vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
On XX/XX/year> my cash app acct was disabled due to suspected gambling. At the time I had a balance of XXXX. On XX/XX/year>, I was trying to transfer the balance of XXXX to my bank acct. I transferred the money to a linked debit card that I don't use nor have anymore. I called and chatted cash app customer service right away and explained the situation of what had just happened. I explained that I need those funds put back into the cash app so I can send them to the correct bank. They inform me, cash app that is, that's the funds were sent successfully to my linked debit card.And that they could not do anything to get me funds back.\nThat I would have contact the debit cards bank. So I contacted coastal community bank and they stated that it's cash app who has to be the ones to reverse the funds. I have called Cash App for the last 2 weeks, almost every day. I have chatted with them online only to have each one of them. Tell me a different story of why they can't reverse the funds and then they make me fill out a dispute for having my account closed. And i'm just fed up with it, and I really need my money back, and they are refusing to help me get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management is trying to collect on a debt that is with a different party. 
collection of the amount of {$5500.00}. 
i have requested validation of debt with signature i do not feel as if the investigation was resolved properly. 
still trying to collect debt without validation or my signature i have original contract myself an will provide do not have midland credit management name on it nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/year> we went to Best Buy to purchase a TV. We made our selection and the salesperson offered us additional products at no additional cost, discounts and extended warranty IF we would take out a Best Buy credit card. We neither wanted nor needed another credit card, but the offer seemed too good to pass up. The credit card would be mailed to us, but the transaction was charged to the card that day. The total charge was {$1500.00} which included taxes, fees and {$190.00} for the delivery/setup. 

We pointed out to the salesperson that our delivery address for the TV did not receive mail and gave him our mailing address, which is a XXXX XXXX 

We never received the card nor the first several bills as they were sent to the delivery address, not our mailing address, and returned to Best Buy Credit ( or Citicard ). We were also unable to access our account online because we did not have the account number.

Best Buy Credit ( Citibank ) contacted us when the XXXX statement was past due and we paid {$110.00} by XXXX bank transfer to keep the account current. We also advised we had not received the credit card nor a statement/billing and discovered they were sent to the delivery address and returned. We gave the representative for BB/CB our mailing address and were told the card and statements would be sent to our XXXX XXXX XXXX XXXX XXXX statement was again sent to the delivery address and there not received by us. We still had not received the BB Credit card and therefore could not access the account online. 

We opened a dispute # XXXX as we thought it unfair to charge late fees and interest when we had NOT received a statement. We offered to pay {$1400.00} to settle this dispute which is the dispute amount {$1500.00} less the {$110.00} we had paid by XXXX deposit. Best Buy Credit/Citibank refused and wanted {$1500.00} or they threatened to report this to the various consumer credit agencies. I am XXXX XXXX XXXX and do not need their credit card nor this aggravation. I have documents to support my claims.

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 monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
I am submitting this complaint regarding serious failures by Wise Payments Limited that resulted in the loss of my life savings and ongoing harm to my health. In XXXX, I was targeted by a scammer who used threats and coercion to force me into making multiple payments through my Wise account. I reported this to Wise and provided evidence of the threatening communications and transactions, but I do not believe Wise took adequate steps to safeguard my funds or properly investigate what happened. 

The funds were held and transferred in USD and routed through XXXX Bank, a XXXX bank. For this reason, I am seeking review by a XXXX XXXX XXXX, as this matter involves US-based banking and payment systems. 

Wise issued a first final response in XX/XX/XXXX, and I escalated the case to the XXXX XXXX after 5 months of investigation. In XX/XX/XXXX, the XXXX concluded that the payments were authorized. I disagreed and submitted further evidence showing the payments were made under threats and coercion. After further contact with Wise and the CFPB, Wise issued a second final response on XX/XX/XXXX, acknowledging that I was a victim of a scam and advising me to return to the XXXX. The XXXX later declined to reopen the case, stating the matter had already been considered. 

I am concerned by inconsistent information in the records I received through Data Subject Access Requests, including a claim that the payments were made from a mobile device when I made them from my laptop, and the inclusion of XXXX screenshots even though I do not have a XXXX account and XXXX is not supported in my country. These issues were never clearly explained or corrected. My account has been closed when I am victim here. After opening another account on Wise, they closed it too. 

This situation has caused severe financial loss, prolonged stress, and a serious decline in my health. I am requesting an independent review of Wises handling of this matter, particularly in relation to its use of US-based banking and payment infrastructure, and a fair resolution based on a full and accurate assessment of the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing this complaint because I feel that I am a victim of a UDAPP violation. I recently made two payments totaling {$4000.00} to my Chase credit card in order to pay down the balance of {$4500.00}. The interest charges on this card are incredibly high and making regular payments to lower the balance has proved impossible. I borrowed from my XXXX to pay off this credit card. After the payments posted from my bank I noticed that the credit was not made available so I called the customer service number. I was told by a representative that the credits were put on hold till XX/XX/year>. The representative also told me that they are not lowering my credit limit. I asked this question because Chase lowered my limit on another card last year when I paid it off in full. On the XXXX of XXXX the credits were made available and the following day or so after they lowered my limit to just {$1000.00}. I now owe them the majority of the cards credit limit all over again after paying off the majority of the previous balance. This is a deceptive act by Chase to keep customers stuck in never ending interest cycles and keep them in debt. I did the right thing and paid off my debt to them but Chase lowered my line and recycled my account right back into a high debt ratio on the account. I just spoke to a supervisor for them on the phone who told me his name was XXXX XXXX XXXX refused to give me his full name or to transfer me to a superior, stating he was the final point of contact even though he said his XXXX is there. I was told by XXXX XXXX that my credit limit was adjusted after an automated account review. It is very convenient to Chase that these account reviews only happen to ones account after you pay it off. Chase could have lowered my line at any time before that and I still would of had to pay off the original balance. This is a UDAPP violation, it is unfair and deceptive and takes advantage of those who are struggling to make ends meet. Chase is refusing to restore my credit limit or even to just increase it. This credit adjustment they made to my account is going to negatively affect my debt to income ratio and credit score. Because of this adjustment my account went from being 90 % paid off to 90 % utilized without me making any purchases. I am very upset and feel that I have been taken advantage of. I also want to mention that the notification of this adjustment came on the same day that the adjustment took place. There was no warning or chance to close the account before they acted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX for {$39.00} plus {$4.00} shipping from XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, United States ; XXXX ; tel. XXXX ) using my PayPal account. The product was advertised as a non-invasive glucose monitoring device. However, the item I received was a standard glucose meter that requires XXXX XXXX XXXX. 

I contacted the merchant to report the discrepancy. The company informed me that they would only issue a partial refund of 60 %, totaling {$26.00}, which was processed through PayPal. Because the product did not match the description and the refund was incomplete, I subsequently filed a dispute with my XXXX credit card issuer for the remaining amount. 

XXXX refunded {$20.00}, which was charged back to the merchants PayPal account. Following this, PayPal reversed the {$20.00} credit and charged it back to me, stating that I had received a double refund. This characterization is incorrect, as the XXXX refunds corresponded to different portions of the transaction and together only reflected the full amount paid for a misrepresented product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CFPB Formal Complaint : Capital One Bank Subject : Dispute Mismanagement, Improper Account Closure, and Violation of Consumer Privacy Statement of Problem : I am filing this formal complaint against Capital One Bank for their failure to properly process merchant disputes despite conclusive evidence of a refund owed, and for the subsequent retaliatory and arbitrary closure of my account.

1. Dispute Details and Failure to Honor Evidence I initiated three dispute claims regarding a merchant who failed to deliver merchandise due to logistics issues in XXXX. I provided Capital One with exhaustive documentation, including : The original purchase invoice and receipt. 

A XXXX XXXX issued by the merchant. 

A Refund Receipt from the merchant promising a full reversal of the charges. 

Despite the merchant acknowledging the debt and providing proof of a refund intent, Capital One has failed to secure my funds. I was never granted provisional credit, which has since been impacted by the banks pending investigation to finalize in my favor despite the " paper trail '' provided. Also violating Reg E and ignoring federal law.

2. Arbitrary Account Closure and Privacy Concerns Following the submission of my evidence, Capital One began questioning my residency and digital security practices. I maintain residences in both XXXX, XXXX, and XXXX XXXX. Capital One cited my frequent travel and my use of a Virtual Private Network ( VPN ) a standard security toolas a basis for suspicion.

I believe the bank is overstepping its bounds and violating my privacy rights by penalizing me for using a VPN to secure my connection while abroad. Instead of protecting my account as a victim of a merchant failure, they have chosen to " de-risk '' by closing my account, effectively harassing me for my lifestyle and security choices rather than addressing the failed transaction.

3. Network Transition Issues During this period, Capital One trans
itioned my account from the Mastercard network to the XXXX network. This change occurred without adequate support for my pending claims, and I believe this internal transition has contributed to the mishandling of my refund and the subsequent technical failure of my debit card services. 

Desired Resolution : Immediate Reversal : Finalize the three merchant disputes in my favor based on the provided credit memos and refund receipts.

Account Access : Provide a full explanation for the account closure and ensure all remaining funds are released immediately via check or transfer.

Privacy Review : A formal acknowledgment that the use of a VPN for security is not a valid basis for account termination or harassment of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I currently have the following accounts with Capital OnXXXX XXXX XXXX XXXX  Quick Silver Capital One - XXXX last XXXX - this has a XXXX balance XXXX XXXX  Platinum Capital One - XXXX last XXXX - this has a XXXX balance XXXX XXXX  Capital One Auto Loan- XXXX last XXXX current balance is {$6000.00} The account balances are ALL incorrect on my credit report. I have asked to update but they still report the an incorrect balance. I am trying to get an apartment to raise my XXXX XXXX. Anything you can do to assist would be greatly appreciated. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2026, Capital One closed my credit card account without any prior notice, warning, or opportunity to respond. The only explanation provided was a vague statement that Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage. No specific transaction, behavior, policy violation, or timeframe was identified. 

On XX/XX/2026, at approximately XXXXXXXX XXXX, I contacted Capital Ones credit card department seeking a clear and specific explanation for the account closure. The representative was unable to provide any concrete details and stated that nothing could be done. The representative speculated that the closure may have been related to a returned payment of {$300.00}, but could not confirm this or explain why such an issue would justify immediate account termination without notice.

I contacted Capital One again and spoke with another representative, XXXX, who repeated the same generalized explanation without offering any factual information. I was then transferred to a supervisor in the credit card department, XXXX ( Agent ID : XXXX ), who likewise failed to provide any meaningful explanation, documentation, or reference to specific Capital One policies. At no point was I provided with a definitive reason for the closure or informed of any right to dispute or correct the alleged issue.

This sudden and unexplained account closure has had a direct and severe impact on my financial stability and livelihood. The loss of available credit without warning has interfered with my ability to manage essential living expenses, including rent and other recurring obligations, and has disrupted access to funds relied upon for basic daily needs. The resulting increase in credit utilization and potential damage to my credit profile may have long-term consequences affecting my ability to secure housing, maintain financial stability, and meet essential obligations.

I am requesting CFPB review due to the severity of the financial harm and Capital Ones refusal to provide transparency. Capital One should also be required to ensure that any credit reporting related to this account is accurate, complete, and fully compliant with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding a debt being reported and collected by this company that is inaccurate and has not been properly validated. 
I previously disputed this account and requested verification. To date, this company has failed to provide competent evidence that I authorized this account, including a signed contract, original application, or other documentation bearing my authorization. 
Despite the lack of proper validation, this account continues to be reported to consumer reporting agencies, causing ongoing harm. Additionally, the account appears to have been sold or transferred multiple times, further calling into question the accuracy and ownership of the alleged debt. 
Continued collection and reporting of an unverified and inaccurate debt constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I am requesting that this company either provide proper verification of this debt or cease collection and delete the account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
Unauthorized Withdrawal of funds multiple times totaling through chime, XXXX, and XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: HW Holding, Inc
State: MN

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and unauthorized negative information that appears on my credit report. 

On XX/XX/year>, I was notified through XXXX of an account reported by XXXX XXXX with a balance of {$6700.00}, classified as seriously past due or in collections. I want to clearly state that I have never opened, authorized, or had any prior knowledge of this account, nor have I had any lending or creditor relationship with this company. 

This information is incorrect and has caused a significant decrease in my XXXX XXXX, negatively impacting my ability to obtain new credit lines, loans, or other financial services. I believe this matter XXXX be the result of a reporting error or potential identity theft or fraud. 

I respectfully request that this issue be thoroughly investigated and that Hunter Warfield be required to : Provide valid documentation proving that this debt belongs to me, and If such proof can not be provided, immediately remove this account from all credit reporting agencies. 

I am willing to provide any additional documentation necessary to support my claim. 

Thank you for your time and assistance in correcting this inaccurate information and protecting my rights as a consumer.

Company response to consumer: Closed with explanation