vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing this complaint because Capital One has been unable or unwilling to stop recurring unauthorized charges from XXXX despite multiple interventions over several months. For several months, I have been charged {$9.00} monthly for a XXXX XXXX subscription that I did not authorize and that is not associated with my name or account. I have repeatedly contacted both XXXX and Capital One to resolve the issue. The following actions have already been taken : Capital One has placed a merchant block on XXXX. Capital One has placed a recurring payment stop on XXXX. Capital One removed my card from the XXXX recurring payment updater program ( the system that allows merchants to automatically receive updated card numbers ). My credit card has been replaced XXXX separate times in an attempt to stop the charges. I have filed disputes for the charges. Despite all of these steps, XXXX continues to successfully charge my account. During a dispute investigation, Capital One informed me that XXXX provided documentation supporting the charges that did not even contain my name. This indicates the subscription may be associated with another XXXX account entirely. Nevertheless, Capital One continues to allow the merchant to charge my account. I have also contacted XXXX directly. XXXX told me to resolve the issue with my bank. Capital One has informed me that the issue may be related to XXXX network tokenization or automatic card updater systems. However, Capital One has provided no effective resolution and has suggested that I pursue legal action against XXXX myself if I want the charges to stop. As an individual consumer, I can not reasonably be expected to initiate legal action against a global payment network simply to stop a {$9.00} recurring charge. I am requesting that Capital One take whatever action is necessary within the XXXX network to permanently stop XXXX from charging my account. This may include removal of any associated network tokens or recurring authorizations that continue to permit the merchant to bill my account. I am simply asking that unauthorized recurring charges be stopped permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX Old case number Subject : Request for Release of Rewards Balance Account Ending in XXXX Dear Capital One Customer Advocacy Office XXXX I am writing in response to your letter dated XX/XX/XXXX regarding my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ) concerning the closure of my business account ending in XXXX. Your response stated that in order to redeem the rewards balance associated with this account, the account must be paid in full by XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$73000.00} via Capital One Mobile Payment, which fully satisfied the outstanding balance on the account prior to the XX/XX/XXXX deadline. Based on the conditions outlined in your response, the account balance has been paid in full within the required timeframe. Therefore, I respectfully request that Capital One honor the redemption of the rewards balance associated with this account and provide instructions for how the rewards ( miles/points ) will be issued. Please confirm the current rewards balance and provide a timeline for redemption. If Capital One intends to deny the redemption despite the account being paid in full prior to the deadline specified in your response, I request a detailed explanation citing the specific provision in the account agreement that prevents the redemption of rewards under these circumstances. I look forward to your prompt resolution of this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Account Lvnv Funding # XXXX 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 # XXXX 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 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV LLC opened collections account on XX/XX/year>. I have requested LVNV to provide proof of debt by providing me with original contract with wet signature of debt account, along with valid account statements, proof of purchase, proof of accurate reporting statements. Additionally, I have requested proof of account ownership, by providing original purchase agreement/contract with wet signature. LVNV LLC has failed to provide legally required proof of debt contract and validation that I am the owner of this debt. LVNV LLC has been illegally and inaccurately reporting revolving debt collection balance of {$460.00} to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My Capital One credit card was charged for transactions that I did not authorize. I noticed charges on my statement that were made without my permission and I believe my card information was stolen or used fraudulently. I contacted Capital One to report the unauthorized transactions and requested an investigation and removal of the fraudulent charges. However, the issue has not been fully resolved and I am still being held responsible for charges that I did not make. I am requesting that the unauthorized transactions be removed from my account and that my account be corrected so that I am not responsible for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/year>, my teenage son received {$40.00} in his Venmo Teen account. Almost immediately after the deposit, a {$40.00} debit card transaction occurred at a XXXXXXXX XXXX XXXXXXXX. We live in XXXX and dont have XXXX here. His Venmo debit card was in his possession and was never shared with anyone. We reported the transaction to Venmo as unauthorized and filed a dispute. Venmo denied the dispute twice, claiming the account activity appeared normal. However, they did not address that the transaction occurred in another state while the card was physically in our possession. This indicates the debit card number was compromised and used fraudulently. We are requesting that Venmo properly investigate and refund the unauthorized {$40.00} charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am writing to request a review and dispute of several personal/payday loan accounts currently appearing on my credit report. There are three accounts in particular that are negatively affecting my credit profile. During the time these accounts were opened, I experienced a period of financial hardship that made it difficult for me to keep up with my financial obligations. As a result, these accounts began reporting negatively on my credit report. Since then, my financial situation has improved and I am actively working to rebuild and maintain a positive credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
THIS COMPANY IS VIOLATING MY RIGHT UNDER15 USC S1681s-2 ( a ) data furnishers are required to report only accurate and complete data. Reporting unverifiable data or inaccurate data is violation of federal law. This company is violating they have not provided validation under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer 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 2026-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: CO

Complaint narrative:
On XX/XX/year>, while reviewing my credit report, I discovered a collection account that does not belong to me and that I do not recognize. The account is being reported by KOALAFI as a collection account with a balance of approximately {$1300.00}. I never opened this account, never authorized this account, and I have never conducted business with this company. Because of this, I believe my personal information may have been used without my knowledge or consent. This inaccurate account is negatively affecting my credit report and my ability to obtain credit. I have already reported this issue as potential identity theft and requested an investigation. However, this account continues to appear on my credit report. I am requesting that this matter be investigated immediately and that the company provide proof that I authorized or opened this account. If they can not provide proper documentation showing that I am responsible for this debt, the account should be removed from my credit report immediately. I respectfully request that the CFPB review this complaint and ensure that this inaccurate account is corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
SOUTHERN MANAGEMENT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Re : Formal Request for Debt ValidationAccount Number To Whom It May Concern, I am writing regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute this debt in its entirety and request that you provide proper validation of the debt. Until such validation is provided, you must cease all collection activities related to this account. Please provide the following : The name and address of the original creditor. The original account number. A copy of the original signed contract or agreement bearing my signature that demonstrates my legal obligation to pay this debt. A complete accounting of the alleged debt, including the original balance, interest, fees, and any additional charges. Documentation showing that your company has legal authority to collect on this debt, including proof of assignment or purchase of the debt. The date of default and the date of last payment. Verification that the alleged debt is within the applicable statute of limitations. Additionally, if this account is being reported to any consumer reporting agency, please be advised that under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), you are required to report accurate information. Reporting information that can not be verified constitutes inaccurate reporting. If you are unable to provide the requested validation, you must : Cease collection efforts immediately Notify all consumer reporting agencies to delete this account from my credit report Furthermore, please note that continued collection activity or credit reporting of an unverified debt may constitute violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I request that all future communications regarding this matter be made in writing. This letter is not an acknowledgment of the debt and is not a promise to pay. Sincerely, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my credit report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-1 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I HAVE A KOHLS CARD. MY PAYMENT DUE DATE IS THE XXXX OF EACH MONTH. I ALWAYS PAY THE BILL EARLY. IN XXXX I PAID ON THE XXXX FOR THE XXXX BILL. IN XXXX I PAID ON THE XXXX FOR THE XXXX BILL. IN XXXX, I PAID ON THE XXXX FOR THE XXXX BILL. I THOUGHT MY PAYMENT HAD BEEN SATISFIED FOR XXXX UNTIL I LOGGED IN TO MY ACCOUNT ON XX/XX/XXXX TO MAKE MY XXXX PAYMENT AND SAW A {$29.00} XXXX XXXX HAD BEEN ADDED TO MY ACCOUNT. THE XXXX FOR THE COMPANY SAID THERE WAS NO WAY TO REALLOCATE MY PAYMENT FOR XXXX AS I INTENDED FOR THE PAYMENT TO BE APPLIED. THEY ALSO SAID DESPITE NEVER BEING LATE ON THE ACCOUNT THEY COULD NOT REMOVE THE LATE FEE. THEY SAID THE PAYMENT WAS MADE OUTSIDE THE STATEMENT PERIOD AND IF THE PAYMENT WOULD HAVE BEEN MADE XXXX DAYS LATER ON THE XXXX OF XXXX INSTEAD OF THE XXXX, THE PAYMENT WOULD HAVE BEEN APPLIED CORRECTLY. BANKS SHOULD HAVE A WAY TO REALLOCATE PAYMENTS AND SHOULD NOT CHARGE LATE FEES TO CONSUMERS WHO HAVE MADE A PAYMENT TOO EARLY. WHEN ASKED WHAT DATES MUST I STAY WITHIN TO ENSURE THE PAYMENTS ARE APPLIED, THE XXXX STATED THE DATES CHANGE MONTH TO MONTH. THE CONSUMER SHOULD NOT HAVE TO CALCULATE CALENDAR DAYS EACH MONTH JUST TO PAY A BILL EARLY. A LEGITIMATE BANKING INSTITUTION MUST HAVE A WAY TO REALLOCATE PAYMENTS AND A WAY TO REFUND OR OVERRIDE LATE FEES FOR THE PROTECTION OF THE PUBLIC. THE AGENT SAID THERE WAS NO WAY THEY COULD REFUND THE LATE FEE AND NO REASON WAS PROVIDED AS TO WHY THE LATE FEE COULD NOT BE REFUNDED. THIS LENDS TO DISCRIMINATION IF THERE IS NO LEGITIMATE REASON AS TO WHY A FEE MAY BE REFUNDED OR NOT FOR XXXX PERSON OVER ANOTHER. I PAID THE LATE FEE AS WELL AS THE BILL DUE TO BRING MY ACCOUNT CURRENT HOWEVER I WOULD LIKE THE LATE FEE REFUNDED AND THE BANK BE MADE TO IMPLEMENT A WAY TO REALLOCATE EARLY PAYMENTS IF A CONSUMER REQUESTS A PAYMENT BE REALLOCATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
My daughter passed away XXXX years ago and we fell on hard times I was out of work and XXXX pay because we had to pay for a casket

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Class AMC Intermediate
State: VA

Complaint narrative:
In XX/XX/XXXX, I applied for an FHA mortgage through XXXX XXXX to purchase a property located in Virginia, but XXXX XXXX requested a appraisal to be done on another property I own in Maryland. As part of the application process, XXXX XXXX hired XXXX to perform an appraisal/asset evaluation on the property. I paid {$700.00} for this service directly or through the mortgage process. Around that time, XXXX XXXX verbally inform that the property in Maryland " would not work '' for the loan. However, I never received any written appraisal report, full interior inspection findings, or documentation explaining their determination. The invoice for order # XXXX still lists " Completed On : N/A. '' On XX/XX/XXXX, I emailed XXXX directly requesting either : A copy of the completed appraisal report, or Written proof of delivery showing when, how, and to whom the report was provided. I also asked about a refund if the report was never completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP
State: PA

Complaint narrative:
Date XX/XX/year>. Amount {$430.00}. Debit Card charged for purchase I did not make or approve at XXXX # XXXX. I contacted my bank day of purchase but has not been fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: OK

Complaint narrative:
I received a Bill ~ I sent them a Debt Validation letter asking for full Validation. ~ Sent Certified Mail ~ the received the letter XX/XX/year> Iv had no response at all. They did not mark my reports as disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Since XX/XX/year> I have been charged approximately {$1100.00} in overdraft fees across two TD Bank accounts. These cumulative {$35.00} fees have created a cycle where the fees themselves keep the accounts negative despite my efforts to repay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/2026 at XXXX XXXX, my phone and wallet was stolen. My ex boyfriend 's girlfriend stole my wallet with all my information and identity and cards and used them. I have tried to regain access to my accounts but he switched them due to having my entire wallet including my personal information. Money has been stolen. I moved to XXXX XXXX and had my number changed and transferred to another company. Cash app support has done absolutely nothing to resolve the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My mortgage lender stopped my auto pay in XX/XX/XXXX without notice. The XXXX payment was reversed and additional fees of {$1200.00} were withdrawn from my checking account with same bank and applied to my mortgage account. I became aware of these actions on or about XX/XX/XXXX, when I received court documents stating that Fifth Third Bank filed a motion in bankruptcy court for Relief from the Automatic Stay I had previously filed a XXXX XXXX in XX/XX/XXXX. My mortgage lender was not listed among my creditors, payments were current and an autopay was in place. I advised that as long as I was current and had autopay and paid my property taxes my property would be safe. On XXXX I manually transferred {$3600.00} from my checking account with XXXX bank to my mortgage account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital Systems is reporting a collection account on my credit report listed as : Original Creditor : XXXX Account Number : XXXX Balance : {$1600.00} I never received any written notice regarding this alleged debt before it appeared on my credit report. I did not receive a validation notice, a dunning letter, or any written communication explaining the debt or my rights to dispute it. After discovering the account, I requested proper validation multiple times. I submitted several written disputes and also requested validation over the phone. Despite these requests, Jefferson Capital has never provided lawful validation. Instead, I received threatening phone calls from representatives stating that they could sue me over the alleged debt. These calls occurred before the company ever provided any documentation demonstrating that the debt is accurate or that they have the legal authority to collect it. This is the reason I am filing this complaint. It is XXXX and consumers have access to information about their rights. I know what lawful debt validation requires, and Jefferson Capital has not provided it. Proper validation of a debt should include : The original contract or agreement bearing my signature Complete billing history from the original creditor An itemized accounting of the alleged balance Documentation showing the date of first delinquency Documentation showing the date of charge-off Proof that the balance matches the original creditors records Documentation showing the transfer or assignment of the debt Proof that the debt collector has the legal authority to collect Documentation verifying that the required notice was sent Jefferson Capital has provided none of this documentation. Despite failing to validate the debt, Jefferson Capital continues to report the account as accurate to consumer reporting agencies. This conduct raises serious concerns under : This law requires debt collectors to send written notice of a debt within five days of initial communication and prohibits deceptive or abusive collection practices. Statutory damages can reach up to {$1000.00} per violation. This law requires that information furnished to credit reporting agencies be accurate and verified and requires companies to conduct a reasonable investigation after a dispute. Failure to properly investigate disputes can expose furnishers to actual damages, statutory damages, and attorney fees.

Company response to consumer: Closed with explanation