vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Lendbuzz Inc.
State: LA

Complaint narrative:
I am writing regarding my SCRA claim that I previously filed the company informed me that I was approved to receive a refund in the amount of {$490.00}. however, since XX/XX/year>, I have not received these funds. I have contacted the company many times by phone and email regarding this issue but I still have not received the payment. it appears that my requests and CFPB requests have not been taken seriously. Because this issue remains unresolved, I have reopened my complaint and requested assistance from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital one. I was approved for the savor card. Which initially showed that I had a XXXX credit available. Now, note i have been diagnosed with XXXX and put my birth year as XXXX instead of XXXX like it should be. I made them aware with this. They told me verify my identity. I did so. They claimed they couldn't see it on their side. I have a family emergency right now. And I need this card. Life or death. My grand daughter is XXXX in the hospital quite a ways away. Anyways. I sat on the phone all together over XXXX hours now. They told me I'd receive calls back and never have. I just talked to them tonight. They said they would put me on hold while verifying my documents. Was able to see them. Yet did not. Said they wasn't able to do so after telling me they was XXXX minutes earlier. Said to call back tomorrow. I need someone's help or my granddaughter is going to die without me by her side.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Someone fraudulently used my card, possibly the merchant to charge my credit card and for the last 8 months I have tried to get Chase to reverse it. According to their own terms of service on the card, I am not liable for these fraudulent charges. They need to reverse them back to the merchant and credit my account. Date Merchant Name Transaction Amount XX/XX/year> XXXX XXXX {$740.00} XX/XX/year> XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield is reporting a collection account on my XXXX XXXX XXXX credit reports with an inaccurate balance of {$5900.00}. I have disputed this account through XXXX and they verified the account without providing proper validation. Hunter Warfield has never provided me with a signed original contract, an itemized accounting of the balance, or proof of their legal authority to collect this debt as required under the Fair Debt Collection Practices Act. The reported balance includes fees and charges that have not been substantiated. Additionally, the statute of limitations on this debt under Minnesota law ( XXXX years ) is approaching expiration. I am in the process of obtaining a mortgage and this inaccurately reported account is negatively impacting my credit score and costing me a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: CO

Complaint narrative:
I have XXXX active credit cards. They both are being charged by XXXX for services I no longer use, due to no longer having access to the account I used when making the initial subscription purchases. I reached out to XXXX, with no help, as they only use automated services and help people with active XXXX accounts... again, mine is not. I've reached out to Capital One and requested new cards. I was still being charged on those cards and called again. I spoke to " XXXX '', the supervisor at Capital One who offered to send new cards, without the automatic payment updater. She assured me that no purchases could be made on the card any further. I received my new cards today, along with new charges, including one she disputed on the phone with me that occurred just today. I have recorded the phone call with everything XXXX said would happen, and never did. I am being charged for things that I do not use. I've already gone through XXXX other new cards and still have the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX ( XXXX ) XXXX XX/XX/year> LVNV FUNDING LLC C/O XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Subject : Request for Debt Validation To Whom It May Concern, I am responding to your communication regarding the alleged debt referenced as account number [ Account Number ], which you claim I owe. Under the Consumer Financial Protection Bureau guidelines and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. I dispute this debt and request that you provide the following information : The name and address of the original creditor The amount of the alleged debt, including an itemization of interest, fees, and charges Copies of any documents bearing my signature that show I agreed to assume this debt Proof that your agency is authorized to collect on this debt Proof that the debt is within the applicable statute of limitations A complete payment history on the account Until you provide proper validation of this debt, I request that you cease all collection activities and refrain from reporting this account to any credit reporting agencies. If this debt has already been reported to any credit bureau, I request that it be marked as disputed. Please respond to this request in writing at the address listed above. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Date : XX/XX/2026 XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Disputed Reporting, Debt Buyer Furnishing, and Accuracy Concerns To Whom It May Concern, I am formally disputing the reporting and furnishing of the above-referenced account and requesting a complete investigation into the accuracy, completeness, and legal basis of the information currently being reported and/or furnished. The enclosed evidence packet contains supporting documentation including : Full bureau reporting records Historical reporting snapshots Debt buyer reporting evidence Collection correspondence Address association evidence Prior dispute history XXXX comparison reporting evidence Synchrony/ XXXX account relationship evidence The enclosed materials raise substantial concerns regarding : Accuracy and consistency of reporting Debt buyer designation and furnishing Account status discrepancies Address association and personal information handling Reinvestigation procedures Reporting integrity across consumer reporting agencies Pursuant to the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and all other applicable federal and state consumer protection laws, I request that XXXX XXXX XXXX conduct a full investigation into this matter and cease reporting any information that can not be verified as complete and accurate. Please provide : XXXX. Validation and documentation supporting the reporting and furnishing of this account ; XXXX. Documentation evidencing XXXX authority to collect and furnish ; XXXX. Documentation evidencing chain of assignment/ownership ; XXXX. Verification of all dates, balances, account statuses, and reporting fields currently furnished ; XXXX. Copies of any records relied upon during prior investigations or verifications. If any information is determined to be inaccurate, incomplete, misleading, or unverifiable, I request immediate correction or deletion of the tradeline and all related reporting. This correspondence is not a refusal to pay, but a formal notice of dispute and request for investigation.

