vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint against JPMorgan Chase Bank Card Services ( JPMCB ) for the continued reporting of unverified and potentially inaccurate late-payment information on my consumer credit reports in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). On XX/XX/XXXX, I formally requested that JPMCB verify the accuracy and calculation of the alleged late payments reported for the months of XX/XX/XXXX through XX/XX/XXXX on account number ending XXXX, including confirmation that the delinquency status aligned with JPMCBs internal payment records and account balance at the time. To date, JPMCB has failed to provide competent evidence, documentation, or a reasonable explanation substantiating the reported late-payment history, yet continues to furnish this derogatory information to the consumer reporting agencies. Reporting unverifiable or improperly calculated late payments constitutes inaccurate furnishing and causes ongoing financial and reputational harm. JPMCB CARD XXXX....

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX: I received a letter from resurgent and LVNV Funding, LLC advising of a debt with XXXX XXXX: i sent a letter by certified mail (XXXX XXXX XXXX XXXX XXXX) requesting resurgent and LVNV Funding, LLC verify the debt and produce, a copy of the original agreement or application with XXXX XXXX XXXX; a complete account history, including all charges, payments, and interest calculations; and documentation showing legal assignment or transfer of the alleged debt to LVNV Funding, LLC.XXXXDate Unknown: I received a response to my letter wherein resurgent and LVNV Funding, LLC what looked to be a statement (prepared by resurgent capital services).XXXX: I sent a second letter by certified mail (XXXX XXXX XXXX XXXX XXXX) requesting resurgent and LVNV Funding, LLC verify the debt and produce, a copy of the original agreement or application with XXXX XXXX XXXX a complete account history, including all charges, payments, and interest calculations; and documentation showing legal assignment or transfer of the alleged debt to LVNV Funding, LLC.\XXXX: I received a letter from resurgent capital services acknowledging receipt of my previous letter stating "please find enclosed verification of debt".  Included in their letter was an "Account Summary Report" prepared by resurgent capital services.  To date resurgent Capital Services and/or LVNV Funding, LLC has failed to provide sufficient information to verify the debt as outlined in the FDCRA.XXXX: I am filing this cfpb complaint.  I am also sending a final letter to resurgent capital services and FVNV Funding, LLC, advising that they have failed to provide sufficient evidence to validate the debt despite numerous requests and that any further attempt to collect this alleged debt is a violation of the FDCRA and may result in legal action.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: RI

Complaint narrative:
Dear CFPB, please see the attached supporting documentation detailing United Collection Bureaus continued violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to properly validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MA

Complaint narrative:
Account XXXX credit card # XXXXXXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXXXXXX XXXX XXXX XXXX XXXX  as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized transaction on my Capital One debit account. The transaction amount was approximately {$1400.00}, and it was not made or authorized by me. 

I contacted Capital One immediately on XX/XX/year>, to report the transaction as fraud. Capital One acknowledged receipt of my claim on that date, confirmed the amount, and assigned a claim number. I was informed that the bank was actively working on the investigation. 

Despite reporting the issue promptly, my initial fraud claim was later denied based on electronic activity / login history. Capital One did not provide the specific records or documentation supporting this conclusion, despite my request for further details.

Importantly, the unauthorized transaction was conducted using a digital debit card, not my physical debit card. Capital One initially treated the transaction as if it were made with a physical card, which is incorrect. A physical debit card had been issued to me approximately XXXX month prior, but that card was never activated and never used. Therefore, it could not have been involved in this transaction. 

After identifying this error, I contacted Capital One again and requested that the case notes be corrected to reflect that this was a digital debit card transaction. I also requested a re-investigation / appeal, which Capital One confirmed had been submitted for further review. 

