vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — Store credit 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: NY

Complaint narrative:
Dear cfpb I am writing to formally report a case of fraud that I have recently experienced. On Tuesday, XX/XX/year>, during my lunch break, I accessed my Klarna account to review my balance, as I had recently made a purchase of expensive sneakers from saks.com. Upon reviewing my account, I observed a balance exceeding {$3000.00}, which immediately raised a significant concern. I proceeded to examine all unfamiliar charges, which dated back to XX/XX/year>. I was unaware of these transactions and initiated a dispute with Klarna for all unauthorized charges. I also requested a thorough investigation and a callback from a manager. On XX/XX/year>, I checked my Klarna account again and noted that the fraudulent charges I had reported had been reversed, leaving me with a balance of over {$3000.00}. I promptly contacted Klarna, and a representative was unable to provide a clear explanation for the reversal of all the unauthorized charges. Further investigation into my text messages from Klarna revealed a message received on XX/XX/year>, stating : " XXXX XXXX, we spotted unusual activity on your card XXXX XXXX XXXX. A transaction on XX/XX/year> was rejected and your card is frozen. Unfreeze it in the app. Need help? Call ( XXXX ) XXXX anytime. '' This message explicitly indicates unusual activity. I am seeking clarification as to why payments were processed without customer verification and why subsequent transactions were submitted without confirming their authorization. I request an urgent review of this matter and a comprehensive explanation for the processing of unauthorized transactions and the subsequent reversal of the disputed charges. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
I am disputing the validity and handling of this student loan account. I have repeatedly requested documentation to verify the debt, including a copy of the signed promissory note, a complete payment history, and proof of ownership of the loan. To date, these requests have not been fulfilled. The loan appears to have been transferred or sold multiple times, and I have not been provided with clear documentation establishing the current holders legal authority to collect on the debt. Additionally, I have not received a complete and accurate accounting of payments made, interest applied, and the current balance. Due to the lack of transparency and documentation, I am unable to verify the accuracy or legitimacy of this debt. I am requesting that the company provide full verification, including : * Documentation showing the original loan agreement * A complete payment and transaction history * Proof of ownership or assignment of the loan to the current entity Until this information is provided, I dispute the validity of this account and request that it be investigated and corrected accordingly.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Money was being deducted from my checking account. I called and filed a claim and the representative called the number listed for the company while I was on hold and it went to a land line. The representative decided to freeze my account to investigate. Then I get a letter in the mail stating they will no longer do business with me. I have tried to get this rectified for years because its been about 8 years and nothing they wouldnt even tell me why. I am being penalized for something I didnt do and had no control over and thats not how you treat customers. I went to try again to open an account on XX/XX/year> and the same thing stating they permanently banned me do you fraud. What fraud there was a company taking money out of my account. I need assistance with getting this rectified to where I can start banking with them again. I have done nothing wrong.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XXXX I received a letter from capital one say I had {$530.00} in my account. I called to ask them if they closed my account how could I get my money sent to me and they informed me I had to visit a branch in order to get my money cause they need me to come in and show ID. I explained to them that it wasnt a branch nowhere near me and if I could send my ID another way to be verified they told me no. So I then went about look up what to do next and was advised to contact youll.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I contacted the company on multiple occasions and they would only give me outrageous monthly payments that unfortunately I have no current income outside of {$340.00} a month of child support which would not allow me to make the payments that they were requesting. I am requesting a goodwill adjustment due to a medically documented hardship that directly impacted my ability to maintain payments. I have been diagnosed with XXXX XXXX and am currently unable to work, as confirmed by my physician. I am also in an active Social Security XXXX case with legal representation. I have attached documentation supporting both my medical condition and XXXX claim. I have been a Capital One customer for approximately 10 years, and this account became delinquent during the progression of my medical condition and resulting loss of income. This was not due to financial mismanagement, but a documented and ongoing medical XXXX beyond my control. I am requesting that Capital One review this matter at the executive level and consider a goodwill adjustment to remove the charge-off and associated negative reporting from XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX i diaputed a charge on my jp morgan chase XXXX XXXX credit card. XX/XX/XXXX an employee by the name of XXXX called my house and provide private details about ny account to a XXXX party [ my parents ] with out my consent and told them i was XXXX XXXX. He provided the number XXXX told the XXXX XXXX [ my parents ] that my card is now locked. Chase has to date XX/XX/XXXX chase has not unlucked my card, has not allowed me to make a formal complaint, and has not allowed me to cancle the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am filing a complaint regarding an account reported by Radius Global Solutions on my credit report. I have disputed this account multiple times with the credit bureau because I do not believe the information is being properly verified. After my first dispute, the account was marked as verified. I then submitted a request asking for the method of verification, specifically how the information was verified, who verified it, and what documentation was used. Instead of providing that information, the credit bureau opened another dispute and again marked the account as verified. At no point was I provided a clear explanation of how this account was verified or what records were reviewed. Simply stating that the account was verified is not sufficient and does not meet the requirement of a reasonable investigation. I am requesting that Radius Global Solutions and the credit bureau provide a detailed method of verification, including the specific process used to verify this account and the documentation relied upon. If this information can not be provided, then the account should be removed from my credit report. I have made multiple good-faith attempts to resolve this directly, and I am now requesting that this matter be reviewed for compliance with the Fair Credit Reporting Act. I am seeking either proper verification or removal of this 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 non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am being charged for a vehicle I never had in my possession. The dealer at the time was a friend of family who I bought a car from prior .. Never authorized for my information to be used for an monthly lease on a vehicle. Reach out to Midland to address concern. No clear pathway to correct issue has been ongoing. The person that did business with them is a scam ner and no longer in business

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: SC

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have spoke with XXXX XXXX and XXXX XXXX and they sent my information off to portfolio recovery and I have gotten many calls and whenever I try to answer them, they are just silence or hang up the phone immediately even after I have said to stop calling this number, and then I did not want to receive phone calls or text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Contacted the company serval times via email and mailed letters. They never got back to me and they keep sending letters to my house about a debt that isn't even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I refinanced my house in XX/XX/year>. SPS servicing was my loan servicing company. I called them to send me the remains of my escrow account which comes to {$710.00}. They told me it would be mailed XX/XX/XXXX. I never received it. I have called them several times since and they keep giving me the run around. I have asked for a replacement check and I have not received that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am filing a complaint regarding an unverified and inaccurately reported collection account. I sent a timely debt validation request to Credence Resource Management regarding Account/Reference # XXXX and received no response. Despite this, the company continues to report this account to XXXX. Additionally, I have received communication from another company, XXXX XXXX XXXX XXXX, regarding this same alleged debt, creating a clear conflict in ownership and authority to collect. No documentation has been provided showing who owns this debt, who has the legal right to collect, or any proof that this account belongs to me. Reporting and attempting to collect on an unverified debt, especially with conflicting entities involved, is a violation of the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I was issued a XXXX XXXX Comenity/XXXX XXXX XXXX account but never received the physical card or anything else such as a statement by mail. I received a link though to add it to my XXXX XXXX which I did. I made a purchase which is now due. I tried to access my account online but can not access my account or make a payment because all systems require a card number I was never given. XXXX XXXX only shows the last XXXX digits of the card number. Phone numbers disconnect when I call. XXXX XXXX XXXX gives me phone numbers which also disconnected. It also tries to have me connect to the secure message center which also needs my account number which I do not have. I finally got through via phone but there is no human agent to speak with and the only thing it is able to do for me is take a payment with my bank account info or have me pay {$9.00} to take it by phone. I am trying to avoid a late payment and need account access immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am filing a complaint regarding PayPals handling of a fraudulent transaction and their refusal to properly investigate an account takeover. On XX/XX/year>, an unauthorized Friends & Family payment of {$4700.00} was sent from my PayPal account to an individual I do not know ( XXXX XXXX ). I did not authorize this transaction, did not initiate it, and did not benefit from it in any way. This was the result of unauthorized access to my account. I immediately reported the transaction to PayPal as fraud. PayPal denied my claim, stating the activity was consistent with my transaction history, without providing any meaningful explanation or evidence. I appealed the decision, and the appeal was also denied. As a result, PayPal has now placed a negative balance of {$4700.00} on my account and is attempting to hold me financially responsible for a fraudulent transfer. PayPal has failed to provide : - The IP address or device used to authorize the transaction - Any evidence that I personally authorized this payment - Any explanation of how this transaction was verified as legitimate This situation reflects a failure to properly investigate an account takeover and a failure to comply with obligations to protect consumers from unauthorized electronic transactions. I am requesting : 1. A full reversal of the {$4700.00} transaction and removal of the negative balance 2. Documentation of the evidence PayPal relied on to determine this transaction was authorized 3. Confirmation that my account has been secured and that no further unauthorized activity will occur PayPals current position unfairly shifts the burden of fraud onto the victim without adequate investigation or proof. I am requesting immediate review and resolution of this matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My card was charged without my knowledge and I did not find out that there was a balance until I checked my credit report. I called to pay in full but they refuse to drop the XXXX dollar late fee

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 monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
This complaint is a follow-up to a previously filed CFPB complaint against Nelnet regarding inaccurate credit reporting that caused a XXXX drop in my credit score. Since filing my original complaint, Nelnet has issued a formal denial of my credit dispute that contains direct legal contradictions under the Fair Credit Reporting Act. Nelnet 's denial simultaneously claims that ( 1 ) all credit reporting is valid and accurate following a review of my account, and ( 2 ) that I did not provide sufficient information for them to investigate my claim. These two positions can not coexist. If no investigation occurred due to insufficient information, Nelnet can not assert the reporting has been verified as accurate. I have since filed a formal appeal directly with Nelnet identifying these contradictions, demanding the account change log for changes made on or around XX/XX/XXXX which Nelnet has referenced but refused to explain and requesting full production of all documents reviewed during their purported investigation. I am attaching the following to this complaint : Nelnet 's formal denial letter, my formal appeal letter submitted to Nelnet on XX/XX/XXXX, screenshots of all payment attempts made in good faith, and confirmation of full payoff completed XX/XX/XXXX. I am requesting the CFPB compel Nelnet to fully disclose the account changes made on XX/XX/XXXX, correct all inaccurate delinquency reporting across all three credit bureaus, and conduct a substantive investigation rather than issuing boilerplate denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is incorrectly refusing to return unemployment benefit funds that were deposited in error by the Texas XXXX XXXX ( XXXX ). XXXX initiated an XXXX reclamation request on XX/XX/year> to have the funds returned to the originator. These funds were applied to an overdraft balance instead of being returned for the amount of {$2000.00} XX/XX/year>. This is not an issue of insufficient funds or a valid deposit. These are government-issued funds sent in error, and there is an active reclamation request that Capital One has failed to process. Despite this, the bank continues to delay returning the funds and has provided inaccurate explanations. I am requesting that Capital One immediately process the ACH return and send the funds back to XXXX without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I am filing this complaint because I have received electronic communications from TrueAccord ( Account : XXXX ) regarding an alleged debt of {$4200.00} originally associated with XXXX XXXX XXXX, XXXX. and currently owned by XXXX XXXX. I am formally disputing the validity of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full verification and validation of this account. The current communication does not provide sufficient evidence that : I am the person responsible for this alleged debt. The amount claimed ( {$4200.00} ) is accurate and includes a breakdown of any interest or fees. XXXX XXXX has the legal right to collect this specific amount from me. Furthermore, TrueAccord claims they have been " emailing for weeks '' without response. I require that all future communications regarding this matter be sent to me in writing via physical mail to ensure a XXXX XXXX. I also request that TrueAccord and XXXX XXXX cease all collection activities, including reporting to credit bureaus, until they have provided the requested validation documentation.

Company response to consumer: Closed with explanation