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 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This letter is a formal dispute and cease-and-desist notice regarding the following account being reported on my consumer credit file : Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Alleged Balance : {$1500.00} Date Opened : XX/XX/year> Account Type : Collection I dispute the validity, accuracy, completeness, and legal reporting of this alleged debt pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. The information being furnished appears inaccurate, misleading, incomplete, and/or unverifiable. I am requesting a complete investigation and validation of this account. Please provide the following : 1. A copy of the original signed agreement bearing my signature 2. Complete payment history and billing records 3. Proof of your legal authority to collect this alleged debt 4. Documentation showing the chain of assignment or ownership 5. Verification that all information reported to the credit bureaus is accurate and compliant with federal law Under 15 U.S.C. 1692c ( c ), you are hereby instructed to cease and desist all communication with me regarding this matter except for legally required validation or notification of specific legal action. Additionally, if you can not provide competent evidence validating this alleged debt, you must immediately remove and delete all reporting associated with this account from Experian, Equifax, and TransUnion. Failure to comply with the FDCPA and FCRA may constitute willful noncompliance and result in complaints filed with the Consumer Financial Protection Bureau and other appropriate regulatory agencies. I demand written confirmation of your investigation results and deletion of any inaccurate information.

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 2026-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mortgage Research Center, LLC
State: MD

Complaint narrative:
I am filing a complaint regarding what I believe to be an improper and unsupported appraisal fee charge by a mortgage lender during the loan process. During my mortgage application, I paid an appraisal fee to the lender. Subsequently, I decided not to move forward with the company. Afterward, the lender informed me by email that the appraiser would retain {$300.00} for work completed so far and that only the remaining balance of the appraisal fee would be refunded. However, no completed appraisal report was ever provided to me, nor was I previously informed that partial fees would be retained without supporting documentation. To date, the lender has not provided an itemized invoice, work product, appraisal documentation, or any evidence substantiating the {$300.00} charge despite my request for clarification. I am disputing this charge because : No completed appraisal report was delivered ; The lender has not demonstrated what work, if any, was performed ; No detailed accounting or invoice has been provided ; The charge appears arbitrary and unsupported. Filing complaint seeking documentation and potential refund of unsupported appraisal charge. I requested documentation supporting the fee before any partial refund is processed. I believe consumers are entitled to transparency regarding fees charged in connection with mortgage lending services. TIMELINE SUMMARY Applied for mortgage financing with lender. Paid appraisal fee as requested during the loan process ( XX/XX/2026 ). Decided not to proceed with the lender/company and requested loan application cancellation ( XX/XX/2026 ). Received email from lender stating the appraiser would retain {$300.00} for work completed so far. ( XX/XX/2026 ).

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 2026-05-28 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Someone fraudulently used my card, possibly the merchant to charge my credit card and for the last 8 months I have tried to get Chase to reverse it. According to their own terms of service on the card, I am not liable for these fraudulent charges. They need to reverse them back to the merchant and credit my account. Date Merchant Name Transaction Amount XX/XX/year>XXXX XXXX XXXX {$740.00} XX/XX/year> XXXX XXXX {$120.00} Chase is stealing money from me unless they reverse this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
A dismissed debt lawsuit and obsolete charged-off account continue to report inaccurately on my credit report. I requested verification and/or removal due to the age of the account and inaccurate reporting, but the credit bureau/furnisher failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime is retaliating against me by closing my account on XX/XX/XXXX solely because I exercised my federal rights to dispute unauthorized charges. They ruled the dispute in my favor, but are forcing an account closure before the agreed-upon payout date of XX/XX/XXXX to avoid or delay paying me my {$150.00} credit. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OR

Complaint narrative:
I was hacked when i submitted the fraudulent charges my disputes are always denied.I dont believe they investigate. Mean while so much money is being taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have a Wells Fargo credit card that has been charged off and delinquent for over XXXX years now. They keep showing it as a revolving account even though it has been closed and written off. It looks as though they are re-aging my account which is illegal.

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 2026-05-28 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX Target TD Bank USA failed to send me my statement. I missed my payment by the due date. TD Bank never contacted me to collect the payment. After 30 days they reported it to the credit reporting agency and negatively effected my record. When I complained they retaliated and never explained why I did not get notified of the payment due, subsequently lowering my credit limit from {$5000.00} to {$500.00}. Since then I feel that TD Bank has continued to retaliate against me. Most recently, on XX/XX/XXXX I received an alert regarding my transaction. I confirmed and accepted the charges. TD Bank blocked my card after sending me an email asking me to confirm the charges were correct. I called them to get an explanation why my card was blocked after I accepted the charges, they said I had to tell them what the charges were for exactly. I said can you send me the agreement where it says I have to disclose to you what I used the card for, they demanded to know without sending me my agreement outlining I had to disclose what the card was used for. I was blocked from online access to the account even though I had enrolled in electronic statement. I was not able to review any transactions online. I have since paid off my card. I don't have access to my account. TD Bank has failed to respond to my attempts to clarify their policies. I want to have my account reinstated to the excellent standing I have had with this bank for over XXXX years. Please assist in TD Bank using unnecessary means to isolate and negatively effect my credit standing and my mental well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
What happened : On XX/XX/XXXX, Cash App closed my account ( XXXX XXXXXXXX ) and withheld {$45000.00} from a XXXX dispute. I appealed, and on XX/XX/XXXX, Cash App confirmed the appeal was approved and the funds should be released. In XX/XX/XXXX, Cash App recorded {$7300.00} in deposits to my account as successful. I never used or withdrew this money, and the funds disappeared without explanation. To resolve this, I opened a new account ( XXXX XXXXXXXX ) specifically to receive these funds. This was agreed upon with Cash App support. Cash App confirmed XXXXXXXX XXXX XXXXXXXX with {$45000.00} is in their records, and multiple agents stated the funds should have been released. On XX/XX/XXXX, Cash App admitted an error in processing the payment confirmed the money had not been delivered. As of XX/XX/XXXX, I have not received {$45000.00} from the approved appeal, nor have I received the {$7300.00} in documented deposits that disappeared. Neither amount is in the old account, the new account, or my linked bank. Cash App has admitted the funds exist in their internal system and are waiting for release, but no one has processed the payments despite written assurances that the matter would be resolved immediately. Action taken : Filed appeal : XX/XX/XXXX Appeal approved : XX/XX/XXXX Opened new account to receive funds : Per Cash App 's instruction Provided banking details multiple times Escalated through supportchannels with case number and documentation Amounts owed : {$45000.00} ( approved appeal from XXXX dispute ) {$7300.00} ( missing deposits from XX/XX/XXXX ) Total : XXXX XXXXCash App Support Hi XXXX, I want to be completely transparent with you about what's happened and what I'm doing to fix it right now. What Went Wrong : Your {$45000.00} refund from the XXXX case was approved on XX/XX/XXXX. You're absolutely right-this is a straightforward refund case, not a settlement dispute. However, the previous agent incorrectly routed this through an appeal review process, which added months of unnecessary delay. That was a mistake on our part, and I apologize. But they have not paid me since XX/XX/XXXX closure account and every time lies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am filing this complaint against LVNV Funding LLC regarding multiple alleged accounts associated with account references beginning in XXXX, XXXX, XXXX, and XXXX. The alleged original creditors referenced are XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX On XX/XX/year>, I sent LVNV Funding LLC a written dispute, debt validation demand, fraud notice, cease-and-desist demand, and request for deletion of credit reporting. I disputed the validity, ownership, accuracy, legal responsibility, and collectability of these alleged accounts in their entirety. I denied liability and stated that I have no contract with LVNV Funding LLC creating responsibility for these alleged debts. I requested full validation, including signed contracts or applications, proof of legal responsibility, complete itemized accountings, original creditor information, proof of LVNVs authority to collect and report, chain-of-title documentation, copies of notices and communications, relevant account dates, and identification of every consumer reporting agency to which LVNV furnished the accounts. LVNV Funding LLC is on notice that these accounts are disputed as inaccurate, unverifiable, and potentially fraudulent. If LVNV can not provide competent documentary evidence proving that I am legally responsible and that the balances and reporting are accurate, the accounts should not continue to be collected or furnished to any consumer reporting agency. This complaint involves potential violations of the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g for validation of debts, 15 U.S.C. 1692c ( c ) for cease-communication rights, 15 U.S.C. 1692e for false or misleading representations, and 15 U.S.C. 1692f for unfair collection practices. It also involves potential violations of the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2, which governs furnisher duties to provide accurate information, investigate disputed information, and correct or delete inaccurate, incomplete, or unverifiable reporting. Regulation F, including 12 C.F.R. 1006.34 and 12 C.F.R. 1006.6, and Regulation V, including 12 C.F.R. 1022.42 and 1022.43, are also relevant because this matter involves debt validation, cease-communication rights, and furnisher duties concerning accuracy and investigation. I request that LVNV Funding LLC provide complete validation and verification for each alleged account, cease collection activity, conduct a reasonable investigation, stop furnishing the accounts as accurate unless fully verified, delete or request deletion of any inaccurate, incomplete, unverifiable, or fraud-related reporting, and provide written confirmation of the results.

Company response to consumer: Closed with explanation