vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am submitting this complaint regarding Ally XXXX failure to respond to written correspondence and failure to provide requested documentation relating to my auto loan account. On XX/XX/year>, Ally Financial received my written correspondence via certified mail. Delivery is confirmed through the certified mail return receipt in my possession. In that correspondence, I requested correction of payment application errors and requested documentation necessary to verify the accuracy of my loan balance and disclosures. Specifically, I requested : A complete transactional payment ledger for the life of the account A written explanation of Ally XXXX payment application methodology Confirmation of whether surplus payments are applied to principal Copies of disclosures required at origination of the credit transaction A full accounting of the loan from origination to present A detailed breakdown of the current balance including principal, interest, and fees As of the date of this complaint, Ally Financial has failed to provide a substantive response to my written request. Monthly statements provided by the company do not constitute the transactional accounting requested and do not allow verification of how payments have been applied throughout the life of the loan. Because Ally Financial has not provided the requested records, I am unable to verify : the accuracy of the loan balance being asserted the application of payments between principal, interest, and fees whether surplus payments were applied properly whether the disclosures required under federal law were accurate This lack of response prevents verification of disclosures required under the Truth in Lending Act and its implementing regulations. My concerns relate to potential violations of federal consumer credit disclosure requirements including, but not limited to : XXXX U.S.C. XXXX Required disclosures for consumer credit transactions XXXX U.S.C. XXXX Failure to respond to written billing inquiries XXXX U.S.C. XXXX Penalties for willful noncompliance with disclosure requirements Despite being given written notice and an opportunity to respond, Ally Financial has not produced the requested documentation or provided an explanation for its failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
have been a loyal Capital One credit card customer for many years, maintaining multiple long-standing accounts with a perfect payment history. I have never incurred a single late fee, missed a payment ( not even by XXXX day ), or had any delinquency reported. Recently, I accidentally selected an incorrect linked bank account when making a couple of payments through the Capital One app or website. I corrected the issue right away, and both payments posted successfully and on timeno funds were returned, no payments were late, and Capital One did not charge any fees related to this. Despite this minor and accidental error with no actual harm or risk to Capital One ( since payments cleared properly and my account remained in good standing ), the company abruptly closed my long-standing accounts without prior warning, explanation, or opportunity to resolve the matter. I believe this closure is unfair and disproportionate given : My extensive history of responsible use and on-time payments. The accidental nature of the linked account selection ( a one-time human error ). No resulting late payments, returned payments, insufficient funds, or other negative impact. I request that Capital One : Reconsider and reopen my closed accounts based on my strong payment history. Provide a full written explanation for the closure decision. Confirm in writing that this will not negatively affect my credit report ( or remove any related reporting if it has already occurred ). I have attached [ or can provide upon request ] supporting documents, including recent statements showing on-time payments, no late fees, and account history demonstrating years of good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I've reached out to Fair collections and outsourcing to dispute these unknown charges for {$3400.00} that was opened on XXXX XXXX. The original creditor XXXX XXXX XXXX XXXX information is incorrect. I've never received any information, it just showed up on my credit report. The amount is incorrect. Never received any information on any charges for this amount of {$3400.00}. I've requested for them to send me the wet signature that I have agreed to this debt. And I haven't heard anything back from the company.

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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing this complaint regarding XXXX XXXX refusal to reverse {$760.00} in fraudulent charges on my account. I promptly notified Discover that the charges were unauthorized. I submitted a written dispute to their Billing Inquiries/Fraud Department within the required time frame under the Fair Credit Billing Act. Despite this, Discover denied my fraud claim without providing sufficient explanation or evidence that I authorized these transactions. Discover continues to : Hold me responsible for {$760.00} in fraudulent charges Add interest and late fees on the disputed amount Report the balance as delinquent, negatively impacting my credit score I did not authorize these charges. I reported them in good faith and in a timely manner. Under the Fair Credit Billing Act, I am not liable for unauthorized charges that are properly disputed. I am requesting that Discover : Immediately remove the {$760.00} in fraudulent charges Reverse all related interest and late fees Correct any negative credit reporting related to this disputed amount Provide written documentation explaining the basis for denying my fraud claim Discovers actions are causing financial harm and credit damage despite my compliance with dispute procedures. I respectfully request regulatory review and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX is still blocking me. I can not make purchases online. The bank is treating me like a criminal and when I did nothing 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 2026-03-04 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: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX I sent my rent check by mail. I checked my account and saw that the check cleared. I did not find out until XX/XX/XXXX that the check was stolen and deposited into an account at XXXX XXXX bank. I contacted chase bank. They said they are only responsible up to XXXX months of the incident and refused to investigate and refund my money. I also asked for the information of the person who owns the account my check was cashed in. They also refused that request. I filed a complaint with CFPB. CFPB informed chase bank that they are responsible for investigating this incident up to 12 months, not 6 months. I resubmitted the declaration to chase bank several times. Each time I contacted chase for an update they said they did not file the declaration. In XXXX of XXXX I faxed, mailed and delivered a paper copy of the declaration to chase bank. They reopened the investigation. I gave them until XXXX of this year when I contacted them again. They keep insisting they are only responsible for up to 6 months and refuse to investigate any further. They also refuse to refund my money. CFPB informed chase that they are responsible up to 12 months and must continue to investigate. Chase refuses to do this. This is my second complaint filed because chase refuses to fix their mistake. The check was endorsed by XXXX person. /both signatures are identical. Chase should have picked up on this mistake. Every month my landlord puts a stamp on the back of the check that says for deposit only. Chase should have picked up on this mistake. I have attached a copy of the stolen check as well as the check with my landlords stamp to show proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: IA

Complaint narrative:
On my credit it is showing a charge off and in collections when the account shouldn't be showing that at all considering that I have the same amount and it is open as of now and I don't understand how I pay them for help building my credit but yet the are reporting that I owe them money when I don't owe anything because I pay a monthly fee for them to report that I made a payment on a line of credit that I can't use

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Here is a copy of the certified mail request I made to PNC on XX/XX/XXXX PNC Bank XXXX XXXX XXXX, XXXX, PA XXXX Re : Protest of PNC decision refusing reimbursement of XXXX fraudulent transactions on my debit card, Acct # XXXX To Whom It XXXX Concern, On XX/XX/XXXX, I received a text fraud alert from PNC noting a transaction " XXXX XXXX {$210.00} XXXX * XXXX ''. I immediately tried to contact PNC but was unable to get to a live customer rep to start the dispute process re. the {$210.00}. So I decided it would be better to meet personally with my local bank rep the following week to take care of the issue. Before I was able to set up an appointment, on XX/XX/XXXX I discovered that my online account showed that PNC had paid the fraudster not for the XXXX debit I was text-notified of, but for XXXX repetitive {$210.00} charges totalling {$840.00} : XX/XX/XXXX Tax Payment to Turbotax Taxes XXXX XXXX {$210.00} {$12000.00} XX/XX/XXXX Tax Payment to Turbotax Taxes XXXX XXXX {$210.00} {$12000.00} XX/XX/XXXX Tax Payment to Turbotax Taxes XXXX XXXX {$210.00} {$13000.00} XX/XX/XXXX Tax Payment to Turbotax Taxes XXXX XXXX {$210.00} {$13000.00} I found it shocking that PNC XXXX XXXX XXXX paid out what was obviously XXXX fraudulent charges, rather than having frozen them immediately. So on Friday XX/XX/XXXX ( only XXXX days after my review of my online bank statement/discovery of fraud ) I met personally with XXXX XXXX XXXX, Branch XXXX XXXX PNC ( XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX assisted me in documenting a formal notification to PNC regarding the XXXX deductions in the amount of {$210.00} that occurred on XX/XX/XXXX totalling {$840.00}. XXXX XXXX advised me that I needed to wait to receive a notification from PNC regarding the results of my dispute. I received such notification yesterday, by mail, which denied reimbursement, noting " untimely notification to PNC, and stating that PNC " must receive ... notification no later than XXXX days after we sent you the first statement on which the unauthorized transactions appeared. '' Yet I notified PNC only XXXX DAYS after I discovered the fraud and PRIOR TO receiving a statement because I have a paperless account and my online statement was not yet even sent to me via email. So how can PNC refuse reimbursement alleging failure to notify in a timely manner? Therefore, I am requesting that my account be credited the {$840.00} to which I am clearly entitled. Additionally, I am now considering whether I should continue as a PNC customer given the bank 's failure to catch obvious fraud and also refusing reimbursement alleging failure to notify in a timely manner. I can be reached at XXXX. Cordially, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: IL

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 is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I previously filed a complaint with the CFPB regarding collection attempts related to an alleged Capital One credit card debt. Following that complaint, I requested that the debt collector cease contacting me. Despite this request, XXXX XXXX XXXX has continued to contact me, including calling my business telephone number. I consider this continued communication to be harassment and a violation of the Fair Debt Collection Practices Act. Specifically, the conduct appears to violate : XXXX U.S.C. XXXX ( c ) Failure to cease communication after consumer request XXXX XXXX. XXXX Harassment or abuse in connection with debt collection XXXX XXXX. XXXX ( a ) ( XXXX ) Contacting a consumer at their place of employment when such contact is prohibited Because I already made it clear that I did not wish to be contacted, continuing to call my business number appears to be an attempt to circumvent my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NY

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I completed a purchase through PayPal in XX/XX/year>. The products were defective. PayPal did not have a very specific reason such as " Defective '' only " not as advertised. '' The company wanted the defective items returned to them in XXXX. There was no notation in the advertising that returns must be made to a foreign country. The item was shipped from a California address to a Utah address. PayPal sided with the merchant and I then submitted my complaint to XXXX XXXX. After a few months and several letters the case was decided in my favor and the money was returned to my account. I had no faith in PayPal to be fair in representing my interest as their client so I requested my account closed and my personal and financial information deleted. PayPal refused saying that there is an open case. I submitted the final disposition letter to PayPal from XXXX twice in the manner that PayPal requested. They keep saying that they are investigating the case and will get back to me. They have passed numerous deadlines and still there is no closure. I have submitted many emails, forms and documents and still there are delays. The total purchase was {$75.00} and the cost to mail the package to XXXX was {$50.00}. PayPal in two of the phone conversations said they would demand the vendor Drivse to send me a prepaid mailer. This was never done. That fact was submitted to XXXX. To advertise a product and not guarantee its not going to be defective is not a company that should be allowed to do business in this country. The fact that PayPal has no real method to adequately lodge a complaint that can be easily settled is also a breach of confidence. To overlook closure documents is also beyond the scope of how a business should act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
Over the past four years XXXX has allowed multiple fraudulent accounts about nine to ten different accounts to to be opened under my personal identifying information I have had to contact XXXX 10 different times just last month there were four different new accounts with XXXX XXXX XXXX that I had to have removed this one that has just popped up is a Harris and Harris collection for XXXX this account is not my account it was opened fraudulently I need XXXX and Harris and Harris to delete this account and I need the credit agencies updated furthermore I need XXXX to to remove all fraudulently opened accounts from my identifying information as I do not want to have to contact in again

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX of XXXX someone used my personal information to commit fraud and make bank accounts in my name and cash fake checks in the amount of XXXX dollars and XXXX dollars which resulted in putting me in XXXX XXXX and I didnt find out until a month later in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief