vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On about XX/XX/year>, a person contacted me for tutoring and gave me an e-check to deposit in the amount of {$400.00} ( which I had done on XX/XX/year> ) for tutoring services I had advertised of myself on XXXX. Then he had told me to Zelle some money back to a XXXX XXXX ( XXXX ). On XX/XX/year> I had also deposited a check of {$1500.00} and Zelled {$1100.00} back to the same account because of some divorce proceedings ( he had said he was divorced and didn't trust his wife with the money and had asked me to send it to the sons caregiver ) and I am worried this check will bounce and I will lose the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime Member Services notified me : Your account will close on XX/XX/year> A check for your remaining balance will be mailed within 30 days of account closure. My balance is- {$0.00}. The app does not allow me to add money or transfer funds to clear the {$0.00} owed. I contacted customer service on XX/XX/year> and they would not provide a reason and did not provide a way to pay the $ XXXX. I am not requesting confidential monitoring detailsonly closure confirmation, payoff instructions, and assurance that this situation will not cause fees/collections or negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
United Wholsale Mortage ( UWM ) sold my mortage in XX/XX/year> to XXXX XXXX. I was not notified they did transfer my XXXX payment to the new mortage company XXXX XXXX, however did not transer the XXXX payment. 

My Bank XXXX XXXX XXXX XXXX as confirmed they received and processed the payment on XX/XX/XXXX, they claim to have no record. XXXX XXXX only received the XXXX payment and now is threatening debt collection, credit score damage late fees etc. 

I have sent numberous emails, countless hours on the phone with both companies especially XXXX they continue to refund the payment of {$44000.00} My account number with XXXX is XXXX I am have explained I am a XXXX Veteran on a fixed income of VA and SSN and this is causing not only financial hardship but issues with my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: Chime Financial Inc
State: LA

Complaint narrative:
Greetings. Ive been banking with Chime for a few months now and recently had a bad experience. On the day of XX/XX/year> I was at my job site when the amount of {$220.00} was posted to my account. I misplaced my card but didnt think anything of it being I thought it mightve showed up! I couldnt dispute it right away being I had to wait until it was no longer a pending transaction! The case was looked into even after documents were sent over to them from my time card at work stating I was indeed on the clock. Ive asked many times to send me the documents they gathered to make their denial decision 's for it to be credited back but told me I had to wait XXXX business days for it to be sent when documentation shouldve came along with the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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
State: OR

Complaint narrative:
Paypal has closed my account without warning and with no solution or explanation to why they had closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I submitted a claim on XX/XX/year> i went to the atm my deposit didnt deposit it was an amount of XXXX. They credited my account the money and they said the analysis declined my claim if they have cameras in the atm they can clearly i went to the atm and was trying to deposit the money. I just want my money back now they took my money out my account and didnt deposit my money

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX  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
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX. This account is being reported without proper verification and without proof of legal authority to collect. 

I timely disputed this account and requested validation. XXXX XXXX XXXX failed to provide competent evidence that I owe this debt, failed to provide a contract bearing my signature, failed to provide an itemized accounting, and failed to provide proof of assignment from the original creditor. 

Despite this, XXXX continues to report the account to the consumer reporting agencies, which constitutes inaccurate and unverified reporting. 
XXXX XXXX XXXX is violating federal law by : Continuing collection and credit reporting activity without providing validation Reporting inaccurate or unverifiable information Failing to establish legal standing to collect Failing to conduct a reasonable investigation This conduct violates : FDCPA 809 ( b ) ( 15 USC 1692g ) FCRA 611 ( a ) ( 15 USC 1681i ) FCRA 623 ( b ) ( 15 USC 1681s-2 ) FCRA 607 ( b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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
Consumer complaint received 2026-01-01 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:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is engaging in deceptive marketing concerning its " Early Paycheck '' feature. The bank claims that funds are made available as soon as the payer sends the deposit file. I have categorical proof this is not the case. 

I split my paycheck between XXXX and Capital One. My XXXX account is credited FOUR DAYS EARLY every pay period, confirming that the payroll file is sent by my employer and available to the banking system early. Capital One receives the same file yet consistently fails to credit the funds early, often waiting until the actual payday.

This is a " bait and switch '' for consumers who choose Capital One based on their " Early Pay '' marketing. If smaller institutions like XXXX can process these files four days
early, Capital Ones failure to do sowhile advertising it as a benefitis a deceptive practice. I am seeking a regulatory audit of Capital Ones internal ACH hold times for " Early Pay '' accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I included the attachment of everything that I sent the company Harris and Harris and have been ignored as you can see they have contacted me by text message when I asked them not to, also they have not sent me any proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX ending in XXXX Case ID : XXXX I attempted to make a payment approximately around XXXX on XX/XX/year>, at their location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. The cash amount I enter in the ATM was {$2800.00} to pay my credit card. The ATM took longer than usual to count the bills ( all XXXX 's bill ) and when finally finish it gave me the wrong quantity {$2500.00}. So I attempted to get the money back because the ATM counted wrong. Then I got an error message and never got my money back or a receipt. 
Then I went inside the branch to get assistant. The bank employe told me he could not help me and to call the number, then he gave me the ATM unit number XXXX XXXX, and that same employee recommended me to use the other ATM next time because they have been having issues with the ATM that ate my cash. 
I called the same day to CITI bank and made a report. They issue a conditional credit but later on reverse the credit and gave me a {$300.00} conditional credit only. I have requested another investigation but I'm afraid they are not willing to investigate. They have cameras and I'm pretty sure they do audit on their ATM yet they are denying my credit

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 2026-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am submitting this follow-up complaint regarding Capital One Auto Finances furnishing of inaccurate and internally inconsistent credit reporting information. 

In Capital Ones CFPB response dated XX/XX/XXXX, the company asserts that it is reporting my auto loan accurately. However, Capital Ones own documents reveal material inconsistencies between the narrative provided to the CFPB and the actual transaction history for the account. 

Specifically, Capital One states that insurance proceeds of {$14000.00} were applied effective XX/XX/XXXX. Yet, Capital Ones transaction ledger does not reflect any such payment in that amount or on that date. Instead, the ledger reflects a {$13000.00} total loss insurance credit processed on XX/XX/XXXX. 

Capital One also states that GAP proceeds of {$2100.00} were applied effective XX/XX/XXXX, while its transaction history reflects a different processing and posting sequence. These discrepancies demonstrate that Capital Ones regulatory narrative does not align with its own accounting records. 

These inconsistencies are material. Under the Fair Credit Reporting Act, a furnisher must ensure that information provided to consumer reporting agencies is not only technically accurate, but complete, verifiable, and not misleading. Conflicting amounts and dates undermine the reliability of the charge-off classification currently being reported. 

Additionally, Capital One acknowledges that the vehicle was declared a total loss, that the account was fully satisfied through insurance, GAP, and warranty proceeds, that the balance closed at XXXX, and that a Paid in Full letter was issued on XX/XX/XXXX. Reporting the account as Paid in Full, Charge-Off misrepresents the true disposition of the account and inflates the severity of the credit outcome. 

Capital One relies on the assertion that credit reporting agencies determine the wording of tradelines. However, furnishers remain legally responsible for the accuracy and consistency of the data they supply under 15 U.S.C. 1681s-2. 

I am requesting that the CFPB require Capital One Auto Finance to : Reconcile the documented discrepancies between its CFPB response and transaction history Correct the tradeline to accurately reflect Paid in Full Insurance/GAP Settlement after Total Loss, or Remove the charge-off designation if it can not be verified with consistent documentary evidence This complaint is not a request to remove accurate information, but a request for compliance with federal law requiring truthful, complete, and non-misleading credit reporting. * For review of documents please refer to COAF Investigation review reports submitted to CFPB case number XXXX and CFPB File # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been with Citi for aboutXX/XX/XXXX years, never once making a late payment. I recently paid off a XXXX limit card and they immediately reduced my limit to {$680.00}. This is completely predatory from my perspective as they are clearly attempting to negatively affect my credit by forcing my overall utilization up. There is no justification to support this change, I make {$180000.00} a year and have never made a late payment in the entire history of my credit. They reduced it so low I can't even use the card in a meaningful way without negatively impacting my utilization any longer.

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 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I purchased a vehicle on XX/XX/year>, at Byrider/ financed through CNAC XXXX The vehicle began experiencing mechanical issues within XXXX weeks of purchase and was returned to the dealer multiple times for warranty repairs. 

The vehicle was in the dealers possession from XXXX XXXX XXXX, again from XXXX XXXX XXXX and has been continuously in the dealers possession since XX/XX/year>. As of today, I do not have possession or use of the vehicle. 

While loan payments were deferred, I remain financially responsible for the vehicle, and the deferred payments do not resolve loss of use or lack of transportation. I requested updates on repair status, an estimated completion date, documentation of repairs, and temporary transportation or an alternative solution while the vehicle remains unavailable. 

Despite multiple repair attempts and extended loss of use, the vehicle has not been returned, and I have not received a clear resolution. I am requesting assistance to address ongoing billing responsibility and lack of transportation while the vehicle remains in the dealers possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed a medical collection account on my credit report. The credit bureau reported the account as verified. 

I then submitted a written request for the method of verification, asking how the account was verified, the furnisher contacted, and the procedure used. 

Despite proof of delivery, the credit bureau failed to respond and did not provide any method of verification. 

The account continues to be reported without disclosure of how verification was performed, which is particularly concerning given the medical nature of the debt.

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 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Sent numerous certified letters last one recently sent Monday, XX/XX/year> requesting and demanding information on file number XXXX for the amount of {$1100.00} also sent an Cease-and Desist letter to stop an activity of harassment, calls, email and letters which the companies XXXX XXXX XXXX and LVNV Funding LLC refuse to comply with laws in accordance to the FCRA and FDCPA. The certified letters served notices and demand under the fair credit reporting act ( 15U.S.C. 1681 et seq ) and the fair debt collection practices act ( 15 U.S.C. 1692q )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
XX/XX/XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC
State: CO

Complaint narrative:
I have been a of the XXXX credit card for several years and have had a flawless payment record. I was issued the card with no annual fee. For no apparent reason I was suddenly assessed a {$150.00} fee this month. I contacted the bank and they told me that the fee was " legitimate, '' and that I received a letter outlining this fee several months ago. I never received the letter even though my address is correct. This has put a major strain on my finances because I was using this card for a business trip. The bank refused to reverse the charge. I feel that this fee is predatory and takes advantage of otherwise legitimate customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
CREDENCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE 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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief