vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Why do these go nowhere? I have filed a complaint before with CFPB and got nothing. I will mention this in court as I litigate Care Credit in XXXX  XXXX. 

I initially go this card with a {$16000.00} credit limit. I used some and paid it off before the interest came due. I think this made the executives not very happy and I believe the rest of their actions against me have been retaliatory. 

Right after I paid it off, without having to pay the interest, they dropped my limit to {$10000.00}. So, if I adhere to their own rules, my credit limit is dropped. This also negatively affected my credit of perfect payments since 2022. 

XX/XX/XXXX, Care Credit decided now I was worthy of NO credit as they closed my account. I am now not worthy of a dime from Care Credit and my payment history is XXXX XXXX on time with ALL Credit cards and Loans, with a better credit score now then when Care Credit gave me a {$16000.00} limit. 

The reasoning was : XXXX. Inactivity. So, I wasn't using it enough, they decided it was more profitable to cancel it then to just let it sit in case I need it. This is the reason we have credit cards for emergencies, and Care Credit has decided this is not good enough, you need to use the card regularly and make them money. XXXX. My credit report, through TransUnion only. I checked and Transunion shows all my cards, all my loans are " Paid as Agreed ''. NO Late payments. 

My credit score with XXXX  as of XX/XX/XXXX, was XXXX, my payment history with every card, every loan, made perfect, since my bankruptcy in XXXX. 

My company is a small XXXX  owned XXXX contracting firm. As a XXXX our cashflow is up and down. I have used my credit cards, which is my right to, and my payment history is perfect. 

I think this action against me by Care Credit is arbitrary, retaliatory, damaging and unfair. 

I found their physical address online and will serve the Lawsuit papers upon filing them with the court, for Defamation, Arbitrary unwarranted actions, Economic Damages, Reputational Damages and others as determined to be prudent. 

I would like action on this, I have no interest in throwing this down a well any longer. 

Thank you,

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 — Store credit 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
This letter serves as a formal dispute and demand for permanent removal of the unauthorized charge in the amount of {$510.00} from XXXX associated with Case # XXXX. 
This transaction was not authorized, initiated, or approved by me. I did not make this purchase, nor did I authorize any individual to do so on my behalf. This charge is fraudulent and has been formally reported. A police report is attached as supporting documentation. 
Despite this, your institution removed and later reinstated this fraudulent charge more than one year later, which has negatively impacted my consumer report and credit standing. Additionally, New disputes created were closed within approximately 12 hours, allowing no reasonable time for proper investigation, despite the availability of complete documentation.

Your failure to conduct a good-faith investigation and your reinstatement of a known fraudulent charge constitute a violation of your obligations under consumer protection and fair credit reporting standards. 
You are hereby formally requested to : 1. Immediately and permanently remove this charge from my account 2. Correct any negative reporting associated with this transaction 3. Provide written confirmation that this matter has been fully resolved All necessary documentation has already been provided to support this claim. No further delay is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I am formally filing this complaint regarding an issue I am having with a creditor I did business with, in the past. The name of the company is called " TD Bank ''. The issue in this matter is that they are obstructing my right to access my service agreement with them to assess contract terms and so that I can informally make proper decisions when it comes to my past consumer credit transaction with TD Bank. I previously filed a complaint against TD Bank on or about XX/XX/XXXX regarding a request for a copy of the original contract with TD Bank. This is my 3rd request to have them adhere to my request and demand so that I may exercise my contractual rights. Per the last CFPB complaint I filed against TD Bank, TD Bank instructed me to go through their company 's own procedural steps in order to obtain a copy of my original service agreement with them. Even though this is not a requirement under TILA, I followed their instructions. I mailed a request for a full copy of the contract, terms, and updated addendums, that includes any dispute resolution provisions on or about XX/XX/XXXX, and TD Bank received my letter on or about XX/XX/XXXX. I was also required to go out of my way to have the request notarized for " verification purposes ''. Today it is XX/XX/XXXX, and I have yet to receive any correspondence regarding my request. I have only been met with silence in this. I have been waiting for a response for approximately 50 days. TD Bank is obstructing my right regarding the informed use of credit under the Truth In Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TEXAS CAPITAL BANCSHARES, INC.
State: NV

Complaint narrative:
I had a cd that matured on a sunday with monday being a holiday. The bank could have journaled the money over to my online savings account on that sunday.But they choose not to because it's not in their favor they have access to my funds 2 days without paying me money for them funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: NC

Complaint narrative:
Global Lending 1. Debt Validation Letter - XXXXXXXX  XXXX. Re-aging letter - XXXXXXXX  ( ignored ) XXXX. Dispute Letter - XXXX ( ignored ) 4. Dispute Letter - XXXX ( XXXX. Re-aging letter requiring proof of removal - XXXX ( ignored ) 6. Letter to agencies re : Global Lending - XXXX XXXX. Multiple emails to Global Lending offering to negotiate lower payoff amount 8. Multiple email from Global Lending offering to settle A Message from Global Lending Services : We are currently offering several solutions to help our customers resolve their remaining balances and/or pay down their accounts. You are eligible to settle your remaining balance of {$9300.00} for {$3700.00}. This is 40 % of your current remaining balance. 

