vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 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: VA

Complaint narrative:
On XX/XX/year>, my Capital One credit card was charged for an engagement ring purchased from XXXX XXXX. 

The ring appeared fine at delivery. On XX/XX/year>, during normal wear, the band bent and the setting shifted, compromising stone security. This was not accidental damage. An independent jeweler later confirmed in writing that the rings XXXX band is below commonly accepted structural minimums for a stone of this size and is prone to bending. 

We promptly contacted the merchant after the damage occurred and requested a remedy. The merchant denied a policy exception in XX/XX/year> and again in XX/XX/year>, offering only partial metal credit toward a new purchase or repair under a third-party warranty that does not address the underlying structural defect. 

We filed a dispute with Capital One after the merchant refused to provide an appropriate resolution. Capital One denied the dispute solely because it was submitted more than 60 days after the charge posted. 

This is not a billing error dispute. It is a defective merchandise claim involving a latent structural defect that could not reasonably have been discovered within 60 days of the transaction date. The defect manifested more than 100 days after the charge posted. 

Capital One refused to investigate the quality claim on its merits and declined to review the defect evidence provided. 

We are requesting that Capital One reopen and investigate this dispute as a defective merchandise claim and provide a written explanation of its investigation and determination. 

Supporting documentation includes : Attachment 1 : Independent jewelers written assessment Attachment 2 : My written request to Brilliant Earth requesting an exception Attachment 3 : Brilliant Earths formal denial Attachment 5 : Detailed timeline summary of events Attachment 6 : Complaint previously submitted to the Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — Store credit 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: IL

Complaint narrative:
Order Date : XX/XX/year> Order Details : XXXX pairs of custom blinds Total Amount : {$1600.00} Initial Delivery Date : XX/XX/year> Actual Delivery Date : XX/XX/year> Issue Description The delivery was late, arriving on XX/XX/XXXX instead of XX/XX/XXXX. 
The blinds received were incorrect : o The control arm was supposed to be on the left, but the blinds had the control arm in the center.

o Two blades were missing.

o Hardware was missing.

o One head rail was damaged. 
XXXX XXXX XXXX XXXX to report the incorrect delivery. 
XXXX stated she would call back but did not. 
Follow-up calls were made on XX/XX/XXXX and XX/XX/XXXX with no resolution. 
________________________________________ This report summarizes the order, delivery issues, and communication attempts regarding the incorrect blinds received.

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 2026-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Opened account XX/XX/XXXX. Did not receive a card or a bill. I forgot I opened the account. XX/XX/XXXX I received a text that I was 2 months overdue paying my bill ( {$28.00} ). I called the number and spoke to a female named XXXX making arrangements to pay the bill in cash at the store the following day. XXXX removed the late fees after I explained I did not receive a card or bill. I paid the bill approximately XXXX XXXX  on XXXX. The late fees were removed from the account and I called the company to close my account and have the late payment removed from my credit report. I was told by a male named XXXX that I must go through the credit bureau, so I am making my request to you. 
Please remove this ding of late payment from my credit report. I would have been reminded that I had a bill had I received a card or a bill and I would have paid it. 
Thank you for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I attempted to set up autopay while I was on a flight on XX/XX/XXXX and believed the setup was successful. I recall receiving what I thought was a confirmation. However, it appears the autopay did not go through. When I checked my account on XX/XX/XXXX, I saw that the statement was marked past due. I immediately paid the full statement balance as soon as I became aware of the issue. 

Given that this appears to have been an unintentional oversight related to the autopay setup, and considering my history as a loyal cardmember, I respectfully request that the late fee and any associated interest charges be reversed, and that no additional interest be applied. 

I have been a longtime Amex member, and this is my primary credit card. I truly value the relationship and the service Amex is known for. I hope we can resolve this in a way that reflects that history and allows me to continue using the card with confidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Coradius International LLC
State: CA

Complaint narrative:
I am submitting this new complaint ( referencing old complaint CFPB XXXX ) because I have recently discovered physical evidence ( Exhibits A, B, and C ) proving that American Coradius International ( ACI ) engaged in a multi-year pattern of harassment and FDCPA violations that I was not fully aware of when I filed my initial complaint on XX/XX/XXXX. 

Pattern of Harassment and Dispute Negligence : XX/XX/XXXX ( Exhibit A - XXXX ) : ACI sent a collection notice for a {$1400.00} balance. I called ACI immediately to dispute this as identity theft. The representative told me the matter was " cleared. '' XX/XX/XXXX ( Exhibit B - XXXX ) : Over a year later, ACI sent a new notice for {$310.00}. This proves that despite my XXXX dispute, ACI failed to flag my identity as a fraud victim and instead treated each of the XXXX fraudulent XXXX loans as separate, active collection events. 

XX/XX/XXXX ( Exhibit C - XXXX ) : Just XXXX weeks after my second dispute in XXXX, ACI sent yet another notice for {$370.00}. This demonstrates that XXXX  internal systems were not recording my disputes, leading to repetitive and harassing mailings. 

The Damages Event : This pattern culminated in the event on XX/XX/XXXX ( Exhibit D - XXXX ), where ACI mailed XXXX separate collection letters in a single day. 

Why this is a violation : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d, XXXX  collectors are prohibited from engaging in conduct that harasses or oppresses a consumer, including the " natural consequence '' of repeated written communications. XXXX  failure to synchronize my fraud disputes across the XXXX accounts resulted in XXXX  months of unnecessary stress and a massive volume of harassing mail. 

Exhibit List : Exhibit A : XXXX ( XX/XX/XXXX Notice ) Exhibit B : XXXX ( XX/XX/XXXX Notice ) Exhibit C : XXXX ( XX/XX/XXXX Notice ) Exhibit D : XXXX ( Sample of the XXXX letters from XX/XX/XXXX ( I can provide all if needed ) Exhibit XXXX : XXXX ( My FTC Identity Theft Report ) Exhibit F : ACI XXXX XXXX CFPB Response.pdf ( The XX/XX/XXXX response from ACI )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: TX

Complaint narrative:
On XX/XX/year>, I attempted to send {$300.00} ( funded by my tax refund ) to a verified contact, XXXX XXXX XXXX. Due to a naming error in the interface, the funds were misdirected to an old coworker, XXXX XXXX. 
I contacted Cash App support within 5 minutes of the error to report it. Despite my immediate action and providing proof of the intended recipient 's verified identity, Cash App refused a manual reversal. Furthermore, the transaction receipt ( # XXXX ) explicitly displayed a 'Refund failed ' status, indicating a technical failure that support refused to address. 
I have reached out to the recipient multiple times ; they have read my requests but are intentionally withholding my funds. Cash App support ( Case # XXXX ) acknowledged my promptness but closed the complaint without resolution. I am seeking a full reversal of these misdirected funds under federal consumer protection standards. 

I have provided evidence ( read receipts ) showing that the unintended recipient, XXXX XXXX, acknowledged my request for a refund at XXXXXXXX XXXX and XXXXXXXX XXXX on the same day. His continued refusal to return these misdirected funds, despite being notified within minutes of the error, constitutes a clear case of bad faith and unjust enrichment that Cash App has failed to address

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX ] [ XX/XX/XXXX ] [ CONSUMER ADJ CO ] [ XXXX XXXXXXXX XXXX ] [ XXXX, XXXX ] Subject : Formal Dispute of Unauthorized Credit Inquiries and Demand for Removal To Whom It May Concern, I am writing to formally dispute unauthorized credit inquiries listed on my consumer credit report maintained by your agency. Specifically, the following inquiry was made without my knowledge, authorization, or written consent : [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ ACCOUNT XXXX ] I did not authorize this inquiry, nor did I provide written or otherwise permissible consent for my credit report to be accessed by the above-referenced party. 

Please be advised that under 15 USC 1681b ( 2 ), a consumer reporting agency may furnish a credit report only when there is a permissible purpose authorized by the consumer or otherwise permitted by law. Any party obtaining my credit report without such permissible purpose may also be in violation of 15 USC 1681q, which prohibits obtaining consumer information under false pretenses.

Additionally, under 15 USC 1681c-2, I am exercising my legal right to have any unauthorized or fraudulent information blocked and removed from my credit file. This includes any credit inquiries that can not be verified with documented permissible purpose and my written authorization.

Therefore, I demand that you : 1. Conduct a reasonable investigation into the unauthorized inquiry listed above.

2. Provide documented proof of permissible purpose and written authorization for the inquiry. 
XXXX. Immediately remove and block any inquiry that can not be verified as authorized. 
XXXX. Send me written confirmation of the removal and an updated copy of my credit report reflecting these corrections. 

My identifying information is as follows : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX ] Address : [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ] Last XXXX Digits of XXXX : [ XXXX ] If you are unable to provide verifiable proof of permissible purpose, you are required under federal law to remove the unauthorized inquiry. Failure to comply with the Fair Credit Reporting Act may result in further action to enforce my rights.

This letter serves as formal notice and request for compliance. I reserve all rights afforded to me under federal and state law. 

Please respond to this matter within the timeframe required by law. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: PENNYMAC LOAN SERVICES, LLC.
State: OK

Complaint narrative:
We disclosed from the beginning that we had an existing FHA loan. The lender reviewed the distance between the two properties and advised that it met relocation requirements. Based on that guidance and the written pre-approval, we proceeded with application fees, appraisal, termite inspection, and other purchase-related expenses.

We were actively moving toward closing, including receiving detailed information from the lender regarding our required down payment and final funds needed to close. The seller completed repairs to the home in preparation for our purchase. In reliance on the lenders approval, we also began arranging our housing transition and provided notice to our apartment complex.

Approximately eleven days before closing, we were verbally informed that the loan could not proceed due to FHA eligibility related to the existing loan an issue that had been disclosed from the beginning. At that time, no written denial had been provided, and no responsibility was acknowledged for the late-stage reversal. We did not receive an apology for the disruption this caused. 
This sudden change resulted in financial loss, housing instability, and emotional stress for our family, including our children who were preparing to relocate. 
We encourage future borrowers to obtain clear written confirmation of FHA eligibility at the earliest stage of the process. Based on our experience, preliminary approval does not necessarily mean final eligibility has been properly verified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this statement to report that I have been a victim of identity theft and fraudulent activity on my credit profile. Unauthorized accounts, inquiries, and negative items have appeared on my credit report without my knowledge, permission, or consent. These accounts do not belong to me, and I did not initiate, apply for, or authorize any of the transactions associated with them. The misuse of my personal information has caused financial harm, credit damage, and significant distress. I am requesting that all fraudulent accounts, inquiries, and related negative information be fully investigated, removed, and blocked from my credit file in accordance with the FCRA and all applicable consumer protection laws.

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 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
I hold an account with Skrill USA , Inc., a registered Money Services Business ( MSB ). I am filing this complaint regarding Skrill 's failure to maintain adequate compliance controls under the Unlawful Internet Gambling Enforcement Act of XXXX ( UIGEA ) and their facilitation of illegal transactions under California state law. 
Specifically, Skrill processed multiple " Sent Money '' transfers from my account to an unlicensed online gambling merchant ( XXXX XXXX XXXX XXXX XXXX ). Under California Penal Code 337j and 337o, this merchant 's operations are strictly prohibited in the state of California, rendering any contracts or transactions with them void ab initio under California Civil Code XXXX 
The UIGEA mandates that payment systems and money transmitters identify and block restricted transactions related to unlawful internet gambling. Skrill failed to block these illegal transfers. When I formally disputed these transactions and provided evidence of the merchant 's illegal status, Skrill 's Help Team ( Ticket # XXXX ) dismissed the claim, stating that because the transactions were " Sent Money wire operations, '' they could not be disputed under XXXX XXXXules. 
XXXXkrill is hiding behind XXXX network rules to evade their own federal compliance failures under the UIGEA. As a federally registered MSB, Skrill has an independent legal obligation to ensure its platform is not used to fund unlawful internet gambling operations, regardless of XXXX 's internal chargeback policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
I am formally disputing a collection account that has appeared on my credit report which I do not recognize and do not owe. It is extremely distressing to discover an unverified debt that is simply not mine. Since its appearance, I have received repeated collection attempts through multiple communication channels, some of which have felt harassing and intimidating, including threats of legal action. As a law-abiding consumer, it is deeply insulting and frustrating to have my rights disregarded in this manner. This situation has caused significant emotional distress, sleepless nights, and damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I submitted a return response regarding a collection letter I received in the mail requesting the original creditor and over a month now no response. This credit I called my phone threating to damage my credit if I didnt make a payment to them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
Company : Chime Financial , Inc. 
Account Ending In : XXXX Claim IDs : XXXX # XXXX # XXXX Disputed Amount : {$80.00}, {$90.00}, {$21.00}, {$65.00} To Whom It May Concern, I am submitting this complaint regarding Chimes denial of my unauthorized electronic fund transfer claim. 

On XX/XX/year>, I reported an unauthorized Pay Friends transfer in the amount of {$80.00} from my account. At the time of the transaction, my phone had been stolen and was no longer in my possession. I did not authorize this transfer, nor did I provide anyone with permission to access my account. 

Chime conducted an investigation and issued a final determination stating that no error occurred, but did not provide sufficient explanation or evidence demonstrating that the transaction was authorized. 

Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 C.F.R. 1005 ), an unauthorized electronic fund transfer is defined as one initiated by a person other than the consumer without actual authority and from which the consumer receives no benefit. I provided timely notice of this unauthorized transaction. 

Chime has not provided : * Evidence demonstrating that I authorized the transaction. 
* Authentication logs, IP records, device verification data, or proof of biometric/passcode validation. 
* Documentation sufficient to support its conclusion. 

The absence of a police report should not negate my claim, as local law enforcement in my city does not respond to or generate reports solely for stolen phones. This does not constitute authorization. 

I am requesting that the CFPB review Chimes handling of this matter and require them to : 1. Provide all documentation relied upon in denying my claim.

2. Reconsider the denial consistent with Regulation E protections.

3. Credit the unauthorized {$80.00}, {$90.00}, {$65.00} ans {$21.00} transfer to my account.

I believe Chime has failed to properly apply Regulation E standards in determining that no error occurred.

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: DC

Complaint narrative:
Dear SUNRISE CREDIT SERVICE, I am writing in response to your recent communication dated XX/XX/25, in which you claim that I owe a debt. I am requesting validation of this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 1. Request for Debt Validation Under the FDCPA, I have the right to request verification of the debt you claim I owe. Please provide the following : The name of the original creditor. The amount of the debt, including a detailed breakdown of principal, interest, fees, and any other charges. A copy of the original contract or agreement that gives rise to this debt. Proof that you are authorized to collect debts in my state. Verification or a copy of any judgment against me, if applicable. 2. FCRA Violations If you have reported this debt to any credit reporting agency, I am disputing the accuracy of this information. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : You must not furnish information to any consumer reporting agency if you know or have reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681s-2 ( a ) ( 2 ) : If you receive a notice of dispute from a consumer reporting agency, you must investigate the dispute and report the results to the agency. 15 U.S.C. 1681s-2 ( b ) : If you receive notice of a dispute directly from me, you must conduct a reasonable investigation and report the results to the credit reporting agency.

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