vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2025 I received a pay from my boss for {$3700.00} from seller. Usually, when you get a XXXX, the money be available right away. But when I go back and check it, keep saying it's in my current balance. So I give them a call to see why I was in my current balance.And not in my available balance. So the lady that I started talking to, she just come out. And just start asking me all type of questions, personal questions about or what I was gon na do with the money. Why you still it looked like you're gon na take all the money and it's all recorded, she said a lot more things, but I just can't remember right now. But I actually, I said what my money was flagged for fraud or something. And she said, no, it's not really that. So I'm like, if it's that then you can just tell me you could have just said that from the beginning. So I give her my boss number to call. She keeps telling me my boss didn't answer. So I told her I wasn't gon na come down to the bank about my boss told me, don't go down to the bank. He said, call them back and give them my number again. So when I call back and try to get back to the department that I was at. It was a lady on the phone. Again she would not let me she's telling me I don't need to get back to that department. I don't need them all. I have to do is wait, and I'm telling her send me back to that apartment. She keeps telling me. I don't need to get back to that apartment. And then I finally got her to get me back to that department and talk to a cool dude who handled everything.But if you can get the the auto to that day. You won't understand what I'm saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: AZ

Complaint narrative:
This text is from Halsted Financial, a debt collector regarding your XXXX XXXX XXXX  ( XXXX XXXX  - for which the current creditor is XXXX XXXX XXXX ) account. XXXX XXXXhalstedfinancial.comXXXX XXXXXXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please see the attached document. Reply STOP to opt out. I have no idea who this company is never heard of them before they're trying to scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
Hello someone has been using my account to make transactions on XXXX. I have requested a block merchant and also requested a refund dispute from my bank. I have ordered a new card but still haven't received the card or the dispute update from Sofi bank. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
I received a letter from a law office stating that I am being sued over a alleged debt that Crown Assets Management claimed I owed which I have no knowledge of debt this company has failed to send me any documents of debt I have no contact with them whats so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Dear Dispute Resolution Team, I am submitting this letter in support of my chargeback request for a transaction with Freedom Weapons in the amount of {$790.00}, dated XX/XX/XXXX. 
I purchased XXXX XXXX XXXX XXXXXXXX suppressor. A delivery attempt was made ; however, the item was returned to the merchant due to issues on the merchants side. The item was never delivered to me. 
Beginning in XX/XX/XXXX, I made multiple good-faith attempts to resolve the issue directly with the merchant. I was informed that they were unable to complete the transfer due to an expired or renewing XXXX license . This condition persisted for several months. When I requested a refund due to non-delivery, the merchant refused. 
In or around XX/XX/XXXX, I was told the license issue had been resolved, but that the owner was hospitalized and they could not process my request. No transfer or refund occurred. 
As of today, I have not received the merchandise. The merchants phone number is disconnected, and they appear to be out of business. There is no viable method to resolve this matter directly. 
Because the merchant failed to deliver the product and is no longer responsive, I am requesting a full refund of {$790.00}. 
Thank you for your assistance in resolving this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to provide an explanation regarding a hard inquiry that appears on my credit report from XXXX XXXX XXXX This inquiry was made without my knowledge or permission and may be the result of identity theft. I have taken steps to protect my identity and have filed a report with the Federal Trade Commission ( FTC ) and/or local law enforcement. I respectfully request that this inquiry be removed from my credit report as it was not initiated by me.

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 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: IL

Complaint narrative:
I will start this off by declaring the debt they allege is mine does not belong to me, a transaction history is not proof or contractual agreement of the account being agreed to be opened in the first place. ADDITIONALLY, ACCORDING TO THE XXXX  CONSUMER ACCESS PORTAL, Firstsource advantage is incorrectly AND UNLAWFULLY trying to collect in the state of XXXX, it is a VIOLATION for firstsource to collect in the state of Illinois without the necessary licensing. and they call themselves 'professionals ' while doing so. this is a formal CEASE AND DESIST of ALL communications, INCLUDING XXXX MAIL COMMUNICATIONS! Additionally, their website 's dispute, login page and the portal will not even allow me to log in. If firstsource puts any accounts on my credit report without the proper signed contractual agreement, and/or license to collect in the state of XXXX, XXXX will be made to all necessary parties & buraus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am filing a formal complaint regarding improper and undisclosed interest charges on my CareCredit credit card account issued by Synchrony Bank. 

The original purchase balance was approximately {$1700.00}. I have consistently made on-time payments, often above the minimum, and I have not made any new purchases or used this card in nearly XXXX years. Despite this, my account now reflects over {$2100.00} in interest charge on purchases, causing my balance to increase rather than decrease. 

I was not clearly notified that deferred or retroactive interest would be applied in this manner, nor did I receive clear advance notice of any interest rate increase as required under the Credit CARD Act of XXXX. The account balance also reflects a negative balance adjustment, indicating possible payment misapplication or accounting errors. 

I contacted CareCredit and escalated my concerns to a supervisor, who refused to provide documentation or resolution and simply stated that I owe the amount, without addressing my billing dispute or providing proof of proper disclosures. 

I am formally disputing the accuracy and legality of these interest charges under the Fair Credit Billing Act and am requesting that Synchrony Bank be required to : Provide full documentation of all deferred-interest or promotional terms Provide an itemized calculation of all interest charges Correct my account balance if the charges can not be substantiated Cease adverse credit reporting related to the disputed amount I am seeking a full investigation and written resolution.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Winklevoss Exchange LLC
State: WI

Complaint narrative:
On XX/XX/year> I completed an application through the XXXX  app for a XXXX  XXXX XXXX. I went through the application process, I was notified I was approved, and given a credit limit. It had me do an identity verification, which was completed, and I received an email saying I was verified. It prompted me to choose my card and crypto reward. Once I tried to submit that, I got an error that there was trouble communicating with XXXX. I tried again and got an error that I was still pending verification. I shut down the app and reopened and now when I click the " Complete Card Setup '' button, nothing happens. Now I have an inquiry on my credit, and no way to use the card or complete the process.

I have submitted a ticket and reached out 4 separate times since I last received a response, with the last response coming 9 days ago. 

In addition, I applied for the card because of a promotional offer being run by XXXX  through a separate company called XXXX XXXX. The offer would credit me with a form of digital currency, ( keys ) in exchange for a successful application and card approval done through the XXXX  app. XXXX XXXX makes it clear, they are merely the processor for the reward ; they are not the one who approves it. That comes from XXXX. XXXX  runs the promotion through XXXX XXXX, XXXX  informs XXXX XXXX when a promotional offer has been completed. XXXX XXXX simply credits digital currency ( keys ) when a promoter notifies them of offer completion. 

With this in mind, I completed the steps exactly as XXXX  's promotional offer instructed and was notified of approval. However, because of the app glitch discussed above, XXXX XXXX is unable to verify completion of the offer and has been unable to reach XXXX  support to manually verify completion. 

This leaves me to believe XXXX  is running false promotions, advertising rewards that they do not intend to distribute, and is using the app " error '' as a means to avoid offer payment, despite a credit inquiry being made, approval being received, and a card being issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I closed on my home on XX/XX/25 with XXXX XXXX. I paid {$1000.00} on XX/XX/25 towards the principal. On XX/XX/25 my husband made a payment in the amount of {$1100.00} however the payment toward the principal. I called XXXX the next day to let them know the payment made on XX/XX/25 was misapplied as it must go to XXXX mortgage. The funds was applied accordingly. Fast forward a few weeks later I receive a letter stating my new lender would be freedom mortgage. I signed up for freedom mortgage and I show the principal is XXXX XXXXXXXX however XXXX has XXXX XXXX. I called XXXX  and was told they havent received the {$1000.00} payment. I called XXXX as was told everything was transferred. I requested for a case to be open however the case was closed as they stated the payment was returned for {$1000.00}. I called my bank which is XXXX  XXXX and was told the payment posted and also received confirmation that XXXX received the payment. Both banks has been making call each other for follow up and its very frustrating. Please see attached

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 2025-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year> Capitol one did a hard credit pull on my credit dropping my score significantly. Also the same day I received an email saying my capitol one credit card was on the way. I did not apply for a credit card. When I call and ask for information on the account they say they can not give me that information without verifying with them first. But the attempts to verify my information did not match the information they had on file. So someone created an account in my name with a different email. Also all XXXX credit bureaus say they can not dispute the hard credit pull

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and improperly reported bankruptcy information appearing on the credit file of XXXX XXXX. This letter serves as a notice of dispute, a demand for strict compliance with federal law, and a request for immediate corrective action.

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish or report information when there is a lawful and verifiable permissible purpose. You are hereby placed on notice that the bankruptcy information you are reporting lacks demonstrated permissible purpose and has not been properly verified as required by law.

Further, under 15 U.S.C. 1681q, any person who knowingly and willfully obtains or furnishes consumer information under false pretenses is subject to federal liability. Continued reporting of unverified or inaccurately attributed bankruptcy data may constitute reporting under false pretenses if proper authorization and verification can not be produced.

Additionally, pursuant to 18 U.S.C. 1028A, strict identity verification is required where information may be the result of misidentification or identity-related error. I dispute that this bankruptcy has been accurately matched to me, and I demand proof that the information reported has been verified through reliable and lawful means.

Under 15 U.S.C. 1681c-2, I am exercising my right to block the reporting of inaccurate information resulting from identity error or misattribution. You are required to block and remove this bankruptcy entry unless and until you obtain direct, documentary verification from the courthouse of record, confirming : My full legal name, XXXX Social Security number ( full or last XXXX digits ), My date of birth, and A certified match confirming I am the subject of the alleged bankruptcy. 
Verification through a third-party vendor, automated system, or database is not sufficient under the FCRA. Only direct verification from the court of record satisfies your statutory duty to ensure maximum possible accuracy.

If you are unable to provide such verification, you are required by law to immediately delete the bankruptcy entry from my credit file and provide written confirmation of its removal.

Please be advised that failure to comply with this request within the timeframes mandated by the FCRA will be documented and may result in further action to protect my rights under federal law.

I expect your prompt attention to this matter and written confirmation of the results of your investigation. 
Sincerely, 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 2025-12-31 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: TN

Complaint narrative:
I have a Venmo business account with an instant transfer of {$53.00} initiated on XX/XX/XXXX that has remained in pending status for over two months. The transfer was never completed or reversed, and my full balance still shows in the account, leaving the transaction unreconciled and restricting access to my funds. 

I contacted Venmo support multiple times to resolve this issue. The matter was escalated, but no resolution occurred. Venmo later stated that a security flag prevented bank transfers and advised using standard bank transfer, which is not available due to the unresolved pending transaction and account restrictions. 

This is not a bank-linking issue. This is an unreconciled instant transfer that Venmo has failed to complete or reverse. I am requesting ledger reconciliation, written explanation, and release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I am filing a complaint against BC Services , Inc., a debt collection agency, located at XXXX XXXX XXXX, XXXX, CO XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I mailed and emailed a written dispute to BC Services regarding medical debt they were attempting to collect. This dispute was sent prior to the statutory cutoff date of XX/XX/year>, and requested full validation of the debt. In my dispute, I clearly stated that I expected a written response within 30 days, as required under federal law. 

BC Services never responded to my dispute by mail or email and never provided written validation of the debt. 

Because I received no written response, no update, and no confirmation regarding the status of the disputed accounts, I contacted BC Services by phone on XX/XX/year>, solely to determine what had occurred with my dispute. 

During that call, a representative stated verbally that the accounts were sent back to the original creditor and that BC Services was waiting to hear back. However, I was not provided any written confirmation, dates, or documentation, and I have never received any written notice confirming that collection activity ceased or that the accounts were returned.

BC Services has failed to : Provide written debt validation after a timely written dispute Provide written confirmation that collection activity stopped Provide written confirmation regarding credit reporting status Verbal statements made months after a written dispute do not satisfy FDCPA requirements. The lack of any written communication or documentation has caused ongoing uncertainty and has prevented resolution of the matter. 

I am requesting that the CFPB require BC Services to : 1. Provide written confirmation of the status of the disputed accounts 2. Confirm whether and when the accounts were returned to the original creditor 3. Confirm that all collection activity and credit reporting has ceased 4. Comply fully with the Fair Debt Collection Practices Act going forward

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 2025-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: LA

Complaint narrative:
The original debtor Harlingen Anesthesia Associates, and this is the collection agency R.S Clark & Associates XXXX that I have knowledge of. XX/XX/year>. I need the original documents from Harlingen Anesthesia Associates ( validation ) to show that debt is mine in which it's not. Until verification is provided, cease collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I lived at XXXX apartments from XXXX XXXX XX/XX/year>. On XX/XX/year> I informed them I would be breaking my lease due to being XXXX XXXX military. I told them I was moving out XX/XX/XXXX and did so. They wouldnt allow me to break my lease and filed for eviction against even though I had already moved out. I hired a lawyer and the court found me at no fault since I legally have to right to move. After court the apartment complex still sent my debt to collections although the courts said I was not to owe them anything. 
I have court documents showing that the case was dropped.

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 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
A XXXX XXXX XXXX Comenity Bank credit card was placed in collections after charge-off in XXXX for {$1100.00}. 
The balance increased from {$1100.00} to {$2100.00}. 
I appeared in Massachusetts court in XXXX and was told the account would be resolved due to financial hardship. I was asked to submit a financial hardship form in which XXXX XXXX XXXX Comenity Bank and the collection agency refused to accept the form, despite the courts instruction. 
No judgment exists, yet collection and credit reporting continue with an inflated balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase refuses to reopen or appeal a disputed transaction despite new evidence.

Company response to consumer: Closed with explanation