vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
On XX/XX/year>, I paid {$690.00} for a trading-related service from XXXX that included ongoing access to a private XXXX  community and support. XXXX  access was advertised as a core component of the service and described as the primary channel for support, communication, and announcements. 

Although I initially received access, my XXXX access was later revoked without explanation and never restored, before the service period ended. As a result, I paid for a service that required ongoing XXXX access and support, but that access was revoked without explanation and never restored. In addition, advertised support was not provided, leaving me unable to receive the core components of the service. 

I made multiple good-faith attempts to resolve this issue directly with the merchant. I contacted XXXX XXXX XXXX provided my XXXX username, attempted to rejoin using links they supplied, followed up through chat and email, and ultimately requested a refund after the issue remained unresolved. Despite these repeated attempts, the merchant did not restore access or issue a refund. 

I then disputed the charge with Capital One and submitted documentation including proof of purchase, screenshots showing revoked XXXX access, failed invite links, and records of my attempts to resolve the issue with the merchant. Capital One later closed the dispute stating that my submission lacked required information, without specifying what information was missing or addressing the evidence provided. 

As a result, I was charged for a service that was not delivered as advertised and was left without a resolution despite extensive documentation and repeated efforts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I did not opt in for overdraft protection so when my mortgage payment tried to go through they denied it for insufficient funds. That was fine because I don't have overdraft protection. Now for some reason they let a few charges go through with insufficient funds. Why, those charges should not be charged since the money isn't in the account. So I call and try to correct this problem and it's not working. Then they let more charges go through with a negative balance and no overdraft protection. I don't understand why they would allow me to turn down the overdraft protection if they were going to force me into the contract anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
XX/XX/XXXX a check for {$8600.00} check number was cut from my credit union certified check to pay off my best bank account XX/XX/XXXX the check was mailed certified XX/XX/XXXX I sent copies of the check and a letter saying the check was mailed XX/XX/XXXX from my bank certified check with an incomplete account number. Please respond if you have found this check and provided them with a check number or please give me an indemnity contact for my bank so an indemnity agreement can be signed so they can send a new certified check. On the phone theyre all nice. They say theyre gon na take care of it and they dont ever get back to me. They dont get back to my emails. They dont get back to my phone calls. Meanwhile, theyve charged me XXXX additional dollars and interest in one month when I couldve already sent them a replacement check by now. I asked for for balance while were waiting to find out what happened to the certified check as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 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: FL

Complaint narrative:
On XX/XX/year>, I was shopping in XXXX and purchased several T-shirts totaling XXXX MXN ( approximately {$30.00} USD ). The cashier attempted to process my card multiple times but indicated that it was being declined. As a result, I paid for the purchase in U.S. cash. 

Upon reviewing my credit card statement, I discovered multiple charges of {$530.00} related to this transaction. I contacted Discover to report the issue, and they reversed all but one of the charges, asserting that the remaining charge is valid. Despite explaining the circumstances, Discover has refused to remove the charge. 

The remaining charge is incorrect for two reasons : first, the purchase amount was approximately {$30.00} USD, not {$530.00} USD ; and second, the transaction was ultimately paid in cash, so no charge should appear on my credit card. Discover has declined to correct the currency conversion or remove the remaining charge from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX handling of a personal loan and a XXXXXXXX XXXX XXXX XXXXXXXX XXXX product sold in connection with that loan. After I was involuntarily terminated from employment, I attempted in good faith to activate the unemployment insurance coverage I had purchased. OneMain Financial and its XXXX XXXXXXXX initially misclassified my unemployment claim as a XXXX claim, which resulted in improper requests for medical documentation during an active XXXX litigation period. 

This misclassification was acknowledged during a recorded call, yet no corrective action was taken. As a result, my insurance claim has been delayed for approximately XXXX months. During this period, XXXX failed to place my account in appropriate accommodation or suspense status, continued assessing interest, and misapplied funds I provided with clear intent to cure delinquency. Other institutions reviewing the same documentation found it sufficient, yet XXXX continued to assert it was not. 

When I attempted to resolve these issues, I was repeatedly transferred between departments, given inconsistent guidance, and ultimately issued a cease-and-desist letter instead of receiving substantive remediation of the underlying errors. I am requesting correction of the misapplied funds, proper processing of the unemployment insurance claim based on the documentation already provided, and written confirmation of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I am a senior consumer and a victim of identity theft. Three collection accounts were fraudulently opened and reported on my credit report. I did not open, authorize, or benefit from these accounts.

A police report was filed with the XXXX XXXX Police Department in XXXX regarding this fraud ( case number available upon request ). After notifying the collection agency and disputing the accounts as fraud, the accounts have not been removed. 

The fraudulent accounts include : A collection account opened in XX/XX/XXXX for approximately {$540.00} A collection account opened in XX/XX/XXXX for approximately {$640.00} A collection account opened in XX/XX/XXXX for approximately {$11000.00} I submitted disputes identifying these accounts as identity theft and provided supporting documentation. Despite this, the inaccurate information continues to be reported.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies and furnishers are required to block and remove information resulting from identity theft. The continued reporting of these accounts is causing ongoing harm.

I am requesting immediate removal of all fraudulent accounts and written confirmation that the information has been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
The company continues to call my parents home and attempt to contact me daily. They call very early in the morning from multiple phone numbers. When asked about their company name, they refuse to provide any information. They have been informed to stop calling but continue to make repeated harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Capital Recovery, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding Fairway Capital Recoverys handling of a disputed debt and identity theft claim. 

I disputed this account in writing and notified Fairway Capital Recovery that the identifying addresses reflected in their records are not associated with me and are connected to an identity theft incident involving my personal information. I requested proper validation of the alleged debt and proof that Fairway Capital Recovery has legal authority to collect it. 

In response, Fairway Capital Recovery provided only copies of invoices and internal account summaries. They did not provide any signed contract, membership agreement, or other document establishing my personal liability. They also failed to provide documentation demonstrating that the alleged debt was legally sold, assigned, or otherwise transferred to them. The materials contained inconsistent creditor information and relied on disputed addresses that were previously identified as inaccurate. 

After I notified Fairway Capital Recovery that their response was insufficient and reiterated the identity theft issue, they repeatedly requested that I contact them by telephone rather than responding in writing. I declined and requested written communication only. 

My formal written dispute and identity theft notice was sent on XX/XX/year>2025. Since that time, Fairway Capital Recovery has failed to respond at all. They have not provided proper validation, corrected the identity discrepancies, or confirmed closure of the account.

Prior to my dispute, Fairway Capital Recovery was reporting this account to consumer reporting agencies. That reporting stopped after my written dispute, which further indicates an inability to verify the account.

Fairway Capital Recoverys failure to respond to a formal dispute, failure to investigate identity theft, reliance on insufficient documentation, and attempts to pressure telephone contact instead of providing written validation raise concerns under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and applicable state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In XX/XX/XXXX while on a cruise in another country. Our account was hacked a plane ticket was purchased and in flight internet was used and cell bill was paid to a cell company we don't use along with other stuff that was not authorized. 

Navy federal keeps denying the claims and the last complaint yall closed before anything was settled. At this time we are consulting a attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: CITIBANK, N.A.
State: NE

Complaint narrative:
My original dispute was on was on XXXX for {$30.00} for cash back to my credit card used for the payment on XXXX. I was supposed to receive the cash back by XXXX. I reached out to merchant through XXXX to contact merchant no response from merchant. XXXX said I needed to reach out to my credit card bank to dispute. I opened dispute with bank. Bank issued a credit for {$30.00} and resolved the dispute on XXXX. When I went to use my software instance it said it was not longer valid. It was an instance valid thru XXXX. My instance was canceled and no longer valid. I reached out to the merchant and on XXXX for a refund for a refund on canceled instance. I received a response : XXXX  ( XXXX  Customer Support ) XX/XX/2026, XXXX XXXX Hi XXXX, Thank you for your message. If the refunded amount is not showing in your XXXX account, we kindly ask you to contact XXXX directly, as they will be able to provide you with detailed information regarding the status of your refund. Thank you very much for your understanding. Sincerely, XXXX XXXX XXXX Customer Support For further assistance, explore our Help Center. I reviewed mu XXXX account no refund and my credit card bank no refund. I opened a new dispute with bank for {$98.00}. the dispute was denied and was referred back to merchant.

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 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Houston Finance Co.
State: TX

Complaint narrative:
I had applied for a loan with the company and they had approved me. I submitted all my documentation bank, stubs references, check stubs and everything that they asked to verify once they got all the documents. They said they would take a look at it. They then started calling my job, which I gave them multiple options of where to call. They said that they couldnt verify that I live on site when I do live on site so I asked who did they speak with in the company because my supervisor hadnt heard from them they said they couldnt give me a name but that they were not gon na move forward with the application which I was using the funds for a funeral expense so it kind of frustrated and I asked hey can I go ahead and submit anything else so that you guys can have proof even though Ive already submitted a few things she said yes and then she said oh no, never mind. We will not be able to go forward because they just didnt want to deal with me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> CREDIT CONTROL , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX RE : Account Number : XXXX NOTICE OF PRIVATE CONTRACT & DEMAND FOR PROOF To Whom It May Concern, This letter serves as formal notice that I do not recall entering into any lawful, binding, or enforceable contract with your company regarding the above-referenced account.

Under applicable state and federal contract law, a valid contract requires mutual assent, full disclosure, consideration, and a verifiable signature of the alleged debtor. To date, no such evidence has been provided.

Accordingly, I hereby request the following : A true, signed, and dated copy of the original contract or agreement bearing my wet-ink signature.

Full proof of your legal standing, authority, and ownership of the alleged account.

A complete accounting of the alleged debt, including how the amount was calculated.

Documentation showing a valid chain of custody if the account was sold, transferred, or assigned.

This is a private contract matter. Failure to provide the requested documentation within 30 days shall be construed as your agreement that no valid contract exists and that you have no lawful claim.

Any continued collection activity without providing the requested proof may constitute harassment and violations of applicable consumer protection laws. 
This correspondence is sent without prejudice and with full reservation of all rights. 
Sincerely, 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 explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I am reporting identity theft and inaccurate information appearing on my consumer report. I discovered the fraud in XX/XX/XXXX. The fraudulent activity includes multiple accounts/loans opened and hard inquiries made without my authorization. I filed an FTC Identity Theft Report on XX/XX/XXXX to document the crime and support my dispute. 

Identity Theft Report XXXX Fraudulent accounts/loans opened without my permission ( with dates and amounts ) : XXXX  ( credit card XXXX : fraud began XX/XX/XXXX, discovered XX/XX/XXXX, total fraudulent amount {$1200.00}. 

Identity Theft Report XXXX XXXX XXXX ( utility account ) : fraud began XX/XX/XXXX, discovered XX/XX/XXXX, total fraudulent amount {$910.00}. 

Identity Theft Report XXXX Global Lending Service ( auto loan/lease ) : fraud began XX/XX/XXXX, discovered XX/XX/XXXX, total fraudulent amount {$18000.00}. 

Identity Theft Report XXXX XXXX XXXX XXXX XXXX auto loan/lease ) : fraud began XX/XX/XXXX, discovered XX/XX/XXXX, total fraudulent amount {$18000.00}. 

Identity Theft Report XXXX Unauthorized hard inquiries listed on my report ( dates shown ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Identity Theft Report 2 Actions taken/ what Im requesting : I am disputing these items as identity theft and requesting that the companies involved investigate and remove/close all fraudulent accounts and delete the unauthorized inquiries, stop any collection/negative reporting tied to these accounts, and provide written confirmation that the items were removed as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have never made a purchase, requested a balance transfer, or opened a PayPal Credit account. I did not authorize this transaction, nor did anyone authorized to use my account make this purchase or balance transfer. 

Neither I nor anyone authorized on my account received any goods or services associated with this transaction. It appears that my credit information was used fraudulently to open a PayPal Credit account and complete a balance transfer in the amount of * * {$320.00} * * without my knowledge or consent. 

I contacted the vendor to request a refund, but I did not receive any response. Because the transaction appears to involve counterfeit or illegal products and an unauthorized PayPal Credit account, I am unable to resolve this matter directly with the vendor. 

I am formally disputing this charge and the unauthorized PayPal Credit account. I request that this matter be fully investigated, the charge of * * {$320.00} * * be removed, and the PayPal Credit account be closed immediately. 

* * Reference Number : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation