vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXXXXXX in Texas. The transaction was financed through Capital One Auto Finance at XXXX percent XXXX. The financing included approximately XXXX dollars in add on service contracts. Within weeks of purchase, the vehicle began exhibiting hybrid high voltage battery faults and failed to hold a charge. Approximately 60 days after purchase, it developed cooling system failures. On XX/XX/XXXX, the oil filter housing and cooling system failed catastrophically, causing total coolant loss and rendering the vehicle undriveable. Independent inspections, including a XXXX specialty repair facility, confirmed active cooling system failure, hybrid system fault codes, multiple fluid leaks, and safety related suspension defects. One inspection noted that diagnostic trouble codes had been cleared prior to sale. The vehicle is currently not roadworthy and remains preserved in unrepaired condition. I have incurred approximately XXXX dollars in diagnostic expenses, in addition to towing costs. I contacted Capital One to request a review of the underlying dealer conduct, placement of the account in dispute status, and temporary payment forbearance while this matter is investigated. Capital One declined to provide payment assistance and informed me that a dealer complaint review would be opened internally. No written findings or resolution have been provided. I have sent a formal demand letter to the dealer under the Texas Deceptive Trade Practices Act and have filed regulatory complaints. Despite this, I remain obligated on a high interest loan for a vehicle that is not roadworthy. I am requesting that Capital One conduct a formal review of the dealer transaction, evaluate the add on products included in the financing, place the account in dispute status, and provide temporary forbearance while this matter is investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Despite the client speaking directly with two branch managers and the Chase XXXX XXXX, the funds remain unreleased over a year later, far exceeding the promised XXXX review period. Chase has confirmed they are holding the refund but refuses to return it to XXXX XXXX XXXX XXXX XXXX or release it to the customer. Please take immediate action to reclaim these funds from the originator side so this matter can finally be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: U.S. BANCORP
State: MA

Complaint narrative:
I am a resident of Massachusetts. My XXXX XXXX XXXXXXXX ( issued by Elan XXXX XXXX ) was closed for inactivity on XX/XX/year>, without any prior notice. On XX/XX/year>, just three weeks prior to closure, the bank sent me an official email stating that my earned rewards ( balance XXXX points, cash value {$350.00} ) were valid and that only a small portion ( XXXX points ) was set to expire on XX/XX/year>. I reasonably relied on this written deadline to my detriment. When I attempted to redeem these points on XX/XX/year>, the system blocked me. I contacted Elan XXXX XXXX on XX/XX/year> ( Rep : XXXX, call ID : XXXX ), who stated the account was closed at XXXX XXXX XXXX request. I subsequently messaged XXXX XXXX, who disclaimed responsibility and directed me back to Elan at ( XXXX ) XXXX. On XX/XX/year>, I spoke with representative XXXX and Supervisor XXXX ( call ID : XXXX ). The bank now refuses to honor the XX/XX/year> deadline they provided in writing. They have stated they will only restore my earned rewards if I submit to a re-application process involving a hard credit pull. This is a violation of CFPB Circular 2024-07, which prohibits deceptive " bait-and-switch '' rewards tactics and the revocation of earned rewards based on actions outside a consumer 's control ( unilateral closure ). I am requesting a direct check for the cash value of {$350.00} or a reinstatement of the account without a hard credit inquiry.

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 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
My brokerage and spending account with Robinhood has been locked for over 7 days with no explanation and no response to multiple written support requests. I am currently traveling internationally, which may have triggered a fraud or compliance review, but Robinhood has provided XXXX communication, no timeline, and no access to my funds. I am unable to log in to use their support chat, and email support has not responded. I am requesting regulatory review of this account restriction and assistance in obtaining a formal response from the firm. This lack of communication is causing financial harm due to inability to manage positions or access funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NH

Complaint narrative:
I dont know what this company is that says I owe them money never got a notice of me having a debt with them and now that have put it on my credit report and is holding me back from things I need to get done the collection was open on in XXXX of 2025 and I dont know why I have never use this company for anything so why will I know them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
In XXXX, I enrolled in a debt relief program with Accredited Debt Relief after speaking with a representative named XXXX XXXX. During the consultation, we reviewed all of my outstanding debts. I was informed that my required contribution would be {$520.00} per month, which I arranged to pay biweekly in accordance with my pay schedule. I was also advised that the program would last approximately XXXX XXXX During enrollment, I was instructed to download an application called Beyond to manage my account and monitor payments. I later discovered that Beyond is an affiliate partner company and not the same entity as Accredited Debt Relief. This relationship was not clearly disclosed or explained to me during enrollment. I was told that once Accredited Debt Relief contacted my creditors, they would negotiate settlements for less than half of my total balances. I was instructed to stop making payments to my creditors in order to allow the company to negotiate more effectively. Approximately XXXX months into the program, XXXX of my credit card companies notified me that my account had been closed due to non-payment. This has negatively impacted my credit report. Concerned, I contacted Accredited Debt Relief to inquire about my account and the funds in my reserve account. I was advised that approximately {$590.00} had accumulated. At that time, I requested to terminate the program and receive a full refund of my funds. The representative informed me that I would receive my refund within XXXX business days, depending on my bank. The following day, I called again to confirm the status and requested to speak with a manager. I clearly stated that I wished to end the relationship and receive a full refund of my contributions. The manager informed me that {$200.00} would not be refundable because the company had already negotiated with XXXX creditor. Shortly thereafter, I received documentation confirming that my account had been terminated. When I reviewed my bank account, I found that I received only {$39.00}. I was not provided with any itemized accounting or explanation of how this amount was calculated. This amount is substantially less than what I was told would be refunded. I contacted the company again and requested that a manager review the recorded call in which I was promised a full refund. I was told I would receive a return call ; however, I have not been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX ( XXXX minutes ago ) to me To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Specifically, please provide the following : The name and address of the original creditor. The full amount of the alleged debt, including a breakdown of principal, interest, fees, and any other charges. Documentation showing I am legally obligated to pay this debt. A copy of the original signed contract or agreement bearing my signature. Proof that your agency is licensed and authorized to collect debts in my state. Documentation showing your agency has been assigned or has purchased this debt. Until you provide proper validation of this debt, you must cease collection activities as required by federal law. If you are reporting this account to any credit reporting agency, please note that reporting a debt that has not been validated may constitute inaccurate reporting. I request that all future communication regarding this matter be in writing. This letter is not an acknowledgment of liability for this debt, nor is it a refusal to pay. I am simply exercising my rights under federal law.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Subject : Formal Debt Validation Request and Dispute of Alleged Balance {$450.00} Dear Jefferson Capital Systems , LLC, I am writing to formally dispute the alleged debt of {$450.00} that your company claims I owe. This correspondence serves as a request for full validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c and 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). Please provide complete documentation verifying the validity of this account, including : The name and contact information of the original creditor. A full accounting and itemized statement showing how the balance of {$450.00} was calculated. A copy of any signed agreement or contract demonstrating my obligation to pay. Documentation showing that Jefferson Capital Systems , LLC has legal authority to collect this debt. The date and amount of the last payment, if any. Until you provide the requested validation, I request that you cease all collection efforts and suspend reporting this account to any credit bureau. Under 15 U.S.C. 1692c ( c ), I am requesting all future communications be conducted in writing only. Furthermore, under 15 U.S.C. 1681e ( b ), please note that I am disputing this debt as inaccurate and unverified. If you have already reported this account to any credit reporting agencies, you must immediately mark it as in dispute until validation is provided. If you can not substantiate this debt with appropriate documentation, I request that you immediately delete any related trade lines or negative information from all credit bureaus ( XXXX XXXX XXXX XXXX ) and provide written confirmation of such action. This letter is not an acknowledgment of any debt or liability. I expect a written response within 30 days of receipt as required by federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Ask this company to provide me with documentation stating they where able use use my information to obtain any information on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
A deposit in my XXXX XXXX account was reported as fraud although it was authorized from the person who sent it and now my accounts are restricted i reached out to early warnings and the information for that account was blocked but now i still can't recover my account and Zelle wont re open the investigation to recover the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
on date XX/XX/year> a transaction was made of {$1000.00} from Citi bank with sender reference XXXX the details I gave XXXX XXXX was to a XXXX XXXX in Colorado they sent the money by entering the wrong information to XXXX XXXX XXXX. XXXX XXXX said to me they need to have documentation proof showing them that the money was returned to their account I tried to contact Citi bank and they said that they need the account holder to reach out to them regarding confirming the the return of funds. they said that XXXXXXXX XXXX XXXX needs to call them and they do not call outside banks I reached out to XXXX XXXX XXXX and they said they can not provide me with any information regarding the return those funds to Citi bank and they will not call Citi bank to trace the return of money XXXX XXXX have maintained they need proof of return and I am to be the individual who provides this XXXX XXXX furnished me with the receipt of payment and the information regarding my address is not correct- they have failed to acknowledge this.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: SC

Complaint narrative:
I am submitting the complaint regarding an account that is being reported and or/ collected under my name that does not belong to me. I have never opened, authorized, or benefited from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — Store credit 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: PA

Complaint narrative:
On XX/XX/year>2025 I was trying to buy an item that I didnt know it was a scam/fraud. I was charged 4 different kind of charges, which is XXXX {$44.00}, XXXX {$43.00}, XXXX {$23.00} and lastly XXXX XXXX. After I found out that day XX/XX/XXXX I called the credit card company to to stop the transaction because that is a scam. But they did not do something. They just let it go. I called several times the company to process the dispute claim, their answer is always under investigation. Now it almost a month the credit card company did not resolve yet. I always call them, they always transferring my call to the different department. And lately I received the letter from synchrony Bank that my claim has been denied. They said there is no fraud! How that happens? I was been charge 4 times that I dont know where that came from. I keep calling all the time to removed the charge in my account. They always response its under investigation.

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 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I began the process of re-financing my vehicle under my name alone, I completed the process with the bank on XX/XX/XXXX, according to their records. They claimed it would take 30 to 60 days for my vehicle title to update to reflect only my name. After waiting the 60 days they claimed it would take to update my title, they found that no action had been taken and " the paperwork did not go through '' and claimed it will take another 30 to 60 days to receive the updated information. My vehicle registration expires this month and now I need to rush to figure out how to register my vehicle while the paperwork has been neglected by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX Company Name : JPMCB Card Services Complaint Summary : Breach of Pay-For-Delete Agreement Immediate Action Required I am filing a complaint regarding inaccurate credit reporting and failure to honor a pay-for-delete agreement. The account ( xxxx xxxx xxxx XXXX ) was opened on XXXX XXXX, 2023, and reported as a charge-off with a balance of {$600.00}. Payment was made under an agreement that this account would be deleted from my credit report. However, the company has failed to remove the account and continues reporting it as a charge-off. I am disputing liability for this debt and requesting : Immediate deletion from all credit reporting agencies Written confirmation of deletion Correction of any inaccurate reporting The companys continued reporting of this account despite payment and agreement to delete is unfair, misleading, and harmful to my credit standing. I am requesting regulatory review and enforcement to ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Ava Finance, Inc
State: GA

Complaint narrative:
I am filing this complaint against XXXX for unauthorized electronic fund transfers from my bank account. I previously notified the company in writing that I revoke any and all authorization for them to access or debit my account. I demanded cancellation of any services and clearly stated that I do not authorize further withdrawals. Despite this, the company continues to deduct funds from my account. I do not have their application installed on my device and have not authorized recurring transactions. These withdrawals violate the Electronic Fund Transfer Act ( 15 U.S.C. 1693e ) and Regulation E ( 12 CFR Part 1005 ). Under federal law, authorization for preauthorized electronic fund transfers must be revocable, and I have revoked authorization. The company has failed to : Cease debiting my account Provide proof of authorization Refund unauthorized transfers Confirm closure of any account in my name I am requesting : Immediate refund of all unauthorized withdrawals. Written proof of alleged authorization. Confirmation of permanent account cancellation. Deletion of my financial data. If this matter is not corrected immediately, I reserve all rights to pursue civil remedies under 15 U.S.C. 1693m for statutory damages, actual damages, and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding improper debt collection practices by Midland Credit Management. On XXXX XXXX, 2026, a representative from this company contacted my spouse, XXXX XXXX, regarding a debt that does not belong to him. The caller requested that he take care of or pay the debt. My spouse is not the debtor, has no contractual obligation for this debt, and did not authorize any responsibility for it. Despite this, the collector attempted to pressure him into resolving the account. This conduct appears improper and potentially in violation of the Fair Debt Collection Practices Act, which restricts communication with third parties and prohibits misleading representations regarding liability for a debt.

Company response to consumer: Closed with non-monetary relief