vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for XXXX XXXX  XXXX  issued through XXXX XXXX. XXXX stated spend {$1000.00}. In the 1st 90 days and receive {$300.00} on board credits during cruise. I did that but the company tells me I have to wait until the 2nd billing statement to receive credit. No where in any of the emails or disclosure/agreement does it say that. I checked with XXXX cruise lines as well to see if they had that in their promo info and they can not find it either. I asked XXXX XXXX rep and supervisor to send me where I can find that info and they said they have nothing but their word on the info they have, also unwilling to send me that info as well. I was prior to the dispute to notify them 2 weeks prior to my cruise to connect my card and credits. Which I did and that is how I found out I can not use the credits on my cruise on XXXX. They said they will open a case but will not have resolution until after my trip. I do feel it is deceptive practice.

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WV

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of the debt ( s ) associated with the following accounts According to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c, I am entitled to certain rights regarding communication and the validation of debts. Given that these accounts have been inaccurately reported and have caused undue harm to my credit score, I request that they be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Metallicus, Inc.
State: TX

Complaint narrative:
Subject : Formal Dispute : Unauthorized Asset Substitution, Systemic Error, and Fee Mismanagement On XXXX XXXX, 2026, I initiated XXXX purchases for a total of approximately XXXX XXXX  ( XXXX  XXXX  ). Both transactions were marked " denied '' by the system. However, instead of a full refund to my original funding source, Metallicus executed an unauthorized conversion of these funds into XXXX XXXX ( XXXX ). 
Key Issues : Unauthorized Substitution : I never consented to purchase XXXX. Converting denied transaction funds into a different volatile asset without user approval constitutes an unauthorized trade. 
Significant Asset Discrepancy : My original orders were for XXXX XXXX  each ( Total XXXX ). The current value reflected is only XXXX XXXX  equivalent, a loss of XXXX XXXX  due to forced conversion and price slippage. 
Fee Mismanagement : I was charged fees for an unauthorized product, and Support has requested I pay additional fees to convert back to my intended asset, which is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am filing a complaint regarding XXXX failure to properly investigate and reopen a fraud and identity theft dispute, despite a recorded commitment from a XXXX account manager to do so. 
My XXXX  account was compromised. A fraudulent external bank account ( XXXX ) was added to my XXXX account without my knowledge or authorization. A fraudulent XXXX XXXXransaction attempt triggered a legitimate XXXX security alert. Immediately afterward, I received a fraudulent phone call impersonating XXXX support. Under false representation and urgency, I was instructed to transfer my funds, which unknowingly went to the fraudulent XXXX account. 
I opened a dispute, which XXXX  denied based on the incorrect assertion that I confirmed access to the XXXX account. This is false. I do not have, and have never had, a XXXX account. 
On XX/XX/XXXX, I spoke with a XXXX  account manager ( XXXX ) on a recorded XXXX  line. XXXX explicitly stated that my dispute would be reopened due to an insufficient investigation and requested documentation confirming I do not have a XXXX account. 
XXXX has verbally confirmed on a recorded call that I do not have an account with them but refuses to provide written confirmation due to their systems preventing non-account holders from obtaining documentation. I submitted a transcript of that recorded confirmation to XXXX. 
Despite this, XXXX  has failed to reopen my case and continues to mark it as closed, directly contradicting the managers recorded representation. XXXX is now effectively requiring impossible third-party documentation and has not explained how this constitutes a reasonable or compliant fraud investigation. 
I am requesting CFPB assistance to require XXXX to : Reopen and properly investigate my fraud and identity theft claim Provide the documentation and reasoning used to deny my dispute Explain how it is compliant to require unattainable third-party documentation Resolve the unauthorized transfer resulting from identity theft and impersonation fraud XXXX Case Number : XXXX Amount XXXX {$420.00} Case Opened : XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: MN

Complaint narrative:
Can't access my XXXX XXXX through card verification, email or cell for time being, alarming things I noticed is my pin got changed and a linked bank card that I've never personally authorized is attached.

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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
HI, I AM XXXX XX/XX/XXXX opened new XXXXXXXX XXXX XXXX XXXX credit card for spending XXXX in months for XXXX miles on it, Annual fee {$390.00} post on my account the day that i opened, i use the {$3600.00} until XX/XX/XXXX then account suddenly closed, No any specific reason provide then i calling to them ask the refund my ANNUAL FEE, because i don't see any reason to give XXXX XXXX XXXX free {$400.00}, they denied my request even talk to supervisor i checked forum found so many user got same problem, they try to submit report to here seeking help THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MA XXXX Date of Birth : XX/XX/year> Last 4 of SSN : XXXX Company : Wells Fargo Auto Type of Complaint : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Debt Status : Debt was paid Complaint Description : I am submitting this complaint regarding Wells Fargo Auto reporting an inaccurate account on my credit report. The account ( Account Number : XXXX ) is reported as Paid, Closed with an {$18000.00} charge-off. 

The debt was fully satisfied through an insurance payoff after the account was charged off, but the reporting still shows a write-off. Despite multiple disputes with the credit bureaus and Wells Fargo, the account continues to reappear on my credit report as a charge-off, which is inaccurate and misleading.

This repeated reporting of inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). I have attached supporting documentation including : Proof of insurance pa
yment covering the loan Copies of prior dispute letters Credit report showing the account is inaccurately reported I request that Wells Fargo and all reporting credit bureaus permanently remove this account from my credit report. I also request written confirmation of the actions taken and any documentation used to verify this account.

Please treat this matter with urgency, as this inaccurate reporting continues to harm my credit. 

Attachments : Insurance payoff statement Previous dispute letters Credit report showing the charge-off

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 2026-02-03 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: FL

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding a billing and promotional financing error on my Lowes credit card account that has not been resolved despite multiple attempts over several months. 

I have been a Lowes credit card customer for several years and have maintained my account in good standing with no late payments. I am reaching out because I am now being financially penalized due to a clerical and processing error that was not caused by me and that I attempted to resolve in good faith as soon as I became aware of it. 

Here is a summary of what occurred : I initially purchased appliances using a promotional offer that was interest-free until the balance was paid in full. Before that promotional balance was paid off, I made a separate purchase of a lawn mower. At the time of that transaction, I clearly discussed with the Lowes associate that I intended to use my Lowes card only to receive the cardholder discount, while paying for the lawn mower with cash. I did not intend for that purchase to be added to my credit card balance or to interfere with my existing promotional financing. 

Despite this discussion, my cash payment was applied to the existing promotional balance on my card, and the lawn mower purchase was instead placed on my credit card. This was not what I authorized or intended. 

Several months later, I noticed that my statement amount had increased. I immediately contacted customer service and was told that the issue was visible in the account history and that it would be reviewed and corrected. I was informed that I would receive written correspondence by mail regarding the resolution. That correspondence never arrived, and the issue was never corrected. 

After additional months passed now totaling close to eight months since the original transaction I contacted customer service again. Only at that point was I told that because more than 60 days had passed since the purchase, nothing could be done. At no point during my earlier calls was I informed of this limitation, nor was my issue escalated as promised. 

To be very clear, I am not requesting a refund. I am simply asking for my original promotional financing terms to be restored going forward, as they were prior to this error. I acted in good faith, relied on information provided by store and customer service associates, and attempted to resolve this well before the situation became prolonged. 

Being told that nothing can be done without review, escalation, or consideration of the circumstances feels inconsistent with the values Lowes states it holds and unfair to a long-standing customer with a positive payment history. 

Thank you for your time and attention. I look forward to your response and to resolving this matter amicably.

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 monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank is offering {$400.00} bonus for people to open account with direct deposit. I opened account in XX/XX/year> and deposit a check {$1000.00} from XXXX XXXX on XX/XX/XXXX. It show error and ask me deposit check from local branch. Actually the check was from my another bank account, I got confirmation the amount was deducted on XX/XX/XXXX. There is no local bank at my city, so I complained via PNC Customer hotline ( XXXX ) XXXX, but they keep saying it takes 10days for them to verify the check. Quite strange. I called on XX/XX/XXXX, they saying still can't verify check. Due to inconvenience, no branch at my area, and also low performance of PNC, I decide to close bank account. Each time it takes about 20-30 minutes for people to pick up phone when you call their customer hotline, then they transfer to another person which takes another long time. Finally on XX/XX/XXXX, they confirmed to close my account and immediately refund {$1000.00} over check, they confirmed my address is correct. But after 2 weeks, I still not get check but instead get XXXX letters saying my bank account has been closed on XX/XX/XXXX. This means they have my address correct, but where is my money? I called and complained again and request tracking information of check. They can't provide. Looks like fraud. Please investigate and help get my hard earned money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Turning Point Solutions LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding improper debt collection and inaccurate credit reporting by XXXX XXXX XXXX 

XXXX XXXX XXXX is attempting to collect and/or reporting an alleged debt without providing proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have disputed the alleged debt and requested validation, including proof that I am legally obligated to pay, proof of ownership of the debt, and a complete chain of title from the original creditor. 

To date, XXXX XXXX XXXX has failed to provide sufficient documentation to validate the debt. Despite this, the company has continued collection activity and/or continued reporting the account to consumer reporting agencies while the debt remains disputed. 

Reporting an unverified or disputed debt and continuing collection efforts without proper validation is misleading and constitutes improper collection practices. 

I am requesting that the CFPB require XXXX XXXX XXXX  to either : Cease all collection activity and delete the account from all consumer credit reports if validation can not be produced. 

I request that the CFPB investigate XXXX XXXX XXXX debt collection and reporting practices for compliance with federal law. I have retained documentation and proof of correspondence and can provide it upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XX/XX/2025, an unauthorized person used my account. I am unsure how they got my account information but they typed the card number in. This person went to XXXX XXXX XXXX in XXXX, NY XXXX and charged {$3000.00}. I've been patiently waiting for the bank to contact me to inform me of steps taken to resolve this matter. When I finally decided to follow up Wells Fargo informed me they've exhausted all options and I will be responsible for the money that was stolen from me. They did not let me know what they did to try to resolve this matter. I've not been able to make contact with the company where the transaction took place, but I've attempted via phone. 

XXXX XXXX XXXX ( per XXXX search ) Located in : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Hours : Open Closes XXXX Phone : ( XXXX ) 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 monetary relief
Consumer complaint received 2026-02-03 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: WI

Complaint narrative:
XX/XX/XXXX I placed an order on the website XXXX for a tee shirt and hoodie, the order totaled {$130.00} including shipping and any other fees. This was a website I had purchased from in the past and felt was legitimate through the experiences of myself and others. 
XX/XX/XXXX I sent a message to the XXXX support team, asking when I could expect my order to ship, as it had been over 4 months since I had placed it. I got an auto generated email in response, thanking me for reaching out and saying they'd get back to me soon. I never received a response. 
XX/XX/XXXX I started a dispute with Discover- the credit card I used for the purchase - because I failed to receive the goods I paid for. I provided proof of purchase and the email I sent that never received a response. I also found out that the entire website was down and provided a screenshot for that as well. 
XX/XX/XXXX Discover closed my dispute, saying my transaction was found to be valid. 
XX/XX/XXXX I sent another message to the XXXX support team, letting them know I was moving and asking if they could update the shipping address for my order. This email was bounced back to me, stating that the email address I had messaged could not be found or was unable to receive emails. 
XX/XX/XXXX I contacted Discover about re-opening my dispute, as it was coming up on a year since I had placed my order and I still had yet to receive it or any communication from XXXX. I provided the proof of purchase, both my emails to the XXXX customer service that received no response, and screenshots of both the website itself and XXXX ( help center ) for XXXX being down now. 
XX/XX/XXXX Discover closed my dispute again, saying they were unable to change the outcome. 
It is now XX/XX/XXXX, 1 year and 2 months since I placed my order with XXXX. I have not received any communication from them or any part of my order. There is no way to get in contact with them at this point, both their website XXXX and XXXX attached to the email XXXX are down. Discover has closed my dispute twice, claiming the purchase is valid and refusing to refund my money, even though I've clearly been scammed and will not be receiving the goods I purchased or a refund from XXXX themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to respectfully request reconsideration regarding my eligibility to open a checking account with your institution.

When I was younger, I made a poor financial decision that ultimately prevented me from being able to open a checking account with this bank. I fully acknowledge that the mistake was my responsibility. At the time, I lacked the maturity and financial discipline that I now understand is essential.

Since then, I have grown significantly, both personally and financially. I have taken responsibility for my actions and learned from the experience. I am now in a position where I want to move forward the right way and establish a proper banking relationship built on responsibility and accountability.

I would be extremely grateful for the opportunity to make things right. I am willing to repay any outstanding obligations, comply with any conditions required, or even begin with a restricted or limited account if that would allow me to demonstrate that I can be a responsible and trustworthy account holder.

Thank you for taking the time to consider my request. I truly appreciate any opportunity to prove that I have learned from my past and am committed to handling my finances responsibly moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation