vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opoened XXXX savings account with CapitalOne Bank. My company transferred salary to thus Bank account. Bank found some transnational dispute. So, put tge account under review. And later closed this account in a month. I've no objection with bank decision till now.They said the salary amount will be refunded to the originator bank. Its been XXXX weeks im waiting for the refund but the originator bank ( XXXX  ) didnt receive the amount from CapitalOne yet. 
Receny during follow up i came to know from CapitalOne that they remove the money from my accohnt and closed it but the refund transaction is still on hold and there is no time frame that when they will transfer the money. 
I dont have any track of that amount. Customer agents are unable to provide any fruitful info about it. I'm so confused and frustrated with CapitalOne service. 
Requesting you to look into this matter urgently. 
Name : XXXX XXXX ACCOUNT : savings ( XXXX ) Bank : CapitalOne Amount : XXXX Case ID : XXXX Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i dont know how these accounts have been added to my credit report. please have these accounts removed from my credit report.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
On Friday, XX/XX/XXXX, I went out of town and attempted to use my CashApp card at the XXXX gas station twice. Apparently, the gas station pumps were down during this time. CashApp held XXXX dollars from my account throughout the entire weekend. I have tried to go to XXXX XXXX times to see what the hold up was, but they stated that CashApp is the one that has to finalize the transaction in order to give me my money back. Today is Tuesday, XX/XX/XXXX, I have tried to contact CashApp support on numerous occasions about this issue and they still have yet to place my money back on my account. Causing me to ask for money from friends and family members and go within XXXX dollars worth of my overdraft money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
ABLTY is falsely reporting on my credit. I have never had any accounts with them. Per my research ABLTY 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 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 2026-01-06 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: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
I disputed a {$360.00} purchase from XXXX for an XXXX that arrived scratched and defective. I provided evidence, including proof the item was supposed to be new and reviews showing a pattern of defective merchandise from this seller. 

Despite this, Current denied my dispute without properly addressing the damaged-goods claim and treated it as if the item was delivered as described. I am requesting that my dispute be reopened and reviewed under defective merchandise protections, and that I be credited for the damaged item I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Rapid Investments Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year> I, XXXX XXXX did an instant transfer of {$320.00} from a pay card called " XXXX XXXX XXXX '' to a pay card called " Rapid XXXX XXXX XXXX XXXXXXXX pm. The funds have not been posted to the receiving pay card yet and it has been over XXXX days. I have contacted both card entities and have been told to give it a few more days, but the transfer as stated was only supposed to take XXXX business days. I am in need of assistance to locate the funds I transferred. My contact # is XXXX. The companies # 's are as follows : XXXX XXXX XXXX XXXX Rapid XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid my mortgage on time and the company changed the escrow amounts and did not provide me with any notices of the change. I caught up the escrow amounts by the following month and the company is still reporting the payments as delinquent even though you can clearly see that the payment was made on the previous statement and caught up on the current statement.

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 2026-01-06 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
In XX/XX/year>, I discovered unauthorized PayPal Credit charges related to an online job scam. I did not authorize these transactions and did not receive legitimate goods or services. I reported the fraud to PayPal Credit and filed disputes in good faith.

PayPal initially issued credits related to the fraud. However, after reducing my available credit limit, PayPal later reversed those fraud-related credits and created a balance adjustment totaling {$100.00}. Of that amount, {$5.00} was already taken by PayPal from a prior credit, leaving a current negative balance of {$95.00}.

This balance was caused solely by PayPals internal dispute handling and credit-limit changes, not by any authorized activity on my part. I formally disputed the balance in writing and requested an explanation and a hold on collection activity.

Despite the balance being disputed and fraud-related, PayPal began sending payment demands and prompting bank withdrawals. PayPal did not provide a clear explanation or documentation justifying the reversal of fraud credits before attempting collection. 

I attempted to update a prior CFPB complaint regarding this matter, but the portal was read-only and did not allow updates. This complaint is submitted to document new harm, including improper collection activity related to a disputed fraud balance, and to request CFPB assistance in stopping collection efforts and correcting the billing error.

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 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This complaint regarding LVNV Funding LLC and its agent, Resurgent Capital Services, concerning an alleged XXXX XXXX XXXX XXXX account that is being reported and collected without proper validation and with a materially inaccurate balance. 



This alleged account was charged off on or about XX/XX/XXXX. XXXX claims a current balance of {$33000.00}. However, documentation they provided reflects an original financed amount of approximately {$32000.00}, with payments beginning XX/XX/XXXX. No lawful explanation or itemization has been provided showing how the balance increased beyond the financed amount, particularly after charge-off. 



Despite multiple written disputes, LVNV/Resurgent has failed to provide : A purchase agreement or bill of sale identifying my specific account Any forward flow agreement governing the alleged transfer A complete chain of title from XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX LVNV has XXXXegal standing or authority to collect A full accounting explaining the balance increase Instead, they continue to send a copy of an alleged electronic promissory agreement, which does not establish ownership, assignment, or the right to collect. Re-sending the same document does not satisfy validation requirements under the FDCPA. 



I am disputing : The ownership of the alleged debt The accuracy of the balance Any postcharge-off interest or fees XXXX XXXX authority to collect or report this account This conduct appears to violate the FDCPA ( 15 U.S.C. 1692e, 1692f, 1692g ) and the FCRA due to continued collection and reporting of an unverified and inaccurate debt. 



I am requesting that the CFPB require LVNV Funding LLC and Resurgent Capital Services to : Produce full proof of ownership and chain of assignment, OR Cease collection and remove this account from all consumer credit reporting agencies. 




This debt is not acknowledged and remains formally disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Someone tried opening an account with my information at truist.

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 2026-01-06 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am disputing how Navy Federal Credit Union handled a dispute involving charges for a mentorship and marketing program I purchased from a company called XXXX XXXX. 

I paid a total of {$8000.00} to XXXX XXXX : {$5000.00} for a mentorship program and {$3000.00} for marketing management. The company later asked for another {$3000.00} in ad spend even though there were no ads running and no systems in place. 

The services were not delivered as represented. There were no regular mentorship or strategy calls, no structured onboarding, no clear plan of action, no systems set up for my business, and no ads running. Communication with the company was poor. I repeatedly requested XXXX ( XXXX ) ad account login access and was told I should already have it, but it still was not provided after several days. I was also told on a call that ad creatives were already completed, then later received a text saying they still needed my logo to finish them. The few creatives that were eventually provided were generic and last minute. 

I filed a dispute with Navy Federal Credit Union because of nondelivery of services. Navy Federal refunded {$3000.00} related to the marketing portion but denied the {$5000.00} mentorship portion even though both charges were part of the same package and were affected by the same lack of services. The evidence I provided ( showing poor communication, no structured mentorship, no functioning ads, and misrepresentations about completed work ) applies to the entire {$8000.00}. 

I am requesting that the CFPB review how XXXXavy Federal handled this dispute and ask Navy Federal to reconsider the remaining {$5000.00} mentorship portion for refund, since the same nondelivery and misrepresentation applies to the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: IL

Complaint narrative:
A company that identifies themselves as Unifin sends repeated text messages that read This is Unifin, a debt collector. Contact us about ref # XXXX @ XXXX or XXXX ChargesMayApply Reply STOP to stop texts. They do this roughly once a day, and from different phone numbers constantly. Some light research showed me other people were getting this scam too, so I have not interacted with it at all besides reporting it as spam. I know I have no debt, and have not seen any impact on my credit, and the company has failed to address me by name, so I am relatively certain this is a scam to steal peoples identities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: Marlette Funding, LLC
State: AL

Complaint narrative:
On XX/XX/year>, Best Egg attempted an unauthorized {$540.00} ACH debit from my bank account. This occurred after I provided written notice revoking my authorization for electronic fund transfers, as permitted under 12 C.F.R. 1005.10 and Paragraph XXXX of my Loan Agreement. 
On XX/XX/year>, Best Egg confirmed in writing that they are 'refunding ' this payment. This admission proves that my revocation was ignored and that their internal compliance systems for Regulation E have failed. 
Simply returning the money does not excuse a 'willful " violation of the Electronic Fund Transfer Act ( EFTA XXXX under 15 U.S.C. 1693f. 
I am also challenging the True Lender standing of Best Egg to collect a XXXX XXXX APR in XXXX, as their direct management of this refund confirms they hold the predominant economic interest in this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
In XX/XX/2025, I sent a certified letter to Ability Recovery Services asking them to verify the debt by providing proof with the history of the account, the original agreement, chain of custody and proof that they are able to collect in the state of Georgia. I will attach what they sent back. 
Prior to that, I sent certified letters to all 3 bureaus asking them to verify the debts with the above information and provide the method of verification. They did not respond, except to say that it was verified. 
I dispute this account, but neither the credit bureaus or Ability is addressing my concerns and the dispute. I sent Ability a cease and desist letter. They are still reporting the debt. This debt should not be reported without the proper verification and address of my dispute.

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 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: VT

Complaint narrative:
I am writing to formally address an ongoing issue regarding the inaccurate reporting of my payment count. Despite my repeated requests to your models for correction, it appears that my account is not accurately reflecting the 118 payments I have made. Currently, only 82 payments are being accounted for, and this discrepancy remains unresolved despite multiple reconsideration requests. Additionally, I submitted an opt-out request for SAVE and forbearance periods, which I believe should have been considered in the payment count. I have even offered to buy back the months that were not included, but no satisfactory resolution has been provided. If this issue is not resolved promptly, I will be forced to take further action, including potentially hiring legal counsel. I plan to make my final two payments this month and next, after which I will reassess my options based on your response. I appreciate your attention to this matter and expect to hear from you at your earliest convenience.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I have been submitting my required XXXX forms to this company since XX/XX/year>. I enlisted in XXXX. I have been actively participating in drill since enlistment. I have complied to the law in submitting said documentation since my enlistment. This is my fourth time sending the documents to this company. The compliance department contacted me stating they dont have active documentation of my enlistment. This is not true. All finance companies and credit card companies have complied to the law and processed my paperwork. This is the only company giving me the run around. I am not satisfied with the progress thus far, even while working with the compliance department and would like to escalate this case to a member of management. I deploy in 10 days and will not have access to a computer and phone. This needs to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I need help with all of these inquiries are not mine, I want to BLOCK AND REMOVE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I need help with all of these inquiries are not mine, I want to BLOCK AND REMOVE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2026-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
I have made all required payments. My records confirm that my XXXX installment was paid in late XXXX and that the installment due XX/XX/year> has also already been paid. Despite this, my account is incorrectly displaying an unpaid balance, an incorrect next due date, and associated fees. 

I have written confirmation that payment has been made and taken out of my checking account.

Company response to consumer: Closed with explanation