vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has frozen my new credit card account for over 14 days due to a false-positive fraud alert on a {$400.00} purchase well under my {$2000.00} limit. They are holding my account hostage by repeatedly quoting a " 1 to 10 business day review policy, '' despite the fact that my initial documents were submitted two weeks ago, meaning they have already violated their own timeline. Since then, I have uploaded an official lease amendment from XXXX XXXX XXXX proving my legal status as an authorized occupant, bank records showing monthly rent transactions to the primary leaseholder ( XXXX XXXX ) named in that contract, a system-generated XXXX XXXX XXXX Account Verification/Direct Deposit form showing your matching name and XXXX address, statements showing proof of income, and my ID. Their customer service line has been unhelpful and this is unacceptable considering its been 2 weeks now. I spoke to a supervisor named XXXX with Employee ID number XXXX and she claims she added a note to expedite the process but that it couldnt be resolved immediately despite it already being past their 1-10 day window. I want Capital One 's executive team to manually review my verified residency documents and immediately remove the restriction on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Beginning in 2026, I disputed multiple accounts appearing on my consumer credit reports due to inaccurate, inconsistent, and questionable reporting across Equifax, TransUnion, and Experian. The disputed accounts include XXXX XXXX, XXXX XXXX XXXX, and multiple XXXX XXXX XXXX XXXX accounts. I identified significant inconsistencies in how these accounts are being reported across the nationwide consumer reporting agencies. For example, the XXXX XXXX XXXX XXXX accounts are reporting only with XXXX while no corresponding reporting appears with XXXX or Experian. Additionally, the XXXX account was previously removed from my credit report but later reappeared without sufficient explanation or documentation supporting the reinsertion. The XXXX XXXX XXXX account is also reporting conflicting delinquency information across the consumer reporting agencies, including different delinquency statuses and payment history reporting for the same account. I submitted disputes requesting complete verification of the reporting, including payment history, account-level documentation, dates of first delinquency, and documentation supporting the accuracy and completeness of the reported information. Despite these requests, the accounts continue to be reported inconsistently and without sufficient documentation being provided to support the investigations conducted. I also requested documentation supporting how the disputed information was verified and how previously deleted information was reinserted onto my credit report. However, no meaningful explanation or supporting documentation has been provided. Because of the ongoing inconsistencies, reinsertion concerns, and lack of complete verification, I do not believe reasonable investigations have been conducted as required under the Fair Credit Reporting Act.

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 2026-05-25 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: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
I am requesting reconsideration of my dispute for the {$540.00} purchase dated XX/XX/year> from XXXX XXXXXXXX XXXX. From shop with my XXXX card After placing the order, the delivery information and order details disappeared from my account history within a few days. I never received the merchandise, tracking information, or any response from the merchant. I am unable to locate valid business information for this merchant online. This appears to be a non-delivery or potentially fraudulent transaction. I respectfully request that this dispute be reopened under Goods/Services Not Received and reviewed again. I can provide screenshots and supporting documentation upon request. Credit card companies is not copersting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or around XX/XX/year>, a Certificate of Deposit ( CD ) held with Capital One matured after being maintained for approximately two years. The CD originally contained funds that were fully legitimate and traceable. The CD was initially opened for one term and later renewed for an additional term while planning for a future home purchase. After the CD matured, funds were transferred between personal accounts owned by me. Account ending in XXXX contained approximately {$190000.00}, account ending in XXXX contained approximately {$100000.00}, and account ending in XXXX contained approximately {$52000.00}, for a total of approximately {$350000.00}. Part of the transferred funds was also used to repay legitimate personal debt owed to my wife because the money had been inaccessible during the time it was held in the CD. Shortly after these transfers, Capital One restricted all associated accounts after stating the activity triggered a review or flag. Since that time, repeated attempts have been made to obtain clarification, updates, and resolution from Capital One. However, despite more than nine months passing, no meaningful explanation, timeline, or final resolution has been provided. The funds originated directly from a matured CD issued by Capital One itself, and the transfers involved personal accounts and legitimate personal financial obligations. Multiple requests have been made for information regarding why the restrictions remain in place, whether additional documentation is needed, and when access to the funds will be restored, but the only response consistently provided has been to continue waiting. A formal review and assistance are being requested due to the prolonged restriction of accounts and lack of clear communication or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: GA

Complaint narrative:
Theres a XXXX XXXX listing named XXXX auto sales, them and a so called agency have been scamming me out of money approximately {$2400.00} throughout the course of 10-11 transactions, I have a pleathera of screenshots proving me being scammed plus the biggest piece of evidence them never sending me a car in the first place, I believe chime denied the claim because of either lack of evidence, it being too late, or the fact that I sent the money myself, either way I was still scammed and would like my money back I have bills to pay and {$2400.00} is a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: NY

Complaint narrative:
Escalation Request Lack of Human Account Review and Arbitrary Renewal Handling for High-Volume Account I am submitting this complaint to request a formal human review of my account handling by Capital One. I am a high-volume client with over {$100000.00} in annual spend on my Capital One XXXX XXXX card. My annual fee posted on XX/XX/year>. When I contacted customer service to discuss account maintenance, renewal options, or a retention review based on my significant financial relationship with the bank, front-line representatives refused to escalate the request. They stated that their automated system dictates all account decisions and that no human has the ability to manually review or override account management decisions. Treating a customer with significant six-figure spend through rigid, unyielding automated algorithmswhile completely blocking access to human escalation or manual relationship managementconstitutes arbitrary and unfair account handling. I am requesting that a high-level corporate analyst manually review my account history, spend volume, and customer profile to provide a human-driven resolution regarding my annual account renewal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In XX/XX/XXXX, a PayPal Credit account ending in XXXX was opened using my personal information without my authorization. I reported this to Synchrony Bank as identity theft. Synchrony acknowledged my dispute, closed the account, and assigned a fraud investigator. Despite this, they denied my fraud claim and transferred the balance to a new account ending in XXXX that I never applied for, never received, and never used. That account contains large fraudulent purchases at merchants including XXXX XXXX and XXXX that I did not make. Synchrony Bank has now filed suit against me in XXXX XXXX XXXX XXXX, Virginia, Case No. XXXX, hearing XX/XX/XXXX, seeking {$5100.00} for charges on an account created without my authorization. Synchrony 's own letters dated XX/XX/XXXX and XX/XX/XXXX confirm the fraudulent origin of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have tried several times to make payment. I linked my bank account but PayPal refuses to accept payment or link bank properly. It just keeps looping and saying my payment is past due. I paid straight to Synchrony Bank but PayPal is not acknowledging it.

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 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
The date was XX/XX/year>. The company was Chase, which I have a cash back and rewards based credit card with them ( Chase Freedom XXXX ). Cash back is offered but apparently only if you have a checking account with them and there is no option to have a check sent to you instead, only gift cards and the previously mentioned option, or a statement credit. I have XXXX points and a point is worth a XXXX. I made a redemption with the intention of it being sent to me as cash back and they were only willing to apply it as a statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a Texas consumer submitting this complaint regarding inaccurate, incomplete, and potentially unverifiable credit reporting associated with a collection account being reported by XXXX XXXX XXXX for the alleged original creditor XXXX XXXX TXXXXX The account is currently being reported with a balance of {$2300.00}, despite the original reported balance being {$2200.00}. I have not been provided sufficient documentation, itemization, or contractual authorization explaining the increase in the balance or validating the accuracy of the account being furnished to the credit reporting agencies. I formally disputed this account and requested documentation supporting the alleged debt, including : A complete itemized accounting of all charges Documentation authorizing any additional fees or balance increases A copy of any signed lease or agreement establishing liability Move-out statements, invoices, and damage assessments Verification of the date of first delinquency Proof of authority to collect and report the debt Verification that all information being furnished is accurate and complete Despite these requests, the account continues to be reported without sufficient verification being provided. Under the Fair Credit Reporting Act ( FCRA ), furnishers and consumer reporting agencies are required to conduct a reasonable investigation and may not continue reporting information that can not be properly verified. Additionally, under the Texas Debt Collection Act and the Fair Debt Collection Practices Act ( FDCPA ), debt collectors may not misrepresent the amount or character of a debt or attempt to collect amounts not authorized by agreement or law. At this time, XXXX XXXX XXXX has failed to provide sufficient documentation validating : the accuracy of the reported balance, the legitimacy of added charges, the completeness of the alleged debt, and the accuracy of the information being furnished to consumer reporting agencies. Because the account remains disputed and insufficiently verified, I am requesting that this collection account be permanently deleted from all consumer credit reports to which it has been furnished. I am requesting that the CFPB investigate this matter and require the company to : 1. Delete the collection account from all consumer reporting agencies due to failure to adequately verify the disputed information 2. Cease reporting any inaccurate, incomplete, or unverifiable information 3. Provide complete documentation supporting the alleged debt if the company intends to continue collection efforts 4. Ensure compliance with the FCRA, FDCPA, and applicable Texas consumer protection laws I request a formal review of this matter and all reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I was told by multiple reps, multiple times that there is no way to make principle only payments on the loan. The car payments are very expensive and it was always my intention to make principle only payments every month, or as often as possible, to reduce the principal balance so I could pay it off quicker. After getting the car, I was told by the company that there is no way to make principle only payments and that if I wanted to make additional payments, theyd be applied to the principal and interest, just like the regular monthly payments. If Id known this, I wouldnt have gotten the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Saint Services LLC
State: FL

Complaint narrative:
Company : Credit Saint LLC ( also operating as Saint Services LLC ) Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am submitting this complaint against Credit Saint LLC regarding failure to deliver promised services, deceptive retention practices, and an unfulfilled verbal refund commitment. Timeline of events : I enrolled with Credit Saint and paid monthly fees for approximately five months. During that period, fewer than six negative accounts were removed from my credit report a result I consider inadequate given the time elapsed and the total amount paid. Approximately two months ago, I contacted Credit Saint to cancel my membership due to the lack of meaningful progress. Their representative discouraged me from canceling, assuring me that results would improve if I continued. Based on that assurance, I remained a paying customer. Two days ago, I contacted Credit Saint again to formally cancel and request a refund. The representative I spoke with confirmed that I was still within the eligible window to receive a refund and stated that a manager would call me back to process it. That callback never occurred. Within a short time after that call, I received an email notification that my account had been cancelled with no refund issued, no manager contact, and no further communication from the company. Summary of concerns : Credit Saint failed to deliver results consistent with the service advertised and for which I paid over multiple months. A company representative used false encouragement to retain me as a paying customer when I attempted to cancel, extending the period during which I was charged without adequate results. A verbal refund commitment was made by a Credit Saint representative and subsequently ignored. The company cancelled my account unilaterally without honoring that commitment. Desired resolution : I am requesting a full or partial refund of the monthly fees paid during the period in which no meaningful credit repair results were achieved, consistent with the refund eligibility the company 's own representative acknowledged during our last conversation. I have retained records of communications and am prepared to provide additional documentation upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, an AutoPay transaction of {$2000.00} to my Capital One credit accounts ( XXXX XXXX and Quicksilver ) was returned. I subsequently submitted a manual replacement payment for the full {$2000.00}, which successfully cleared on XX/XX/year>. Despite the error being rectified and the payment clearing, Capital One permanently closed my accounts without warning, citing activity " inconsistent with typical customer account usage. '' Because of this sudden closure, Capital One is withholding a {$390.00} annual fee for services they refuse to provide and have seized XXXX rewards miles I rightfully earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CREDIT REPORT DISPUTE DEMAND FOR DELETION AND FULL LEGAL COMPLIANCE Consumer : XXXX XXXX | Date : XX/XX/XXXX This is a formal legal dispute pursuant to the Fair Credit Reporting Act. I am demanding the immediate BLOCK and DELETION of all negative items being reported without permissible purpose, without contractual authorization, and without my explicit written consent. This dispute is NOT based on whether the accounts were opened. This dispute is based on the unlawful use, furnishing, storage, and dissemination of my personal identifying information. VIOLATIONS INCLUDE BUT ARE NOT LIMITED TO : 15 U.S.C. 1681b Permissible Purpose Violations 15 U.S.C. 1681e ( b ) Failure to Assure Maximum Possible Accuracy 15 U.S.C. 1681i Failure to Conduct Reasonable Reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Illegal Reinsertion Without Certification 15 U.S.C. 1681a ( 2 ) ( B ) Improper Consumer Report Classification 15 U.S.C. 1681l Lack of Consent to Furnish 15 U.S.C. 1681n & 1681o Civil Liability ADDITIONAL VIOLATIONS : 15 U.S.C. 6802 ( GLBA ) Unauthorized Use of Nonpublic Personal Information 15 U.S.C. 1692e & 1692g ( FDCPA ) False Collection Reporting 15 U.S.C. 1666b ( FCBA ) Billing and Credit Reporting Violations DISPUTED ITEMS : Account XXXX ( XXXX XXXX ) Account Number Status XXXX Charged Off {$2100.00} past due as of XX/XX/XXXX EXPERIAN HARD INQUIRIES ( UNAUTHORIZED ) : Balance {$2100.00} Creditor Address Date XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Dispute Reason No written authorization / no permissible purpose No written authorization / no permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX These inquiries were conducted without permissible purpose and must be permanently deleted. DEMANDS : 1. Permanent deletion of all negative items 2. Removal of all unauthorized hard inquiries 3. Method of verification documentation 4. Proof of contractual obligation bearing my signature FAILURE TO COMPLY WILL RESULT IN : CFPB Complaint Civil Litigation for damages Signed, _______________________________ XXXX XXXX XX/XX/XXXX 2026

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 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
My original loan was started XX/XX/XXXX the original cost of a XXXX XXXX XXXX was {$12000.00} when they finished adding all the finance charges my vehicle total was over {$26000.00}. This was just horrible to charge someone this much they charged me twice for the vehicle. Then I put down {$5500.00} I thought this was subtracted from the price but it was added to it they ended up charging me over {$32000.00} dollars. This is predatory lending and something needs to be done about it. I've been paying for this car faithfully for 3yrs at {$420.00} per month and I still owe almost {$9500.00} on it. I want my down payment to be removed from the final amount.

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 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I called XXXX customer service because in the month of XXXX I paid {$580.00} and the interest was added back to cancel out my payments. XXXX {$470.00} as I usually send in XXXX payments a month. For XXXX and XXXX I sent in XXXX. The interest charges are too excessive so I called XXXX XXXX XXXX, to lower the rate. The person on the phone said the deal would only be valid that day, and the benefit offered tacked back on the interest at the end of the relief they supposedly offered so I declined. I'm recently laid off from my job thanks to the XXXX XXXX, and I'd like to work with XXXX to stop the excessive interest charges so I can pay off my bill. The XXXX rep commented on my excellent payment history, but could offer nothing to keep that going. Thanks for reading.

Company response to consumer: Closed with explanation