vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I recently was initially supposed to go to a concert, I had my ticket on layaway and my first payment of {$9.00} consisted on XX/XX/XXXX I then paid {$74.00} on XX/XX/XXXX to this merchant. I paid {$74.00} twice to this merchant on XX/XX/XXXX and XX/XX/XXXX. I paid my last amount of {$83.00} on XX/XX/XXXX. The total amount was {$310.00}, yet I have not received any of the goods I paid for. I bought my ticket from the merchant website, not person to person. I did not attend the concert I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: HI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Capital One regarding its handling of my billing dispute. Capital One failed to conduct a meaningful investigation, provided no explanation for its decision, and was vague about what documentation was required in violation of my rights under the Fair Credit Billing Act ( FCBA ). Background I was charged {$71.00} by a clothing merchant for a purchase I sought to return. The merchant refused to issue a refund despite having a refund policy that entitled me to one. I contacted the merchant directly and attempted to resolve the matter, but the merchant declined. I then filed a formal dispute with Capital One. Capital Ones Failures Capital One failed in its obligations to me in the following ways : 1. No explanation of the decision : Capital One dismissed my dispute without providing any reason for its finding, what evidence it reviewed, or what the merchant submitted in response. 2. Vague documentation requirements : Throughout the dispute process, Capital One failed to clearly communicate what documentation was needed or how it would be evaluated. I submitted the merchants own refund policy as evidence, yet this was not addressed. 3. No opportunity to respond : I was never informed of any rebuttal submitted by the merchant, nor given an opportunity to respond to it, as required under a fair dispute process. 4. I have repeatedly submitted USPS return confirmation that merchant has received my item along with the merchant refund policy they have posted online. Merchant refund policy states that refund back to original payment is an option for refunds. But merchant will NOT refund me and is only providing a store credit. Applicable Consumer Protections Under the Fair Credit Billing Act, card issuers are required to conduct a reasonable investigation of billing disputes and provide cardholders with a written explanation of any adverse decision. Capital Ones dismissal without explanation and its failure to communicate clearly during the process constitute a failure to meet these obligations. Relief Requested I respectfully request that the CFPB : 4. Investigate Capital Ones handling of my dispute ; 5. Require Capital One to provide a written explanation of its decision and the evidence it considered ; 6. Direct Capital One to reopen and properly resolve this dispute in compliance with the FCBA. I have supporting documentation available, including my communications with the merchant, the merchants refund policy, and records of my dispute submission to Capital One. I am prepared to provide these upon request. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
The company, XXXX XXXX XXXX, who was a debt collector for CitiBank. This debt collect, took full payment for my debt over the phone, then separately garnished my wages and collected the debt form my employer as well. When I called them, they apologized and promised all funds would be returned within 30 days. Now they say they have no record of this ever happening.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
I made a purchase from XXXX XXXX. I am XXXX, a citizen of the United States, and I receive my social security payments through that account.I made a purchase from XXXX XXXX TD Bank in the United States canceled the purchase and blocked my card. I later contacted them through their website, they unblocked my card, and I made another purchase at XXXX XXXX I cancelled it because it was on sale and bought it again, and I also bought a coffee maker on XXXX in XXXX And since then they blocked my card, closed my account, and sent it to the fraud department

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I am filing this complaint against THE BUREAUS for failing to properly validate an alleged debt they are reporting on my credit profile, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g ( b ). I sent a formal " Notice and Demand for Validation '' to THE BUREAUS regarding account number XXXX. In that request, I explicitly asked them to provide competent evidence and legal verification of this alleged debt, including a copy of the original contract or agreement signed by me with the original creditor, and a complete itemized breakdown proving they have the legal right to collect this specific amount. THE BUREAUS has completely failed to provide the requested legal validation. They do not hold a direct contract with me, and they can not legally prove that I owe this money to them. Despite their failure to validate, they continue to report this unverified and inaccurate account on my credit reports, causing severe financial harm. Under federal law, a debt collector must cease all collection and reporting activities until the proper validation is provided. Since they can not validate this debt, they are attempting to collect an unverified account illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Seattle Service Bureau, Inc
State: FL

Complaint narrative:
There was an accident that I was in with damage coverage but no personal injury protection and XXXX XXXX ( the other persons insurance I was in an accident in ) sent the National Service Bureau to harass me for money. Im a student with financial aid and I have no way to pay this debt. The national service bureau has told me they have sent me mail and I havent received nothing. They called my phone and tried to send me to their website to pay but I cant even begin to set up a $ XXXX monthly payment plan without having had any written receipt as proof to the amount I supposedly owe. Its like theyre attempting to squeeze blood from a stone. Impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I bought a 2019 XXXX financed thru RAC Reginal Acceptance Corp on a 72 month payment plan, during the 72 months i deferred XXXX payments to end of loan originally Maturity Date was XX/XX/XXXX when that was up the changed Maturity Date to XX/XX/XXXX so when I made the XXXX extra payments I figured it was done but they said payoff was {$10000.00}. When I called them and explained that I made the XXXX deferred payments plus XXXX extra payments they said it was interest owed with no other explanation so I asked for contract and payment history and they wouldnt tell me anything else. I traded the car in on the XX/XX/XXXX and had to pay {$10000.00} which is not correct when I asked new maturity date they said we dont have XXXX you pay till all interest is paid. So under my calculations from what they were taking out for principal I would have to make XXXX more payments plus the XXXX extra I made so XXXX payments for XXXX deferred payments is unbelievable?

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Unifin Inc.
State: AK

Complaint narrative:
My debt account is owned by Unifin Inc now owned to XXXX XXXX XXXX contacted my family via email and the email shows the amount of debt I owe to them which is {$840.00} and shows that they're a debt collection agency. They contacted both my mom and sister.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
XXXX XXXX OR LEGAL MEETING REQUESTED AND COOPERATION WITH XXXX TO RESTORE ACCOUNT our review did not identify any error in the handling of your account or the delivery of correspondence. This directly contradicts the statement on the phone on XX/XX/year> that when I called about the closure of my account I was not informed that Barclays had wrongly assumed my address had changed. Instead, Barclays gave a pretextual reason for the closure relating to the XXXX bank transfer and a non-existent fraud claim that I never filed. Furthermore, Barclays took no steps to correct its actions or misstatements to me as the customer as to the closing of my own account. I would encourage Barclays to review the transcript of our phone call if they have questions about this. Respectfully, given the reasoning and conclusion it is clear that the company to date has neither considered nor reviewed the details surrounding Barclays failures in impermissibly closing this account. As such, I need a senior leader of the corporate or legal team to meet with me and provide a resolution in the form of arranging for the reinstatement of my account by XXXX. Please escalate and advise when this step is taken ASAP. In addition, transfer this case to another member of the Office of the President. It is not appropriate for the same person who has not addressed the issue to continually reaffirm her own actions and decisions. - Company continues to assert a false and inaccurate reason to justify erroneous closure of account. Escalate for appeal and re-review. Assign to different reviewer than XXXX, she has been unresponsive and did not address complaint in her response.Account closed for invalid reason ( alleged bad address, but address was correct and unchanged throughout account ownership ). No notice or reason given to cardholder. Cardholder entitled to reinstatement under FCRA.My address remained the same throughout the period and there was a XXXX mail forward in place throughout. There was no return sender. So that is not an accurate basis for termination. Please escalate to a higher level for reinstatement given the erroneous closure.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a member of Bank of America. Approx 1 year ago I changed my email address and discontinued an old email address, which was the email address in my B of A account. I've contacted B of A customer service agents multiple times who stated that they had solved the problem, but when I go into my account information I see that the discontinued email address is still the one on my account. Because my current email address is not in my B of A account, I do not receive emails when there may be unauthorized activity or to confirm deposits or withdraws.

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
My rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Avant / WebBank for a severe violation of the Fair Credit Billing Act ( FCBA ) and for reporting inaccurate, damaging information to the credit bureaus ( XXXX ) . Between XX/XX/year>, and XX/XX/year>, my Avant credit card was compromised, and 22 unauthorized fraudulent transactions totaling {$450.00} were charged to my account. These charges were physically made in California, Nevada, and Arizona, while I physically reside in a completely different state. I immediately notified Avant customer service. They cancelled my card and updated my account number. However, Avant falsely verified this fraudulent debt as accurate to XXXX during my initial dispute through XXXX XXXX, causing it to be " Denied. '' On XX/XX/year>, Avant 's Complaint Department sent me an official letter admitting that they received my formal itemized dispute, stating that they are re-escalating it to the fraud team and will apply temporary credits of {$450.00} to my account. However, despite admitting to the fraud and promising temporary credits in writing today, Avant has already actively damaged my credit health by lowering my credit limit from {$750.00} to {$500.00}. This caused my credit utilization rate to skyrocket to over 91 % overnight, instantly slashing my credit score by XXXX points on XXXX. Avant is acting in bad faith by admitting the fraud in writing while simultaneously penalizing me by lowering my credit limit and destroying my credit score due to the exact same fraudulent balance. Desired Resolution : 1. Immediately apply the promised {$450.00} credit to fully wipe out the fraudulent balance. 2. XXXX out the {$25.00} minimum payment due for XX/XX/year>. 3. Immediately restore my original credit limit back to {$750.00}. 4. Issue a correction to XXXX, XXXX, and XXXX to completely remove this negative history and restore my XXXX lost credit points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> a fraudulent XXXX transaction was made on my Chase checking account for {$1500.00} On XX/XX/year> another fraudulent XXXX transaction was made on my Chase checking account for {$500.00}. I immediately contacted Chase bank to dispute these XXXX transactions and to get them reversed. I also met with branch bankers and branch managers. I made an identity theft report with the sheriffs office. Chase has refused to refund me the {$2000.00} of fraudulent XXXX transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: DC

Complaint narrative:
I am filing a formal complaint regarding an unauthorized transaction processed through Klarna under a XXXX financing agreement. I first became aware of this transaction after noticing it on my account. I did not authorize the purchase, did not place the order, and did not receive any goods or services associated with it. There is no record of my consent, purchase confirmation initiated by me, or delivery of any item tied to this transaction. After discovering the charge, I immediately contacted Klarna to dispute it as unauthorized and requested a full investigation. I reported the transaction as fraudulent. A police report has also recently been filed regarding this matter due to suspected fraud. Klarna later denied my claim ; however, no meaningful explanation or supporting evidence was provided. I was not given documentation showing how authorization was verified, such as login records, device confirmation, IP address data, signed agreement, or any other proof that I initiated or approved this transaction. The denial did not include a clear breakdown of the investigation results or the specific evidence relied upon. This appears to be a fraudulent or unauthorized transaction, and I am seeking a fair and properly evidenced resolution. I previously attempted to resolve this matter directly with Klarna, but the issue remains unresolved, which is why I am escalating this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have Onity Mortgage, but they were PHH Mortgage when I had the issues. My XXXX XXXX daughter was hospitalized 3 times for long periods of time from XX/XX/year>- XX/XX/year>. I had called and emailed PHH Mortgage asking for a hardship and to have my payments pushed to the end of the mortgage since I was out of work caring for my sick daughter. After reaching out to the CFPB to help with that as PHH was being extremely difficult with it they went ahead and pushed those payments to the end and told me all of the missed payments would be removed from my credit report as this was an error on their part. I pulled my credit report three months ago and see that my XXXX and XXXX payments are still showing late which is hurting my credit report. I reached out the PHH, no response, disputed it with the three credit bureaus and they denied the request to remove it even though they said they would. I am a single mom with XXXX children and XXXX being XXXX and still in and out of the hospital and making my payments on time now, but I should not be dealing with this a year later as this was resolved a year ago. The resolution I am looking for is to have these two late payments removed as it was an issue on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I used Zip for a purchase that was never received. I contacted the merchant and shipping carrier regarding the missing package and provided proof/documentation. My bank previously refunded disputed charges related to this transaction. However, Zip continues attempting future charges despite the dispute being unresolved. I have contacted Zip customer support at least five times by phone and submitted documentation via email. On XX/XX/year>, Zip acknowledged in writing that there was already a dispute regarding this order and stated they would need to wait for the bank to resolve the matter. I was later told by phone that the issue would be escalated if I did not receive a response, but I continue receiving collection/payment calls and texts. The purchase dates back to XX/XX/year> and remains unresolved despite repeated attempts to resolve the matter directly with Zip.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Klarna AB
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation