vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened my capital one checking acct XX/XX/year>. It had a promotion where if i deposited XXXX within 30 days and had 10 transactions in the account i would get a XXXX dollar signup bonus. When opening the account, i requested a debit card. However, it did not come even though I requested one. I was waiting onthe card for the 10 transactions, but because I didn't receive the card, i never made the required 10 transactions. 

I talked to several people on the phone and they requested an exception be made for my account due to the fact i was told debit card transactions would count and that the debit card was not ordered for me as requested. The lady on the phone said i would hear back from capital one within 15 days. I never heard back and had to call several more times for someone to tell me that it doesn't look like it was approved and that they never planned to tell me the outcome of this review. 

In addition, for over a day, i was unable to access my account during this time due to an error on capital one 's part. I feel like i am being unfairly denied this bonus due to wrong information given by capital one that debit transactions would count, and that they never sent the debit card for me to meet these requirements as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX/OPPLOANS P.O. XXXX XXXX XXXX, VA XXXX RE : FINAL NOTICE- FAILURE TO VALIDATE DEBT / VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : [ XXXX XXXX XXXX XXXX XXXX ] To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 USC 1692g of the Fair Debt Collection Practices ACT ( FSCPA ) and 15 USC 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. 
Your failure to provide constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. 

Additionally, continued collection efforts without proper validation, violates the FDCPA, specifically : - 15 U.S.C 1692e - False or Misleading Representation - 15 U.S.C 1692f - Unfair practices- 15 U.S.C 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) and my State Attorney General and pursue civil litigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My name is XXXX XXXX. I have an account with PayPal that I use for goods and services transactions. Most of my transactions have been from money received, XXXX XXXX, and withdrawals from transactions. I have been very consistent with my transactions and purchases with my PayPal account as of the last year. On XX/XX/XXXX, I received a goods & services payment from someone that purchased something from me for {$750.00}. I had left that money in there and was going to withdrawal it when I wanted to. I had not signed in to check on the money in my PayPal account as I was going to withdraw the money after I made an online purchase with XXXX. On XX/XX/XXXX, I made the online purchase with XXXX using my linked paypal account as payment. I still had not signed into my account to check if the money was there as I had not withdrawn it. After I made the purchase from XXXX, I signed into my PayPal account through the app on XX/XX/XXXX around XXXX. That is when I found out that the money was missing from my account. I checked my PayPal activity and noticed that on XX/XX/XXXX, someone that was NOT me and was NOT authorized to have access to my account withdrew {$180.00} with a {$2.00} fee at XXXX pm and {$200.00} with a {$2.00} fee at XXXX at a XXXX. Then again, on XX/XX/XXXX, XXXX other withdrawals were made at XXXX. XXXX for {$140.00} at XXXX XXXX and another for {$180.00} at XXXX XXXX. As soon as I found out that my money had been stolen, I contacted PayPal. I followed the steps to file a claim, cancel my card, and ordered another one while changing the pin. I do not share my account or card with ANYONE. I did not go to XXXX or XXXX in XXXX XXXX to withdraw money from my account. I have supporting documentation for everything. It was NOT me. My claim was denied three times with PaylPal stating that it was me or an authorized user who performed the transactions, when it was NOT! Paypal is allowing fraud to occur and allowing for my money to be stolen from me. I have filed a police report with my local Sheriffs Department for further documentation of fraudulent activity, but Paypal continues to refuse my claim and not protect me and refund me. I demand that I get my money back from PayPal as this is unacceptable and I am supposed to be protected through Paypal for fraudulent activity. I need my money back! My ATM withdrawals have been consistent with the XXXX in XXXX over the last year and even the people at Paypal said the same thing. Please tell me what the next steps are to help with this matter as it will be investigated by law enforcement and I have also filed a report with IC3 online. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shepherd Outsourcing, LLC
State: IN

Complaint narrative:
XXXX XXXX contacted an authorized family member about my debt, disclosed to them the amount and original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The AI system prevented access to a human representative. 

I could not retrieve my own account number. 

Highlight systemic risk. 
Automated systems without escalation paths. 

I had an extremely frustrating and unacceptable experience with Bank of Americas customer service system. 
I called to retrieve my own account number. Instead of being able to speak with a representative, I was trapped in an AI-driven voice system that repeatedly demanded an ID number I did not have. 
There was no option to bypass the system and no path to reach a human associate. The system looped continuously, effectively blocking access to my own banking information. 

A financial institution should never design a support system that prevents legitimate customers from speaking to a personespecially when account access is involved. 
This experience demonstrates a serious failure in customer service design and risk management.

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 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: ME

Complaint narrative:
I disputed a debt of {$620.00} with IC systems on XX/XX/XXXX. I requested payment details proof of debt accuracy, or supporting documents. Provide full verification including itemized amount statement from XXXX and/or XXXX XXXX. Payment/change history, original creditor agreement or assignment and proof that this is my debt. I received no further information on XX/XX/XXXX they sent me this letter stating they have verified the Information of the debt which does not provide the requested information and does not satisfy Reg F. I have attached the letter they sent

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 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: Prog Holdings, Inc.
State: GA

Complaint narrative:
I never received a refund from XX/XX/year>. They lied and stated it will take 10m business days. Than turn around and said the refund was process XX/XX/year>. Still no refund. I send them numerous of emails and they all reply with the same message or question!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: MO

Complaint narrative:
I have made multiple attempts to communicate to Jefferson Capitol that I do not owe this alleged debt, as it is not mine. Despite clearly expressing my concerns, the representative was unwilling to address them appropriately. I requested to speak with a supervisor on several occasions, but those requests were denied. 

The representative insisted that I provide personal identifying information, including my full name, date of birth, and Social Security number. Given the companys conduct and lack of transparency, I do not feel comfortable sharing sensitive information. I explained that if I am legally responsible for this debt, the company should be able to provide proper documentationsuch as a contract bearing my signature or other valid proof of liabilityand evidence that they have the legal right to collect on it. 

I also informed them that I have been recording our conversations to document the interactions and ensure accountability. 

I am respectfully requesting your assistance in resolving this matter, as I am deeply concerned about the negative impact this situation is having on my credit due to what I believe to be improper collection practices. 


There information is Jefferson Capital Systems LLC is a debt collection agency headquartered in XXXX, Minnesota, with primary operations at XXXX XXXX XXXX XXXX, XXXX, MN XXXX. 
Debt claimed amount owed {$640.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
FORMAL DISPUTE AND DEMAND FOR ACCOUNT AUDIT Account Ending in XXXX To Synchrony Bank / CareCredit XXXX, I am writing to formally dispute the status of my account and to lodge a high-level complaint regarding a year-long pattern of gross mismanagement, technical failure, and predatory billing practices. 
For the past 12 months, I have been an active, responsible customer attempting to pay off my balance. However, this bank institution has made it systematically impossible for me to manage my debt, leading me to believe these barriers are intentional. 
I am demanding an immediate investigation into the following four points : 1. Failure to Provide a Physical Card & Account Access Since the opening of this account nearly a year ago, I have called every single month to request my physical credit card. Every time, theyre agents promise it is being sent ; every time, I receive nothing. Without a card or a functional online login, I have been left " blind '' to my own account details, spending history, and interest charges.

2. Intentional Barriers to Payment Theyre online payment portal is broken and has consistently refused to process my payments. To compensate, I have spent hours every month on the phone, being bounced between departments in a " long process '' of endless transfers just to make a manual payment. You are making it a full-time job for me to give them money, which is an unacceptable business practice.

3. Stagnant Balance & Potential Fraud Despite making manual payments for nearly a year, my balance has not decreased. It is mathematically impossible for a balance to remain the same after a year of consistent payments unless my funds are being misapplied, stolen, or swallowed by undisclosed fees caused by theyre own technical errors. This appears to be a fraudulent effort to keep me in a cycle of debt.

4. Failure of Customer Service I have acted in good faith for a year. Theyre staff has failed to resolve a simple request for a plastic card and has failed to fix my online access. I will no longer accept being " transferred to another person '' only to start the story over again.

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 2026-02-17 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
My vanilla gift card was compromised & I disputed the transaction as soon as I noticed. The dispute started XX/XX/year> the card company keep pushing the finalization date back further & further. They are not willing to resolve this smoothly or in a timely fashion

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
My Bank of America account was abruptly closed without any prior notice, warning, or explanation. I did not receive any email, phone call, written correspondence, or secure message informing me that my account would be closed. I only discovered the closure when I attempted to access my account and was denied access. 
For approximately two weeks, I have been completely deprived of access to my own funds. This has caused severe financial hardship, stress, and disruption to my ability to meet essential living expenses and financial obligations. It is unacceptable for a financial institution to restrict access to a customers lawfully deposited funds without notification, transparency, or a clear resolution timeline. 
Despite my attempts to seek clarification, I have not received a sufficient explanation for the closure or a definitive timeline for when my remaining balance will be released. This lack of communication and accountability is deeply concerning.

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 2026-02-17 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: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
My card was lost or stolen and then used at a atm and now my bank is denying the dispute its my secured credit card to I thought my money was safe they say its because of my pin but my pin is the last 4 of the card because its the only way I could remember man I have stopped doing that since but my bank told me my money was 100 % safe not 90 % not 0 % im so confused this is literally a whole weeks pay down the drain.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: CA

Complaint narrative:
On XX/XX/year>, I rented a vehicle from XXXX ( XXXX ). I returned the car in good condition on XX/XX/year>, at XXXX XXXX. At that time, I received an official final receipt from the original creditor showing a {$0.00} balance for new damage. 
Subsequently, the creditor alleged damage and transferred the case to Viking Client Services, a debt collector. I have formally disputed this debt under the FDCPA, as the evidence provided is insufficient and contradictory : 1. Lack of Identification : The two closeup photographs provided by Viking fail to show the vehicles license plate or VIN, making it impossible to verify the damage belongs to the car I rented. 
2. Timeline Discrepancy : The metadata for these photos indicates they were taken at XXXX XXXX the following dayapproximately XXXX hours after I surrendered the car and it left my care and custody. 

I have requested, but not received, the following critical validation documents : 1. Photos linking the damage directly to my rental ( showing the VIN/Plate ). 
2. The staff-generated final inspection report from XXXX XXXX on XX/XX/XXXX. 
3. Utilization/storage logs for the XXXX gap between return and the photos. 

Despite these unresolved discrepancies, Viking Client Services continues to pursue a claim ( originally {$760.00}, recently reduced to {$610.00} ) without providing the required verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payments Demand for Deletion and Proof of Permissible Purpose To : Experian , Equifax, and TransUnion CC : Consumer Financial Protection Bureau ( CFPB ) I am submitting a formal dispute under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable 15 U.S.C. consumer protection laws regarding inaccurate late payments reporting on my consumer reports. 
Accounts : XXXX XXXX {$100000.00} Late payments reported : XX/XX/XXXX ; XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX {$78000.00} Late payments reported : XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX You are reporting derogatory payment history without providing proof that : you had a permissible purpose to publish this information ( 15 U.S.C. 1681b ) the information meets maximum possible accuracy standards ( 1681e ( b ) ) a reasonable reinvestigation has been performed ( 1681i ( a ) ) the furnisher certified accuracy ( 1681s-2 ) I demand the following : Full Method of Verification under 1681i ( a ) ( 6 ) ( B ) ( iii ) including : original contractual agreement bearing my signature complete payment history ledger evidence of delinquency calculation furnisher certification of accuracy proof of lawful permissible purpose Immediate deletion of all disputed late payments listed above if documentation can not be produced. 
Correction to Paid as Agreed for each affected month across all reporting agencies. 
Failure to provide documentary evidence constitutes unverifiable information and requires deletion under federal law. Continued reporting without validation will be considered willful non-compliance subject to civil liability under 15 U.S.C. 1681n and 1681o. 
Please complete reinvestigation and confirm corrections in writing. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payments Demand for Deletion and Proof of Permissible Purpose To : Experian , Equifax, and TransUnion CC : Consumer Financial Protection Bureau ( CFPB ) I am submitting a formal dispute under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable 15 U.S.C. consumer protection laws regarding inaccurate late payments reporting on my consumer reports. 
Accounts : XXXX XXXX {$100000.00} Late payments reported : XX/XX/XXXX ; XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX {$78000.00} Late payments reported : XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX You are reporting derogatory payment history without providing proof that : you had a permissible purpose to publish this information ( 15 U.S.C. 1681b ) the information meets maximum possible accuracy standards ( 1681e ( b ) ) a reasonable reinvestigation has been performed ( 1681i ( a ) ) the furnisher certified accuracy ( 1681s-2 ) I demand the following : Full Method of Verification under 1681i ( a ) ( 6 ) ( B ) ( iii ) including : original contractual agreement bearing my signature complete payment history ledger evidence of delinquency calculation furnisher certification of accuracy proof of lawful permissible purpose Immediate deletion of all disputed late payments listed above if documentation can not be produced. 
Correction to Paid as Agreed for each affected month across all reporting agencies. 
Failure to provide documentary evidence constitutes unverifiable information and requires deletion under federal law. Continued reporting without validation will be considered willful non-compliance subject to civil liability under 15 U.S.C. 1681n and 1681o. 
Please complete reinvestigation and confirm corrections in writing. 
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 non-monetary relief