vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On XX/XX/year>, I was browsing flights to XXXX through the XXXX app, which advertised payment plans. I was not ready to travel and did not have a passport. I believed I would be shown installment options before any payment was finalized. Instead, approximately {$1200.00} was withdrawn from my savings account without my authorization or clear warning. 

I never saw this purchase appear in the XXXX app. On XX/XX/year>, I contacted XXXX, and a representative told me they could see the transaction on their end but that the funds were taken directly by XXXX XXXX. Despite repeated attempts to resolve this with XXXX, XXXX XXXX, and my bank, no one provided a refund or usable ticket. After continuing to dispute the charge, my bank account was ultimately closed, leaving me even more frustrated and unable to access my funds. 

When I tried to use the ticket, I discovered my last name had been entered twice, making it unusable. I submitted my identification as requested, but later was told the ticket was suspended and could not be changed. I made multiple trips over XXXX hours round-trip each time to the airlines XXXX office XXXX but years later, I have still not received a refund, correction, or usable ticket. 

I have documentation of my communications and my repeated efforts to resolve this issue. The situation caused significant stress and hardship, and my repeated attempts to fix it became a medical concern due to a neurological condition that affects my vision mobility and causes significant pain.

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 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
We refinanced our auto loan with XXXX and was due a refund on Gap insurance. In the payoff letter it states we will be getting a refund. They sent pay off letter and title was issued to the other finance company in XXXX  and when i called XXXX dealer in XXXX  to get my refund they send the Gap to XXXX. I called them and they are trying to say that it belongs to them, I tried to explain that is not true we traded in several cars and got our refund and they would of never got this had I not requested from the dealer. They did a reversal and applied the Gap payment on our loan. And refuse to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Radius Global Solutions LLC

Complaint narrative:
They keep calling me for something I have nothing to do with. They call between XXXX and XXXX constantly. I have yelled at them, I have sworn at them, I have told them I hope they XXXX and XXXX. They don't stop.

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 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: KY

Complaint narrative:
I was lied to about a timeshare that was point based and roped into buying it. We paid XXXX dollars to them. When we returned home and tried to book a trip we could not. This was with XXXX XXXX  ( XXXX ). We asked to have the contract cancelled at that time and was told no. The XXXX was paid in full at that time. Then they changed the contract and lied to us about that and said that we owed them another XXXX which I refused to pay. Why would I give them that much money for something I can't use. So, we hired a company to get this taken care of and paid them XXXX and the drugged their feet for over XXXX years and did nothing. So, in the meantime, XXXX took back the points we had and sold our account to collection agency Concord Servicing Inc. They have listed it on my credit report with XXXX. I am trying to get a home refinanced, and this is preventing that from happening. I need this off of my report. I sent XXXX  a letter and they removed it from the report then turned around later and added it back on. They are not the original creditor. Can we get this mess removed for good?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A credit card account was opened in my name without my knowledge or autorization. 
i never apply for this account. i contacted Capital One multiple times to report this fraudolent account and requested details, closure, and removal from my credit report. 
despite my efforts, the issue has not been resolved. 
the account shows as closed in XX/XX/XXXX, but it is still being reported with a balance in XXXX, which is inaccurate and harmful. 
This has negatively affected my credit score and caused financial and emotional distress. 
I am requesting an immediate ivestigation, permanent closure of the fraudolent account, and full correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
My PayPal account was taken over by an unauthorized party in the middle of the night while I was asleep. An unknown device accessed my account, added new email addresses and phone numbers, and made unauthorized changes to my account security.

The unauthorized user then used my PayPal balance to purchase {$770.00} in XXXX cryptocurrency. Immediately after the purchase, they converted the XXXX to XXXX and transferred the funds out of my account to an external wallet in multiple transactions under {$100.00}. By the time I discovered the breach the following morning, my PayPal balance and the cryptocurrency purchased with it were completely gone.

I immediately contacted PayPal and spent hours attempting to speak with a representative. PayPal opened a fraud claim and later confirmed that the activity occurred from an unauthorized device and that the transactions were unauthorized. Based on this determination, PayPal approved a refund for the full amount of {$770.00}. 

However, PayPal later reversed this decision and stated that because the cryptocurrency had already been transferred out of my account by the unauthorized party, I would only be refunded {$1.00} of the {$770.00} that was stolen. PayPal has continued to rely on boilerplate language stating that refunds are contingent on cryptocurrency remaining in the account, despite acknowledging that this was an account takeover and that I did not authorize the transactions. 

I am disputing PayPals refusal to fully reimburse me for losses caused by unauthorized account access and fraudulent transactions. The funds were removed without my consent as a result of a security breach, and PayPal initially acknowledged this before denying reimbursement based on an internal crypto policy that should not apply to account takeover fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 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: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint regarding the reporting of a late mortgage payment by JPMorgan Chase and the banks failure to properly notify me using my correct contact information. 

I have been a longstanding Chase mortgage customer and have maintained a perfect payment history for the life of my loan. The XXXX payment was the only late payment I have ever had on this mortgage. The delay occurred during a period of significant and unexpected life events that temporarily disrupted my finances. I brought the account fully current in XXXX as soon as I was able. 

While I understand the payment became past due, my concern is with Chases handling of communication and the resulting negative credit reporting. 

Chase representatives informed me that outreach attempts were made prior to reporting the delinquency. However, the phone numbers they claim to have called are not my primary contact number listed on my account. I did not receive any phone calls or meaningful communication that alerted me to the urgency of the situation before the late payment was reported to the credit bureaus. 

Given my long and previously perfect payment history, and the fact that this was a one-time occurrence during an unusual hardship, I believe Chases reporting without effective communication was unreasonable and unnecessarily damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PLS GROUP, INC
State: IL

Complaint narrative:
On XX/XX/year>, I used my debit card to fund a domestic XXXX money transfer at PLS Check Cashers in the amount of {$6900.00}. The transaction was intended to send funds to a recipient through a money transfer service. 

The recipient never received the funds, and the money was not available as promised. The transfer service was not completed. 

I contacted the company to request confirmation of whether the transfer was paid out, the status of the funds, and when a refund would be issued. The company did not provide clear or written confirmation that the funds were delivered, nor did they issue a refund. 

Because the money transfer service failed and the funds were never delivered, I am seeking a full refund and written confirmation that the funds were not paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: ME

Complaint narrative:
Cash app has this thing called a green status where you either have a certain amount of money deposited a month or you spend a certain amount a month to continue getting overdraft protection and other benefits. Back in XXXX on XX/XX/XXXX they took it away I made a complaint with you guys they gave it back XXXX nothing happened but then again XX/XX/XXXX they took it away again where I did everything to qualify I also had {$3.00} left in my checking account which disappeared The only reason why there's anything in my checking account was because I deposited something in there to see if it would show up from another bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
XX/XX/XXXX XXXX XXXX est capital one is calling and refusing to identify who they are or what company is being represented. They refused to identify themselves for 8 minutes. When I asked directly which company was calling she only responded XXXX is calling. I understand the nature if the business can not be disclosed. However the company calling must be identified so that I can track if im being harassed or would like to make a complaint. Their company name doesn't appear and the numbers aren't always the same. Without identifying the company when asked I dont know if theyre calling me repeatedly or if its someone else. I wasted 30 minutes total trying to get information to make this complaint and they just passed the call around until someone hung up. I still never got the information needed to send them the paperwork to cease and desist calls as well as the complaint on misrepresentation of identity

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting and attempting to collect an alleged credit card debt they claim was purchased from XXXX XXXX. I dispute this debt and LVNVs legal right to collect or report it.

I have requested validation and proof of ownership through disputes, but LVNV has not provided competent evidence showing lawful ownership, a complete chain of title from XXXX XXXX, or documentation establishing that the amount reported is accurate and enforceable. No signed agreement or full account history has been provided.

Despite the dispute and lack of validation, LVNV continues to report this account to consumer reporting agencies. Reporting an unverified debt causes ongoing harm to my credit and does not meet the requirement for accuracy and reasonable investigation.

Additionally, I dispute the legality of the transfer and use of my nonpublic personal information. I have no record of receiving notice or an opportunity to opt out of the disclosure of my personal financial information to LVNV. Continued use and reporting of this information without proof of lawful transfer is improper.

I am requesting that LVNV either provide documented proof of lawful ownership and accuracy or cease collection activity and remove the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: APG Financial Inc
State: UT

Complaint narrative:
I am submitting this complaint to provide documentation and further detail regarding inaccurate and incomplete credit reporting by XXXX  related to an auto loan account furnished by APG Financial.

As shown in the attached XXXX  credit report screenshot, this account is reporting a balance that can not be verified. The tradeline lacks required details regarding the disposition of the vehicle, including whether the vehicle was sold, the date of sale, the sale price, credits applied, and a complete itemized calculation explaining how the reported balance was determined. 
Additionally, this account is not reporting on XXXX, resulting in inconsistent credit reporting across credit bureaus.

Despite these deficiencies, the account continues to be reported as verified. Reporting a balance without substantiating documentation and maintaining inconsistent bureau reporting violates the Fair Credit Reporting Acts requirement for accurate and verifiable information.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Product : Auto Loan or Lease Issue : XXXXilling Disputes / Repossession Company : Hyundai Motor Finance Complaint Narrative : Hyundai Motor Finance repossessed my vehicle on XX/XX/XXXX, following a transaction that began on XX/XX/XXXX. I was never provided a copy of the Retail Installment Sales Contract or complete Truth-in-Lending disclosures.

The account contains multiple billing errors and undisclosed charges that were never properly disclosed or authorized. These errors directly affected the amount Hyundai claims is owed.

After repossession, Hyundai issued a Notice of Intent to Sell that is legally defective. The notice : Does not state the amount required to redeem the vehicle Does not itemize any fees or charges Prevents lawful redemption Hyundai is attempting to proceed with repossession and sale based on inaccurate and undisclosed accounting. The vehicle has not yet been sold. 

I am requesting : A full written accounting of the alleged balance A copy of the Retail Installment Sales Contract and all disclosures Correction of billing errors Cessation of any sale activity until proper disclosures are provided Hyundais actions constitute improper servicing, billing errors, and unlawful repossession practices.

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 2026-02-04 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, an unauthorized online purchase was made using my Chase credit card through my XXXX  online account in the amount of {$490.00}. I did not place this order and did not authorize the transaction. My XXXX account was later determined to have been compromised, and the fraudster used my stored payment information to complete the purchase. 
The items purchased were picked up and immediately returned in person on the same day of the online purchase at a XXXX store, and the refund was issued as a XXXX store gift card rather than being credited back to my Chase card. I did not conduct the purchase, or the return, did not receive the merchandise, and did not receive, use, or benefit from the XXXX store gift card. 
I promptly reported the transaction to Chase. Chase initially issued a temporary credit while the claim was investigated. Approximately XXXX months later on XX/XX/XXXX. Chase reversed the credit and determined the transaction was authorized, stating that the email address on the XXXX account matched mine and that the compromise occurred at the merchant account level rather than my Chase account. 
I disputed this determination and explained that this was account takeover fraud. I contacted XXXX directly and was provided copies of the receipts but stated they could not confirm if identification was used for the pickup or return, they also could not give me details of the gift card issuance or redemption, or surveillance footage due to it being out of their 30 day range. 
I filed a police report after chase reversed the credit on XX/XX/XXXX and an IC3 identity theft complaint and provided the case information to Chase. Despite this documentation, Chase declined to reopen the fraud claim, stating that I should not have stored my Chase card on the merchants website and maintaining that I am responsible for the charge and must contact XXXX directly for credit. XXXX is stating I must contact Chase directly for credit. 
I did not authorize this transaction. I am disputing Chases determination that the charge was authorized and am requesting correction of the billing error

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was charged XXXX times on the same day for out of state charges. I did not receive any goods or services. This was clearly fraud. The credit card company was dismissive of my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Over XXXX months waiting for credit balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am writing to formally rebut the response provided by Santander XXXX USA on XX/XX/XXXX. While Santander frames this as a standard case of delinquency leading to repossession, their response fails to address the unique circumstances and legal protections that apply to my situation. The issue with their response and how it shows the faulty legality for grounds of termination are as listed below. 

1. Breach of Contract and " Holder Rule Protections - Santanders response states they are merely the finance provider, and not responsible for mechanical issues. However, my Retail Installment Sale Contract explicitly contains the FTC Holder Rule notice, which states : " Any holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller. '' That is why I reached out to them on behalf of XXXX selling me a defective vehicle that was in and out of the shop. They ultimately failed to take it back before repossession, I have a valid legal defense against the debt that Santander, as the holder, XXXX XXXX as the debt buyer are required to honor. 

2. Failure to Complete the Reinstatement Process Santander admits that a reinstatement process was initiated on XX/XX/XXXX. They claim the process failed simply because a " call was disconnected ''. It is unreasonable and a failure of good faith for a multi-billion dollar financial institution to terminate a consumer 's right to cure a default based on a technical phone issue without making a single attempt to call back and complete the determination. 

3. Inaccurate Credit Reporting Santander maintains that their reporting of this account as a " Charge off '' is accurate. I strongly disagree. Under the Fair Credit Reporting Act ( FCRA ), information must be both accurate and complete. Reporting a full charge-off while ignoring the fact that the underlying debt is disputed due to a breach of warranty by the seller ( XXXX ) is misleading to other creditors. 

4. Unusable Goods The delinquency cited by Santander ( 120 days past due as of XX/XX/XXXX ) occurred during the exact period the vehicle was inoperable and undergoing failed repairs. I was effectively being asked to pay for a vehicle I could not use. XXXX failure to provide a functional product directly led to the financial dispute that Santander has now labeled as a simple default.

Company response to consumer: Closed with explanation