vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX i made a payment for {$130.00} which was the total balance that should have paid the account balance in full however Comenity Capital Bank charged me another late charge of XX/XX/XXXX {$30.00} Thereafter on XX/XX/XXXX i made another payment of {$15.00} attempting to pay the entire balance off but the customer service supervisor i spoken with mentioned to me that i will be charged another late fee after the payment submitted for another {$15.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I applied and was approved for a XXXX citi card at the store. I was given a temporary card and a XXXX limit. I waited for my actual card to come.by mail and then activated the card. About a week later I go to XXXX and spend around XXXX dollars no issue and now the next day im told.my account it closed with no explanation. I reach out through chat at first and given no help then through 3 different phone conversations still nothing. I was told I could write a letter and wait for correspondence which is unacceptable. I added this card to.my accounts as a way to increase mymtotal.credit limit to keep.my usage under 30 percent as I am trying to build my credit. And now for no reason they are closing my account and setting my credit back due to closing an account in less than a month and having a hard inquiry on my account

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I booked a hotel stay through Capital One Travel using my Capital One Venture credit card. Capital One charged me {$340.00}, including {$46.00} labeled as taxes and fees.

The hotels final folio shows the actual room charges and statutory state , county, and city hotel taxes totaling {$39.00}, with a final stay cost of {$260.00}.

Capital One Travel has confirmed the charge but refuses to provide a breakdown of the taxes and fees it charged or identify how much of that amount was actually remitted as tax versus retained as a fee.

I am not disputing the room rate. I am disputing the misrepresentation of taxes and fees and Capital Ones refusal to provide required billing transparency for a credit card charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
I do not recognize this debt and believe it is inaccurate. I have not received documentation proving that this account belongs to me or that I am legally obligated to pay the amount reported. I am requesting verification of the debt or removal if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: PA

Complaint narrative:
am submitting a complaint regarding a debt that is being reported and/or collected that I have formally disputed and requested validation for.

I have requested proper debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and applicable Pennsylvania law. I dispute this debt and have requested documentation proving the legitimacy of the account, including the original contract, full payment history, proof of ownership or assignment of the debt, and confirmation that the debt is within Pennsylvanias statute of limitations under 42 Pa.C.S. 5525.

As of now, the company has failed to provide sufficient documentation validating the alleged debt. Despite this, the account continues to be reported and/or collection activity has continued. Reporting or attempting to collect a debt without proper validation may violate the FDCPA as well as the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to report accurate and verifiable information.

I am requesting that the company : Provide full validation of the debt as required by federal and Pennsylvania law, or Cease collection activity and remove any credit reporting related to this account if they can not properly validate the debt.

I am seeking assistance from the CFPB to ensure my consumer rights are being upheld and that this matter is investigated appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had been receiving numerous emails about " my credit card '' yet I never applied. I tried to block the emails as spam but the last email caused concern because it stated the following : " Re : Your account ending in XXXX { MY NAME }, We need to hear from XXXX the Capital One card we just sent couldnt be delivered to the address weve got on file. 

Your cards been returned to us, so its in safe hands. But please, give us a call now at XXXX so we can update your address and get your card back out to you ASAP. 

Then, when you get your card, sign in and check out how easy it is to manage your account. '' I was on the phone for over an hour with Capital One today trying to explain that I never applied for the card and was FORCED by the operator " XXXX '' to provide my full social security number for him to look into the issue further. Once I gave it to him, of course, there was no application found under my social security number. 

This seems to be ( at best ) a promotional scam by Capital One to get consumers to apply for cards. Naturally it's very upsetting in today 's financial climate because the first inclination is that your identity has been stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I ordered 4 White drones ( {$120.00} ) for XXXX presents, XXXX sent them, but they also included 4 black drones ( {$160.00} that I did not order. I made XXXX aware of that issue, they emailed me a return label, and I sent the 4 Black drones back to XXXX. But XXXX would not refund my money, since I had filed a complaint with my Citi Bank Mastercard. XXXX sent a response to my compliant to Citi Bank. ( I have a copy of that response ) dated XX/XX/XXXX. In the copy of XXXX response was a XXXX XXXXracking number, I ran that tracking number, and it showed that the package of 4 black drones was received back by a XXXX warehouse XXXX XXXX XXXXacking # XXXX. I have copies of the Travel History from XX/XX/XXXX through XX/XX/XXXX when it arrived back at the XXXX XXXX. 
I also have a copy of a message sent to me by XXXX, stating since I filed a Chargeback with Citi Bank, they would not provide me a refund until I withdrew the Citi Bank complaint. XXXX acknowledge in that message that the 4 Black Drones was received back to them at their warehouse. 
I informed XXXX that if they refunded my money, it would automatically resolve my Citi Bank complaint, and the Bank would withdraw it. I was not going to withdraw the complaint. Citi bank knows all of this information but are now sending me letters telling me they are not going to credit my account for the {$160.00}. And that they don't have too. In my research I found that under " FAIR CREDIT BILLING ACT '' ( FCBA ) under section 170 which is Federal Law, that a Credit Card Company has a legal obligation to investigate and potential credit my account, if a Merchant ( XXXX ) refuses to refund a valid return. FCBA treats a merchant 's failure to credit my account for a returned item as a " billing error ''. I have all the messages from XXXX and Letters from Citi Bank to validate my claims in this CFPB compliant, I am willing to provide copies of all of them, once CFPB has my case assigned to someone that will do the investigation. I want my refund from XXXX or a Credit from my Citi Bank Mastercard. for the total of {$160.00} owed me. The " Claims and Defenses '' Provision of Section 170 of the " FCBA '' States : I have the right to assert against the Card Issuer the same legal claims or defenses I have against the merchant. Essentially, if the merchant is legally obligated to refund me, the credit card company may be responsible for reversing the charge. 
Citi Bank needs to be investigated significantly for these charges and my claims. And XXXX should be investigated also. I appreciate all the help you can give me with this total injustice by the Credit Card Company known as Citi Bank.

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 2026-02-03 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: PA

Complaint narrative:
am submitting a complaint regarding a debt that is being reported and/or collected that I have formally disputed and requested validation for. 

I have requested proper debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and applicable Pennsylvania law. I dispute this debt and have requested documentation proving the legitimacy of the account, including the original contract, full payment history, proof of ownership or assignment of the debt, and confirmation that the debt is within XXXX statute of limitations under XXXX Pa.C.S. XXXX. 

As of now, the company has failed to provide sufficient documentation validating the alleged debt. Despite this, the account continues to be reported and/or collection activity has continued. Reporting or attempting to collect a debt without proper validation may violate the FDCPA as well as the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which requires furnishers to report accurate and verifiable information. 

I am requesting that the company : Provide full validation of the debt as required by federal and Pennsylvania law, or Cease collection activity and remove any credit reporting related to this account if they can not properly validate the debt. 

I am seeking assistance from the CFPB to ensure my consumer rights are being upheld and that this matter is investigated appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 XXXX XXXX XXXX - XXXX 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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Snap Recovery, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Transform Credit Inc.
State: VA

Complaint narrative:
I cosigned a loan for a friend who was in trouble. He has been having problems making payments. He set up a promise to pay last month and he paid it, but the loan company took the payment out of my account after he paid it. Being on social security myself this has created a great strain on my finances. 

The stress that this company causes every month is unbelievable. My friend lost his job and his on unemployment. So he struggles to make the payments every month. But this company sends the most vile notices constantly making threats to me when he is contacting them and trying to work with them to make the payments. 

But taking the money out of my account AFTER he contacted them and made his payment as promised is the last straw. How can a loan company just take money out of your account? 

I would warn everyone to steer clear of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Resurgent Capital Services, L.P. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX. XXXX Bank XXXX XXXX XXXX Department. XXXX Bank XXXX XXXX XXXX Department. XXXX XXXX, XXXX XXXX XXXX XXXX Department XXXX : Formal Notice of Dispute, Demand for Chain of Title, and Cease of Unauthorized Collection Activity. Consumer : XXXX XXXX XXXX. Account Reference : Ending XXXX This correspondence serves as a formal legal notice to all recipients listed above regarding the above-referenced account. The account is disputed in its entirety. The handling, servicing, assignment, and representation of this account demonstrate material inconsistencies, lack of lawful verification, and violations of federal consumer protection statutes, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). Chain of Title and Ownership Defects. 
I have received conflicting representations identifying XXXX Bank as the original creditor, XXXX XXXX, XXXX, as a collection agent, and, most recently, XXXX Bank as the alleged current owner, with Resurgent Capital Services, XXXX acting as servicer. No lawful notice of assignment, transfer, or sale has been provided. Absent documented proof of assignment and authority, no party may lawfully collect, service, or report this account. 
Failure of XXXX and XXXX XXXX. Partial billing statements and application materials do not constitute legal validation where ownership and authority are disputed. Any continued collection activity without proper validation constitutes unauthorized collection under XXXX XXXX. XXXX ( b ) and false representation under XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
Spring Oaks Capital SPV , LLC is reporting a debt on my credit reports in the amount of {$9000.00}. I have never done business with this company and do not recognize this alleged debt. 

After discovering the account on my credit reports, I disputed the debt and requested validation. I also explicitly requested that Spring Oaks Capital SPV , LLC cease contacting me regarding this matter. Despite this, the company has continued to contact me by email. 

To date, Spring Oaks Capital SPV , LLC has failed to provide proper validation of the alleged debt, yet continues to report the account to the credit reporting agencies. Reporting an unverified and disputed debt is inaccurate and misleading. 

I am requesting that Spring Oaks Capital SPV , LLC provide proper validation of this alleged debt or, if unable to do so, immediately cease collection efforts and remove this account from all credit reporting agencies. I am also requesting that all further communication stop, as previously requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: Klarna AB
State: AR

Complaint narrative:
Unauthorized charges on my Klarna XXXX XXXX totalling {$39.00} from iXXXX XXXX XXXX XXXX  I never placed. Card details were XXXX froze it immediately and requested a new one. Despite clear evidence these are fraudulent, Klarna customer service refuses to investigate and keeps directing me to the retailer. Under Regulation E, my liability should not exceed XXXX dollars and they must reverse these funds after proper review. Ive reported it as fraud in-app, contacted multiple times, but they stall. This has to stopplease enforce their duty. 

These are the charges from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) OTHERS WHO TRIED BUT APPARENTLY WERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TRANSWORLD is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD 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 2026-02-03 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: ROBINHOOD MARKETS INC.
State: AR

Complaint narrative:
On XX/XX/year> I received a notification of a transaction that had been completed for {$4800.00} from IRS. I have reached out to support multiple times today and yesterday with no response. 

I am reporting an unauthorized ACH debit ( fraudulent ACH transaction ) from my account associated with Robinhood. I did not authorize this transfer. 
I reported this transaction to Robinhood promptly and have made multiple attempts to contact their banking support through official channels. Robinhood has failed to provide timely assistance, meaningful responses, or clear information about the investigation, despite this being a fraud matter involving my funds. 
This lack of response is concerning and does not meet obligations under Regulation E for unauthorized electronic fund transfers, including timely investigation and provisional credit where applicable. 
Why this is a problem : The ACH debit was fraudulent and unauthorized I reported it within the required timeframe Robinhood has been unresponsive or excessively delayed My funds remain affected, and I have not received clear resolution steps or timelines

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
they keep saying my employer didnt send my check over when they did

Company response to consumer: Closed with explanation