vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have never lost my Amazon card. Someone hacked into my account, reported the card as lost, and requested a replacement. Please suspend or cancel this new card. Furthermore, the hacker changed my statement delivery preference to postal mail to prevent me from receiving email notifications. Although I have since reverted the setting to receive email alerts, I remain concerned that someone might switch it back to postal mail at any time. I do not wish to receive paper statements. Although I have temporarily suspended my account, I still feel uneasy. I had the account suspended and then closed the very next day ; however, there is no telling whenor by whomit might be opened again. I have fallen victim to identity theft twice now ; this is the second instance, and both cases have been linked to Synchrony Bank. On XX/XX/year>, I received an email stating that a new Amazon card had been shipped. I immediately froze and closed the account, so I did not suffer any financial loss.

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 2026-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for the XXXX XXXX XXXXXXXX XXXX XXXX in XX/XX/year> with a promotional welcome bonus of {$350.00} e-gift card and XXXX XXXX points. I met the required spending within the specified timeframe, but the e-gift has not been awarded. I contacted Chase, but the issue has not been resolved or clearly explained. Chase said XXXX should give me ; however, XXXX said it should be Chase. I am requesting that Chase : Award the promotional e-gift card immediately!! I have documentation showing that I met the spending requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
In the month of XX/XX/year>, I filed for Dispute under unauthorized transaction on XXXX account. All claims were denied expect for one although rest of the claims were under the same merchants. Transaction was made while I was in different states. It did not take long to get my result as merchants favor. I believe that investigation was handled hastily and resulted in my account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I have been locked out of my personal account for over 3 weeks due to an identity verification issue caused when the institution merged my personal information with another account without my consent. I have submitted identity documents multiple times and have received no confirmation of receipt. I have been denied access to my funds and can not get updates because representatives state the fraud department is unavailable and unreachable. This is preventing access to my money and has caused financial hardship. I am requesting immediate restoration of access or written confirmation of the issue and timeline for resolution. I am a veteran and Im dealing with Navy Federal credit union Im having this issue with my savings and checkings not just my checking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 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: TX

Complaint narrative:
LVNV Funding LLC and Resurgent Capital Services does not constitute proper validation of the alleged debts and fails to resolve my complaint. The companies claim the debts have been verified ; however, they did not provide sufficient documentation to meet validation requirements under the Fair Debt Collection Practices Act. Specifically : XXXX. They failed to provide a complete chain of title demonstrating how LVNV Funding LLC legally obtained each account, including a bill of sale that identifies my specific accounts. XXXX. They did not provide any signed agreement or contract bearing my signature showing I agreed to the alleged debts. XXXX. They failed to provide a complete payment history or itemization explaining how the balances were calculated. XXXX. They refused to provide the purchase and sale agreement, which is critical to proving ownership and the legal right to collect. XXXX. The documents provided ( a credit card statement ) do not constitute proper validation of a debt. Additionally, the companies continue to report these accounts to the credit bureaus without providing adequate verification, which may constitute inaccurate or incomplete reporting under the Fair Credit Reporting Act. Because LVNV Funding LLC has failed to provide proper validation and proof of ownership, I am requesting the following : Immediate deletion of all accounts from my credit reports Ceasing of all collection activity Written confirmation that these accounts will no longer be reported If the companies can not provide full and proper documentation supporting their claims, they should not be permitted to continue reporting or attempting to collect these debts. This response does not resolve my complaint, and I request further investigation into these practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, I secured a verbal agreement from Affirm for a XXXX medical hardship deferral on my entire account. During this recorded call, I explicitly asked if my first payment for all loans would be moved to XX/XX/XXXX. The agent confirmed with a clear 'Yes. ' Despite this, Affirms systems failed to apply the deferral to all loans. By XX/XX/XXXX, I began receiving delinquency threats for a payment that should have been deferred. I am a XXXX recovering from life-saving XXXX XXXX and managing a XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX sent a secure message admitting the system failed to include all loans, yet he refused to correct the due dates. Instead, he demanded I repeat an arduous, XXXX legal phone process that I had already completed. This constitutes a deceptive trade practice, a breach of a verbal contract, and a failure to provide reasonable accommodation for my XXXX. I have attached my contemporaneous notes from the XX/XX/XXXX call and a screenshot of the XXXX call duration as evidence of the agreement. I also want to bring to the XXXX 's attention that 'Scott XXXX refused to provide a last name or any unique employee identification number. This lack of transparency from a supervisor is a clear attempt to avoid accountability and further complicates the resolution process for a XXXX consumer. I hereby grant my express permission and authorization for the CFPB to obtain and review the recorded call from XX/XX/year>, in its entirety. I am confident this recording will verify every detail of the agreement mentioned above. Furthermore, let this serve as notice that additional formal complaints to the XXXX Attorney General and other regulatory bodies are forthcoming regarding these deceptive practices. " I also want to bring to the XXXX 's attention that 'Scott XXXX refused to provide a last name or any unique employee identification number. This lack of transparency from a supervisor is a clear attempt to avoid accountability and further complicates the resolution process for a XXXX consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Subject : Complaint About PayPal & PayPal XXXX Denying My Fraud Claim Im filing this complaint because PayPal and PayPal XXXX XXXX XXXX Bank ) denied my dispute even though the seller clearly scammed me. I bought a computer on XX/XX/XXXX for {$740.00} on XXXX. The seller gave PayPal a tracking number that shows delivered, but it was not delivered to my address it only matches my ZIP code, not my actual home. I never received anything. On top of that, the package in the tracking info weighed XXXX lbs, which obviously does not match the weight of a computer. This is a common scam where sellers use a random tracking number from the same ZIP code to trick the system. After the sale, the seller deleted their XXXX account, which makes it even more obvious that this was fraud. I gave PayPal and XXXX all this information wrong address, wrong weight, seller disappearing and they still denied my claim without doing a real investigation. Im asking that this complaint forces PayPal and XXXX XXXX to reopen my case, look at the tracking details again, and refund the full {$740.00} since I never received the item.

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 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX for XXXX and Removal I am submitting this complaint regarding a collection account that has been reported under my name, which I believe to be inaccurate, unverifiable, and in violation of federal law. The account in question has been reported on my credit file by the above-mentioned collection agency. I formally dispute the validity of this debt, as I have not been provided with sufficient evidence that this obligation is mine or that the collector has the legal authority to report or collect it. I have requested proper validation of this debt, including a signed agreement, full payment history, and documentation proving the collectors right to collect. To date, this information has not been provided. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful to report or attempt to collect on a debt that can not be properly validated. The continued reporting of this account without verification is damaging my credit profile and constitutes inaccurate and/or incomplete reporting. I am requesting the following actions : Immediate investigation of this account Full validation of the alleged debt Removal of this account from all credit reporting agencies if proper validation can not be provided Additionally, I request that all collection activity cease until this matter is fully resolved. I expect this issue to be handled promptly and in accordance with federal law. Failure to comply may result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding a credit card application that I did not knowingly authorize. While making a purchase at XXXX XXXX, I was informed by the sales associate that the process being completed would not impact my credit. At no point was it clearly explained to me that I was applying for a credit card or that a hard inquiry would be performed on my credit report. I only became aware that a credit card application had been submitted after I received an approval. Had I been properly informed that this would involve a hard credit inquiry and the opening of a new credit account, I would not have consented. This constitutes a lack of informed consent and potential misrepresentation during the application process. Consumers must be clearly informed when they are authorizing a credit application and a hard inquiry that impacts their credit report. Total {$5600.00} this was on XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I booked a round-trip ticket with XXXX XXXX from XXXX ( XXXX ) to XXXX ( XXXX ), with a connection in XXXX ( XXXX ). My return trip was scheduled for XX/XX/year>. On XX/XX/year>, less than XXXX hours before departure, the first segment of my return flight ( XXXX ) was cancelled. The second segment ( XXXX ) was not cancelled and remained scheduled and operational. When I initially filed my insurance claim, I broadly included both segments of the trip, referencing the regional conflict as context for the disruption. However, I later understood that such events may be excluded under the policy. My claim was therefore clarified to focus on the second segment ( XXXX ), which was not affected by any disruption. Before departure, I contacted the airline and explained that I had arranged another flight to reach XXXX in time for the XXXX segment on XX/XX/year>. I requested to keep this segment so I could complete my return trip. The airline refused and told me I had to cancel the entire ticket. I followed their instructions. On XX/XX/year>, I traveled from XXXX to XXXX on another airline and arrived in time for the originally scheduled XXXX flight. However, I was unable to board because my ticket had been cancelled. As a result, I was forced to purchase a new ticket for the same XXXX flight at a cost of {$2500.00}. I also incurred an additional {$80.00} baggage fee because the replacement ticket included a lower baggage allowance than my original ticket. The airline later refunded approximately {$1100.00} for the unused portion of the original ticket. The loss was not caused by a war-related event affecting my ability to travel. The XXXX segment was available, and I was present and able to board. The loss resulted from the airline requiring cancellation of the entire ticket instead of allowing use of the remaining segment, which I believe should have been honored. I submitted a reconsideration on XX/XX/year> and a follow-up on XX/XX/year> clarifying this distinction. I did not receive a response, and the claim was closed without addressing my clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, Multiple Unauthorized transaction was made on the account. I have noticed the issue to the text/email were sent. I made a call to reverse these charges because it was not made by me. Upon speaking with the customer service, they notified me that nothing is able to be done till the pending transaction was complete before I can proceed with disputing process. I have reached out to the merchant listed on the transaction, XXXX from the United States and Another from XXXX ( Which I was unable to figure out the contact information ), and refuses to corporate to refund my funds. Upon the pending charges has gone through I opened the dispute with my banking resulting in Merchants favor due to Electronic Activity and log in history. I believe that when an individual is trusted to protect the funds with a company. Upon notification the issues should be settled. Now these two companies have taken over XXXX and no positive results towards the Consumer. I believe I have taken the right step to report it as soon as I found out the issues, only reason it may stopped from further action were because of the customer service hastily made the decision of closing the older card and sent me new one. After this action nothing has been moved in my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
I, XXXX XXXX, am filing a formal complaint regarding multiple unauthorized transactions on my account ( Account Number : XXXX ). I attempted to dispute the following transactions, all of which were made through a XXXX XXXX account that does not belong to me and were not authorized by me : - One transaction of {$2700.00} XXXX Two transactions of {$500.00} each XXXX Two transactions of {$400.00} each These transactions occurred on or around XX/XX/XXXX and XX/XX/XXXX. The total amount of unauthorized charges is {$4500.00}. I reported these fraudulent transactions to my bank, but my dispute was denied without a satisfactory explanation. I did not authorize, initiate, or benefit from any of these charges. I am requesting a full refund of {$4500.00}, a thorough investigation, and a written explanation of the denial. I also request that any related fees be reversed and that my account be secured to prevent further unauthorized activity. Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MO XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On Tuesday XX/XX/XXXX at XXXXXXXX XXXX. Experian charged my card {$27.00} for a premium membership. And since I have not been able to access my premium membership account. I called the customer service number where man that I spoke to told me that I would be refunded because they didn't see my payment come through yet. I let him know that I did get confirmation from my debit card issue where that the money was taken from my card to pay Experian. He kept telling me that they didn't see the payment. When I asked him what they're going to do about it because it was definitely paid, he placed me on a free membership despite me repeatedly telling him that I don't want to be placed on a free membership because my premium was already paid. He also said that they would refund me the amounts that was paid from my card once they see it. I have not received a refund yet. And they have me on a free membership which I can't access anywhere near the amount of things I would have been able to access with the premium membership that I paid for. I've tried tirelessly to call the customer service phone number that I originally spoke to the representative at with no success. I keep getting a recording saying that I can't speak to someone at that number although I already have. I've combed through every avenue I could to find different numbers for them and every number that I call it answers and says it's Experian but I'm unable to speak with a live person. So as it stands I have no membership that I paid for and they have my money. I have proof that they were paid and I was not refunded! I was paying for that membership so that I can help my financial situation. But instead I was ultimately robbed.

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 2026-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
SLOAN SERVICING. My loans were transferred to sloan without notice. Currently unable to retrieve any information from sloan RE : student loan balance & interest paid for XXXX. Unable to access website after several attempts. Blank screen only. I need access to my year end tax statement in order to file my taxes. Sloan has been extremely difficult to access & communicate with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COLUMBIA BANKING SYSTEM, INC.
State: NC

Complaint narrative:
The dates go far back to XXXX to XXXX, but I am just learning about this web site now so I do not have the dates as far as what days or the date.But the bank always charges me for overdraft fees all the time when they should not have.

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 2026-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I made a check from my personal bank and deposit {$100000.00} to open Marcus by Goldman Sachs online on XX/XX/year> and I got online statement showed one month interest income, but I suddently got call from the bank close my account for no reason and wanted me to sign a dusputed form to close my account. I got XXXX bank statement showed my account balance was XXXX and interest income been deducted. I called several times to requested my refund, but the bank hold me for longer time several times and told me to investigate in the future. I called again and they still not refund my deposit even my bank account was closed on XXXX. This bank seems scam even couldn't add joint account person who is XXXX XXXX for XXXX years, very complicated process with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I received a notification that a wire transfer of {$7500.00} had been initiated from my account to an individual I do not recognize. At XXXX XXXX the same day, I immediately contacted Wells Fargo to report the transaction as fraud and was provided with a fraud case number. At that time, the transaction was still in a pending status. On XX/XX/XXXX at XXXX XXXX, I contacted Wells Fargo again and was issued a new fraud case number. By then, the transaction had already been posted. I was informed that a recall request had been initiated and that Wells Fargo is in the process of contacting the recipients bank.

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