vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 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: OR

Complaint narrative:
While traveling in XXXX XXXX XXXX on XX/XX/year>, I purchased a {$17.00} singe hot dog from XXXX XXXX vendor using my capitol one card. I tapped to pay using my phone on the merchants XXXX device ( or similar device ). I was not presented with an option to tip or received a paper receipt. I received an email from capitol one notifying me of a large tip of an additional {$40.00}, altering the charge to {$57.00} after my transaction ended. I opened a dispute using their email as my proof because I wasnt provided anything from the vendor and have no method to contact them directly. Capitol One closed the case several days later- stating the merchant responded. I reopen the case. It was closed the same day with the same note that the merchant responded. I the called and spoke to XXXX different people- both stated the charges were valid and theres nothing they could do. I was escalated to XXXX ( ID # XXXX ) and she clarified that I tapped to pay, i never physically provided my card, i was never provided a receipt, and the transaction was altered after I completed it. She said the merchant disputed my claim and provided proof. I asked if she can show me the proof that is obvious fraud or she can close my account. She continued to close my account and did not provide proof when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I obtained a vehicle title loan from TitleMax located at : Address : XXXX XXXX XXXX XXXX, XXXX, AL XXXX Phone : ( XXXX ) XXXX in approximately XX/XX/year>. The original loan amount was approximately {$2200.00}. Since the loan was issued, I have made payments totaling approximately {$3600.00} toward the account through required monthly payments and fees. Despite these payments, I was recently informed that the remaining balance on the account is still approximately {$3000.00}. After realizing that the amount I had already paid exceeded the original principal borrowed, I contacted the local TitleMax store to request information about the balance and to ask whether a payoff adjustment or settlement could be considered. During this call I was placed on several extended holds and was ultimately told that the store does not offer settlements. I then contacted TitleMaxs corporate office for clarification. A representative advised that settlements may be possible but would require approval. However, there was no indication that my request was reviewed or considered, and no follow-up was provided regarding a potential resolution. I am concerned that the structure of the loan, including fees and renewals, has resulted in a situation where I have already paid significantly more than the amount originally borrowed, yet the remaining balance still exceeds the original loan principal. I am requesting that TitleMax provide a full accounting of the loan including : A complete payment history A breakdown of all fees and interest charged How the remaining balance of approximately {$3000.00} was calculated I am also requesting that the company review the account to determine whether a reasonable payoff adjustment or settlement can be considered given the amount already paid relative to the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing regarding an issue with a payment made on XX/XX/year>, on a Capital One XXXX credit card account for which I am an authorized user. On that date, I submitted a payment in the amount of {$37.00} from my personal bank account. The funds were available in my account at the time of the payment, and I initially observed the transaction being debited. However, the payment was later marked as returned, despite the fact that sufficient funds were available. As a result of this returned payment, the account has now been assessed a {$25.00} past-due fee. Because the payment was made in good faith and the funds were available, I believe this fee has been applied in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: SC

Complaint narrative:
To this date XX/XX/year> they have failed to provide sufficient documentation. instead, they have continued collection attempts and/or negative credit reporting. This conduct appears to violate the fair debt collection practices Act ( FDCPA ) and the fair credit reporting Act

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: DE

Complaint narrative:
I previously held an account with SoFi which has already been closed. When I attempted to open a new account, the system displayed a message stating that my SSN/ITIN is already in use and that only one account is allowed per person. However, I can no longer access my previous account and therefore can not log in. I contacted SoFi customer support multiple times by phone, but the explanations provided were inconsistent and no effective solution was offered. As a result, I am currently unable to access my old account or open a new one using my ITIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In [ XX/XX/year> ], I discovered a debt on my account that I did not authorize. This debt appears to be the result of fraud. I did not open this account, make any charges, or consent to any transactions associated with it. Once I became aware of the issue, I contacted the company to dispute the debt and requested verification. Despite this, the debt is still being reported. I am requesting that this fraudulent debt be investigated, removed, and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: MA

Complaint narrative:
~~Background This dispute concerns a sale completed through XXXX XXXX for a XXXX XXXXXXXX XXXX XXXX XXXX. The item was listed for {$450.00}, and we agreed on a final sale price of {$400.00}. Because the buyer was located a significant distance away, the item was shipped via XXXX. ~~Proof of Delivery XXXX Tracking Number : XXXX The tracking information confirms delivery on XX/XX/year> at XXXX XXXX in XXXX, MA. The package shows confirmed delivery to the buyers address. ~~Item Condition and Description Accuracy The listing clearly described the item as : -XXXX XXXX XXXXXXXX XXXX XXXX XXXX -Visible vintage wear -Treated leather -Includes brown purse insert -No returns The delivered item matches the listing photos and description exactly : -Same model and style -Same color -Vintage wear consistent with description -Purse insert included The buyer did not raise any concerns regarding condition prior to delivery. ~~Authentication Evidence On XX/XX/XXXX, the buyer claimed the bag was not authentic after consulting an unverified XXXX group XXXX The group is not a licensed authentication service and has no formal authority to determine authenticity. I provided third-party authentication through XXXX, a recognized professional authentication service. XXXX performs : -Serial number verification -Hardware inspection -Stitching analysis -Material comparison These procedures exceed informal opinions from social media groups. XXXX XXXX : XXXX XXXX XXXX XXXX The certificate includes photographic verification consistent with the listing and delivered item. The buyer has provided no expert authentication report or concrete evidence proving the item is counterfeit. ~~Key Issue Despite proof of delivery and professional authentication, funds were reversed without evidence that : -The item was returned -Return tracking was provided -Delivery of the returned item was confirmed I have not received the returned merchandise, nor has proof of shipment or delivery been provided. This appears to be a reversal without documented proof of return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I receive 3 calls per day while I am trying to works the first call is usually around XXXX, second is closer to XXXX, and the third call is between XXXX. 3 calls for 7 days a week is over 21 calls alone and during my work hours where my phone is not supposed to ring. I have expressed to the company they best time to call and even when I do answer and speak with them and make payment arrangements. I still get calls! As if nothing was communicated.

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am reporting Deceptive Financial Practices by PayPal. The merchant ( XXXX ) has terminated my service and officially marked the transaction as 'Refunded '. However, PayPal is unlawfully withholding these funds. Their support team admitted they could not resolve the issue and explicitly instructed me to 'work with my bank ' to recover my money. This is not a simple dispute ; this is a coordinated failure where PayPal is holding onto money that no longer belongs to the merchant, while refusing to credit it back to my XXXX XXXX XXXX account. I demand an immediate release of my {$79.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hello, I have two fraudulent charges on my bank account from XXXX XXXX in the amounts of XXXX and XXXX. I saw emails stating my information had been changed on XXXX XXXX site to send both transactions. XXXX XXXX has confirmed this is fraudulent and cancelled the account. XXXX XXXX is waiting for the XXXX XXXX to approve a return but stated it would be unlikely. Navy federal has denied three claims stating I participated when I have sent in screen shots of the change of the information ( phone number and address ) ; XXXX XXXX claim number where they state this is verified fraud, a police report and my own personal messages threatening the person who stole from me. Navy federal stated that none of this is important information. This is my final attempt at resolution before moving to small claims court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: IN

Complaint narrative:
I contacted EdFinancial in XX/XX/XXXX to report a fraudulent student loan opened with my stolen personal information. They advised me submit a loan discharge application. I completed the application and mailed it to EdFinancial on XX/XX/XXXX. They requested additional information/evidence XX/XX/XXXX. I submitted the requested information and filed a second application. I waited weeks for a response. On XX/XX/XXXX, EdFinancial requested additional evidence. I have submitted far more documentation than necessary to prove my identity as well as evidence of identity theft. When checking my credit reports, I found that the account has been sent to a collections company and has negatively impacted my credit rating. I have been waiting six months for the my case to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Complaint Against : Synchrony This complaint concerns a retail installment loan for a home air conditioning system and a payment misapplication error that has remained unresolved since XX/XX/year>. At the end of XX/XX/year>, I submitted a payment intended to satisfy my XXXX installment. During that same timeframe, servicing of my account was transferred. My payment was incorrectly applied to principal rather than credited as my XXXX monthly payment. After contacting customer service, I was instructed to submit an additional XXXX payment and was told that the payment applied to principal would be refunded. I followed those instructions and made a second payment in XX/XX/year>. In XX/XX/year>, a refund was issued ; however, it refunded the XXXX monthly payment instead of the payment that had been misapplied to principal. As a result, the principal payment was retained, and my account has been treated as though my XXXX payment was not made. Since XX/XX/year>, I have contacted customer service multiple times and have repeatedly been told the issue would be resolved within 3060 days. As of today, the error remains unresolved. Because of this servicing mistake, I have been charged late fees and additional interest that I do not owe. While my credit report has not been affected, my account balance has been improperly increased due to fees and interest resulting solely from the companys billing error. I am requesting : Proper crediting of my XX/XX/year> payment. XXXXmmediate removal and refund of all late fees and additional interest resulting from this error. Correction of my account balance. Written confirmation that my account is current and accurate. I have documentation of both payments and prior communications and am prepared to provide it upon request. Additionally, because late fees and interest continued to accumulate as a result of this unresolved servicing error, I was forced to request an extension on my account. I would not have needed this extension had my XX/XX/year> payment been properly credited in the first place. The extension was necessary solely because of the companys failure to correct its billing error. As a result, I have incurred additional interest and have experienced unnecessary financial strain. I am requesting that any negative consequences related to this extension be reviewed and that I be made whole for all fees and interest resulting from this error.

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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Received email regarding late payment on my credit. I found my credit card account with Bank of America had a charge back in XX/XX/year> that I did not make. They added fees and late charges despite it being the ONLY transaction on the card since XX/XX/year> and the card was showing locked status. The representative XXXX stated just because the card was locked doesn't mean charges can't be placed on it. I then asked what's the point of locking the card of which I received the reason it prevents people from stealing your card and charging on it. I have a prefect credit score and value my exemplary credit history. This charge is now showing delinquent on my credit. It was my understanding that locking the cad prevented charges which is why I was surprised to see I had a late payment. Bank of America should refund all of my late fees, and the charge they allowed to be made on a locked credit card. I paid the whole balance plus fees to get it off my credit and closed my account. I believe this extremely suspect and request a full refund of these erroneous charges.

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 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bilt Technologies, Inc.
State: VT

Complaint narrative:
I've been long customer with bilt XXXX, but recently they update from bilt XXXX to XXXX when this transition happened, I had an option to add authorized user. It didn't clearly state there will be charge of XXXX dollar. This transition selection happened early XXXX,. I realized this in mid XXXX, so I canceled authorized user to avoid annual fee for authorized user. Their app and website clearly says no authorized user, however their system for some reason has authorized user listed. I tried calling customer service to resolve this asap as I am charged for this already. But XXXX from customer service, case number XXXX, states there is nothing they can do on their end, I, as a customer, need to call and reach out to different department to resolve this issue. I am not happy with this recommendation, as I don't see the reason for me to resolve their technical issue that was caused on their end. I want them to handle this properly, and resolve this with responsibility as soon as possible. Different department is not an excuse, as it is issued by their credit card company. I'm not obligated to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am receiving threating calls and constant voice mails. This stressing me out because this company by is violating my rights under 15 U.S.C. 1681s-2 ( a ). Information is inaccurate. To Whom It May Concern, This account is not mine, and I do not owe this debt. I request that this account be removed from my credit file immediately and that your records be corrected to reflect this information. Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a CFPB complaint against XXXX XXXX XXXX XXXX on XX/XX/year>. On XX/XX/year>, XXXX XXXX responded that they instructed all 3 credit bureaus to remove the account from the consumers credit file and that all collection activity would cease. Despite this, TransUnion is still reporting the XXXX XXXX XXXX account ( Acct # XXXX ) on my credit file dated XX/XX/year>. TransUnion is reporting information that the furnisher has already declared inaccurate and ordered deleted, violating 15 U.S.C. 1681e ( b ) and 1681i. I am requesting immediate deletion and confirmation.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
I deposit a check from my church on XXXX XXXX. Was told something fraudulent was linked to my account so the account had to be closed. Ask if the account was fraudulent why deposit the check. The check is legit because I received from my church. Notified the bishop who then told me the money was withdrew from the account. Called Sofi two weeks later who then told me I have to wait 30 days before the account would be officially closed and a check will get mailed. XXXX XXXX made a month still nothing. The check is still in the account. I have called a minimum of 6 times with the same answer you have to wait. They can not give me an idea answer to why am I waiting on my funds. The bank closed the account so why I can not get my funds. They can also reach out to the person who is over the check to verify I suppose to have the check which was given to me by the church. I called for the last time on XXXX XXXX and was told they are still working on my funds. All Im being told is we are working on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DE

Complaint narrative:
I tried to get a refund due to a scam through cashapp. Cashapp does nothing The pictures I have attached are the agreement me and the seller agreed to. That I ended up finding out it was a scam due to never receiving the item and the seller not messaging me back after I sent the money. I sent the money using cashapp.

Company response to consumer: Closed with explanation