vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I went to capital one XXXX  at the following location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I went inside the cafe to use the atm. I requested to withdraw {$280.00} from the atm. The atm showed it dispensed the money, but it did not. I looked at my online banking which showed the money was taken out of my account. I spoke to the cafe banker who assisted me in calling capital one to file a claim. Claim was filed XX/XX/year> between XXXX. However, the bank is claiming it was filed XX/XX/year> at XXXX. Claim # XXXX On XX/XX/year>, I received an email from capital one stating my claim was denied. I called capital one on XX/XX/year> at XXXX and asked to reopen the claim. New claim # XXXX. 

On XX/XX/year>, I received an email from Capital one stating my claim was denied. 

XX/XX/year> at XXXX, I called capital one ( XXXX ) XXXX spoke to XXXX ID # XXXX. She stated the claim was denied. I requested for the information ( documents, videos ) that was used in the decision process to be emailed to me. 

Capital one has not provided me with any documentation used in their decision process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Federal taxes filed using XXXX XXXX XXXX XXXX When I sent them my information in missed a digit in my account number with XXXX where the XXXX direct deposit was to be made. Instead of returning payment to the IRS is was sent back to XXXX who issued a cashier 's check through XXXX XXXX XXXX in the amount of {$370000.00}. I received this cashier 's check on XX/XX/XXXX It was originally taken to XXXX XXXX and deposited into my checking account there. The envelope was opened and cashier 's check signed in front of the teller XXXX. I verified the deposit on the pin pad The XXXX comes out and ask if he got the check verified as you will see the writing on the front of the check he did The check was taken from him and I was taken into the XXXX  office where she and another XXXX bank employee talked to me about my birthday being that day and my plans. Which I had to show proof to them on my phone that I actually had concert tickets in XXXX XXXX that night birth of grandchild changed my plans. At that point my tax refund became a romance scam that they had seen countless times before. Over an hour later my cashier 's check and I were allowed to leave and I drove down the street to Bank of America where I had another checking and a small business checking I deposited cashier 's check and was told because of the amount there would be a hold I received a letter from BOA on / XX/XX/XXXX that they had closed my account Since XX/XX/XXXX I have made numerous calls to client protection and the fraud department have been to the branch where they did what they could to help but received no answers themselves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am disputing the reporting of late payments on my XXXX credit report for an account furnished by Affirm , Inc. ( Account ending XXXX ). 

XXXX  reports this account as Paid, Closed, yet it also reports 30-day late payment notations in the payment history. Because the account is reported as paid/closed, the late payment reporting must be supported by a complete and accurate payment history and documentary evidence of the due dates and alleged delinquency. The reporting as presented is incomplete and not capable of reasonable verification. 

I am requesting that Affirm and XXXX  remove the late payment notations unless they can produce competent documentation supporting each reported delinquency, including : A complete payment history ledger, The due date schedule in effect during the disputed months, Proof of billing statements/notices, Documentation showing that payments were received after the delinquency dates as reported. 

Affirm, as a furnisher, is required to conduct a reasonable investigation and correct or delete inaccurate information under 15 U.S.C. 1681s-2 ( b ) after notice of dispute. XXXX  is required to ensure maximum possible accuracy and conduct a reasonable reinvestigation under 15 U.S.C. 1681e ( b ) and 1681i ( a ). 

Because the late payment reporting is inaccurate and/or not reasonably verifiable as reported, I am requesting removal of all late payment notations and reporting of this account as paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am disputing a collection account reported by Credence Resource Management with XXXX  listed as the original creditor. 

Account details as reported : Credence Resource Management ( Account ending XXXX ) Original creditor : XXXX  Balance : {$660.00} ( original balance {$660.00} ) Collection account opened XX/XX/2025 and continues reporting as past due This account is not capable of reasonable verification and is being reported in an incomplete and potentially inaccurate manner. The tradeline appears as a lump-sum collection amount without the documentation needed to establish that the account is accurate and attributable to me, including : A copy of the original service agreement/contract bearing my authorization, Itemized billing statements showing the specific charges that make up the {$660.00} balance ( service dates, usage, device charges if any, fees/credits ), Proof of lawful assignment/authority for Credence to collect and report this account, A complete history showing how the balance was calculated and whether any charges were assessed properly. 

Additionally, the reporting shows limited account terms/details ( including Terms : XXXX  Month ) with no clear transaction history or itemization to support the claimed amount, making the information incomplete and misleading to users of my credit report. 

Credence Resource Management, as a furnisher, is required to conduct a reasonable investigation and correct or delete information that can not be substantiated under 15 U.S.C. 1681s-2 ( b ) after notice of dispute. The credit reporting agency is required to ensure maximum possible accuracy and conduct a reasonable reinvestigation under 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Because this collection account can not be reasonably verified with competent documentation, I am requesting permanent deletion of the Credence Resource Management tradeline from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Oasis Legal Finance Holding Company, LLC
State: CA

Complaint narrative:
I am submitting this statement to urgently report that my bank account was compromised during the exact period when I was expecting the {$5000.00} presettlement advance. Due to this security breach, unauthorized individuals gained access to my account and altered information without my knowledge or consent. As a result, the funds that were supposed to be deposited were never received by me. 
The moment I discovered the fraudulent activity, I immediately contacted my bank, filed a formal fraud report, and took steps to secure my account. My bank confirmed that unauthorized access had occurred, and they advised me to notify all parties involved in any pending transactionsincluding your office. 
Since then, I have made multiple attempts to contact your company by phone and email to report the issue, verify where the funds were sent, and request assistance. Despite these repeated efforts, I have not received any response or clarification. This lack of communication has left me unable to determine whether the funds were misdirected due to the account breach or if they were deposited into an account that was compromised. 
At this time, I urgently request written confirmation of the deposit details, including : The exact date and time the funds were released The account number and routing number the funds were sent to Any documentation showing the transaction was completed This information is critical for resolving the fraud investigation with my bank and ensuring that I am not held responsible for funds I never received. I am asking for your immediate attention to this matter so it can be resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Some one using my social and personal information to apply for credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, a {$110.00} Cash App XXXX transaction to XXXX was declined due to insufficient funds. I immediately added funds, after which {$110.00} was removed from my Cash App balance despite the transaction remaining declined. XXXX has confirmed they never received the funds. Cash App has now confirmed in writing that the transaction was declined, XXXX did not receive the funds, and the {$110.00} is missing from my balance with no corresponding credit. Cash App closed my complaint without returning the funds or providing a balance trace. Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
I am disputing this rental-related collection due to violations of federal and state XXXX XXXX housing protections. 

I was forced to vacate the residence due to a documented XXXX XXXX situation. Under the Violence Against Women Act ( VAWA ) and applicable state tenant protection laws, survivors of XXXX XXXX can not be penalized, charged, or reported for early lease termination related to safety. 

The reporting of this collection constitutes : Improper billing Inaccurate debt reporting A violation of housing and consumer protection laws I am requesting : Immediate deletion of this collection Written confirmation that no further reporting will occur Confirmation that no balance is owed Any continued reporting of this account is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: MN

Complaint narrative:
I am filing a complaint regarding a reversed credit card dispute involving misleading subscription charges. 

I purchased what was advertised as a one-time {$19.00} social media growth course. The advertising emphasized a single purchase, and I made a quick decision based on that representation. After reviewing the content and determining it was not for me, I stopped using it and deleted the app. 

I did not knowingly authorize a recurring subscription. 

Months later, I discovered I had been charged {$49.00} per month, totaling {$290.00}, by a billing descriptor named XXXX, which did not match the product or brand I believed I purchased. When I researched the charges, the merchant appeared to be XXXX XXXX  a company that primarily markets itself as a self-improvement app, not a social media course. This product and merchant identity mismatch contributed to significant confusion. 

I received no monthly billing confirmation emails, receipts, or notices indicating I was enrolled in a recurring subscription. Additionally I can not find the receipt for the {$19.00}. 

Because I did not recognize the charges or merchant, I disputed them with Discover as unauthorized. Discover initially issued a provisional credit, but months later reversed the credit after the merchant responded, leaving me responsible for the full {$290.00}. 

I believe the recurring subscription was not clearly and conspicuously disclosed at the point of sale, and that the advertising, product description, and billing practices were misleading. I do not believe this meets the standard of informed authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Ive asked synchrony a few times to move my due date to just a few days out, as it keeps falling on the XXXX. Its very frustrating. They absolutely refuse and then say they can not. Followed by XXXX  grace period, not even 5 days. Its very shady and doesnt sound accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive asked for TransUnion ALSO XXXX XXXX XXXX XXXX XXXX TO REMOVE XXXX  XXXX CHARGE OFF ACCOUNT FROM MY CREDIT REPORT AS THEY CANT PROVIDE ME WITH A METHOD OF VERIFICATION ALSO TRANSUNION. TRANSUNION KEEPS REPORTING THESE DEBTS ON MY CREDIT WITHOUT MY CONSENT, WITH ANY METHOD OF VERIFICATION PROVIDED TO ME THAT I KEEP REQUESTING FOR EVERY DISPUTE. THIS IS EFFECTING MY LIFE TO APPLY OR HAVE IN ANY CREDIT FOR OVER 5 years now, just keep reporting late although it reflects charged off closed off. Its 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 non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have tried to log in account paypal ( XXXX ) but after several attempts of log in Paypal has blocked me and the page keep appeared " Were having trouble making sure its you '' and I have sent XXXX mails for help but still no replies. Paypal communication is so awkward and I did not expect a large financial company was that bad. I hope your organization could help my issue. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As I was checking my report I noticed a few accounts that I did not authorize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simplycontacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization I have provided more than sufficient evidence to get these false accounts removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CO

Complaint narrative:
I have a Discover credit card with a balance of approximately {$10000.00} and an APR of about 27 %. 

I have always made my payments on time and continue to do so. Despite this, a large portion of my monthly payment goes toward interest, and the principal balance is not meaningfully decreasing. As a result, the debt has become unmanageable due to the high interest rate. 

Around XXXX months ago, I contacted Discover to request hardship assistance, including an interest rate reduction or a fixed payment plan. My request was denied, and no workable alternative was offered. 

I am not attempting to avoid repayment. I am seeking reasonable hardship options, such as a reduced APR, a fixed payment plan, or a hardship program, even if it requires freezing or closing the account. At the current interest rate, repayment is not realistic. 

I am requesting written communication regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
i received a notification that credit karma spend account was having an option to have money in your account and receive direct deposits for building your credit i deposited almost {$1500.00}. money was there and then later on in the days it was taking out of ma account in portions of {$400.00} i didn't receive a single message, call or email that if the transactions were allowed or if it was me they literally let the transfers go through. when i called to dispute them they said they would investigate it and would provide a temporary credit in 10 days i waited and chatted with XXXX to confirm they are investigating the situation. i was told they would research and wait for the fraud team to look into it. waited and waited what worse this money was for my vacation this has devastated me and my family. on top of a solution this company did not give me a final result they closed the claim with no reason and closed my credit karma spend account account i have no acces to it. called the support line and they said i have no access to information due to not being an account holder wich they closed. this company literally failed to protect my money and failed to protect the customer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Mohela updated their system. I made a payment and soon after got a notification that I still owed a payment for the month. I didnt investigate and went ahead and made the payment. I later saw on my bank account that I had made to payments for that month. I called Mohela and they agreed that they owned me the money back but have not paid me back for more than a year. In addition, they reported me not current, all while withholding money owed ti me. This impacted financial assistance that I was getting from my employer which has caused me around {$1600.00} of payments that my employer wound have paid.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-04 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: TX

Complaint narrative:
On XX/XX/year> {$500.00} to XXXX credit card and {$4600.00} to Amex credit card account was charged and products/services or support werent delivered as promised. On XX/XX/year> the company promised that both accounts were meant to be refunded but havent been refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: DriveTime
State: SC

Complaint narrative:
XX/XX/year> I put a down payment on a car that broke down 2 weeks after me getting it and I put a down payment when they didnt show me any adverse action letter. Which they repossessed the after it been in the shop for almost two months on a gmc terrain from drive time car dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
It just showed up on my credit report. No one has called, left a voice message, or a text.

Company response to consumer: Closed with explanation