vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation
State: IN

Complaint narrative:
XXXX XXXX XXXX, the previous electric utility provider I had in Arizona, filed a collection against me WITHOUT informing me that I had an outstanding bill. I moved out of the state and they did not generate the bill until long after I had left. I did not learn of the collection until I applied for a mortgage. Upon learning, I quickly called and paid the bill in XXXX of 2024. I was told that it would NOT affect my credit score. It did. I have not missed a single payment in my entire life. Not once. This collection dropped my credit score down to XXXX, resulting in us not being able to afford the higher payment we were quoted for a mortgage. I disputed it with all three credit bureaus and those are pending currently. I am making this complaint before I sue them. I work as a compliance officer for a bank, and can not believe a utility company is permitted to do this to someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The late payments and charge-off accounts being reported on my consumer credit reports are factually inaccurate, materially misleading, incomplete, and unverifiable. Despite their legal obligation, the furnishers have failed to provide competent, original, and legally admissible documentation proving that these alleged delinquencies are accurate and valid.

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 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The late payments and charge-off accounts being reported on my consumer credit reports are factually inaccurate, materially misleading, incomplete, and unverifiable. Despite their legal obligation, the furnishers have failed to provide competent, original, and legally admissible documentation proving that these alleged delinquencies are accurate and valid.

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 2026-04-29 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/year> I paid a tab at a beach restaurant for {$56.00}. I was mistakenly overcharged in the amount of {$5600.00}. I did not have this money in my checking account yet the charge went through. I have reached out to the establishment to voice my concern and they have reissued a request for the funds to be directed back into my account in the amount of {$5500.00}. I am now and have since been negative in my checking account. I reached out to my bank SoFi for assistance. I asked they credit me back the funds, as the charge should have never been approved, and THEY wait for the reimbursement as to take accountability for their mistake. The representative I spoke with XXXX, who refused to provide me his last name, dismissed my request, stated it could take up to 90 days for resolution and there that there was no one else to hear of my complaint. I explained if they are unable to credit me back the full amount I understand and would take something to bring me to being positive in my account and so I am able to at least grocery shop for myself and XXXX XXXX as well as pay my upcoming bill. The representative declined my request and threatened to end the call as it was not productive. This mistake should be held against the bank, for approving a charge I did not even have the money in my account to afford and not myself having to pay the repercussions for their error. At the absolute very least this establishment should have seen the charge as fraudulent and requested my approve as it is such a high and obscene amount. To make matters worse they have since transferred all of my money out of my savings account and into my checking so I am not even able to withdraw or transfer that money to hold me over until this is resolved. There is absolutely no consideration for my wellbeing in this situation and rather I am being treated as though I have done something in error

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
I have asked for over 4 years now by sending certified letters to all the 3 credit reporting agencies t ( XXXX XXXX XXXX ) to update my personal information and remove all old or incorrect personal information. I have tried to make contact with companies making false claims to remove the claim from my credit reports and NO ACTION. Also, I requested they send me proof of original contract with my signature which they can not provide for false negative reporting accounts that have negatively affected my credit report, score, etc. and caused me harm. After requesting the 3 credit reporting agencies to send proof or immediately remove they do not fix my reports, nor did the companies take corrective action. I am having to file a law suit against the companies who are making false claims on my reports and this has caused me much harm in terms of aggravation, time, money, cost of not being able to be approved for better credit cars with better rates, being able to get a rental lease, etc. I am having to file lawsuits which also causing me harm in terms of time, money, etc.

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 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase auto finance repossessed my vehicle and sold it at auction on XX/XX/year>. I received notice of the sale and a deficiency balance XX/XX/year> after the sale of the vehicle. I did not receive a notice of redemption or notice of intent to sell nor did I receive a affidavit of defense form as required by laws, 625 ILCS 5/3-114 ( f-7 ), 92 ILL admin code 1010.160 ( 3 ), ( 4 ), ( 11 ). I was never given the right to redem the vehicle, buy the vehicle or reinstate the loan after repossession as is required by laws listed above. There for, Chase auto unlawfully repossessed and sold the vehicle and broke the contract agreement in doing so.They are now demanding {$17000.00} as a deficiency balance and reporting this to all credit bureaus. No balance is owed since they violated the contract and laws stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I use XXXX XXXX Banking and received a pending withdrawl for XXXX $ for Western Union. I never made this purchase ; it was made on XX/XX/year>. I called my bank and was informed they could not take the next steps until the pending amount was posted. However, when I called Western Union, they told me the amount had already gone through and that I would likely not get reimbursed. They suggested filing a police report in hopes of getting this money back. If this is the next step due to the pending withdrawal likely getting posted, how would I contact my local department?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I got a Vanilla gift card at XXXX XXXX in XXXX TN for {$400.00}. It has never worked and all they tell me is continue trying it. However Ive tried online in store etc. multiple times. They have scammed me out of {$400.00}! With so help I can get from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
I have asked for over XXXX years now by sending certified letters to all the 3 credit reporting agencies ( XXXX XXXX XXXX ) remove all old or incorrect personal information. Also, I requested they send me proof of original contract with my signature which they can not provide for false negative reporting accounts that have negatively affected my credit report, score, etc. and caused me harm. I have also tried to contact companies making false claims to provide me with original contract with my original signature with no resonse. After requesting the 3 credit reporting agencies to send proof or immediately remove they do not fix my reports. I am having to file a law suit against the companies who are making false claims on my reports and this has caused me much harm in terms of aggravation, time, money, cost of not being able to be approved for better credit cars with better rates, being able to get a rental lease, etc. I am having to file lawsuits which also causing me harm in terms of time, money, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Credit Corporation
State: VA

Complaint narrative:
The dealership added XXXX XXXX to my contract and once the vehicle was totaled I was told that XXXX was not included. The vehicle was totaled and the account was closed as a write off in 2022 however the balance owed is constantly increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I am filing a complaint regarding my Venmo account, which has been suspended for over XXXX years without explanation or a meaningful way to resolve the issue. The account was suspended when I was a high school senior after a transaction where a friend sent me money and I returned it. I did not receive a clear explanation or warning, and I believe this activity may have been incorrectly flagged. Since the suspension, I have made repeated attempts to contact Venmo support. However, I have been unable to access any effective assistance. I am directed to log into the app to contact support, but I can not do so because my account is suspended. When I attempt to call, I am redirected back to the app. This has created a situation where I have no way to reach a representative who can review my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I sent a XXXX payment of {$210.00} for a service that was misrepresented and never provided. The recipient used deception to induce payment and then stalled communication. This is a clear case of fraud by deception. I reported this to Chase, but they declined assistance stating the transaction was authorized. While I technically authorized the payment, it was done under false pretenses, which qualifies as a scam. I am requesting that Chase reconsider this case under fraud/scam protections and provide reimbursement or recovery assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I now have both accounts closed business and personal by Navy Federal Credit Union due to discrimination, disclosures and financial hardship, its no way to pay for vehicle after explaining to NFCU the vehicle isnt operable due to engine failure, they stated I do not have gap anymore cause I did an refinance which XXXX disclosed before doing application I was pay over {$500.00} a month and the loan was not decreasing at all including principal balance which prompted me to file for refinance Ive also stated I will file bankruptcy, after Navy Federal credit Union stated it will go on credit and I will still be responsible which will put me in a lose lose situation. It cause XXXX XXXXXXXX, XXXX that now put me in a position that will lose everything as a single father with XXXX and XXXX yr old. They arent set to help us only take Ive filled application out for {$1000.00} loan to fix vehicle they want me to pay for so I can continue to get back and fourth, my personal credit was ran even for business check kind of credit. Social security number supposedly only hold debt and discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
I am disputing a deferred interest charge of {$5700.00} applied to my account. Comenity states that my promotional purchases occurred in XXXX and XX/XX/XXXX and that the promotional period expired in XX/XX/XXXX. However, my official billing statement clearly shows an original purchase date of XX/XX/XXXX for the same promotional plan. I relied on the billing statements provided to me, which indicated that the promotional period was still active. Based on that information, I did not expect deferred interest to be applied. This is a billing error due to inaccurate and conflicting disclosures on my statements. I am requesting a full reversal of the {$5700.00} interest charge. I have attached documentation showing the discrepancy between my billing statement and Comenitys explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> I received the settlement stating that the account was paid in full. On XX/XX/year> I tried to purchase a vehicle and I was denied because of a deficiency balance reflecting as a charge-off for a repossession that has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I want Navy federal credit union to upload or send me all of my billing statements to the following address at XXXX XXXX XXXX, Alabama XXXX- I have disputed this information on XXXX multiple times it is inaccurate and incomplete and I would like it deleted and to enter into some form of settlement with this creditor but I do not appreciate the inaccurate information on my consumer report and would like it deleted immediately

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Dear Bank of America, I am writing to formally raise a serious concern regarding my account and the recent refusal to allow me to withdraw a substantial sum of my own funds. On XX/XX/year> I attempted to withdraw a large amount from my account. Despite the funds being fully available and verified, I was informed that the withdrawal could not be processed on that date. I spoke with the XXXX XXXX XXXX XXXX XXXX and he informed me that he will put the request in for me to make the withdrawal on XX/XX/year>. I went back to the branch to make the withdrawal I was told by the cashiers that I am unable to do the withdrawal that the Financial Center XXXX XXXX XXXX requested. I was not given a clear or sufficient explanation for this restriction, which I find both troubling and unacceptable. As the rightful owner of this account, I expect to have reasonable access to my funds, especially when proper identification and procedures have been followed. Limiting access without clear communication or justification places an undue burden on me and raises concerns about the handling of my account. I respectfully request the following : A detailed explanation for why my withdrawal keeps being denied. Clarification of any policies or limitations that apply to large withdrawals. Immediate assistance in facilitating access to my funds. Please treat this matter with urgency. If this issue is not resolved promptly, I will consider escalating my complaint to the appropriate regulatory authorities. I appreciate your prompt attention to this matter and look forward to your response. 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 2026-04-29 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I made a payment in the amount of XXXX. Issuer has deducted the funds from my account but has been holding part of my payment for XXXX days. Because of this I am unable to use my card. There are also a series of electronic holds that are not real transactions that are using all of my available credit. I have a XXXX credit limit a XXXX balance, no payment due and only {$34.00} of available credit. I feel that the company is holding my payment hostage with no valid reason. I feel the company is misusing its power

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 2026-04-29 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: NC

Complaint narrative:
I returned a " XXXX XXXX XXXX XXXX '' to the merchant 's physical partner location ( XXXX XXXX # XXXX ) on XX/XX/year>. Timeline and Actions : XX/XX/year> : Purchased item via XXXX ( Merchant : XXXX * XXXX XXXX ) for {$74.00}. XX/XX/year> : XXXX the item in-person to XXXX. I received a physical return receipt ( Ref ID : XXXX ). XX/XX/year> : Filed a dispute with Capital One ( XXXX # XXXX ) after XXXX acknowledged the return barcode was scanned but failed to issue a refund. XX/XX/year> : Capital One denied the claim, citing the " condition '' of the goods. I responded that the condition is irrelevant as the item was physically returned and accepted by the merchant. XX/XX/year> : I provided Capital One with a clear photo of the physical XXXX return receipt and a screenshot of the XXXX return scan. XX/XX/year> : Capital One denied the claim again, stating they " lack previously requested information, '' despite the proof of return being in their possession. The Error : Capital One is siding with a delivery platform 's ( XXXX ) automated " delivered '' status while ignoring a physical receipt from the merchant ( XXXXXXXX XXXX ). Ignoring a physical return receipt is a failure to investigate the evidence provided. Desired Resolution : I am requesting that Capital One honor the physical proof of return and issue a permanent credit of {$74.00} to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a transfer of {$16000.00} from a friend as repayment for a personal loan. On XX/XX/XXXX, my account was restricted without prior notice, and I have been unable to access my funds since. Their team requested identification documents from the sender. I have communicated this request to my friend, but he has refused to provide his private documentation. Despite my repeated attempts to resolve this and my request to simply close the account and have my funds returned to me, I was informed that the money would not be released, even upon account closure. Back on XX/XX/XXXX, soon as I submitted a complaint here for managing an account refusal to close, they closed my account instantly, informed me that they would finalize the closure of my account no later than ten ( 10 ) calendar days. However, since that date, I have received no updates. My funds are still being held, and my subsequent emails have gone unanswered.

Company response to consumer: Closed with explanation