loan servicers, XXXX and XXXX. I asked that all loans, XXXX and XXXX, be consolidated. I received a notice saying that they were. Years later, I get a notice that my loan is again in Default. Turns out, one random XXXX loan was left out of the consolidation. For the last 3 years I have contacted both servicers, by chat, email, and phone and submitted multiple consolidation requests to no avail. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP
State: MN

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint regarding the handling of my mortgage assumption application and the inconsistent information I have received during the review process. I applied to assume an existing mortgage and have worked cooperatively with the lender throughout the process. During my discussions with the mortgage processor, I was initially informed that my income qualified for the assumption. However, near the end of the process, I was then told that my income did not qualify. Despite this reversal, I was subsequently informed that the file would still be forwarded to underwriting. This sequence of events raises several concerns : I was initially told that I qualified based on my income Later, I was told that I did not qualify Despite being told I did not qualify, the application was still sent to underwriting Additionally, I have an excellent credit profile, with a credit score of approximately XXXX. According to Experian, this places me ahead of approximately 98 % of consumers in the United States. Last year I had income of {$94000.00}. I have almost {$150.00} in savings twice the amount left to be paid on the mortgage. Given this strong credit history, the inconsistent qualification determination is particularly confusing. I am concerned that the qualification standards may not have been applied consistently, or that the process may not have been handled appropriately. I am requesting : 1. A clear explanation of the qualification criteria used 2. An explanation for the conflicting information provided by the processor 3. Confirmation that my application will receive a fair and complete underwriting review 4. Assurance that all applicable mortgage assumption regulations and servicing requirements have been followed I respectfully request that this matter be reviewed and that I receive a written explanation of the lender 's determination. Thank you for your attention to this matter. I look forward to your response. Sincerely,

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