vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 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: AZ

Complaint narrative:
I am filing a complaint against Discover Financial Services regarding their denial of a billing dispute related to a ticket purchase totaling {$6700.00}. I purchased event tickets in early XXXX. At the time of purchase, the vendor did not clearly and conspicuously disclose that the tickets were final sale. While there was an acknowledgment checkbox, the actual final sale terms were buried within multiple hyperlinks that were not presented directly on the main purchase page or invoice. Additionally, there was a time limit imposed during checkout, which reasonably prevented me from reviewing all linked terms in full before completing the transaction. In XXXX, after learning which teams would be playing, I became concerned about potential safety risks for my child based on prior incidents involving the Iranian national team, including protests and XXXX at similar matches. I contacted the ticket vendor to request an exchange for a different game or venue. This request was denied. I called again a few days later and offered to exchange for lower-cost tickets without requesting a refund of the difference. This request was also denied. At no point was I provided access to the tickets, which prevented me from reselling them independently. Due to the vendors refusal to accommodate any reasonable resolution and their failure to clearly disclose the final sale policy, I filed a dispute with Discover. I provided documentation showing that : The final sale policy was not clearly displayed on the main purchasing pages or receipt/invoice. The policy was instead hidden within secondary hyperlinks. The checkout process included a time constraint that limited my ability to review all terms. Despite this, Discover denied my dispute, stating only that I authorized the purchase. I do not dispute that I made the purchase ; rather, my dispute is based on the merchants deceptive and non-transparent disclosure practices, which failed to meet standards for clear and conspicuous disclosure. Further research shows that this ticket vendor has been the subject of multiple complaints alleging similar deceptive practices. I have included all relevant documentation supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MO

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INC - XXXXXXXX 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 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 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because there are late payment remarks on my credit report that are completely inaccurate. These entries do not reflect my true payment history, and I will not accept false reporting that damages my credit profile.

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 2026-03-26 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: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/year>, I enrolled in an online coaching program ( XXXX XXXX XXXX XXXX ) and was charged {$7000.00} on my Citi Mastercard. Within an hour of the transaction on the same day ( XX/XX/year> ), I submitted a written cancellation request to the merchant after discovering a pricing discrepancy between publicly referenced pricing ( approximately {$5000.00} ) and the {$7000.00} amount charged. At the time of cancellation, I had only created a login profile as part of onboarding and had not accessed any course materials, attended coaching calls, downloaded resources, or received any services. The merchant responded stating that the program was non-refundable, despite my immediate cancellation and lack of service usage. I then filed a dispute with Citi shortly after the transaction, providing documentation of : Same-day cancellation Pricing discrepancy No services received Citi issued a provisional credit during the investigation. On XX/XX/year>, Citi denied my dispute and reversed the provisional credit, stating they were unable to determine that a billing error occurred. However, this determination did not properly consider that : The transaction was cancelled within hours, no services were rendered or used, the merchant revoked access immediately after I filed the dispute. There was a material pricing discrepancy that directly impacted my decision to cancel immediately. I am requesting that Citis handling of this dispute be reviewed, as I believe this qualifies as a valid dispute for services not received and cancellation prior to delivery, and was not properly evaluated.

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 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported by Comenity Capital Bank on my credit report. I submitted a direct dispute to Comenity Capital Bank under FCRA 623 ( a ) ( 8 ), disputing the accuracy and validity of an account that I do not recognize and did not authorize. In my dispute, I requested that the company conduct a reasonable investigation and provide documentation demonstrating that I am responsible for this account. Despite this request, Comenity Capital Bank has continued to report the account without providing any documentation showing that I authorized or agreed to the account. I have not received a signed application, agreement, or any records establishing my liability. This account is also being disputed in connection with identity theft. I did not open this account, did not authorize it, and did not benefit from it in any way. Under FCRA 623 ( b ), Comenity Capital Bank is required to conduct a reasonable investigation and review all relevant information provided. Simply verifying the account through internal systems or automated processes without providing supporting documentation does not meet this requirement. The continued reporting of this account without proper validation is inaccurate and is negatively impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am filing this complaint regarding Midland Credit Management , Inc. and their reporting/attempt to collect on an alleged debt. I dispute this account in its entirety. Midland Credit Management has failed to provide adequate validation of this debt, including proof of ownership, a complete and accurate accounting of the balance, and a signed agreement establishing my legal obligation. This account was previously charged off and sold by the original creditor. However, I was not properly notified of the transfer, and I have not received sufficient documentation from Midland to support their claim. Despite this, Midland may be reporting or attempting to report this account to credit reporting agencies, which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting : - Full validation of the alleged debt - Proof of Midlands legal right to collect - Immediate deletion of this account from all credit reporting agencies if it can not be properly validated - Cessation of all collection activity until proper validation is provided If Midland Credit Management can not meet these requirements, they must remove this account from my credit report immediately. This inaccurate reporting is negatively impacting my credit and financial standing, and I am seeking immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: FL

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 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX - I opened an account. XXXX through XXXX - I funded the account with transfers from my other bank accounts XXXX through XX/XX/XXXX - I set up autopay and direct deposit from my company. My direct deposits are > $ XXXX and I received an ~ $ XXXX bonus in XXXX. XX/XX/XXXX - Account balance is {$100.00} XXXX. XX/XX/XXXX - I went to transfer {$4000.00} ( approx 10 % of my bonus ) out of the account after verifying an external brokerage account. Account became restricted, I was asked to submit 4 months of bank account statements. XX/XX/XXXX - morning - XXXX informed me that I had only opened the account less than one month ago, and that it was my first ach transfer. Both incorrect, but that he would have it evaluated today. XX/XX/XXXX - XXXX XXXX - XXXX explained that there were some errors with the records submitted. While on the phone with him I got all of the statements and resubmitted. He, while on the phone validated that all of them were received and contained the correct information. He explained to me that the XXXX account had been validated and that XXXX XXXX and XXXX had issues which is why I resubmitted them while on the phone. He told me that he looked at them and they were all correct and valid and would get them back to the department to reevaluate.. XX/XX/XXXX - XXXX XXXX - XXXX - informed me that XXXX was missing some statements. He told me that he couldnt connect me with a supervisor either, only could schedule a callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
The Company had served me to appear in court, they have been sending me different settlement amounts, and they have not responded to my question that I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
I am filing this complaint because Chime has repeatedly refused to refund an unauthorized electronic fund transfer on my account, despite my immediate reporting and clear evidence that I did not authorize or benefit from the transaction. On the date of the incident, I received an email/push notification alerting me to a charge from XXXX that I did not authorize. As soon as I saw the notification, I took the following steps : - I immediately contacted Chime to report the transaction as unauthorized. - I contacted the merchant ( XXXX ) to notify them that the reservation was fraudulent. - I contacted the XXXX host directly to inform them that the booking was not made by me. - The vehicle associated with the charge was never picked up, and no services were received. I followed all required procedures under Regulation E, including prompt reporting and providing all requested information. Despite this, Chime has denied my dispute twice, each time within XXXX hours, without conducting a proper investigation and without providing any explanation that aligns with federal law. Both denials occurred even though : - The transaction was clearly unauthorized- I reported it immediately - I provided evidence showing no services were rendered - I complied with all of Chimes instructions Chimes actions appear to violate Regulation E ( 12 CFR 1005 ), which requires : - A goodfaith investigation - Provisional credit within 10 business days - A decision within 45 days, not 24 hours - A refund for unauthorized electronic fund transfers Chime has failed to meet these obligations. Their rapid denials suggest that no meaningful investigation was performed. I am requesting the CFPBs assistance to ensure that Chime : 1. Properly investigates this unauthorized transaction 2. Provides the required provisional credit 3. Issues a full refund as required under Regulation E 4. Corrects any improper handling of my dispute I have acted promptly, responsibly, and in full compliance with federal requirements. Chime has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: Chime Financial Inc
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX refused to refund funds paid for moving and damaging furniture and breaking my bed I advised chime to dispute transaction the service wasn't completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: FL

Complaint narrative:
What wrong with Cash App closed XXXX problem everything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: TN

Complaint narrative:
Re : Defective and Hazardous Product sold for public usage The XXXX is defective XXXX unsafe. The battery intermittently fails, XXXX the bike stalls in all gears without warning. This has created dangerous situations in traffic XXXX public areas, posing a serious safety hazard. Timeline of Events : XX/XX/year> : E-bike purchased XX/XX/year> : Product delivered XX/XX/year> : XXXX acknowledged issue ; I submitted XXXX videos documenting the defect per their request XXXX : Repeated assurances from XXXX XXXX XXXX that XXXX would be completed within XXXX business days ; no resolution provided XX/XX/year> : XXXX message confirmed my refund was approved XXXX that I did not need to return the product XX/XX/year> : XXXX stated refund was XXXX processed XX/XX/year> : Case was closed by XXXX without resolution, well within the stated XXXX guarantee window XX/XX/year> : XXXX continued requesting previously submitted information without progressing resolution Policy Violations : XXXX XXXX policies clearly state : Free returns on most items within XXXX days Money-back guarantee if your item arrives damaged or defective Despite meeting these conditions, the XXXX XXXX platform failed XXXX honor their guarantee. Failure of XXXX : Capital One denied my dispute, stating they sided with the XXXX. However, this decision failed XXXX account for : Documented video evidence of a defective product Written confirmation from XXXX that a refund was approved The XXXX failure XXXX honor a clearly stated return XXXX refund policy The safety hazard posed by the defective product This does not constitute a reasonable investigation. Legal Basis : Under the Fair Credit Billing Act, charges for goods that are defective or not as described qualify as billing errors. The lack of a meaningful investigation XXXX reliance solely on the XXXX position is inconsistent with these protections. Requested Resolution : I am requesting a full reversal of this charge. I am prepared XXXX provide all supporting documentation, including : XXXX evidence of the defect Screenshots of XXXX communications confirming refund approval Copies of all correspondence with the XXXX XXXX platform

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX keeps contacting me regarding debt but didnt provide information XXXX threaten with pre legal activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
I am submitting this complaint regarding how my deposit XXXX account were handled by Renasant Bank. On XX/XX/26 I deposited a school refund check at a branch location. At the time of deposit, I was given a printed document showing that part of my funds would be available on XX/XX/XXXX XXXX the remaining balance on XX/XX/XXXX. I relied on this written information. After leaving the branch, I later discovered that the availability of my entire deposit had been changed XXXX XX/XX/XXXX. I was told this was due XXXX my account being overdrawn XXXX that the hold had been entered incorrectly. I should not be negatively impacted by a bank error. I was provided written disclosure at the time of deposit, XXXX those terms were changed after the fact without proper notification. In addition, my account was charged over {$300.00} in overdraft fees during a time when I was dealing with a serious ankle injury, XXXX, XXXX recovery. I explained my situation XXXX requested assistance, but my request for a courtesy fee reversal was denied. I have documentation showing the original deposit availability dates and can provide it if needed. also want XXXX express concern about how I was treated during this experience. The interaction left me feeling judged XXXX dismissed, particularly in relation XXXX my financial situation. I felt that I was not treated with the same level of respect or consideration that other customers may receive. This experience raised concerns for me about whether economic status or race may have influenced how my situation was handled. have documentation showing the original deposit availability dates XXXX can provide it if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MA - XXXX * * * * XXXX I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I got mail saying XXXX update my acct. info. or that my acct would be restricted. thinking this was a scam I went XXXX my bank XXXX do speak with someone in person. we did what was asked & I signed a page. I did not receieve a copy. a month goes by & I couldn't pay a bill. I had XXXX drive there & try. Doing so, they told me my card was restricted. I called the support # & got no answers. they were filing out a form. I kept asking what form, for what? they didn't know. I went XXXX the bank & the XXXX was rude & unhelpful. I was told another form was filled out. she couldn't tell me what this was for or how long it would take.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I made a purchase on XXXX for XXXX. Tha amount on the card was XXXX. The purchase was declined by XXXX XXXX no refund XXXX gift card.

Company response to consumer: Closed with explanation