vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am enrolled in automatic payments with Capital One, and last month my payment did not process. I was told that I had canceled the payment, which I did not authorize. As a result, I was charged a late fee and a significant interest charge. After spending over an hour on the phone, I was transferred to the fraud department, where I was assured that the late fee would be reversed. I was also explicitly told that once my next statement generated, I could call back to have the interest charge waived as well. However, when I called back a week later, I was informed that the interest charge could not be removed and that there was no record of the prior representative making that statement. It is inconsistent that the late fee could be reversed, but not the interest, given that the missed payment was not due to any action on my part. Additionally, my account history clearly reflects that I have consistently paid my balances in full every month. Given these facts, this situation is extremely concerning. It appears unfair and raises questions about how this issue has been handled, particularly since it occurred shortly after I canceled my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: NC

Complaint narrative:
Monies were added and taken from a fraulent cash app account, that was created in my name, without my knowledge nd or permission,, and used to fund many transactions all in my name, and without my knowledge... I feel extremely violated!! To impose as me, and gain on my name,,, while I the real me suffers the real life XXXX ( spirit of the times )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year>, I received an email stating that a wire transfer of XXXXXXXX XXXX has been initiated. I called XXXX XXXX immediately to deny it since I did not do it. After waiting for the resolution of this dispute, XXXX XXXX has written me that I must contact this Bank I don't know and dispute it directly with them. This was a fraud, and I am demanding my money back. I never authorized this transfer. I don't know what it is about. I have been robbed. I hope this is the path to getting my money back.

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 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am disputing unauthorized charges on my Capital One credit card. I never opened accounts with XXXX XXXX, XXXX, or XXXX, and I did not authorize these transactions. I already have phone service through XXXX XXXX XXXX paid by a family member. Capital One initially credited my account, then later reversed the credits and denied my fraud dispute after stating the merchant claimed the charges were valid. I was not provided any meaningful evidence such as IP address, device information, or account verification details. I am requesting a full investigation into these unauthorized transactions and a review of Capital Ones dispute handling process, including why the dispute was closed and then reversed without proper verification of account ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: NC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
There was a recall due to problems with the engine. Even though the vehicle was taken to dealership to have the problem fixed, the problem was never fully resolved. Now the vehicle is in need of repairs I can not afford due to same problem the vehicle was recalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Dear XXXX XXXX and American Express Customer Advocate Services Team, I am writing in response to your letter dated XX/XX/XXXX, regarding the denial of the XXXX Membership Rewards welcome bonus associated with my Platinum Card application ( Account Ending in XXXX, CFPB Ref No : XXXX ). I respectfully but firmly dispute your conclusion. Your letter asserts that during the application process on XX/XX/XXXX, I was presented with, and consented to, a notification stating that I was not eligible for the welcome offer. I want to be unequivocally clear : no such notification was presented to me at any point during the application process. Had I been informed that I was ineligible for the welcome bonus, I would not have proceeded with the applicationparticularly given the substantial annual fee associated with this card. Your position relies entirely on the assumption that this pop-up was displayed and acknowledged. However, you have not provided any evidence to substantiate that claim. Accordingly, I request the following : Documented proof that this notification was presented to me during the application process, including : - System logs showing the pop-up display - Timestamped records of my interaction with that notification - Any record of my affirmative consent to proceed without the welcome offer - Clarification on how such consent is captured and stored within your systems, and how it can be independently verified. - A re-evaluation of my eligibility for the XXXX Membership Rewards welcome bonus, taking into account that no such notification was received. To date, your response relies on internal conclusions without providing any verifiable evidence. Given the material nature of the welcome bonus in my decision to apply for this card, this issue represents a significant concern regarding transparency and fair dealing. I trust that American Express will conduct a thorough and objective review and MOST IMPORTANTLY provide the requested documentation. I look forward to your prompt response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I called to inquire about the wrong reporting of a pay day loan that was not mine. I asked for signed documents, payment history, and authorization to sell my information to third parties. I was told that that information can not be sent via mail, or email. This debt is not mine. They have not provided me with any supporting documentation. The account lays in a charge off status. It should not be continuously reported if the account is been in that status for more than 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>, I received an unsolicited email from an individual claiming to be a casting director for a feature film titled XXXX XXXX XXXX, allegedly directed by XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was informed that I had been selected for an XXXX XXXX XXXX XXXX XXXX and was offered a travel assistance program. I was told that airfare would be partially subsidized, and that I needed to send {$300.00} via Chimes Pay Anyone feature to secure the booking. Relying on these representations, I sent {$300.00} to a recipient identified as XXXX XXXX via Chime ( Chime tag : XXXX XXXXXXXX ) Shortly after making the payment, I determined that the project, individuals, and production company were not legitimate, and that I had been the victim of a scam involving impersonation and fraudulent misrepresentation. I immediately contacted Chime to report the transaction as fraud. While Chime provided a case number, they stated that the transfer could not be reversed and did not confirm whether the recipient account would be investigated or flagged for fraudulent activity. This was not a personal transfer, but a payment made under false pretenses for a service that does not exist. I am requesting that this transaction be formally reviewed as fraud, that the recipient account be investigated, and that appropriate action be taken. The request for payment to an unrelated individual through a peer-to-peer transfer platform is consistent with known fraud patterns and should have triggered enhanced fraud protections or warnings. I reported this to Chime under case # XXXX. When I contacted Chime to report the transaction, I was informed that because the payment was made through the Pay Anyone feature, it could not be reversed. I was asked to confirm that I had initiated the transfer, and once I confirmed, the matter was treated as a completed personal transaction rather than as a fraud claim. Although I explicitly reported that the payment was made under false pretenses due to impersonation, Chime did not confirm that the case would be escalated to their fraud team, nor did they confirm whether the recipient account would be flagged or investigated. As a result, I do not believe my report was meaningfully handled as a fraud claim, despite the clear indicators of fraudulent activity. This response does not reflect appropriate handling of a fraud report involving impersonation and deception, and raises concerns about Chimes safeguards for peer-to-peer payment scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT DO NOT DELETE! THIS IS IN RESPONSE TO PREVIOUS COMPLAINT # XXXX. I am filing this complaint regarding a collection account being reported by XXXXXXXX XXXX XXXX ( NCB Management Services ) on behalf of XXXX XXXX XXXX XXXX XXXX. I previously requested validation and verification of this alleged debt. In response, NCB only provided disclosures and documentation showing transfer of the account. They did not provide a signed contract, original agreement, or sufficient documentation proving I am legally obligated for this debt. This does not meet the requirements of proper debt verification under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). Critical Time-Sensitive Impact : I am currently in the process of purchasing a home and am scheduled to close within the next 30 days. This inaccurate and unverified collection account is directly jeopardizing my mortgage approval. Failure to correct this matter immediately may result in : Denial of my home loan Financial damages related to the loss of my purchase contract Additional costs and harm due to inaccurate reporting Requested Resolution ( Time-Sensitive ) : Immediate deletion of this collection account from all credit reporting agencies due to failure to verify Expedited investigation due to pending mortgage closing Written confirmation of deletion as soon as possible If NCB can not provide proper verification, they must cease reporting this account entirely. This matter requires urgent attention due to the imminent financial impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or unverifiable collection reporting by Jefferson Capital Systems for an alleged XXXX account appearing on my credit reports. Jefferson Capital Systems is reporting a collection account with an original creditor listed as XXXX. I formally dispute the accuracy and completeness of this account information. I requested proper validation and verification of this alleged debt, including : - complete account history, - itemized balance calculation, - proof of assignment/ownership, - date of first delinquency, - and documentation showing Jefferson Capital Systems has authority to collect and report this account. At this time, the reporting appears inconsistent across credit bureaus and I have concerns regarding the accuracy of the reporting timeline and account information. In addition, XXXX has experienced significant financial and operational issues, raising further concerns about the accuracy and completeness of transferred account records. Despite these concerns, the account continues to be reported as a collection account. I am requesting that Jefferson Capital Systems : 1. provide complete competent evidence validating this debt and all reported dates/balances ; 2. verify the correct original delinquency date being used for credit reporting purposes ; 3. investigate whether the account is being reported accurately across all consumer reporting agencies ; 4. cease reporting any inaccurate, incomplete, or unverifiable information ; and 5. request deletion of the tradeline if the account can not be fully validated and accurately verified. I also request that the Consumer Financial Protection Bureau review whether the continued reporting of this account complies with the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I financed a XXXX refrigerator that failed after approximately three years of normal household use costing {$4200.00} financed. The refrigerator developed excessive ice buildup, cooling failure, condensation, and mold concerns in both the refrigerator and freezer sections. A XXXXauthorized technician documented that the evaporator area was heavily frozen and provided an estimate of approximately {$800.00} for repairs involving defrost and airflow components. XXXX denied warranty coverage, stating the issue was not considered a sealed-system failure, despite the refrigerator becoming unusable and requiring major repairs shortly after purchase. I was also required to pay a diagnostic fee out of pocket. I attempted multiple times to resolve the issue directly with XXXX and requested assistance with repair responsibility and warranty coverage, but XXXX refused further accommodation and closed the case. I am submitting this complaint because I am still financially responsible for a financed appliance that failed prematurely and requires costly repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Company : PayPal Product : Money transfer / digital wallet Issue : Failure to assist in recovery of misdirected funds I am filing a complaint regarding PayPals handling of a misdirected payment and its refusal to assist in recovery of funds. On XX/XX/year>, I sent a payment via PayPal intended for a known contact. Due to nearly identical account names, the payment was mistakenly sent to the wrong recipient. This was an unintentional error. I identified the mistake and reported it to PayPal within approximately one hour of the transaction. I immediately initiated a dispute and requested assistance in recovering the funds. I followed all instructions by PayPal customer service as well as the instructions to the intended recipient. Key facts : The payment was sent to an unintended recipient due to a name similarity error. I have no relationship, prior transaction history, or interaction with the recipient. The issue was reported promptly, within approximately one hour. This is not a dispute regarding goods or services, but a misdirected payment. PayPal denied my claim, stating that the transaction was processed correctly. While the transaction may have been processed as submitted, it was clearly made in error and reported immediately. I was informed that PayPal contacted the recipient ; however, I was provided no details regarding those efforts and no meaningful assistance has been offered to recover the funds. As a result, the unintended recipient is retaining funds to which they have no legitimate claim. I am requesting that PayPal : Take additional, documented steps to recover the misdirected funds from the recipient, or Reimburse me for the loss resulting from this clearly documented error. I had no recourse for fixing this immediately through the system. PayPal does not provide this. I had to appeal and that took days. Given the prompt reporting, lack of relationship with the recipient, and the nature of the error, I believe this situation warrants further review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I am disputing a rental collection account reported by National Credit Systems. This account is inaccurate and unverified. The alleged debt is connected to an eviction case ( XXXX XXXX XXXX XXXX ), which was dismissed and sealed on XX/XX/year>. I previously provided documentation of the dismissal and sealed status during disputes with the credit reporting agencies. I requested debt validation from National Credit Systems, including a signed lease agreement and a complete itemized ledger of charges. The company did not provide the requested documentation and instead responded with a general verification letter. Additionally, the balance reported has changed over time, which raises further concerns about the accuracy and reliability of the account. Despite the lack of proper validation and the sealed court record, the account continues to be reported and has been marked as verified. Because the underlying case is sealed and the company has not provided sufficient documentation to substantiate the debt, I believe this reporting is inaccurate under the Fair Credit Reporting Act. I am requesting that this account be removed from my credit reports.

Company response to consumer: Closed with explanation