vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Beginning approximately XX/XX/year>, my debit card was stolen and used without my authorization to make over XXXX fraudulent transactions totaling approximately {$10000.00} across multiple merchants over approximately XXXX days. The transactions were deliberately kept small to avoid detection and blend into normal account activity. I discovered the pattern and reported it immediately to Capital One. I filed XXXX fraud disputes. XXXX were denied within XXXX days under claim numbers XXXX, XXXX, XXXX, and XXXX. The denial reason cited was my assertion about card possession. XXXX days is insufficient time to investigate over XXXX transactions across multiple merchants. The fraudulent charges included merchants I have never used and have no accounts with including XXXX, XXXX or a XXXX XXXX Device, XXXX XXXX and multiple international airline flights. Charges in XXXX, when I was in XXXX. Capital One denied my claims without contacting a single merchant to verify whether the accounts associated with these charges belonged to me. I was required to verbally identify over XXXX transactions during a XXXX hour phone call with an agent who had significant difficulty communicating in XXXX. Critical details from that call appear to have been recorded incorrectly, which became the sole basis for denying XXXX claims totaling over {$10000.00}. When I called to file a rebuttal, an agent filed it without collecting any statement or information from me. When I requested to provide my statement I was given no clear process by multiple agents. I was forced to submit my statement via email with no confirmation it was reviewed. Because Capital One failed to conduct merchant verification, I conducted it myself using FTC Identity Theft Report number XXXX. XXXX confirmed the account associated with my card was registered to an unrecognized email address and a XXXX phone number. XXXX independently removed my payment method from that account and cancelled it entirely confirming the account was not mine. Capital One never made this basic verification call themselves. I am continuing to personally reachout to each vendor to understand what happened. Capital One 's own decisions further contradict the denials. On XX/XX/year>, Capital One issued provisional credit on claim XXXX covering the same card, the same account, the same fraud pattern, and the same timeframe as the XXXX denied claims. The only difference is what XXXX different agents recorded on XXXX separate calls. Capital One can not simultaneously conclude the card was stolen on XXXX claim and authorized on XXXX others involving identical circumstances. I am requesting that Capital One reopen all XXXX denied claims, conduct proper merchant verification on every disputed transaction, and issue provisional credit on the full denied amount while the investigation is conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
An XXXX/Comenity account was opened without my authorization. I paid {$1000.00} in cash directly to the clinic, yet a credit line was still opened for {$4100.00} without my consent. I never received the services ; instead, I sustained a severe XXXX XXXX ( XXXX Case # XXXX ). The credit reporting is fraudulent : XXXX claims I made 'on-time ' payments in XXXX XXXX but I had no knowledge the account existed until XX/XX/year>. This proves the company is reporting fabricated payment data. Furthermore, the credit bureau only 'corrected " the status from 60 to 30 days late instead of deleting the unauthorized trade line entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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:
XXXX. {$44.00} XX/XX/year> {$120.00} XX/XX/year> {$50.00} XX/XX/year> {$74.00} XX/XX/year> {$500.00} XX/XX/year> {$350.00} XX/XX/year> {$260.00} XX/XX/year> {$400.00} XX/XX/year> Total : {$1800.00} XX/XX/year> I did not authorize these charges. They were done while I was sleeping, and a girl I was seeing at the time accessed my Cash App account and sent these transactions without my knowledge. I filed a case almost immediately on XX/XX/year>, to request a refund. Cash App initially told me the case ( XXXX ) would be resolved in XXXX business days. XXXX business days passed with no communication or update. I called Cash App to inquire when the case would be resolved, and I would be refunded my money. Cash App then told me XXXX calendar days. XXXX calendar days passed. I call and call and call to get an update, but no one can say when it will be resolved, and I keep getting conflicting information from different departments within Cash App. Cash App then tells me that, XXXX calendar days after I filed the dispute, the dispute/case would be resolved. XXXX calendar days have passed, and I can not get a clear answer as to what is going on with my case ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
Vanilla Gift Card can not be use anywhere, they have sent me replacement cards XXXX times and it would still not take it anywhere. I have XXXX cards and each with {$500.00} on it. At this point its fraud and theyre holding money in these gift cards cause they dont have money to pay it out. This is straight up fraud and worst than the learing center. The corporation/bank that back vanilla gift card can go to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX a charge for {$140.00} I immediately called the bank and asked for transaction details, they were unable to tell me if the charge was online or in store. There was no contact information and I do not live in South Carolina. They advised me it will be reported and I will recieve a claim confirmation letter. I never recieved the confirmation letter but continued to recieve statements. They charge the transaction back to the account on XX/XX/year>. I asked for the documents that were used to make this determination I was advised they could not provide a copy but was told over the phone the merchant provided documents that all the information matches. Again I do not live in South Carolina and was not traveling on the date and called immediately when the charge was pending. I was advised I will need to work with the merchant for this transaction and I do not know who they are and they could not give a phone number. I told them I would get a lawyer and they removed my accounts from their online platforms so Im unable to review them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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:
I am filing this complaint for a total of {$1100.00} across two transactions involving a single contract with the merchant XXXX XXXX XXXX ' ( XXXX XXXX XXXX. XXXX. INCONSISTENT ADJUDICATION : Capital One has already granted credits for other installment payments under this exact same contract ( such as Case # XXXX ), thereby formally recognizing the merchants breach. However, for the same contract and breach, Capital One has denied Case # XXXX ( {$1000.00} ) and Case # XXXX ( {$190.00} ). It is a major procedural failure for a bank to validate a breach for some installments but deny others under the same agreement. 2. PROCEDURAL ERROR & FAILURE OF DUE DILIGENCE : On XX/XX/XXXX, Capital One sent a formal request for information stating I had until XX/XX/XXXX, to submit documentation. Capital One issued a final denial on XX/XX/XXXX, XXXX hours before the deadline. While the bank may claim a right to decide early, doing so while ignoring physical evidence of an unexecuted contract ( Line J ) constitutes a failure of due diligence and a denial of my right to a fair dispute process. XXXX. UNEXECUTED CONTRACT ( LINE J ) : The merchant is enforcing a 'forfeiture ' of funds. However, the 'Liquidated Damages ' clause in the contract ( Line J ) was never initialed or executed by me. I have provided photo evidence of the blank contract lines. The bank is facilitating a merchants unauthorized XXXX of funds by refusing to review this physical evidence. XXXX. MISAPPLICATION OF NETWORK RULES : Capital One is incorrectly applying a XXXX billing error timeframe. This is a 'Services Not Provided ' claim under XXXX XXXX XXXX. Per the contract ( Clause D ), services were physically restricted until final payment in XX/XX/XXXX. The breach ( total lockout ) was discovered on XX/XX/XXXX. Under network rules, the 120-day clock begins at the Date of XXXX, not the original transaction date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: VA

Complaint narrative:
Lockhart, Morris and Montgomery located in XXXX, Texas on behalf of XXXX XXXX based in XXXX, Tennessee is saying I owe them {$2500.00} for training costs. However, in the contract we signed on XX/XX/XXXX states that the {$2500.00} cost will be voided as long as the employee works a minimum of XXXX days from the effective date listed on the contract which is XX/XX/XXXX. I was officially an employee from XX/XX/XXXX ( first day I got paid for truck driver training ) to XX/XX/XXXX. This would put me at around XXXX days worked, satisfying the {$2500.00} " debt '' for training costs. The contract states that any work involving truck driving or related activities even during training count towards the XXXX employment term. Unfortunately, XXXX XXXX is not fulfilling the contract they made and signed saying the training doesn't count and only days after getting assigned a truck count post-training. I got assigned a truck around XX/XX/XXXX ( which their saying would put the days at XXXX ) which is how they are saying I didn't fulfill the employment term of XXXX days. I sent them proof highlighting the parts of the contract that defend my claim I satisfied the contract 's terms including paystubs, email from my XXXX, and highlighted aspects of the contract itself. Both Lockhart, Morris and Montgomery and XXXX XXXX are refusing to honor the contract and are threatening to put the {$2500.00} on my credit anyways which is a breach of their end of their contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion received my certified dispute on XX/XX/year>, as proven by the attached USPS XXXX Domestic Return Receipt. In that dispute, I provided TransUnion with judicial evidence, creditor admissions, and documentary proof demonstrating that the XXXX XXXX account reported under number XXXX is inaccurate, contradictory, and legally unverifiable. I granted TransUnion XXXX calendar days to conduct a reasonable investigation and provide validation. The deadline was XX/XX/year>. TransUnion never responded, never notified me of any investigation, and never provided results or documentation. Despite receiving my dispute and evidence, TransUnion continued reporting the same information without correction, deletion, or reinvestigation. My TransUnion credit report dated XX/XX/year> shows that TransUnion made no changes to the account, proving that no investigation occurred. This is a direct violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 2 ) Failure to notify the furnisher 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide investigation results 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy TransUnion ignored the following evidence included in my dispute : XXXX XXXX of XXXX ( XXXX XXXX ), proving the alleged debt lacks legal standing. XXXX written admission ( XX/XX/year> ) that the original signed application was destroyed and can not be produced. Without the contract, the debt is legally unverifiable. Contradictory balances and pastdue amounts across TransUnion, XXXX XXXX XXXX XXXX own internal portal. Mathematical impossibilities, including a fabricated {$880.00} discrepancy and a {$1.00} highbalance error. Chronological inconsistencies, including reporting updates that do not match payment history grids. AMEXs inability to validate the account under FCRA, TILA, and FCBA. Despite receiving all this evidence, TransUnion did not investigate, did not contact me, did not contact the furnisher properly, and did not provide any results. TransUnion simply continued reporting the same unverifiable information. Because TransUnion failed to investigate, failed to respond, and continues to report information that XXXX itself can not validate, the account is legally unverifiable and must be deleted.

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 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
They keep calling. XXXX verified I even owe no mail just calls. I told them cease dissist. Under FDCpA law they are to stop, each violation is {$1000.00} and I want to pursue it. So far XXXX called multiple times but I have the screenshot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I mailed written disputes and requests for verification to the creditor by certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have certified mail receipts showing delivery, but the creditor failed to respond to my requests or provide the documentation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2026-05-15 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: TN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
The whole town of XXXX NC XXXX XXXX XXXX me out of my money my father left me XXXX XXXX XXXX this is XXXX XXXX XXXX he left me a offshore account. And they all said I could not have it until they all get enough to retire on. The have the XXXX involved and I can not do anything about it they use XXXX to torcher me and hack my phone and the XXXX hacks it my brother works for them so it's hard to get anything done they all betrayed me for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: FL

Complaint narrative:
I made a transfer several months ago, and it's still pending. They're not doing anything to return my money. I already filed a complaint here, but they closed the case, and I still haven't received my money. I'm very upset because I still haven't gotten my {$200.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I wrote in to NewRez LLC now 5 times and they repeatedly respond with lies about home owners insurance being collected by them when 1 ) the first 11 months post their purchase of the loan they did not collect homeowners insurance in escrow, 2 ) my final loan disclosures do NOT include escrow for taxes or insurance. They made this up, added it to my bill and have been stealing money from me of their own accord.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Venmo let me get hacked and 3 times in 4 days. XX/XX/year> till todays current date XX/XX/year>. $ XXXX was taken from my account and I live paycheck to paycheck. I was without money for Mothers Day and now cant get food or gas because they have yet to refund me. I call everyday to see with no resolution. Told the same thing with me asking for more help. And even after it was hack they let my account go into the negative and now owe them. From my Venmo being linked to my other bank accounts they were able to access them also. Still waiting to get my money back almost after a week and they told me it could be up to 10 days. HELP I can afford gas or food for my family!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Account ending in XXXX was in a negative XXXX of 45 days status as of XX/XX/year>. Went into branch paid {$120.00} to bring account back up to active. Received notification account was active after charge recovery message as well. Rbfcu representative XXXX at XXXX XXXX branch informed me he had to call assesst due to notes on my account and received approval to proceed with recovering the negative account. Representative then called bankruptcy department and was informed to close the account. Representative then called assesst department due to receiving conflicting information from bankruptcy. XXXX department then told him again that member had the option to close the account if I wanted to in which I informed him NOT to close the account. I then sent emails and messages to chat representative informing them I do not wish to close the checking account. Checking account was closed immediately after I sent the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: ME

Complaint narrative:
I am filing this complaint against XXXX XXXX for a bad-faith refusal to reverse a fraudulent charge of {$220.00} for a car rental booked through XXXX. On XX/XX/year>, my family and I arrived at the XXXX location at XXXX XXXX XXXX XXXX XXXX ) XXXX an infant. The rental agency was unable to provide the vehicle because XXXX failed to provide valid billing data ( their system showed the information as " null '' ). I have an email from the rental agency representative, XXXX XXXX, explicitly stating that they could not fulfill the reservation due to this error and requesting that a refund be issued to us. Despite submitting this proof twice, XXXX has repeatedly sided with XXXX. XXXX is falsely claiming that we " cancelled '' the reservation to avoid issuing a refund. We did not cancel ; we were stranded at an airport and forced to pay out of pocket for a second rental because XXXX failed to perform the service I paid for. By ignoring direct evidence from the service provider and refusing to correct this " Service Not Received '' billing error, XXXX is in violation of the Fair Credit Billing Act ( FCBA ). They have also blocked my ability to resolve this through their digital portal, forcing me into useless automated loops. I demand an immediate reversal of this {$220.00} charge.

Company response to consumer: Closed with monetary relief