vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX. I formally request a review of a capitalized interest charge of {$2800.00} applied to my account on XX/XX/XXXX. I believe this charge was applied in error and respectfully request its removal. I sent the letter via fax. During the period XXXX, I did not make any payments on this loan, and I was not provided with clear or fair information about my repayment options. There was a payment pause. I was advised that there was no payment due. It was my understanding that under the circumstances, I would not be liable for interest capitalization during this time. Federal student loan regulations restrict the capitalization of interest in cases where borrowers have not been adequately informed of repayment or deferment/forbearance options. Based on these facts, I requested that the servicer Remove the {$2800.00} of capitalized interest from my principal balance. I have not received a response. The only correspondence I have received since then are monthly statements and a letter confirming the origination date of my loan which is not what I asked for. I have since contacted the servicer via the chat feature and the reps were able to view my letter in the system and put in requests for responses. I have been checking the portal daily for letters and there isn't any response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: MO

Complaint narrative:
I am filing this complaint against Capital One regarding their handling of a billing dispute and the improper disclosure of sensitive consumer financial information. On XX/XX/year>, I stayed at a XXXX XXXX XXXX XXXX in XXXX XXXX, Florida. After discovering that I had been overcharged, I filed a dispute with Capital One regarding the charge. My stay should have been {$350.00} and I was charged {$460.00}. I had tried calling the hotel to resolve first. During the dispute investigation, Capital One provided me with documentation submitted by the merchant. However, the documentation was not related to my transaction. Instead, it was a receipt belonging to a different individual with the same name. Not just one, but 2 different Capital One customers. I had also receieve dispute paperwork for a completly unrelated dispute. This document contained highly sensitive personal and financial information of another consumer, including their full name, home address, full credit card number, and expiration date. Despite the fact that : The receipt clearly does not correspond to my stay The merchant provided incorrect documentation The documentation contains another individuals private financial information Capital One has failed to properly resolve my dispute and has continued to rely on inaccurate and inappropriate documentation. Additionally, Capital One further compounded this issue by providing me with unredacted documents containing another consumers full credit card number and personal information. This raises serious concerns about their compliance with federal consumer protection and data security standards. I am requesting that Capital One : Conduct a thorough and accurate review of my dispute using correct documentation Remove any improper charges associated with this transaction Provide a written explanation of how this error occurred Address their handling of sensitive consumer data to prevent further unauthorized disclosures This situation reflects both a failure in dispute resolution procedures and a breakdown in protecting consumer financial information. I respectfully request that this matter be investigated and that appropriate corrective action be taken. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 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: AR

Complaint narrative:
NY XXXX OFFICIAL : XXXX Filed vs Goldman Sachs Bank USA XXXX XXXX XX/XX/year> ( attached ) : - Complaint forwarded Goldman w/ respond order - Copy to XXXX XXXX ( XXXX ) GOLDMAN REG Z VIOLATION ( Accounts XXXX XXXX XXXX XXXX ) : 1. FIRST DENIAL : " Partial review XX/XX/XXXX... held liable '' 2. SECOND DENIAL XX/XX/year> : " Full fraud review... no errors '' CONTRADICTIONS : - {$830.00} credits issued despite " valid '' claim - " Apple transactions linked '' no merchant docs provided - Mass chargebacks XXXX despite " liability confirmed '' Reg Z 1026.13 FAILURE : - No transaction-level investigation ( XXXX items ) - Post-denial credits contradict certification - Duplicate pivot ( fraud vs merchant ) DFS jurisdiction : Goldman NY charter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I received the following text message below on XXXX : [ PNC BANK ALERT ] Did you make a XXXX payment of {$750.00} in XXXX, NY? Reply 1 for Yes, 2 for No. Ref # : XXXX Text STOP to cancel alert. Msg & data rates may apply. I unfortunately responded to the text message with 2 which I then got a phone call from ( XXXX ) XXXX. He asked me to confirm my name and date of Birth which I did ; he provided his PNC ID # ( i did not write down ). He proceeded and said that he was reviewing my account and could see where {$4700.00} was withdrawn ; he asked if I used XXXX and I confirmed that I did. He said he was reviewing my accounts back further and that who ever was withdrawing money from my accounts were logged in since XX/XX/year> and that he could see where they had withdrew {$1000.00}, then {$1900.00} and that he was able to Reverse the withdraws and place back in my accounts. He then said that he could see the exact location and name of the person : he asked me if I had traveled to NY of which I said no ; he then asked if I knew a XXXX XXXX which I stated no. He proceeded to then ask me if I wanted to press charges I said yes and he said that they would handle everything on their end and that i did not need to do anything. He asked me to confirm my XXXX pin to complete Reversals which I did ; and password to my account. instructed me that I needed to stay signed out until reversals and transactions was completed and that I would receive a follow-up call the following day from the bank all money should be returned. I lost all of my money totaling {$7600.00}. I contacted XXXX XXXX and informed them of what happened and was told by one of their representatives that they would work directly with the Bank once claim opened and that they would cooperate ; I then went to PNC Bank and filed complaint/claim and was given provisional refund that I ended up having to repay because they did not reimburse do making the decision that it was my regular spending habits and that I said I did not store my personal information on my phone during the course of their investigation ; Neither is true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have been paying this loan for the past 8 months on time and my loan principal balance has barely been touched. I have tried to refinance this car many times and even trade it in and i now have almost XXXX in negative equity. The original documents has my identifying name wrong. When purchasing this vehicle I made the dealer aware of the credits I had at the dmv they refused to let me register the car on my own and I was charged those fees. This company is good for giving high interest rates and not even caring if the customer can afford to pay of the loan. This vehicle was sold with over XXXX miles and mold on the car.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Debt Collectors International, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, Debt Collectors International ( agent XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX ) sent a collection notice copying multiple unauthorized recipients including employees of my company with no involvement in this matter and an entirely separate foreign company with no affiliation to me whatsoever. Attached were my IRS transcript and company banking account and routing numbers. My IRS third-party authorization for the original creditor was formally revoked prior to this incident via LTR XXXX meaning DCI had no legal authorization to possess or transmit this information. I am formally disputing this debt in its entirety. The underlying obligation is invalid the original agreement was signed by a party who is now deceased, I did not sign the contract and had no knowledge of it at the time of execution, and the entity being pursued is not the party to the original agreement. The debt is contested and DCI has not provided verification of their legal authority or assignment to collect it despite being formally demanded to do so. DCI then called me by phone after receiving my written cease and desist demanding written-only communication a willful violation. Their written response ignored every demand I made and responded only with a litigation threat. Following my cease and desist, a second DCI agent sent an additional communication adding even more unauthorized employees of my company to the recipient list a repeated and escalating violation committed after receiving formal written notice to cease. This was the first communication I ever received from DCI. They claim prior contact attempts were made I have no record of any and have demanded documentation they have not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My sister in law phone number got hacked and someone acted like her and sent me a test message asking to let her borrow {$500.00} and to sent it via XXXX, which i did thinking it was my sister in law but it wasnt her.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates is attempting to collect and report a debt without providing validation, despite multiple certified Debt Validation requests sent in 2026. Portfolio received my letters but never provided any validation, documentation, itemization, or proof that the debt belongs to me or that they have the legal right to collect it. Despite failing to validate the debt, Portfolio continued collection activity by updating and verifying the account with the credit bureaus. This is continued collection activity after a validation request, which violates the FDCPA. It is also an FCRA violation because they are furnishing and verifying information without validating the debt. I am requesting that the CFPB investigate Portfolio Recovery Associates for failing to validate the debt, continuing collection activity after receiving validation requests, and reporting unverified information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is 37019 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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is a follow-up to complaint # XXXX against SYNCB/CareCredit. In response to my original complaint, Synchrony opened a merchant dispute ( Claim # XXXX ) contacting the dental office. This is incorrect the dental services are not in dispute. My complaint is solely about the {$2700.00} deferred interest charge from XXXX XXXX. On XX/XX/XXXX, I financed {$4300.00} through CareCredit under a 24-month, and had a 0 % interest plan ( I had zero interest for 2 years ). The payment plan was set up by the XXXX office- I never chose my monthly payment amount and was never told what amount was required to avoid deferred interest. I made every payment on time for 2 full years and received zero warnings that my payments were insufficient. After 2 years On XX/XX/XXXXXXXX I received an interest payment of XXXXXXXX XXXX During a chat with a CareCredit representative, I was told that if I paid off my full balance by XX/XX/XXXX, I would not be charged interest. I paid off my full original balance of {$4300.00} by XX/XX/XXXX, in good faith based on that guidance. Please see the attached copy of that chat conversation confirming the XX/XX/XXXX payoff information I was given. My full original balance is now paid off. After paying the whole amount, theyre saying that I need to pay the interest now. The only remaining balance is the {$2700.00} interest charge - more than half of what I originally borrowed. I was never properly informed of the payment requirements of this promotional plan, and I paid off my balance in reliance on the information provided by your representative. I am requesting a full waiver of the {$2700.00} deferred interest charge. [ Please attach : Chat transcript confirming XX/XX/XXXX payoff deadline ]

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 monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
In reference to the app, " Cash App '', I had several unauthorized purchases that occurred between XX/XX/XXXXXXXX and XX/XX/XXXX. One amount was in excess of {$100.00}, then several smaller charges in multiples of {$1.00} and {$5.00}. These several smaller charges all showed up on XX/XX/XXXX, to which I was alerted by XXXX XXXX as being flagged. The charges on my statement were listed as " CASH APP XXXX XXXXXXXX XXXX. These charges were all listed on the Cash App transaction history, but NOT on my XXXXXXXX XXXX or XXXX XXXX history. They were isolated to just Cash App. I only use Cash App for sending my hairdresser money for her services. Cash App has not been helpful in resolving this matter. They kept referring me over to XXXX, but when I explained to them that XXXX has no record of these purchases, they simply denied my claim stating that I myself or someone had access to my phone to make these purchases. This is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
CFPB COMPLAINT NARRATIVE : NAVIENT ( ACCOUNT ENDING XXXX ) 1. FACTUAL BASIS & PREDATORY ORIGINATION ( XXXX ) : In XXXX, I was steered by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) into a high-interest Sallie Mae XXXX XXXX XXXX ( now Navient ). This loan was predatory at inception : I was steered into {$17000.00} in total debt ( tuition and living expenses ) during a year when my verified Social Security earnings were only {$7100.00}. This debt-to-income ratio made the loan mathematically impossible to repay and constitutes an Abusive Act/Practice under the Consumer Financial Protection Act ( CFPA ). 2. EVIDENCE OF SERVICING OBSTRUCTION & AI " DOOM LOOP '' : I have already paid nearly {$30000.00} on this {$17000.00} principal. Despite the XX/XX/XXXX CFPB v. Navient Settlement, Navient is actively obstructing my right to Restitution : * Automated Rejection : Navient is using an AI-generated " No Active Balance '' filter to reject my misconduct exhibits ( A-D ) and my completed School Misconduct Discharge Application ( attached ). They claim I am ineligible because the loan is Paid in Full ( XXXX ), despite the settlement explicitly covering historical misconduct. * Phantom Transfer : Navient is attempting to redirect me to XXXX, a third-party servicer that has no legal relationship with this account, as it was paid off XXXX years before Navient 's XXXX portfolio transfer. * Refusal to Communicate : Navient refused to take my call on XX/XX/XXXX, and their settlement administrator ( XXXX XXXX ) is currently refusing all phone calls from victims who have not yet received a check, creating an impossible loop of " verify-to-speak. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Back in XXXX with Navy Federal there was a fraud on my account for a cashier check that was not done by me. They denied the fraud and money was taken out of my account for the amount owed. Now we are in XX/XX/XXXX they stated I still owe XXXX to them. Since I attempted to get an auto loan from them. I didnt even know I owed this amount. They took so much money from my other checking account to cover these costs. The never invested anything. They took like XXXX from my other checking account back in XXXX. Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation