vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint against Capital One regarding a joint checking account that has been " Permanently Restricted '' with a negative balance of approximately $ XXXX for over 9 years. I was the secondary holder on this account. I have confirmed that this negative balance is not a result of a legal levy or garnishment. Most importantly, I did not authorize the transactions or activity that led to this negative balance, and I have not had any access to or benefit from this account in nearly a decade. This XXXX record is now unfairly preventing me from opening my own individual primary account. I am trying to establish a new banking relationship to build a strong financial foundation for myself, but this stale record is being used as a barrier. Under the Fair Credit Reporting Act ( FCRA ), negative financial information is generally required to be removed after 7 years. Maintaining an unauthorized negative balance on my profile for 9 years is inaccurate and creates an undue hardship. I have XXXX active credit card accounts with Capital One ( XXXX and XXXX ) in good standing, which proves my personal creditworthiness. I am requesting that the bank investigate this ancient error and remove my name from this defunct joint record so that I can bank independently as a primary account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding Bank XXXX Americas handling of a credit card billing dispute involving a {$480.00} charge from XXXX for a hotel reservation ( XXXX XXXX XXXX, XX/XX/year> ). The Bank of America dispute reference number is XXXX. On XXXX XXXX, 2026, my flight to XXXX, XXXX ( XXXX ) was unable to land due to severe weather and returned to XXXX XXXX. Airport staff confirmed that flights to XXXX were fully booked for the remainder of the day and the following day, making it impossible to reach the destination during the hotel reservation dates. Because I could not reach the destination, the prepaid hotel reservation could not be used. The property later confirmed in writing that they approved a cancellation due to the travel disruption and instructed me to work through the booking platform ( XXXX ) to process the waiver. XXXX refused to process the cancellation. I disputed the charge with Bank of America under claim number XXXX. During the dispute investigation, Bank of America did not contact me to request documentation or clarification. Because there was no clear way to upload evidence through the dispute portal, I went to a Bank of America branch and faxed supporting documentation, including emails from the hotel approving cancellation and evidence of the flight disruption. I received no confirmation that these materials were reviewed. The denial letter I received appears to rely solely on the merchants non-refundable policy and does not address the documentation I submitted or the hotels written cancellation approval. Additionally, the merchants response introduced an undisclosed third-party supplier that allegedly controlled refund decisions, even though the booking confirmation stated that cancellation terms were governed by hotel policy. This inconsistency also does not appear to have been evaluated in the dispute decision. I am requesting that Bank of America reopen the dispute and conduct a complete review of the documentation related to the travel disruption and the hotels cancellation approval.

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 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target illegally opened a debt collections. I have requested Target to provide proof of debt by providing me with original contract with wet signature of debt account, along with valid account statements, proof of purchase, proof of accurate reporting statements. Additionally, I have requested proof of account ownership, by providing original purchase agreement/contract with wet signature. Target has failed to provide legally required proof of debt contract and validation that I am the owner of this debt. Target has been illegally and inaccurately reporting revolving debt collection balance of {$380.00} to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: DISCOVER BANK
State: AZ

Complaint narrative:
I believe due to my XXXX Discover card is discriminating against me. I reported Fraud and dispute charges and I was transferred to the dispute so they can open the dispute portion. On a recorded line by one of discovers agent lied to me and assured me that my dispute is open. However when I logged in to my account to provide documentation I did not see any open disputes on my behalf. XXXX from Discover was in charged of my fraud case and she also assured me that she will spread the dispute from the fraud charges but she never did and closed my case. I did not even get any temporary credit or got a chance to upload my supported documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: FL

Complaint narrative:
I am disputing the balance reported by National Credit Systems. The amount being reported is {$11000.00}, which is inaccurate. The original apartment complex provided written documentation showing the balance was {$6600.00}. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to ensure maximum possible accuracy of the information reported. Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information may not report information they know to be inaccurate. Because the balance being reported is inconsistent with the original creditors documentation, I am demanding that this account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: Block, Inc.
State: IN

Complaint narrative:
I have called cash app XXXX times my old account is no longer available it is locked so they told me to make a new account to have my {$16.00} and my {$55.00} transfered to the new account. I did that and now they say they money cant be transfered. That is my money and I need it in my account soni can transfer it all together and be done with cash app. Too many problems with them. Horrible horrible. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
I took out a parent plus loan in XXXX to assist my only child with college expenses. At that time, I was single parent, at one point I asked for forbearance due to layoffs, I did not receive further communications about the loan afterward. In XX/XX/year>, I received a notice stating that the loan was in default & that the full balance of nearly {$16000.00} was due. This was the first notification I had received regarding the loan in many years, which came as a surprise after such a long period without correspondence. After receiving the notice, I wrote letter, to the Default Resolution Group explaining that I had not received communication about the loans for a long period of time & asking for assistance in resolving the situation. I sent this letter by certified mail. The response I received was a 3-page letter stating that I am fully responsible for the loans & that I must pay the balance in full within 15 days or complete and income & expense form & submit my tax form XXXX order to request loan rehabilitation. I am not disputing the loan I want to resolve the default responsibly through rehab program. However, I am requesting that the servicing history & long period without communication be reviewed & reasonable & affordable rehab payment be reached. I am approaching retirement in 20 months and will be even more limited on income. A great deal has happened in my life in all these years, divorce, abuse, bankruptcy. I have only moved once in all these years but same town.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have no knowledge of this debt and have never received any prior communication or validation notice from this collection agency. This account does not belong to me. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : XXXX. Full validation of this alleged debt, including the original creditors name and address. XXXX. A copy of any signed agreement or contract bearing my signature. XXXX. A complete payment history and itemized accounting of the alleged balance. XXXX. Proof that the collection agency is legally authorized to collect this debt. If proper validation can not be provided, I am requesting immediate deletion of this account from all credit reporting agencies. This inaccurate reporting is negatively impacting my credit profile and financial standing. I respectfully request that this matter be investigated and resolved promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been waiting for my TD Bank debit card for over XXXX months due to multiple failed delivery attempts from the bank. During this time, I repeatedly contacted the bank to resolve the issue. On XX/XX/XXXX, I finally received the physical card after these delays. Prior to receiving it, I had already incurred XXXX late fees on my rent because I was unable to use my card or withdraw cash from my account. On XX/XX/XXXX, I attempted to pay my rent using the newly received debit card, but the bank immediately blocked the card. As a result, I was once again unable to access my funds and could not complete my rent payment. This situation has now caused me to incur an additional {$200.00} late fee for the third time. I have now spent more than XXXX hours trying to contact TD Bank to have my card reactivated, but I have not been able to resolve the issue. This ongoing situation has repeatedly prevented me from accessing my own funds and has caused significant financial harm. I am requesting that TD Bank immediately unblock my card and reimburse the late fees that resulted from their failure to provide access to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Paypal credit- impossible to get help- redirected to no avail and agent is unable to comprehend my problem. I have found several charges I made on my card that have come out of my bank account causing me to have an overdraft. The charges seem to still be on my paypal balance. I just want an explanation but there has been no help. I called XXXX numbers and the agents ( who all sound the same ) and whom I can't understand- aren't able to solve my problem. I asked for a XXXX but the agent put me on hold and just came back- no help. XXXX XXXX {$3.00} charged to paypal and taken from bank XX/XX/XXXX $ XXXX same- XX/XX/XXXX {$21.00} XX/XX/XXXX - $ XXXX same ( trans XXXX ) XXXX XXXX XXXX agent did refund this to bank account on XX/XX/XXXX XX/XX/XXXX - $ XXXXStudents for life charged but taken out of bank and seems still in credit charges XXXX XXXX $ XXXX XX/XX/XXXX $ XXXX XXXX No one can explain why when I use my Paypal credit card - the payment comes out of my bank yet still seems to XXXX in my card balance Also- paypal shows last XXXX digits on card differently than what they actually are

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 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: AZ

Complaint narrative:
To Whom It May Concern, I recently disputed a collection account being reported on my credit report by Synergetic Communications regarding a balance of {$820.00} related to XXXX XXXXXXXX XXXX My dispute included documentation showing that my renters insurance carrier, XXXX XXXX XXXX, issued a payment of {$500.00} directly to the apartment complex on XX/XX/year>. Despite providing this documentation, my dispute was denied and the account continues to report the full {$820.00} balance. Under my rights pursuant to the Fair Credit Reporting Act, I am requesting the method of verification used to confirm the accuracy of this account. Specifically, please provide : XXXX. The name, address, and telephone number of the entity that verified the account. XXXX. The method used to verify the balance being reported. XXXX. Documentation confirming that the {$500.00} insurance payment was applied prior to verifying the balance of {$820.00}. XXXX. A copy of any documentation relied upon to verify the accuracy of the reported balance. Because documentation of the insurance payment was provided, I am requesting confirmation that the reported balance was verified after accounting for this payment. If the balance can not be verified as accurate after applying the {$500.00} insurance payment, I request that this collection account be corrected or removed from my credit report. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX at about XXXX I received a notification via text from Cash App that someone with an android phone in Florida logged into my account. They asked if this was me and when I went to verify that it wasnt me, all of my money has been moved out of my account in the amount on XXXX dollars. I just got paid and I have a special needs child in the household. And he has specific dietary needed that I am unable to fulfill from this happening to me I am a single mother and I work hard for my paycheck. I really need help on recovering these funds because I dont know anyone who lives in Florida XXXX I live in Ohio and havent traveled in over a year. I was at work when this happened. This wasnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
LVNV Funding is reporting a collection account on my credit reports that I dispute as inaccurate and unverifiable. I previously disputed the account and requested documentation verifying the debt, including the original contract, payment history, and proof that LVNV Funding has the legal right to collect and report the account. The requested documentation has not been provided. Under the Fair Credit Reporting Act, furnishers must conduct a reasonable investigation and ensure the accuracy of information reported to consumer reporting agencies. If the account can not be verified with competent documentation, the tradeline should be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Settled accounts were sold to debt buyers and reported as active debts. Paidinfull accounts were transferred to collectors. Chargeoffs continue to be reported after settlement. A creditor closed my account after an overpayment and falsely reported suspicious activity. Debt collectors attempted to collect on accounts with {$0.00} balances. Credit bureaus failed to correct or delete inaccurate information. Some furnishers refused to provide validation under FDCPA 809. Several entities failed to conduct a lawful reinvestigation under FCRA 611. My PII was compromised in two data breaches ( XXXX XX/XX/year> and XXXX XX/XX/year> ), increasing the risk of mixedfile errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Improper Overdraft Fees, Misrepresentation by Supervisor, PostingOrder Fee Stacking, and Refusal to Provide Documentation Bank : JPMorgan Chase Bank, N.A. Amount in dispute : {$440.00} XXXX involved : XXXX ( Chase phone support ) -- - What happened I am filing this complaint regarding {$440.00} in overdraft fees that were assessed on my Chase checking account. These fees were caused by postingorder timing, not by insufficient funds or intentional misuse. At the time these fees began stacking, my account had a balance of over {$4000.00}. The fees themselves rapidly depleted the balance not my transactions. This indicates a postingorder issue, where transactions were reordered or delayed in a way that triggered multiple fees unnecessarily. -- - Postingorder and feestacking concerns The overdraft fees were not the result of my account being genuinely overdrawn. Instead : - My account had more than {$4000.00} available. - Small transactions were posted in a sequence that triggered multiple overdraft fees. - The fees themselves drained the account, creating a cycle where each fee caused the next one. - This pattern is consistent with postingorder manipulation or delayed posting that does not reflect realtime balances. I repeatedly asked XXXX to explain the posting order, ledger balance, and timing of each transaction, but they refused to provide this information. -- - Misrepresentation by XXXX XXXX When I called Chase for a courtesy review, I was transferred to a supervisor named XXXX, who made the following false statement : - No one at Chase has the ability to refund overdraft fees. This is factually incorrect. Chase supervisors routinely issue courtesy refunds and discretionary adjustments, and Chase publicly advertises its Overdraft Assist program. His statement prevented me from receiving a fair review. -- - Refusal to escalate or provide documentation When I requested escalation to a department with the authority to review the fees, XXXX refused. When I requested a written breakdown of the fees including posting order, ledger balance at the time of each transaction, and the specific trigger for each fee he also refused to provide it. This documentation is necessary to understand how the {$440.00} in fees were assessed, especially given that my account had over {$4000.00} at the time. -- - Why I am filing this complaint I am filing this complaint because : - I was denied a fair and accurate review of the overdraft fees- I was given false information about Chases ability to issue refunds - I was refused escalation - I was refused required documentation - My account had sufficient funds, and the fees were caused by postingorder mechanics, not actual overdrafts - The fees themselves depleted my balance, creating a cascading effect This conduct is inconsistent with Chases published policies and standard banking practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
am submitting this complaint regarding an account * * Capital One * * is reporting on my credit report The account currently shows a balance of {$470.00}, is listed as open and derogatory, and has been reported as a * * charge-off * *. I dispute the validity and accuracy of this reporting. The account is being reported in a misleading and damaging manner. I have either * * never received proper verification of this debt * *, or the * * balance being reported does not match the original creditors records * *. Furthermore, the reporting fails to reflect that this account has been * * paid in full through settlement * *, and the balance should now be {$0.00}. Accurate reporting of this information is required under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) * *. This inaccurate reporting is negatively affecting my ability to access credit and is causing financial hardship, including difficulty providing for my children. I request that * * Capital One * * provide competent, verifiable documentation proving the accuracy of this debt. If they can not verify the account, I request that this account be * * fully removed from my credit report * * or updated to reflect a status of * * Paid in Full or Settled in Full * *, including updating all trade lines associated with this account. Attached are all documents I currently have, including my credit report showing the account and any correspondence I have had with * * Capital One * * regarding this matter. Thank you for your prompt attention to this issue. I expect a thorough investigation and correction of my credit report to ensure all reported information is accurate and verifiable. Sincerely, XXXX XXXX XXXX : XXXX XXXX white mountain pass XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation