vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 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: CA

Complaint narrative:
Since late XX/XX/year>XXXX  I have been reporting the same fraudulent charges from a fraudulent merchant impersonating XXXX ( XXXX XXXX XXXX XXXX ). The charges appear as XXXXXXXX XXXX XXXX XXXX or XXXXXXXX XXXX XXXX XXXX 

The important thing to mention is I have not used XXXX XXXX  ( the real service ) in over 2 years. I have followed up with XXXX as well and they do not recognize the charges. 

I have gotten multiple new cards, I have spoken with Capital One fraud protection as well as their supervisors and still the charges come through on my account. I have been forced to permanently lock the card as they have been unable to comprehend this issue. 

Please help! 

A record of the charges below : XXXX XXXX XXXX XXXX XXXX XXXX  for {$11.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX for {$36.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX for {$10.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  for {$3.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  for {$3.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I purchased laboratory equipment on XXXX using my Citi credit card. The item was listed as functional but was not working properly and did not match the description. 

The item was sold under XXXX  Used condition, which states that items are fully operational, and the seller made specific functional claims, further supporting that this was not buyers remorse but a legitimate return attempt. 

The item was picked up on XX/XX/XXXXXXXX XXXX XXXX XXXX Money Back Guarantee states that buyers have 30 calendar days after delivery to request a return. I submitted my return request on XX/XX/year>, which is the XXXX calendar day after pickup. 

XXXX denied the return based on an undisclosed internal rule that the 30-day return window expires at the exact pickup timestamp, rather than at the end of the XXXX calendar day. This restriction is not disclosed in XXXX written policy. XXXX also refused to explain in writing how my request was outside the stated 30-day window. 

I disputed the charge with Citi for goods not as described and refusal of return within the stated timeframe. Citi denied the dispute and reversed the provisional credit without addressing whether the merchants timestamp cutoff was clearly disclosed or whether enforcing it on the XXXX calendar day was consistent with consumer protection standards. 

I am requesting reconsideration of this dispute based on the full facts, including that I acted in good faith within the stated policy window and that the return denial was based on an undisclosed technical cutoff.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Okay so cash app basically took my money {$120.00} which they did without my consent!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX at around XXXX  a scammer pretending to be a XXXX  agent used personal information he had on me to lure me into a false sense of security and scare by claiming someone was committing identity fraud. After back and forth deliberation I sent the money at XXXX and then they hung up. I then proceeded to contact both XXXX XXXX  and Cashapp. XXXX told me that since it didn't happen on their platform they couldn't do anything and instructed me to put in a complaint and request with Cashapp to get my money back. Then they told me a special agent will look at the request and decide if they will do something. After 13 days Cashapp came back and told me they couldn't do anything. So I again called my bank, they transferred me to a department that said they will send a word over to Cashapp and that they still couldnt do anything. I called Cashapp and brought the complaint to the manager who in email asked me to provide the same details as before and after one day they came back and said since it was denied the first time that they were not going to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX went to XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX XXXX Arrived this date and checked into their hotel XXXX XXXX arranged by XXXX XXXX XXXX XXXX after providing flight information, he arranged for my one week stay. I arrived and presented the credit card for my stay, My debit card was charged {$530.00} for XXXX nights. My debit card was to be credited for the three nights after the XXXX work was completed and upon checkout. ( It was not ) Also, my XXXX  work was completed a day early, I checked out of their hotel one day early, the receipt shows a credit but it never appeared on my bank statement, still showing the {$530.00} charge. 

After the XXXX  work failed miserably, I disputed all charges through Bofa and was reimbursed all funds charged on my credit/debit cards from Bank of America , Approximately {$8000.00} + ) However, BofA refused/denied any reimbursement for the hotel stay, stating I received the service and the hotel staying it wasnt XXXX  related. 
It was XXXX  related, if not, the three free nights should not have been deducted from my XXXX  bill yet it was ( see XXXX bill deduction of {$420.00} for hotel. 
Also, I would not have stayed at their hotel had I not travelled to XXXX for their XXXX  services. Bank of Americas automated system has denied my request on three separate occasions solely because I stated at the hotel, ignoring the fact I was not refunded for the early check out, and I was not reimbursed the three night stay the hotel has listed on their website and XXXX XXXX verbal claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Unlawful Repossession and Lack of Post-Repossession Notice Dear XXXX XXXX, I am writing to formally dispute the repossession of my vehicle, which I believe was conducted unlawfully due to your failure to provide a post-repossession notice as required by Texas law and the Fair Credit Reporting Act ( FCRA ), specifically under Section 609 ( 15 U.S.C. 1681g ). 

According to Texas law, lenders are required to send a post-repossession notice to the borrower, detailing the sale of the vehicle and any rights I may have regarding its redemption before the sale. To date, I have not received such notice, which constitutes a violation of my rights.

ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX Please consider this letter as my formal dispute regarding the repossession of my vehicle. I request that you provide me with the following information : 1. A copy of the post-repossession notice that was supposed to be sent to me.

2. Any documentation that supports the repossession and sale of my vehicle.

3. An explanation of the timeline and processes followed during the repossession. 

Additionally, I am requesting that you inform both credit bureaus, XXXX  and Experian , of this dispute and correct any inaccuracies related to the repossession on my credit report. 

Details of the Disputed Account : - Account Name : XXXX XXXX - Account XXXX Basis for Dispute : 1. Failure to Notify : Under the FCRA, I have the right to be notified of any negative information being reported. I did not receive proper notification regarding the repossession.

2. Lack of Court Order : According to Texas law, repossession can only occur with a court order if the vehicle is located on private property. I was not given the opportunity to rectify the situation before the repossession occurred.

3. Violating Lockout Protections : Texas law prohibits repossession agents from entering locked property without permission.

4. Improper Notice of Default : I was not given a proper notice of default or a chance to cure the default as required by Texas law.

5. Bankruptcy Protections : I had filed for bankruptcy on [ Insert Date ], which should have halted all collection activities, including repossession.

6. Missed Payment Notification : I was not provided with a clear, documented notice of missed payments that would have initiated the repossession process. 

I expect a prompt response to this letter, as well as any necessary documentation. Please respond to me in writing at the address provided above within 30 days. 

Thank you for your attention to this matter. I look forward to your timely resolution of this issue. 

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 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They closed our account do to fraud then they said sorry not fraud its payment issue which we fixed right a way all payments were made balanced kept on the card closed the account with out notice inaccurate information on the account do not want it to impact our credit this was inaccurate judgement from capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing a complaint against Westlake Financial Services regarding the wrongful sale of my vehicle after a reinstatement payment was accepted. 

My XXXX XXXX XXXX was repossessed on XX/XX/XXXX. That same day, Westlake approved a payment extension and reinstatement upon payment of specified amounts. Written confirmation of the extension was provided on XX/XX/XXXX. 

On XX/XX/XXXX, I paid {$1300.00} via XXXX, which included past-due payments, repossession fees, late charges, and an NSF fee . This payment was accepted as a condition of reinstatement. 

On XX/XX/XXXX, I contacted Westlake and was instructed to wait 23 days to schedule pickup of my vehicle. At no time was I advised that the vehicle had been sold or scheduled for sale. 

On XX/XX/XXXX, after contacting the repossession facility and being told the vehicle was no longer there, Westlake informed me for the first time that the vehicle had been sold on XX/XX/XXXX. I never received a Notice of Intent to Sell or any legally required pre-sale notice. 

Despite a formal written demand letter sent via CertifieXXXX Mail ( delivered XX/XX/XXXXXXXX  ) and electronically, Westlake has failed to provide a substantive written response. 

I dispute the deficiency balance, request a full refund of the reinstatement payment, correction of credit reporting, and compensation for damages resulting from the wrongful sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union is reporting a late payment on my credit report that I believe is inaccurate and/or not fully supported by documentation. I previously disputed this information and requested a full review, but the late payment continues to be reported. 

Disputed item Navy Federal Credit Union is reporting a late payment for : XX/XX/year>XXXX  ( 30 days late ) Actions taken I submitted a dispute requesting that Navy Federal and/or the credit reporting agencies investigate the accuracy of the late payment reporting. 

I requested documentation showing the due date, amount due, and payment posting history for the disputed month. 

Issue Navy Federal has continued reporting the late payment without providing clear documentation supporting the delinquency for XX/XX/year>. Generic verification without documentation does not resolve the dispute or confirm that the reporting is accurate. 

I am requesting that Navy Federal conduct a full investigation, provide documentation supporting the reporting, and correct or delete the disputed late payment entry if it can not be fully substantiated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: S & S Recovery, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSONis falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSONis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: Sezzle Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help 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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
This letter serves as a formal cease and desist letter and demand for debt validation pursuant to my rights under the fair debt collection practices act ( 15 usc 1692g ). 

You are hear by ordered to CEASE AND DESIST all forms of communication with me, my family, and my place of employment regarding this account without proper and complete validation of ownership and legal assignment of this debt. 

You are currently in violation of federal law by contacting and continuing to report this account to credit bureaus with sustaining your right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In 2025, I began noticing multiple credit accounts and transactions listed under my name with XXXX that I did not open, authorize, or benefit from in any way. I have never applied for these accounts, provided consent for their creation, nor received any goods or services associated with them.These fraudulent accounts were discovered while reviewing my credit reports. Upon identifying them, I immediately recognized that my personal identifying information had been used without my knowledge or permission.I did not share my Social Security number, date of birth, or other sensitive personal information with any individual or entity that would have authorized these accounts. I have no personal or business relationship with the merchants tied to these transactions.The presence of these unauthorized XXXX accounts has caused financial harm, emotional distress, and damage to my credit profile. I am taking immediate action to report this identity theft, dispute the fraudulent accounts, and prevent further misuse of my identity.I respectfully request that all fraudulent accounts, inquiries, and associated balances be removed from my credit reports and that any investigation confirms these accounts were opened without my authorization.I affirm under penalty of perjury that the information provided in this report is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
Eastern Revenue IncXXXX is reporting an inaccurate and misleading collection account on my credit reports and attempting to collect an amount that does not match what is being reported. 

Eastern Revenue IncXXXX reports a single open collection account with a balance of {$480.00} to XXXX XXXX, and XXXX  and lists itself as the original creditor. 

However, Eastern Revenue Inc.s own account portal shows that the amount they are attempting to collect is {$520.00}, which is comprised of multiple separate charges, including : {$480.00} attributed to XXXX XXXX XXXX XXXX {$8.00} labeled as a check fee {$35.00} labeled as an NSF fee These additional fees are not disclosed on my credit reports and have not been shown to be authorized by any agreement or by law. 

Additionally, Eastern Revenue Inc. is misrepresenting itself as the original creditor, despite its own records identifying XXXX XXXX XXXX XXXX as the original creditor. 

I formally disputed this account and requested validation. Eastern Revenue IncXXXX has failed to provide documentation establishing a legal obligation to pay, how the balance was calculated, or authority to collect the additional fees. 

I am requesting that Eastern Revenue Inc. either : Provide full lawful validation of the debt, including proof that the additional fees are authorized, or Delete this account from all consumer reporting agencies due to material inaccuracy and unverifiability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to THE BUREAUS INC. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency,
and I expect THE BUREAUS INC to provide complete validation.

To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to THE BUREAUS INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The contrast between my consistent on-time payments for this account and the XXXX  caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation