vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 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: GA

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a billing dispute involving airfare broker XXXX. 
The airline tickets were issued ; however, the merchant charged excessive, deceptive, and misleading service fees of {$2900.00}. These fees were not clearly disclosed prior to purchase. The merchant subsequently issued credits totaling {$2400.00}. There is still a charge of {$490.00} outstanding that we are requesting be removed from our credit card. XXXX 's advertising represented that the company would secure discounted airfare, but the fee was only revealed after the transaction was completed. 
I made multiple good-faith attempts to resolve this directly with the merchant and provided call log screenshots to Capital One as requested. Capital One denied my dispute multiple times solely on the basis that the fee was labeled a merchant service fee, without addressing whether the fee was adequately disclosed or whether the merchant engaged in deceptive pricing practices. I am requesting that Capital One conduct a higher-level review of this dispute and consider a courtesy credit due to the misleading nature of the transaction and the excessive, undisclosed fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Aidvantage student loans. Received a letter saying I now have interest on my loans in forbearance, as of XXXX. 

Unpaid Principal : {$8200.00} Unpaid Interest : {$460.00} Current Balance : {$8700.00} In addition the repayment plan has gone from 3 loans to 4 loans, as they unconsolidated one consolidated loan without my approval or request. 

Years ago they removed a loan from my payment plan without me knowing, forcing me to deal with it separately after it racked up interest charges. I have since paid that loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XXXXXXXX  cfpb XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Account # [ XXXX ] Dispute of Credit Reporting To Whom It May Concern, I am submitting this dispute regarding the above-referenced account as it appears on my consumer report. The reporting appears inaccurate, incomplete, and unverifiable. This dispute is submitted pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681, 1681i, and 1681s-2 ( b ).

Basis of Dispute The account as reported raises serious concerns regarding verifiability and compliance, including : Inability to substantiate the date of first delinquency Verification of the reporting entitys legal authority to furnish this account Documentation supporting post-repossession balances and any alleged deficiency Evidence that all required notices were issued and retained in accordance with federal and state law Consistency and accuracy of reporting across all credit bureaus The information, as reported, does not appear to be fully verifiable and may be in violation of the FCRA.

Request for Action Under federal law, consumer reporting agencies are required to conduct a reasonable rein
vestigation of disputed information. Verification can not rely solely on automated systems or internal summaries.

I am requesting : Documentation confirming the verification process Identification of any furnisher relied upon Evidence supporting the accuracy, completeness, and legal authority of the reported account If the disputed information can not be fully verified, federal law requires that it be deleted from the consumer report.

I am copying this dispute to the CFPB and XXXX  for oversight purposes due to ongoing concerns regarding the accuracy and verifiability of the reporting. 



Reservation of Rights This correspondence does not constitute an acknowledgment of liability or acceptance of the validity of the alleged debt. All rights are expressly reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was sent to collections for a credit card account without receiving any billing statement or notice of payment due. The creditor failed to send a required billing statement prior to declaring the account delinquent and referring it to collections. 

I did not receive a paper bill or electronic statement, and I was not notified that the account was past due. As a result, my account was improperly sent to collections, causing credit damage and fees. 

I logged into my account online in XX/XX/year> and got the message that no account was found with the provided credentials. 

I then called the creditor in XX/XX/year> and they shared they have no records of me having an account with them or a past due balance and not to worry about any payments due. 

I found out about my current balance from a credit report and when called the creditor, they initially shared they have no records of a due balance or account and upon further questioning from my end, they transferred me to account recovery where they confirmed the account was sent to collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: IN

Complaint narrative:
case # XXXX on or about XX/XX/year> i attempted to register the {$100.00} gift card for online purchaces. 
the company website said it could not process my request at that time. 
XXXX hours later i attempted to pay for gas at a local station in XXXX XXXX. and it was denied for insuffecient funds. 
i returned home and called the provided customer service # and a recording played saying " if you have recently tried to regester your card for online purchaces please try again at a later date '' then i went on to check ballance and it was {$0.00}. 
i went back to the website to check transaction history and learned that while i was attempting to regester the card a {$100.00} purchace was being made that i had no knolage of and no other person had any acess to the card or its information. 
i filed a dispute. 
after a series of emails and later calls i was informed that there found " inconsistancies '' so were denying my claim. 
i respondes questioning " what inconsistancies '' to witch no answer was provided. 
i called a number of times to appeal this finding and asked for evedence to suppport their findings and was told the company gave them proof that a product was purchaced and shipped to me. 
i then asked for evidence such as product information, invoices, tracking numbers. 
i was provided with an image of a small small XXXX XXXX with my name and address typed in it. that i had provided with my initian complaint. 
i called and said this is not evedience of anything and they said they would send another email with all the evedience. 
i then recieved another email denying my claim with the same XXXX XXXX as before and an additional identical white square but this one had " shipped '' typed above my name and address. 
what a disreputable operation this is

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have been making payments to my US Bank credit card on-line with a link to my checking account with XXXX XXXX XXXXXXXX for XXXX months. These payments have been continually reversed with no explanation. It would show paid, then a couple of days later it would be reversed. I have confirmed that my XXXX XXXX XXXX account information is correct, in fact when I log into US Bank, I also have access to my checking account with XXXX XXXX XXXX, including my balance and transactions. I called and spoke to the manager XXXX today ( XX/XX/XXXX ) and she said my routing number to XXXX XXXX XXXX was incorrect and I asked her how that was possible as I can see my XXXX XXXX XXXX  account balance and transactions when logging into US Bank? I asked her if I can use a debit card to make a payment and she said NO. She was extremely rude, talked over me and then hung up on me. 

My concern is the number of payment reversals, which have led to numerous late fees and severe damage to my credit score. I do not believe this is my fault and that these late fees should be reversed and my credit score reporting corrected. 

I have been a member of US Bank since XXXX and am extremely disappointed in the unwillingness to correct the problem and the indifference of the manager XXXX! The number I called is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year> I was the victim of a scam that resulted in unauthorized access to my account. Upon discovering the suspicious activity, I contacted Bank of America immediately. During that initial call on a recorded line, I was explicitly informed by your representative that it was a good thing I called right away and that the transaction was stopped before it was completed. The representative stated the transactionw and assued me that it would be canceled with my immediate report of fraudulent activity. 
During the phone call, I also shared that I was the victim of a robbery approximately XXXX hours prior to the scam. All of my personal data and items ( i.e. 
debit card, credit card, passport ) were compromised as the result of the crime. 
The formal police crime report reference number and communications ( dated XX/XX/year>, XXXX XXXX ) are provided as further evidence. 
Despite promptly reporting the fraudulent and unauthorized transaction immediately, my claim was later denied and the provisional credit is now being reversed. This determination is inconsistent with both the facts of the incident and the information provided to me by Bank of America at the time of reporting. 
To be clear : I did not authorize the transaction ( s ) in question.

The activity involved account compromise and deception, not valid customer authorization. 
I reported the incident promptly, which Bank of America acknowledged allowed the transaction to be halted. 
If the transaction was stopped and not completed, there should be no valid basis for a loss assessment against my account. 
Classifying this incident as an authorized transaction is inaccurate. 
Authorization obtained through fraud, coercion, or account takeover does not constitute valid authorization under Regulation E ( 12 CFR 1005 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On or about XX/XX/year>, I completed Capital Ones customer questionnaire regarding an unauthorized XXXX transaction. My responses were truthful based on the information available to me at that time. 

I later discovered that my device, email account, and phone number had been compromised without my knowledge, culminating in the theft of my XXXX on XX/XX/year>. A police report was filed. 

This complaint is submitted to clarify the record based on after-acquired information and to request proper review of the unauthorized transaction. A sworn declaration is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously disputed inaccurate information directly with the credit reporting agency. The agency responded that the items were verified, yet failed to provide any method of verification or documentation demonstrating how the information was validated. 

I never provided written authorization or consent permitting this information to be furnished or maintained on my consumer report. 

Despite this, the agency continued reporting the disputed items in violation of its statutory duties under the Fair Credit Reporting Act, including but not limited to 15 USC 1681e ( b ) and 15 USC 1681i ( a ), which require reasonable procedures and a meaningful reinvestigation.

The agency failed to conduct a reasonable reinvestigation as required under 15 USC 1681i ( a ) ( 1 ).

Additionally, the agency violated 15 USC 1681i ( a ) ( 5 ) and 15 USC 1681i ( a ) ( 7 ) by failing to properly delete or certify the information before the completion of a lawful investigation and by failing to provide required reinvestigation disclosures. 

The continued reporting of this information also violates my right to privacy and includes information excluded from consumer reports under 15 USC 1681a ( 2 ) ( B ), as the reported data reflects personal experiences rather than permissible credit reporting data.

Consumer reporting agencies hold a grave responsibility to ensure fairness, accuracy, relevancy, and proper utilization of consumer information. This agency failed to adopt or follow reasonable procedures and failed to respect my rights as a consumer. 

The agency failed to describe the nature, scope, or substance of any reinvestigation conducted, rendering the verification conclusory and noncompliant.

Automated or conclusory verification without substantive review does not satisfy reasonable procedures under federal law.

This complaint reflects a pattern of inconsistent and unsupported verification across consumer reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Today I received a response to my complaint about Ally Bank, but I can only say that this bank is incredibly dishonest and refuses to acknowledge its own problems. Their team is completely disorganized ; it seems they haven't received any proper training on their business operations. When I call them, each person handles the situation differently. My main point today is that they clearly have the ability to issue me a check or a direct refund, but instead, they are making things difficult for me, a regular customer, by requiring the cooperating bank to submit a cancellation request. This is essentially theft. If the other bank doesn't cooperate with the cancellation, they'll just keep the money. And from the response I received today, it's clear they intend to do just that. My account was restricted on XX/XX/XXXX, and while I received some funds back in XXXX, a portion of the money is still missing. Their explanation is that I need to urge the cooperating bank to act, which is ridiculous. They restricted my account, preventing me from accessing my funds, and now they're acting like the good guys by telling me to chase after the other bank. What kind of bank does this? Furthermore, the response I received today completely ignores the remaining balance of XXXX or XXXX dollars ; it only addresses the XXXX larger transactions. This clearly shows they intend to keep my money they are thieves! I haven't received any service from this bank ; instead, they've caused me significant harm and losses. I deeply regret opening an account with this bank. This experience has taught me to always choose a large, established physical bank, not an online-only bank like this one, because resolving problems with these online banks is incredibly difficult.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
company reached out to me about my debt to XXXX XXXXXXXX XXXX  XXXX $ but I just paid off the debt on XX/XX/year>. So I dont want to be contacted anymore about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a Chase Freedom Unlimited Credit Card. In XX/XX/year>, I realized a charge of {$130.00}, dated XX/XX/year> by a plumbing supply establishment. I know nothing about this business for which the card was used but I later found out it was a plumbing supply store after googling it. I made a report via the Chase app and they told me new card will be issued. The new card came, but the {$130.00} balance was brought over on the card. I also saw, today, that a {$5.00} interest charge was charged to the card for the unpaid {$130.00}. When I called Chase to inquire about this, they was asking me to verify the fraudulent transaction. However, after going through the statements, I realize that the transaction could not be found. It is clear that they removed the transaction from the statement but not the balance. I was also told by XXXX of the numerous representatives I spoke with that all the charges in the card are mine. I also went back into the system to see if they had any tracking in the reported dispute, but the system showed no current dispute present on this account. I spoke with about XXXX representatives for Chase, and no once could have given me an answer from what was going on. I also attempted to close the account but they were first trying to get me to transfer the credit from the card and place it on the other credit cards I have with them. I was finally able to get on to another agent at the end of the day who was able to close the account. I expressed my frustration with him and that I do not want a balance on the card which would be sent to collections after closing, for which he said that will it happen. With what transpired, I do not fully trust what he said. They deleted the transaction form the statement, so I have no tangible proof of it, except the balance on the card. I thought all transactions would remain on a statement regardless. This caused me not to remember the exact name of the business. The only thing that made me remember the date of the transaction was that after seeing it, I tried to backtrack my card usage or any subscription for the date and it was on the day I chaperoned my daughter on her field trip. 
I hope you are able to help me with this matter. I know that, next time, to download all banking statements, and not leave them for reference online where things can be tampered with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: TN

Complaint narrative:
Capio Partners has unlawfully reported a collection account in my name without providing any competent evidence that the alleged debt belongs to me. At no point have they produced a signed agreement, account statements, original creditor documentation, or any verifiable proof establishing my responsibility for this account. Despite this absence of validation, Capio Partners proceeded to place the account on my credit report, causing reputational and financial harm. 

This action constitutes an improper and potentially unlawful debt collection practice. Reporting a debt without substantiation demonstrates a reckless disregard for accuracy and violates fundamental consumer protection standards. The burden of proof rests entirely with the debt collector, and Capio Partners has failed to meet that burden. Their continued reporting of this unverified account reflects negligence at best and willful noncompliance at worst.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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