This situation has caused me significant financial hardship, affecting my ability to manage essential daily expenses. I am requesting that Capital One conduct a fair, thorough, and manual review of this matter, taking into account that the physical card was inactive and that the transaction was unauthorized. I am seeking a full refund or credit of the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: WI

Complaint narrative:
They closed the account and charged it as a profit loss but keep charging me interest when that was not in the original contract and loan should of been paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
TRANSWORLD SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEM INC 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 explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My Capital One ( Kohls ) credit card payment due date has always been the XXXX of the month and I have always paid on the XXXX or a day or XXXX before the due date. I received a text message on XX/XX/year> from Capital One that said my payment was late I called Capital One ( the number on the back of my credit card ). I requested to speak to a customer service representative. The representative stated my payment due date was indeed the XXXX like the text had said. I argued with the representative that my payment has always been due on the XXXX, she stated the computer says in the XXXX. This is the second time Capital One changed my due date without notice and charged me a late fee. I cancelled my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I paid my mortgage payment of XXXX through the company 's online portal. The company is XXXX On XX/XX/XXXX the company then charged me another payment for the XXXX mortgage and this overdrafted my account, including overdraft fees to an amount of XXXX. I asked if they would reverse the second payment that was deducted in error. The Customer rep told that was not possible and I would have to request a refund which would take up to a week to process. I asked to speak to a supervisor. XXXX, ID no. XXXX told me the same thing, that I would have to request a refund even though it was their error and he gave me the process. XXXX told me it was their " policy '' and that there was nothing he could do to resolve the issue. He reiterated the process to ask for a refund. I have had this mortgage since approximately XXXX and feel that their " service '' is reprehensible.

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 2026-01-09 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: Dave Operating, LLC
State: NC

Complaint narrative:
So I had a suspicion that my bank account was slowly draining. I asked my bank provider ( Dave, XXXX XXXX XXXX XXXX ) to investigate it. They said they only saw my XXXX subscription ( {$10.00} ) and my auto loan ( {$300.00} ) I pay those every month. Anywho, I knew something was off, they insisted that there was absolutely no suspicious activity on my account. Granted I was actively checking too, I couldnt see any. Then I get my 6 month statement, I have 24 total transactions starting on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX from a company called XXXX. The transactions were almost daily, ranging from {$20.00} to {$100.00}! And the ONLY solution they provided me was a new card. I had over {$860.00} stolen from me, all charges from Florida, I live in NC and never even been to Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX there were four times unauthorized withdrawals of {$2000.00} each time from my TD Convenience Checking Account in different teller in one day while I was out of the XXXX traveling. I found out today XX/XX/XXXX while I was randomly checking my TD bank accounts and called the the number in the back of the debit card and complained about unauthorized withdrawals. Meanwhile my debit card is expiring on XX/XX/XXXX and supposed to receive a new card expected in XXXX of XXXX which I did not receive. I mentioned that to customer service, then they told me to go to a TD Bank physically and sign a affidavit of forgery. I went to the nearest TD Bank and explained my situation and recommendation from the customer service by telephone, the bank officer did submit claims for those unauthorized withdraw amounts total of {$8000.00}, closed the affected account, opened a new account with new ATM card and told me to sign affidavit form and also told me it might take seven days, some case thirty to ninety days to refund my money to new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding ongoing issues with one or more American Express ( Amex ) prepaid gift cards that I bought. Despite following all instructions provided by American Express, I have been unable to successfully use these cards as intended. I purchased a gift card on XX/XX/XXXX with {$300.00} on it. I have attempted to use the prepaid gift cards for legitimate purchases, but the transactions have repeatedly been declined. When I contacted American Express customer service, I was either unable to obtain a clear explanation or was given information that did not resolve the issue. In some instances, the cards were declined despite having sufficient funds and other times customer support did not provide a workable solution or follow-up. These issues have prevented me from using the funds I paid for, and I believe this constitutes an unfair or deceptive business practice. Now the card is on HOLD with no specific reason as to why. 

Gift Card : XXXX Exp XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
I have received two notices from Caine & Weiner for the same account which I have already paid directly to XXXX XXXX XXXX. The Account numbers XXXX & XXXX. 
Both of which reference the same account number with XXXX XXXX XXXX of XXXX. 
I received an invoice from XXXX XXXX XXXX on XX/XX/year> and paid them directly. 