If you are not able to pay off your remaining balance today, then you also have the option to receive a partial payment match from XXXX on any payment made. 

To help you take advantage of these opportunities, we have a team of associates who can be reached by calling XXXX. 

Our hours of operation are Monday through Friday from XXXX XXXX  to XXXX XXXX  XXXX and XXXX from XXXX XXXX  to XXXX XXXX EST. To respond in writing, our mailing address is : Attention : Customer Relations XXXX XXXX XXXX XXXX, SC XXXX Global Lending Services LLC XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: FL

Complaint narrative:
On [ XX/XX/year>XXXX  ], I noticed unauthorized transactions on my Capital One debit card totaling {$23000.00}. These transactions were part of a single, continuous fraud event, not isolated incidents. Despite initially reporting these fraudulent charges, Capital Ones original investigation did not cover all the unauthorized transactions. Capital One later acknowledged that some transactions were excluded and opened a new claim for those previously missed transactions. 

I continue to dispute the denial of the remaining unauthorized transactions and request a full reconsideration under Regulation E, which mandates that all unauthorized transactions stemming from the same compromise be fully investigated.

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 enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing a second complaint regarding a collection account being reported by Pro Collect because, as of today, XX/XX/XXXX, I still have not received any validation or documentation for this alleged debt. This account was first disputed in XX/XX/XXXX, and Pro Collect claimed in its CFPB response dated XX/XX/XXXX, that it would mail proof of the debt to me. That never happened. 
I have never received a debt validation notice, a bill, an account statement, or any documentation identifying the origin of this debt. I do not even have an account number associated with this collection. The first time I ever became aware of Pro Collect was when the collection appeared on my credit report. I was never notified by mail or otherwise before it was reported, and I was never given the opportunity to dispute or validate the debt prior to the damage being done to my credit. 
If Pro Collect had proper validation back in XX/XX/XXXX, there is no reason it could not have been provided then or attached to its CFPB response. Claiming that documentation exists while failing to actually produce it for over six months is not compliance it is obstruction. Reporting a debt without providing validation, while continuing to furnish it to the credit bureaus, is unlawful. 
I have since researched Pro Collect and found FTC complaints against this company for similar conduct. Based on their continued failure to provide validation, I am also preparing to file a complaint with my XXXX Attorney XXXX office. 

Pro Collects actions violate multiple federal laws, including but not limited to : FDCPA 1692g ( a ) Failure to provide a written debt validation notice within five days of initial contact FDCPA 1692e False and misleading representations by implying a valid debt exists without proof FDCPA 1692f Unfair collection practices FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information without reasonable grounds to believe it is accurate FCRA 623 ( b ) Continuing to report a debt without conducting a reasonable investigation after dispute Failure to provide validation is a clear statutory violation and exposes the collector to statutory damages of up to {$1000.00}, in addition to actual damages and attorneys fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: UT

Complaint narrative:
I have requested the following specific information from Kraken ( Ticket # XXXX ) which remains unaddressed : Explanation of Policy Override : I requested an explanation of how a withdrawal was authorized on XX/XX/2025, in direct violation of Krakens mandatory 7-day withdrawal hold for ACH/Plaid deposits. 
Audit of Authorization : I requested the specific authorization IDs and internal timestamps for both the {$4300.00} deposit and the subsequent withdrawal. 
Ledger Export : As my account is currently restricted, I requested a full Ledger Export for XX/XX/XXXX to verify transaction details, which Kraken has not provided. 
Clarification of Liability : I requested that Kraken acknowledge their system error and explain why I am being held liable for a negative balance caused by their failure to enforce their own security protocols Please see the attached Ledger highlights doc, i have circled the XX/XX/XXXX Deposits and withdrawals. The Ledger shows a balance of {$0.00} immediatly following the withdrawal, confirming that kraken failed to hold the ACH funds as required by their own security policy.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/year>, Ally Bank closed my checking and savings accounts without providing any reason and withdrew all of my funds, totaling over {$5000.00}. I was not given prior notice or explanation for the account closure. 

When I contacted Ally Bank, I was told they could not disclose why the account was closed and that my funds would be sent via check in the mail within XXXX business days. I explained that I had no access to any of my money and requested an overnight check or a wire transfer due to the hardship this caused. Ally Bank declined to overnight the check and stated someone would contact me regarding a wire transfer, but no one ever did. 

Ally Bank claims the check was mailed on XX/XX/year>. As of XX/XX/XXXX, XXXX days after my account was closedI have still not received my funds. I have contacted Ally Bank at least XXXX times requesting a tracking number or alternative method to receive my money, but they have been unable or unwilling to provide any resolution. 

This situation has caused significant financial distress, as Ally Bank continues to withhold access to my own money without explanation. I am requesting immediate release of my funds and accountability for the delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 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: IL

Complaint narrative:
I am filing a complaint against Capital One for failing to properly investigate and resolve a debit card dispute, and for failing to provide documentation or an opportunity to rebut their decision, in violation of their obligations as a financial institution. I disputed a debit card transaction after XXXX delivered my items to an incorrect address. XXXX initially acknowledged the issue and promised a refund. Despite this, the refund was never issued. 

Capital One did not conduct a reasonable investigation of my dispute. Instead, I received an email stating : We requested additional information from you and either didnt receive a response, or didnt receive all the info we asked for. The records we were able to review show the transaction is valid. Capital One did not clearly specify what additional information was requested, did not provide proof that such a request was sent, and did not provide me with any documentation or evidence they relied upon to determine that the transaction was valid. I was not given a meaningful opportunity to respond or rebut their findings. Capital One also stated : We are unable to reach the merchant to resolve this dispute. You can contact the merchant to attempt to resolve. This response is unacceptable. As the bank that issued the debit card, Capital One has a legal obligation to investigate disputed transactions and can not shift that responsibility to the consumer, especially when the merchant is unresponsive. The failure of the merchant to respond should not be used as a basis to deny my dispute. 

Capital One ignored the core issue : the goods were not delivered to me. A transaction is not valid when the customer does not receive the merchandise. Capital One failed to address this fact and failed to explain how delivery to the wrong address constitutes a valid transaction. 

Additionally, Capital One did not provide any provisional credit, documentation of their investigation, merchant response records, or explanation of how their determination complied with debit card dispute regulations.

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: LJ Ross Associates
State: TX

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the collection account listed on my credit report under the account number I do not recognize this debt as being valid or accurate, and I am requesting full verification and validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : 1. Proof that I am legally responsible for this debt 2. The original creditors name and address 3. A copy of the original signed contract or agreement 4. A complete payment history 5. Documentation showing that your agency has the legal right to collect this debt Until this information is provided, I request that all collection activity stop and that this account not be reported or be removed from my credit report as unverified. 

If you are unable to provide proper validation, I ask that this account be deleted from my credit file immediately. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The company is reporting a charge-off without verification. I disputed the account and requested documentation, but none was provided. The charge-off is inaccurate and must be removed unless properly substantiated.

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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am submitting this complaint against a third-party rental collection agency for illegally attempting to collect an incorrect debt amount, failing to honor legally documented protections, and continuing collection activity despite receiving formal notice and documentation. 

The collection agency published and attempted to collect a debt amount that is inaccurate and not legally owed. This amount includes charges that should have been lawfully excluded due to documented XXXX XXXX  protections under Texas law. 

I provided the landlord, and the collection agency by extension, with official documentation, including : -A police report -A court-issued Order of Protection These documents establish that I was legally protected and that certain charges could not lawfully be assessed or pursued. Despite receiving this documentation, the collection agency continued to charge, publish, and attempt to collect the debt, including reporting or threatening to report an incorrect balance. 

The collection agencys conduct includes : -Publishing and attempting to collect an incorrect and inflated debt amount -Failing to correct the balance after receiving clear legal documentation -Continuing collection activity despite notice that the charges were unlawful -Using collection practices that caused distress and fear, given the context of documented XXXX  XXXX protections This conduct violates the Fair Debt Collection Practices Act, including prohibitions against : -Misrepresenting the amount or legal status of a debt -Using unfair or unconscionable means to collect a debt -Continuing collection after receiving notice that the debt is disputed and legally invalid Additionally, under Texas law, victims of XXXX  XXXX are afforded protections that prohibit landlords and their agents from enforcing certain charges once proper documentation is provided. The collection agencys actions disregard these protections and constitute unlawful debt collection and harassment.

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