vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BMO BANK NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I did an instant transfer in XXXX for XXXX to XXXX XXXX XXXX XXXX with a credit card ending in XXXX. The app moved over the wrong card when I did an instant transfer and went to the wrong old closed account that I have. The XXXX is, my card at XXXX XXXX XXXX XXXX was not a debit card, it was a credit card ending in XXXX other numbers, not XXXX. XXXX is stating that XXXX XXXX XXXX XXXX accepted the funds and provided an acquired reference number and said because it was an instant transfer they can not provide an ach number or the full 16 digit credit card number. I have spent countless hours on the phone with XXXX and XXXX XXXX XXXX XXXX. I first filed a cfpb complaint on XXXX to which XXXX XXXX responded and say XXXX XXXX XXXX XXXX had the money and to stop contacting them essentially. I have attached their response, my initial complaint and the tracking id and information I have so far. My only choice is to now file a complaint so the right people at Bmo or XXXX XXXX XXXX XXXX to find the money. Because its mine and Im the only one who doesnt have it. I have talked to a very nice lady at Bmo named XXXX XXXX who has tried to help me but cant. So I need more help. XXXX and XXXX XXXX are saying you have it. Call me XXXX for more info.

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 2026-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
The company cash app closed my account. They stated Im still able to withdraw funds and/or sell XXXX, but as I try to withdraw my funds it says failed. As I try to move money from my savings to my balance it says failed also. As I try to sell my bitcoin it says failed also.Ive been trying everyday for the past XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a victim of identity theft. I am formally disputing the Capital One account referenced above, which was opened on XX/XX/XXXX. This account is fraudulent. I did not open it, I did not authorize my name to be added as an " Authorized User, '' and I have never possessed the card or benefited from the line of credit. I. EVIDENCE OF FACTUAL IMPOSSIBILITY The reporting of this account is a violation of the " maximum possible accuracy '' requirement of 15 U.S.C. 1681e ( b ). It is factually impossible for me to have authorized this account due to the following : Initial Incarceration Date : XX/XX/XXXXXXXX ( XXXX XXXX XXXX ). Account Opening Date : XX/XX/XXXX. Current Status : Continuous incarceration at XXXX XXXX XXXX ( since XX/XX/XXXXXXXX ). I was in XXXX XXXX XXXX at the time of this accounts inception. I had no legal capacity to enter into a credit agreement or provide digital/physical consent to Capital One. II. LEGAL MANDATE & CASE LAW CITATION Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation. Under the binding precedent of the XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXXXXXX ), you are legally obligated to consider the " factual matrix '' of the evidence provided. Furthermore, as established in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), you may not merely " parrot '' the furnishers automated response. If you verify this account despite the enclosed proof of my incarceration, you are in willful non-compliance of the FCRA, which carries liability for punitive damages under 15 U.S.C. 1681n. III. MANDATORY ACTION REQUIRED 1.Immediately BLOCK this information from my credit report within 4 business days per 15 U.S.C. 1681c-2 ( Identity Theft Block ). 2.Cease reporting the {$1400.00} balance and 90-day delinquency which is misleading and factually false per XXXX v. XXXX XXXXXXXX XXXX 3.Provide me with a description of the procedure used to determine the validity of this account, including the name of the individual at Capital One who claims I authorized this while in jail. IV. SWORN STATEMENT I declare under penalty of perjury under the laws of the United States of America ( 28 U.S.C. 1746 ) that the foregoing is true and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE NOT MINE AND WERE NOT AUTHORIZED BY ME. I DO NOT RECOGNIZE THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

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 2026-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am a victim of a violent extortion scheme ( XXXX XXXX Police Case # XXXX ). I have also filed an FTC Identity Theft Report ( # XXXX ). Synchrony Bank has refused to block fraudulent accounts and charges despite my providing both reports, in violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). FRAUDULENT TRANSACTIONS/ ACCOUNTS : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX ( Gold necklace ) This charge was made under duress as part of the extortion scheme. I was held at gunpoint and threatened with a hitman. I did not authorize this purchase. XXXX. XXXX XXXX XX/XX/year>XXXX ( Tires ) This charge was made under duress as part of the extortion scheme. I did not authorize this purchase. XXXX. XXXX XXXX XXXX ( Fraudulent Account ) An XXXX XXXX XXXX account was fraudulently opened in my name without my consent. I never applied for or used this account. LEGAL VIOLATION : Under FCRA Section 605B, upon receipt of a valid Identity Theft Report ( police report + FTC affidavit ), Synchrony Bank is REQUIRED to block the reporting of fraudulent information within FOUR ( 4 ) BUSINESS DAYS. Synchrony Bank has failed to do so. They continue to report these fraudulent accounts and charges on my credit report. This is a direct violation of federal law. REQUEST FOR RELIEF : 1. Synchrony Bank must BLOCK all three fraudulent accounts/charges within 4 business days as required by law. 2. Synchrony Bank must provide written confirmation of the block. 3. Synchrony Bank must provide the METHOD OF VERIFICATION used to " verify '' these debts ( FCRA Section 611 ). Attached : Police report ( XXXX XXXX ), FTC Identity Theft Report ( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) regarding a collection account for an alleged XXXX debt of {$670.00} ( Account # : XXXX, JCS Reference XXXX : XXXX ). In a written letter dated XX/XX/year>, Jefferson Capital Systems explicitly stated : " Based on your stated dispute, we will cease collection activity and request that the consumer reporting agencies delete this account from your credit file until verification of the debt is provided to you. '' Despite this written commitment, the account continues to appear on my credit report as of XX/XX/year>XXXX with an open balance of {$670.00}. Jefferson Capital Systems has failed to follow through on their own written promise to request deletion from the credit reporting agencies. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), as the company made a written representation and failed to honor it. Their failure to request removal as promised is causing ongoing harm to my credit score and financial standing. I am requesting that the CFPB : 1. Investigate Jefferson Capital Systems ' failure to honor their written commitment. 2. Require them to immediately request deletion of this account from all three credit bureaus ( XXXX, XXXX, and XXXX ). 3. Confirm in writing that the account has been removed. I have documentation including the XX/XX/year>XXXX letter from Jefferson Capital Systems and a screenshot of my credit report showing the account still active.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
They say I owe but the debt was definitely already paid I requested validation and investigation of the account being reported by the company. The account is disputed and the company has failed to provide sufficient documentation proving the debt is accurate and legally collectible. Despite my request, the account continues to be reported on my credit file, causing damage to my credit standing. I am requesting : Full validation of the debt Proof of reporting accuracy Or immediate deletion from all credit reporting agencies if the account can not be verified pursuant to the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I placed an order for over {$500.00} in merchandise from Best Buy. They sent out part of the order via their horrible service XXXX, which is not a real package delivery service. I was home at the time of delivery, but the driver said delivery could not be made. She told my {$500.00} package and for XXXX days has neither returned it to Best Buy nor has Best Buy cancelled the order as I requested multiple times. Im tired of playing this game, I just want a refund so I can take my money to XXXX who is actually competent in dealing with these matters

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 2026-05-07 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
I am a victim of a violent extortion scheme ( XXXX XXXX Police Case # XXXX ). I have also filed an FTC Identity Theft Report ( # XXXX ). Synchrony Bank has refused to block fraudulent accounts and charges despite my providing both reports, in violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). FRAUDULENT TRANSACTIONS/ ACCOUNTS : XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX ( Gold necklace ) This charge was made under duress as part of the extortion scheme. I was held at gunpoint and threatened with a hitman. I did not authorize this purchase. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This charge was made under duress as part of the extortion scheme. I did not authorize this purchase.XXXXXXXX. XXXX XXXX XXXX ( Fraudulent Account ) An XXXX XXXX XXXX account was fraudulently opened in my name without my consent. I never applied for or used this account. LEGAL VIOLATION : Under FCRA Section 605B, upon receipt of a valid Identity Theft Report ( police report + FTC affidavit ), Synchrony Bank is REQUIRED to block the reporting of fraudulent information within FOUR ( 4 ) BUSINESS DAYS. Synchrony Bank has failed to do so. They continue to report these fraudulent accounts and charges on my credit report. This is a direct violation of federal law. REQUEST FOR RELIEF : 1. Synchrony Bank must BLOCK all three fraudulent accounts/charges within 4 business days as required by law. 2. Synchrony Bank must provide written confirmation of the block. 3. Synchrony Bank must provide the METHOD OF VERIFICATION used to " verify '' these debts ( FCRA Section 611 ). Attached : Police report ( # XXXX ), FTC Identity Theft Report ( # 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 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX tx XXXX XX/XX/year> LVNV funding llc XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, South Carolina, XXXX. Re : Request for Debt Validation Account Number : dont have account number Dear Sir or Madam, I am writing in response to your communication regarding the debt referenced above. I do not acknowledge this debt and request validation of it as provided for under the Fair Debt Collection Practices Act. Please provide the following information : - The name and address of the original creditor - The full amount of the alleged debt, including any fees or interest - Documentation showing that I am legally obligated to pay this debt - Proof that your agency is authorized to collect on this debt Until you provide this information, I request that you cease all collection activities and communication with me regarding this matter. If you are unable to validate the debt, please confirm in writing that the account has been closed and that no further collection efforts will be made. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE NOT MINE AND WERE NOT AUTHORIZED BY ME. I DO NOT RECOGNIZE THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

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 2026-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
They emailed back and said they complete my request and communicate in writing, they never did. 14 days alter they emailed me and said I was being sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I applied for a loan with the karma guarantee through credit karma for {$10000.00} with XXXX. The advertisement claims that if I was not approved for the offer credit karma will pay me {$50.00}. The guarantee applies if the final loan offered by the lender does not match the terms originally shown on Credit Karma, including a lower loan amount. When I applied I was not approved for the original loan terms and was instead approved through XXXX XXXX XXXX for a lesser amount of {$10000.00}. Credit karma is refusing to honor the karma guarantee because I do not have an adverse action letter from sofi, however XXXX is refusing to provide an adverse action letter because the loan has technically not been denied since I was approved for a different offer, though a slightly lesser amount. Credit karma should not advertise the karma guarantee if offered lesser terms for the loan, then require an adverse action letter because lesser terms can apply without a denial and without requiring an adverse action letter. Credit karma is using a confusing interface design to mislead users into consenting to share data or applying for financial products. I would not have applied for this loan without the XXXX guarantee, and I have been put in an impossible position to obtain it now that I have not technically been denied and can not provide an adverse action letter. This is very deceptive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Toyota Motor Credit Corporations failure to properly release a lien following loan payoff, as required under California law and standard lien release procedures. The vehicle loan ( VIN ending in : XXXX ) was fully satisfied in approximately XXXX. However, the lien remained on the vehicle record for over a decade. As executor of the owners estate, I was required to resolve this issue in XXXX in order to transfer title. On XX/XX/XXXX, I submitted ( by fax ) all required documentation to Toyota Motor Credit Corporation to process the lien release. On XX/XX/XXXXXXXX at approximately XXXXXXXX XXXX XXXX XXXXXXXX, I contacted the company and was informed that my request had been rejected due to allegedly missing or incomplete signatures. This determination was incorrect, as all required documents had been properly completed and submitted. At no point prior to my call on XX/XX/XXXX did the company notify me of this rejection or provide an opportunity to correct any perceived deficiency, despite having my contact information. The lack of communication and the inaccurate rejection significantly delayed resolution and reflects a breakdown in basic request handling, servicing, and customer notification processes. After my call on XX/XX/XXXX, Toyota Motor Credit Corporation did not complete the lien release process, but instead sent me a lien release document ( via XXXX received XX/XX/XXXXXXXX ), shifting the burden to me to take additional steps with the California DMV to resolve an issue that should have been handled as part of standard post-payoff servicing. The core issue is that the lien was not properly cleared or confirmed after payoff, resulting in long-term complications, delays in title transfer, and unnecessary administrative burden years later. This required me to initiate follow-up actions that should not have been necessary. I am concerned that this reflects a broader failure in lien release servicing and post-payoff processes, which could affect other consumers attempting to transfer ownership of vehicles. Requested resolution : Explanation of why the lien was not cleared or confirmed following payoff in approximately XXXX Confirmation that Toyota Motor Credit Corporation has taken all necessary steps to ensure the lien release is properly communicated to and reflected in the California DMV record Description of corrective actions or process changes implemented to prevent similar failures for other consumers This failure required executor intervention more than a decade after payoff, which should not be necessary under California law and standard lien release procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
On XX/XX/year>, I made a payment to Roundpoint Mortgage. It consisted of my usually {$1400.00} monthly payment with an additional {$200.00} principal which totaled {$1600.00}. I made the payment without realizing I did not have enough funds for the principal. When I realized my payment didnt go through, I made the payment within the payment period. I called Roundpoint Mortgage customer service line to explain that the {$25.00} return check fee could be waived due to my payments being consistently on time. They mentioned that they couldnt due to the loan estimate agreement I signed. I also payed online so the fee charge for the returned check is excessive. Upon further inspection, I did not see anything regarding the {$25.00} fee due to a returned check payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I am filing this complaint regarding the handling of a billing dispute by Apple Card/Goldman Sachs related to a {$94.00} transaction from XXXX XXXX . I disputed the charge as services not as described or advertised. The facial service I received did not match the advertisement used to market the promotion. The advertisement showed a multi-step facial treatment including procedures and facial components that were not actually performed during my appointment. Instead, the appointment was extremely minimal and primarily consisted of aggressive exfoliation/scrubbing followed by pressure to purchase expensive skincare products and financing options. I was moved into another room and pressured to purchase products costing hundreds of dollars. My skin was also left irritated afterward. I attempted to resolve the issue directly with the merchant and requested a refund. I also submitted screenshots of multiple public reviews from other customers describing nearly identical experiences involving misleading advertising and aggressive upselling. During the dispute process, Goldman Sachs repeatedly ruled in favor of the merchant. When I requested the merchant evidence, the merchant had only submitted a receipt and a generic letter stating that the service was performed and that sales were final. They did not provide documentation showing that the services advertised were actually performed, nor did they provide the advertisement itself or detailed treatment records. I believe the dispute was not properly evaluated as a services not as described claim and that the evidence submitted by the merchant was insufficient to support denying the dispute.

Company response to consumer: Closed with explanation