vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am following up on my previous dispute regarding the collection account listed on my credit report under the account XXXX. In my initial dispute, I requested the removal of this account due to the collection agencys failure to provide debt validation. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : The method used to verify the accuracy of this collection account. The name and contact information of the person or entity that provided the verification. Copies of any documents or records used in the reinvestigation process. As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-complaint with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ). Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I submitted a request through XXXX XXXX online prequalification/application process for the XXXX XXXX card. I then received a written notice dated XX/XX/year> stating that Capital One could not offer me a card at this time. The notice stated the reason was that Capital One had observed activity on XXXX or more prior Capital One accounts that was inconsistent with typical customer account usage. There was a prior Capital One account matter many years ago that was later fully resolved. To my knowledge, there are no unpaid balances currently owed to Capital One. I applied for the Venture X card because I value the product and would genuinely like the opportunity to be part of Capital One again as a customer. My concern is that Capital One may still be relying on outdated internal records or unclear internal criteria related to a matter that was resolved years ago. The explanation provided is too vague for me to understand what issue remains or what steps I can take to become eligible for future products. I respectfully request that Capital One review its records, confirm that prior accounts accurately reflect resolved status, and provide a clearer explanation of whether any internal restriction remains and what actions, if any, I can take to become eligible for future products.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a {$1500.00} payment on XX/XX/XXXX, that the Bank of America app first showed as pending, then confirmed as paid. The funds never actually left my checking account. After I used the money, BoA attempted to pull it again, got an NSF notice, and then they returned the entire payment from my credit card on XX/XX/XXXX, leaving me with more debt. I contacted support in which they told me " we did not receive a payment '' followed by me saying " the app confirmed everything though '' which led to them responding with " when the app says confirmed, it does not mean confirmed '' And ofcourse that didnt help at all.

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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Account # XXXX. Capital one. I advised on all of my capital one debts upon closure that I would be paying what I could monthly. I put this in writing. I did and have been paying. In a complaint filed by me I got a response stating there is a " suit '' against by mentioned collection law office. I am a XXXX individual. Documented XXXX. I am also a spouse of a XXXX veteran who is being harassed due to me being harassed. It is illegal to harass XXXX individual as well as a XXXX spouse and a XXXX veteran as well. I have XXXX income. Social security XXXX and VA XXXX from my XXXX husband. I had stated I will pay this XXXX account and am sending these payments directly to Capital One. There should be no lawsuit as they mentioned and I feel I'm being threatened with a lawsuit when we are dealing with enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX XXXX Cashapp names : XXXX XXXX XXXX XXXX XXXX I had a deposit of {$790.00} from my taxes deposited XX/XX/year> and XX/XX/XXXX my funds were taken out. The card on file that was listed when withdraw is not my card. There was another deposit of {$270.00} that was also taken from my cashapp. I have contacted cashapp support. I have filled many dispute claims. All they keep saying is that it is under investigation. I did not send the payment to XXXX XXXX either in none of the amounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I obtained a personal installment loan with XXXXXXXX XXXX in approximately XXXX for an original amount of {$26000.00} with an APR of 17.74 %. My required monthly payment has been {$630.00}. During the first portion of the loan, I enrolled in automatic payments based on the understanding that I would receive an interest rate reduction of approximately 0.25 % for autopay enrollment. After reviewing my account history, I do not see evidence that this autopay interest rate reduction was applied. I later discontinued automatic payments after noticing this issue. Over the course of the loan, I have made both regular monthly payments and additional principal-only payments intended to reduce my loan balance more quickly. Despite these payments, I have concerns about how payments were applied to principal versus interest. When requesting payoff quotes from the company, I was repeatedly provided similar payoff amounts that did not clearly reflect the impact of my additional principal payments. I requested a full payment history, breakdown of interest and principal applied, confirmation of the autopay discount, and a detailed payoff calculation, but I did not receive a clear explanation. My current remaining balance is approximately {$4400.00}. I am requesting a review of whether payments, interest charges, and the autopay discount were correctly applied and a correction if any errors are found. I have recently been notified that my loan servicing is being transferred to a new company. However, my complaint relates to the servicing and payment history under XXXXXXXX XXXX prior to the transfer.

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 2026-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I was on XXXX for XXXX months and didnt have access to my phone. There wasnt WiFi on XXXX to access my payment. I should have had my bill set on autopay but I forgot .. so I came back from a XXXX with months missing payments. It wasnt intentional, it was just me being away for months on XXXX with access to internet of any kind. I came back and paid it and kept my payment current but it stayed on my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
On Friday XX/XX/year> I received email that my chime account balance went from {$0.00} to {$46.00}. Theres nothing showing on my account that justifies this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a formal complaint against Citibank for failing to conduct a reasonable, good-faith investigation into a disputed, fraudulent charge of {$310.00} from a merchant ( XXXX XXXX XXXX XXXX Despite my status as a XXXX customer who pushes over {$120000.00} in annual transaction volume through my Citibank accounts XXXX the dispute department summarily closed my claim in the merchant 's favor based on entirely inadequate and unverified 'evidence. ' The merchant provided an undated, tightly cropped photograph of a pre-existing dry mark on a car seat, lacking any timestamp, vehicle identifier, or context. Furthermore, the merchant failed to produce any pre-rental inspection documentation proving the mark was not a pre-existing condition before I took possession of the vehicle. Citibank accepted this invalid photo as undeniable proof, demonstrating a complete failure to uphold their dispute resolution obligations under the Fair Credit Billing Act to protect consumers from arbitrary and unsupported merchant penalties. I am requesting an immediate executive review of this dispute and a permanent reversal of the {$310.00} charge.

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 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Im filing this complaint regarding a {$20000.00} wire transfer from my Wells Fargo account that I did not authorize. The funds came from a {$26000.00} draw on my HELOC, which I also did not authorize. In the days leading up to this, I received alerts about someone signing into my account from a new device. On XX/XX/XXXX, there was also activity on my phone ( including an outgoing message ) that I did not initiate, which makes me believe my login or authentication was compromised. While this was happening, I was on the phone with Wells Fargo reporting that the activity was not mine. Despite that, the following still occurred : - A new wire recipient ( XXXX XXXX ) was added to my account - {$26000.00} was drawn from my HELOC - A {$20000.00} wire transfer was sent the next day to XXXXXXXX XXXX - Biometric login was enabled on my account afterward without my permission I did not authorize any of these actions. Wells Fargo initially closed my case ( Case # XXXX ), stating that the transactions were authorized and that I had told them I gave information to a scammer. That is not true. I never spoke to a scammer or gave out any information, and I have asked them to review the call where they believe I said that. After being told the case was closed, I filed a police report to document the fraud. From my perspective, this was an account takeover. Someone accessed my account, borrowed money in my name through my HELOC, and then transferred it out. Im asking that Wells Fargo : - Reopen and properly review my case - Review the call recordings they are relying on - Explain how these transactions were approved despite the alerts and my real-time report - Reimburse the unauthorized transactions Im submitting this complaint so the situation is formally reviewed and documented. This complaint updates a prior submission with additional details and supporting documentation.

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 2026-04-27 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: Credit Control, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2026 Subject : Credit Report Dispute Request for Removal of Inaccurate Account To Whom It May Concern, I am writing to formally dispute an account listed on my credit report. I obtained my credit report from XXXX, XXXX, and/or XXXX and found the following information to be inaccurate : Account Name : credit control llc Account Number : [ XXXX ] Reason for Dispute : [ Not mine / Incorrect balance / Wrong late payments/ Unauthorized account / Other ] I am requesting that this account be investigated and removed from my credit report if it can not be verified as accurate under the Fair Credit Reporting Act. Please find enclosed copies of supporting documentation to support my claim. I request that you complete your investigation and notify me of the results within the required timeframe. If the information can not be verified, I request that it be deleted promptly from my credit file. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
The company calls me multiple times a day. The debt is from well over 10 years. In the past, they have contacted family members I dont even speak to. This is nonstop and becoming harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
" I am disputing XXXX unvalidated collection accounts from Portfolio Recovery Associates , LLC and a XXXX XXXX XXXX record ( Docket XXXX ). As a XXXX XXXX XXXX XXXX, I have previously demanded full validation of these alleged debts under 15 U.S.C. 1692g, including original wet-ink contracts and a complete itemized accounting. The company has failed to provide this legally required evidence, offering only insufficient electronic printouts. Furthermore, I am requesting an 'Early Exclusion ' of the XXXX record filed on XX/XX/year>. This record is nearly XXXX years old, and all associated accounts are within XXXX months of their natural removal date. The continued reporting of this unverified and aged data is an improper use of my credit report and causes significant financial hardship. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I dispute a collection account reported by ProCollect Inc. for {$8200.00} related to XXXX XXXX XXXX. I vacated the unit on XX/XX/XXXX at approximately XXXX PM, returned the keys, paid a reletting fee, and the property retained my {$350.00} security deposit. After I vacated, the unit was re-rented shortly thereafter. However, the account includes {$8200.00} in charges that I dispute as inaccurate, unsupported, and improperly calculated. On XX/XX/XXXX, I sent a written request for debt validation. On XX/XX/XXXX, I received a response that included only a partial tenant ledger and did not provide proper validation. I replied the same day requesting additional documentation, including proof of the re-rent date, the new lease start date, and a full explanation of how the balance was calculated. I have not received this information. Under XXXX XXXX XXXX XXXX, landlords must mitigate damages by making reasonable efforts to re-rent the unit. If the unit was re-rented, charging accelerated rent without proper documentation or adjustment is not valid. Despite my requests, the company continues to attempt to collect an unverified and inaccurate balance without providing sufficient supporting documentation. I request full validation of this debt, including all supporting documentation, or removal of the account from my credit report.

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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I lost my wallet in XXXX XXXXXXXX XXXX. I immediately took action by requesting a replacement XXXX XXXX card and a new driver 's license the same day. On XX/XX/year>, an unauthorized transaction of {$1300.00} was made on my Bank of America debit card. I reported the fraud to Bank of America on XX/XX/year> XXXX day after the transaction occurred. Bank of America initially issued a provisional credit of {$1300.00} while investigating. They then denied my claim twice, citing that I reported the fraud too late. However, I reported the unauthorized transaction within one day, which is well within the timeframe protected under Regulation E of the Electronic Fund Transfer Act. Federal law allows up to 2 business days for limited liability and up to 60 days to report my one-day reporting can not lawfully be used as grounds for denial. Bank of America reversed the provisional credit without proper investigation and ignored supporting evidence that I acted immediately upon losing my wallet. Claim ID 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 monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I Purchased an XXXX XXXX through XXXX that was scheduled to have intallments payments through Affirm. The spa was damaged and I requested a pick up and refund of the purchase. It was picked up through their 3rd party delivery service ( Items were very heavy ). As I was following up with Affirm on several occasions they would not ackknowledge that the merchandised was returned to XXXX. I requested an email confirmation from XXXX that they received the return and that I would not be responsible for paying installments on this damaged/returned merchandise. I did received an email confirmation of the refund and I have attached it below.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint regarding a dispute with Affirm ( lender ) and XXXX XXXX ( merchant ) concerning a purchase made in XX/XX/year>. I purchased a XXXX XXXXXXXX Small Table ( Item # XXXX ) from XXXX XXXX for {$1200.00} via Affirm financing. Within one week of delivery, the table surface sustained scratches from normal household use. When I contacted XXXX XXXX, they declined to offer a remedy and referred me to a third-party furniture restorer at my own expense. I then opened a dispute with Affirm. During that dispute process, XXXX XXXX provided Affirm with care instructions that do not correspond to this product. Specifically : 1. The product is listed on XXXX XXXX 's own website as " Antique brass plated steel '' a delicate plated finish. 2. The care instructions XXXX XXXX submitted to Affirm during my dispute reference unlacquered brass an entirely different material with different properties and care requirements. 3. XXXX XXXX 's website contains no care instructions for this specific table, meaning the instructions they provided to Affirm can not be verified and do not match the product as sold. Providing a financial institution with inaccurate or fabricated product documentation during a consumer dispute is a serious concern. Affirm denied my dispute citing the merchant 's policy, but that policy was supported by materially inaccurate information. I am requesting that the CFPB : - Require Affirm to reopen and reassess my dispute given the merchant 's submission of inaccurate documentation - Investigate whether XXXX XXXX 's conduct during this dispute process constitutes misrepresentation to a financial institution - Note this complaint in any record associated with XXXX XXXX 's merchant relationship with Affirm I have email correspondence from XXXX XXXX confirming their response, as well as a screenshot of the product listing showing the material description and the absence of any care instructions on their website. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
My last complaint in XX/XX/XXXX. I am trying to return a XXXX this company had bought from XXXX back in XXXX. The company will not respond I am filing bankruptcy and my landlord wants the company to come get the car. I have not made a payment since XX/XX/XXXX, they are reporting on my credit report and will not help me resolve this. I have also disputed XXXX over 100 times on my credit report and no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My husbands card was compromised there were 59 transactions in one day my whole paycheck was gone {>= $1,000,000} and the bank did not catch it thats ridicule 's I was never notified please get my money back.

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