I emailed with the company the above information advising that both of these accounts had been paid as XXXX XXXX XXXX submitted the same debt to them twice. I emailed with them on XX/XX/year>. They requested documentation showing the payment which I sent them the same day. I just received notice on my credit report in XXXX that one of the accounts is showing as not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Today, XX/XX/year>, at approximately XXXX, I called the PNC Bank XXXX XXXX XXXX XXXX only to contact a management to try and resolve XXXX items that were subscription fees and I received an email from PNC Bank that they paid these two subscription amounts and charged me two NSF Fees. I spoke with a PNC customer service name XXXX and I stated to him that I needed to speak to a manager regarding my account, XXXX stated to me why are you requesting a manager and I advised him that it is between me and the manager. XXXX was adament that he needed to know why and his mouth was just mouthing off, constantly talking over me with an attitude and just absolutely made me upset and I got his name and advised him that I am going to report him to the PNC Corporate Office Complaints and he got really smart and said go right ahead. So, I hung up, there was no resolvement but total bad attitude and disrespect from a PNC customer service agent. Please help, I need to speak to management from PNC Corporate Office regarding my issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Perpay, Inc.
State: MA

Complaint narrative:
I received a Perpay credit card in the mail that I never applied for, requested, or authorized. 

I do not have a Perpay account and have never signed up for Perpay services. Despite this, a physical credit card was issued and mailed to my home address. 

The card number I received XXXX. 

I contacted Perpay customer support, but they stated they can only assist if I email from an account-linked email address. This is not possible because I do not have a Perpay account, which is the core issue. 

I am concerned that my personal information may have been used without my knowledge or consent. I am requesting that Perpay investigate how this account was created, immediately close and cancel any account associated with my identity, confirm that no charges or balances exist, and confirm that no credit reporting or inquiries were made in my name. 

I am also requesting written confirmation of the findings of their investigation. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I previously had a credit card account with this bank. Several months ago, I contacted the bank directly to make a payment and was informed that the account was no longer with them and that the debt did not exist with the bank because it had been sold or transferred. 

Despite this, the bank continues to report the account on my credit report as a charged-off account with a balance, as if it still owns the debt. 

I also received collection notices from two different collection agencies at different times. I sent a certified debt validation request to the most recent collection agency, but they never responded. 

I disputed the account with Experian, but it was verified electronically without the bank providing me with any documentation proving ownership or the legal right to report the debt. 

I am disputing the accuracy of this reporting because the bank is reporting an account it no longer owns and has failed to provide proof of ownership or proper authority to report this debt.

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
This complaint concerns inaccurate and misleading credit reporting by a former mortgage servicer. The mortgage was transferred to XXXX XXXX XXXXXXXX, which currently reports the account as open and never late. 
Despite this, the prior servicer continues to report multiple late payments during XXXX. These reported delinquencies are not reflected in the successor servicers records and do not represent the loans actual performance. Since the servicing transfer, the loan has remained in good standing, and PHHs reporting confirms no delinquency history. 
The former servicer no longer services this loan and is furnishing obsolete and conflicting information that misrepresents the accounts true status. Reporting the same mortgage as delinquent by one servicer and never late by another is inaccurate and misleading.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers are required to report information that is accurate, complete, and verifiable. Information that is misleading or can not be verified must be corrected or removed. I previously attempted to resolve this issue, but the inaccurate reporting remains and continues to negatively impact the credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TClub Inc
State: IN

Complaint narrative:
App based money transfer service deducted $ XXXX {$2.00} ( fee ) from my XXXX XXXX  account but not delivering any amount to my XXXX XXXX account. They are not replying to me what is wrong.

They are just keep saying that they have created a high priority ticket but since one month i did not get any update on ticket. They never pick my phone, and never reply on online chat. just sometime they reply on email with ticket number.

Transaction has been initiated on XX/XX/year> and I am still waiting for an update or my money. I have exchanged 39 emails but no resolution.

Abound ( Tclub Inc ) Transaction id : XXXX. 
The service ticket number provoided by them : XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I notified Experian of an unauthorized hard inquiry from XXXX XXXX dated XX/XX/2025. Instead of conducting a lawful investigation, Experian improperly shifted the legal burden onto me, demanding that I prove the inquiry was unauthorized. 
Under FCRA 604 ( a ), a consumer reporting agency may only report inquiries with a permissible purpose. No such purpose exists for this inquiry. Experian failed to verify or remove the inquiry and refused deletion without creditor-provided documentation, which is not required by law

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