vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 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: IL

Complaint narrative:
On XX/XX/year> My account was immediately restricted after attempting to make a purchase of {$110.00}. 
I just recently opened my account and Ive provided capital one with every piece of document the requested. When I first opened my account, they hounded me for my drivers license and a XXXX XXXX. No problem, the restriction was removed and they proceeded to send mail my savor credit card. Once I received the card, I made a {$150.00} purchase which was successful. I tried to make a second purchase of {$110.00} and my card was immediately put on restriction. Why? I called customer service and they claimed they needed to be sure I was the one who opened to the account. I sent over the XXXX recent bank statements and was told that my restriction will be lifted immediately. My account is STILL restricted. This hold on my account has caused me to be late on an important bill that was due today. Capital has gave me nothing but trouble since Ive opened this account. I need my cards restriction to be lifted from my account. I gave substantial PROOF that this is MY account and I am the person who opened the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I opened a credit karma money account to receive my tax refund. The account was frozen after a deposit was made and I've repeatedly talked to people on online chat with no help and have called into the resolution team and never get through for any help. This is my only income right now. I can't get any answers as what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please find attached correspondence associated to Capital One 360 Checking/Savings other accounts associated under my social security number which has been compromised numerous times. I have attempted to resolve many issues and been successful in most however these particular Capital One 360 accounts under my name have been difficult for a resolution.

These accounts with Capital One 360 have caused me emotional distress as I have not been able to understand what happened after having my personal information including SSN, DOB, DL number as well as other information exposed. This exposure was the result of having my wallet with my social security card in it at the time, stolen. I have since ensured security for accounts I currently have under my name as a result. 

I was able to finally login XX/XX/year> and I noticed in the mobile app there were linked external accounts that I had no idea what the names of those Organizations were and immediately removed those external accounts. Additionally, there are several different physical mailing addresses unknowingly associated with these Capital One accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kingston Data & Credit International Inc.
State: MT

Complaint narrative:
I contacted anytime fitness a few months ago about not wanting to be apart of their gym paid everything off which was roughly {$350.00}. Then I sign into my XXXX XXXX a few months later and I find out they put me into collections for about {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Predatory behavior. Missed payments had been addressed and rectified. They are now attempting to attack my credit for a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had been a victim of identity theft. I do not recognize this account and would like it removed as it is hurting my ability to obtain credit. Please see the attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Current escalation Case numbers are : XXXX XXXX. 

I have attached a recording of the escalations employee stating on XX/XX/XXXX that the previous letters stated reasons for not giving me the credit appear to be wrong. 

I was a user of the Chase Sapphire Reserve card, and noticed a promotional credit of {$250.00} on purchases of over {$500.00} ( total after tax was made clear in the promo ) through the XXXX XXXX in the Shops at Chase XXXX XXXX. I activated the offer and began researching the website. I purchased an order of about {$540.00}, and would NOT have made the purchase without the inducement of the {$250.00} credit back. 

I was surprised not to receive a credit by the XXXX  billing cycles statement. I called in once and they told me to wait XXXX  days while it was escalated and that I would be given the credit. I called again on or around XX/XX/XXXX after no movement, escalated to a manager, and she said the same thing. I received a letter saying that I would receive the credit within XXXX business days. I called again after this period expired and they escalated me further, claiming they were unable to give me the credit and would push this to their promotions team for evaluation contradicting their earlier written and ( recorded ) claims over the phone. 

After about another XXXX weeks around XX/XX/XXXX, well over XXXX months after my initial purchase, I just received a letter saying that I was being denied the credit because I did not activate the offer in time. This is improbable, since I did not know about the Shops at Chases existence nor the online XXXX XXXX until I saw and activated the offer, which previous agents on the phone told me I complied with. On XX/XX/XXXX, I called and escalated again, and the top escalations employee told me she did not see any reason why my credit wasnt applied, and re-opened the investigation. However, I dont trust them to handle this on their own now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: Klarna AB
State: AZ

Complaint narrative:
Merchant : XXXX XXXX  Amount : {$670.00} Date of purchase : XX/XX/XXXX Payment method : Klarna " Pay in 4 '' The shipment became lost in transit. 
XXXX confirmed in writing that after exhausting all search options, they were unable to locate my package and closed the support ticket, instructing me to contact the shipper for next steps. 
I never received the items and never took possession of the goods. 
The merchant, XXXX XXXX, has refused to void the order and has offered only : a 50 % refund, or a reshipment, which I declined. 
Klarna opened a dispute after I reported that my order was not received. Klarna temporarily paused payments and contacted the merchant, XXXX XXXX. The merchant did not change its position. 
On XX/XX/XXXX, Klarna asked me one specific question : whether I accepted the {$300.00} partial refund offered by the merchant. Klarna provided a seven-day timeframe to respond. 
I responded the same day. In my response, l clearly rejected the partial refund, explicitly requested that the dispute remain open, and explained that the goods were not delivered, that I should not be required to absorb any loss for undelivered merchandise, and that Klarna should continue its investigation based on non-delivery. My response was timely, complete, and complied with Klarna 's request. 
At no point did Klarna request any documentation or proof from me regarding non-delivery. I have written confirmation from XXXX stating that the package could not be located after an exhaustive search, as well as tracking information showing the shipment was not delivered and remained stuck in transit. 
Klarna did not request to review this information before closing the dispute. 
Despite my timely response, Klarna later issued an automated notice stating that I did not respond within the required timeframe and that the investigation was therefore closed. This statement is factually incorrect. I responded within the deadline and provided the requested information. The dispute was closed due to a procedural error, not due to any failure on my part. 
After closing the dispute, Klarna stated that it could only review tracking information, that the tracking showed a " delivered '' status, and that it therefore could not take further action, shifting responsibility to the merchant or the shipping carrier. This misapplies Klarna 's role as a payment intermediary. The issue is not who physically lost the package, but whether the merchant fulfilled the transaction by delivering the goods. I did not receive the goods.As a result of the dispute being closed, Klarna reinstated the payment plan and marked installments as due. These charges are the result of an administrative action following the improper closure of the dispute and do not reflect a determination on the merits of my non-delivery claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Related CFPB Case Number : XXXX Complaint Description ( Escalation ) I am submitting this complaint as a formal rebuttal and escalation to Synchrony Banks response to my prior CFPB complaint ( Case # XXXX ). Synchronys response failed to resolve the underlying issue and, since that response, my credit profile has been further harmed due to continued inaccurate reporting. 

My original complaint concerned repeated system failures that prevented me from making timely payments, including : Ongoing outages and failures of Synchronys online payment portal Repeated failed attempts to make payments by phone Multiple contacts with Synchronys customer service and technical support documenting these issues in real time In their response, Synchrony largely ignored these operational failures and instead reframed the issue as returned payments and alleged noncompliance with payment terms. However, Synchrony admitted several critical facts that directly contradict their continued negative credit reporting : Synchrony acknowledged operational issues with their website and payment systems. 

Synchrony acknowledged that certain payments were returned due to a non-transactional account, not insufficient funds. 

Synchrony previously requested deletion of late payment history for part of the affected period, implicitly acknowledging reporting inaccuracies. 

Synchrony credited multiple late fees as goodwill, while continuing to report late payments for the same periods. 

Despite these admissions, Synchrony has continued to furnish derogatory late payment information to the credit bureaus, and my credit standing has worsened since the CFPB response. This reporting does not accurately reflect my payment behavior and fails to account for the documented system failures that prevented payment. 

Crediting fees while maintaining negative credit reporting for the same events is internally inconsistent and misleading. If fees were assessed in error due to system failures, then the corresponding late payment reporting is also inaccurate. 

At this point, this matter is no longer a billing dispute it is an inaccurate credit reporting issue under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Synchrony has been placed on notice of the inaccuracies and has failed to correct 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 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
SUPPLEMENTAL FILING Evidence of Deceptive & Abusive Collection Practices ( Case ID : # XXXX ). 

Incident Description : I am submitting this supplemental report to document a specific instance of deceptive and abusive debt collection practices by a PayPal Collections representative on Friday, XX/XX/year>. 

1. Deceptive Communication ( Violation of UDAAP ) : At XXXX XXXX  EST, I was contacted by a male PayPal representative. This individual was overtly aggressive and used false information to coerce me into consenting to pay a fraudulent chargeback. Specifically, he claimed that he was moving my account to a collections agency. This was a material misrepresentation of the account 's status intended to create a false sense of urgency and fear. 

2. Contradictory Information : I contacted PayPal later that same day and spoke with a female representative who confirmed that the previous representatives claims were false. She verified that my account was not in collections and that such a step was only a future possibility to be handled by a third party. 

3. Abusive Tactics : The first representative continued to pressure me for payment despite being informed that the underlying transaction is currently a matter of active federal fraud reporting ( FBI IC3 Complaint ID : XXXX ). Using the threat of " collections '' to force a consumer to abandon a legitimate fraud dispute is a violation of federal consumer protection standards. 

Per Case ID : # XXXX, I've attached documents showing that I was owed money by the wire fraud scammer ( XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
XX/XX/XXXX - I called XXXX XXXX XXXX XXXX debt collection agency to request an itemized billing statement. They told me they would send me one. 
XX/XX/XXXX - I called XXXX XXXX XXXX XXXX, I do not recall how this call went, but I know it had to do with information about my collection and possible amount of a settlement. I do not believe I got any answers or I may have ended the call before I could ask. 
XX/XX/XXXX ( XXXXXXXX XXXX. ) - I called XXXX XXXX XXXX XXXX to ask how much it would cost to settle and let them know I never received the itemized statement. I was told that people always say that they dont receive their document and XXXX XXXX will not be wasting their money to send a new one. I was also questioned why I waited 5 months to let them know. I requested to speak to a supervisor, I was the debt collector was a supervisor. I requested to upper management, I was told there is no one I can speak to. Call ended. 
XX/XX/XXXX - I called XXXX XXXX XXXX XXXX to request the name of my debt collector. I was told her name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I signed up for a XXXX XXXX XXXX  and deposited a check on XX/XX/2025 related to this job. After I deposited the check, through research I realized it was possibly a scam or a fake check. I called Chase immediately to notify them and asking they reject or stop the deposit. They told me it was not possible since I deposited the check already. They subsequently on XX/XX/2025 returned the check stating it had been altered. I believe this is the reason for account closure and Id like to request Chase research further my case since I notified the bank about this immediately because I thought that I was a victim of scam. Since all calls are recorded, Chase should review the call that I placed to inform them of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists.

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 non-monetary relief
Consumer complaint received 2026-01-25 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: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
Purchased XX/XX/25 returned to XXXX  XX/XX/25. XXXX says can't refund me too much time has passed. Synchrony says dispute closed

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 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity XXXX Bank opened a 'Bread XXXX ' credit card account without my knowledge or authorization. This occurred around XXXX XX/XX/year>. I would like this reported as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XXXX of XXXX  my mother in law was diagnosed with XXXX and as a result was no longer able to provide child care for our son. We then had to find alternative care options for him leading to having to miss work and higher daycare costs. I put in a request for deferral for XXXX And XXXX, which I was told would take XXXX days. While that request was processing we fell behind on our mortgage. The notice that our defferal was denied in XXXX. At that point I made 3 separate payments totalling XXXX. The balance of XXXX and XXXX were paid on full with what should have partial payment on XXXX instead I do the overpayment is " unapplied '' with other notifications in my activity to additional payments to principal which is not what I consented to. I have requested copies of my last 3 statements and payment history and well as disbursement activity from the escrow account. At this time there was nothing that they could provide me due to the status of my account and they had to put a request into the back office to provide information to me on my accounts. I have notified them I can not pay until I see what I owe and how previous payments are applied and that they are now preventing me from getting my account current which directly affects my credit score. I can not get a customer service representative on the phone who is able to provide account information. They are withholding account information leading me to question the handling of the money on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been interacting with this person over discord and it at first started small but then gradually spiraled as they kept making excuses and trying to get more out of me, which worked sadly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My dispute is with Apple Card XXXX, trying to resolve my issue since XX/XX/year>. 
I have provided numerous documentation regarding my dispute on three separate occasions. In summary, the merchant would not send me a return label for a bag I purchased that was missing a chain to close the bag. When I emailed the merchant I was emailed back that the bag doesnt come with the chain. However, the merchants website clearly showed the chain. Long story short they wanted me to pay shipping charges to XXXX. Had the issues been my fault I would have agreed. But they falsely advertised their product. Also, their return policy stated they would provide a shipping label. Which I asked for numerous times. I also sent copies of my emails, pictures to Apple including the return policy to no avail. I had to resend them three times.

I also spoke to customer service got numerous times including a supervisor last month. The supervisor told me over the phone that I provided sufficient proof regarding my case, and not to worry they would take of it. Essentially my case will be decided on my behalf. And they apologized for the inconvenience. 
I never received any correspondence from Apple Card XXXX or Goldman Sachs Bank since my conversation with the supervisor. 
This past week I was charged again on my Apple Card for the disputed amount of {$130.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
My Cash App account was permanently closed for fraudulent activity without any specific explanation or evidence. I did not engage in fraud. I believe the account was incorrectly flagged due to a high volume of legitimate peer-to-peer payments. 
Cash App has refused to provide details or conduct a proper manual review. I am requesting a formal investigation, a written explanation of the alleged violation, and reinstatement if no fraud is found.

Company response to consumer: Closed with explanation