vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had a active PayPal account for years I noticed fraudulent activity and disputed charges which were removed more fraudulent charges were made I again disputed charges and asked company why my account is allowed to continue getting hit with fraudulent charges they said they were sorry and removed the charges once again my account was hit with fraudulent charges and at tha time I requested charges be disputed which they did I then asked to close my account which they said they did yet I still received charges previously disputed and new charges on the account which are now in collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 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: OK

Complaint narrative:
Validation of Debt Request - CAINE & WEINER - XXXX 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 ) XXXX, 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 XXXX 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 2026-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I received an email from Capital One Shopping offering {$180.00} in rewards for a purchase over {$300.00} at XXXX, expiring on XX/XX/year>. I made this purchase on XX/XX/year> for {$430.00}, meeting all requirements for the credit, including clicking through from the email to make the purchase. The purchase went through and I received my item, but upon checking my rewards, I was given only XXXX %, which was {$8.00} in rewards and well below the offered amount of {$180.00}. I sent a message to Capital One Shopping on XX/XX/year> via their website as they offer XXXX ways to contact them besides the online form. They responded with an auto-reply that they'd review and respond within XXXX business days. I received the response today XX/XX/year> saying that " We show no records of a higher rewards of {$180.00} when you spend $ XXXX on the date of purchase XX/XX/year>. We are unable to adjust rewards to an unverified rate. '' This is absurd given that my submission included the email that THEY sent me confirming the reward offer, as well as proof of my purchase. From a brief search online, it's clear that this is a recurring problem with Capital One. They are effectively scamming people into making purchases, and then not providing the promised rewards. This should be immediately stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
On the date of purchase, we tried on several rings with the store associate. We discussed our financial position and where we wanted to be on a monthly payment basis. We also inquired about promotional offers, including XXXX % interest financing, which was being offered at the time due to the holidays. We spent a good amount of time going back-and-forth with the associate on how we could get the ring we wanted at the payment amount that we could afford. We asked to see her screen when she gave us the confirmation that she could get the ring for the right price for the monthly payment we could afford. We reviewed her screen and agreed that everything looked good. We had gotten a receipt with purchase, but did not look at the fine print on the receipt. We only looked at the total for the ring and confirmed that it was as she had described. When we received the statement from the credit card company we noticed there was a finance charge and interest applied to the balance. We contacted the credit card company who suggested that we reach out to the store so that they could adjust our account to be the correct promotional plan. When we reached out to the store, they refused to change anything and claimed that the XXXX % ( deferred ) interest promotional offer was never even an option. I asked for the associate who sold us the ring to give us a call, and she never called back. We moved onto the credit card company and filed a dispute based on the fact that we were sold a promotional program and not given it. Then, we received the denial on our dispute. We were misled by the sales associate on the promotional program and we believe it was so that she could make a sale. She kept saying that she hadnt made a sale yet that month, and that we were her first sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
On XX/XX/year> at approximately XXXX I was on the phone for XXXX min and spoke too a supervisor named XXXX he was very rude and disrespectful telling me he had XXXX and that hes not interested in hearing my son story i immediately asked for a supervisor due too how I was being treated I was denied and told too watch my mouth due too my foul language he was just very rude and very disrespectful Im requesting CFPB too investigation my XXXX claim I have with XXXX XXXX as XXXX was approved and the other was not even tho they were done the same place same date and same time instead I was charged for it and had too pay XXXX federal back {$120.00} due too them giving me the provisional credit I asked them why the approved XXXX and not the other didnt really get a legit answer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Formal Complaint regarding charge off accounts and lack of payment arrangements. To whom it may concern, I am writing to formally file a complaint regarding the reporting and handling of my charged off accounts with capital one. Although my accounts ( XXXX, XXXX ) have already been charged off Capital One continues to report the accounts as late, past due, and with additional derogatory remarks on my credit report. I have made repeated efforts to resolve this matter and have expressed my willingness to establish a payment arrangement in order to satisfy the balance. However, rather than providing a written payment agreement or an official payment schedule, I have only received letters instructing me to contact customer service to negotiate terms over the phone. I have requested written documentation outlining a payment plan, but this has not been provided. I am making a good faith effort to repay this debt, yet the continued reporting of late or derogatory statuses while no formal payment arrangement is being offered in writing is extremely concerning and damaging to my credit profile. I respectfully request that Capital One provide the following : A written payment agreement outlining a clear payment schedule for the charged-off balance. Clarification regarding the continued reporting of late or past due status on an account that has already been charged off. Consideration of updating or correcting the reporting once a payment arrangement has been established. I am committed to resolving this matter and paying the balance owed, but I require proper documentation and fair handling of the account. I ask that this issue be reviewed and addressed promptly. If this matter can not be resolved directly, I will consider filing a formal complaint with the Consumer Financial Protection Bureau and other appropriate regulatory agencies. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hello, I reached out to Wells Fargo regarding a charge I did not authorize and I am very upset to know they are not going to help with this transaction. I have been with the bank for years and never had fraud and Im very upset and dont want to pay for something I didnt receive it was for a charge in XXXX for {$400.00} at a nail salon that I dont live by

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 2026-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I opened a dispute with Bank of America in mid XXXXXXXX XXXX ( The Claim XXXX and amount : {$2800.00} ). Unfortunately after opening this claim, I had to re-open it at least XXXX times because every time Bank of America states that " Theyre unable to confirm that you were supposed to receive something different than what you received. We requested, but didn't receive, information showing what you received is different than what you purchased. '' This resolution is unacceptable because I provided a lot of supporting documentation that would support my claim and in return the vendor could not even provide any documentation back to Bank of America or not any documentation in XXXX language! To summarize, the vendor misled me with wrong marketing information before making the purchase and more importantly the vendor breached the contract between me and them. This was a travel package purchase from a vendor called " XXXX '' yet on the day the tour started they transferred the the services to a third party vendor " XXXX '' without my contest and knowledge and this new vendor threatened me and my family to purchase additional options i.e. sightseeing packages otherwise myself and my family were left alone in the hotel or dropped off the road. The vendor/merchant, XXXX violated my rights with a situation that is completely contrary to the rights of the customer and breached the contract between myself and them. Although, all this information was relayed to Bank of America several times, Bank of America refuses to investigate the situation nor tries to work with me further on the matter.

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 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX, XXXX. and their attempts to collect an alleged credit card debt from me. I disputed the alleged debt and requested proper validation as permitted under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). However, the firm has failed to provide documentation sufficient to verify that the debt belongs to me. The only materials provided to me were credit card statements that do not contain my name or address. The firm has not provided the original signed agreement or any documentation demonstrating that I entered into the alleged credit card contract. Despite failing to properly validate the debt, the firm has proceeded with aggressive collection actions, including initiating wage garnishment. I also believe that I was not properly served with the underlying lawsuit as required under Minnesota law, raising serious concerns about the validity of the judgment used to obtain the garnishment. These actions appear to violate the Fair Debt Collection Practices Act, including but not limited to : 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1692g Failure to provide proper debt validation I am requesting that the Consumer Financial Protection Bureau review this matter and require XXXX XXXX XXXX, XXXX. to provide proper validation of the alleged debt and address the improper garnishment that has been initiated against me. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 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: GA

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: IN

Complaint narrative:
Validation of Debt Request - PROCOLLECT INC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2026-03-11 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: IN

Complaint narrative:
Validation of Debt Request - RADIUS GLOBAL SOLUTIXXXX XXXX XXXX XXXXXXXX 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 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 2026-03-11 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 was victim of a scam on XX/XX/year>, Chase decided to close my checking account without previous notification, I received a statemen indicating that I was going to receive two checks, I received one of the checks and the other one was withheld pending a resolution to a claim. I was told several times that the claim was ruled in my favor and then at the last minute it was claimed that I stated making a transaction which I never did and the claim all of the sudden was ruled against me and the check was never sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS/XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This emotional toll has been very overwhelming. I have lost a lot of sleep. XXXX contest stress and experience the embarrassment of being turned around by mortgage companies, car companies for something I believe shouldnt be on my credit this has not only impacted me, but my stability to provide safe, housing, reliable transportation for my family. This debt collector has done some unjustifiable practice of the FDCPA which is prohibited. They furnished this account which we did not agree upon and I didnt sign an agreement. On a legal contract its signed by two parties and I did not participate in any of it, they didnt follow the proper 5 step validation procedure. According to the FDCPA Im entitled to compensation for these violations and clearly they violated my rights and abuse my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
At the beginning of XX/XX/XXXX, PayPal froze my account under the email address of : XXXX. They would not give me a reason why, but said by XX/XX/XXXX, I would be able to access my balance of {$3600.00}. It is now passed XX/XX/XXXX and my account is still frozen. I have called and also done chat with them and they will not help me or give me any reason why I can't access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MN

Complaint narrative:
I am filing this complaint against * * Chime ( serviced by The XXXX XXXX or XXXX XXXX ) * * for failing to resolve multiple unauthorized transactions and billing errors. 1. * * Unauthorized Ghost Charge ( {$15.00} ) : * * In XXXX, an unauthorized charge from XXXX was processed even though my account had a XXXX XXXX XXXX0.00} balance XXXX XXXX giving me a negative balance of - {$15.00}. Chime should not have authorized a new charge on an empty account. I have called 6 times ; representatives frequently claim they can not " locate '' the charge despite it being visible in my app. Supervisors have repeatedly dropped my calls the 2 times they located the charge during reimbursement attempts. 2. * * Unreleased Hotel Hold ( {$50.00} ) XXXX XXXX XXXX A {$50.00} merchant hold from a hotel has not been released back to my account. The hotel has confirmed the funds were released, but Chime is refusing to reflect this in my balance. 3. * * Prior Unresolved Fraud ( {$200.00} ) : * * In 2022, Chime " ghost charged '' my account {$200.00}. I provided a merchant email explicitly stating they never charged me, yet Chime denied the dispute. * * Statutory Violations : * * Under * * Regulation E ( 12 CFR 1005.11 ) * *, Chime is required to conduct a prompt and thorough investigation of these errors. Their failure to do so, combined with their recent * * {$3.00} XXXX CFPB fine * * for delaying consumer refunds, shows a pattern of unfair and deceptive practices. I demand an immediate credit for the {$15.00} and {$50.00} charges and a reopening of the 2022 fraud case. I provided a screenshot of the pending charges from today while I was on the phone with Chime

Company response to consumer: Closed with explanation