vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 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: GA

Complaint narrative:
I recently applied for a loan, and I was made aware of this account on my credit report. I have never applied for credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> All above inquires and accounts are actions of fraudeulent activity. Please remove from my credit reports.

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I'm a XXXX XXXX XXXX XXXX I had spoken with a representative who was being actively deceptive in providing me a quote to conduct a wire transfer. She provided XXXX different total sums to be deducted from my account for the same transfer. When I called a few hours later, they were unable to provide details and flatly stated that the total was increased by {$4000.00}. When asked about the change, the different representatives and managers were unable to provide a consistent answer, and kept transferring me around their phone tree over the course of XXXX hours. The XXXX hours delayed and prevented my wire from being sent the day it was supposed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Capital Solutions, LLC
State: NE

Complaint narrative:
this debt is the result of identity theft. I do not recognize this account and did not authorize any transactions associated with it. This letter serves as a formal dispute of the debt under the Fair Debt Collection Practices Act ( FDCPA ) and a notice of identity theft under the Fair Credit Reporting Act ( FCRA ). Please be advised that I am in the process of documenting this identity theft and may file reports with the Federal Trade Commission ( FTC ) and local law enforcement. I am keeping detailed records of all communications. Any continued attempt to collect on a debt resulting from identity theft without proper verification may constitute a violation of federal law. I expect written confirmation that this matter is being investigated and that collection efforts have ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my researchCREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Subject : Venmo Fraud Dispute Incorrect {$2500.00} Debit and Account Freeze I am submitting this complaint regarding a fraud incident and subsequent account error involving my Venmo account. On XX/XX/year>, my Venmo account and linked bank account were taken over by a scammer. I was locked out of both accounts and had no access. During this time, two unauthorized transactions occurred, including {$1600.00} that was in my Venmo account. Within approximately one hour, an additional was transferred into my Venmo account via XXXX from my bank account that was unauthorized as well without my knowledge. I did not authorize this account or the transfer. On XX/XX/year>, I discovered the fraud and immediately contacted my bank. They froze my accounts, secured my online banking, and initiated a fraud investigation. I also filed reports with IdentityTheft.gov and XXXX and provided all documentation to Venmo, including bank statements and fraud reports. I filed disputes with both my bank and Venmo : The {$1600.00} unauthorized transaction was confirmed as fraud. The {$2500.00} transfer appears to be an erroneous or duplicate credit resulting from the account takeover. Although I was informed that my disputes were resolved in my favor, Venmo later reversed {$2500.00} from my account, claiming I owed this amount. This reversal appears to be based on the duplicate credit, not a legitimate debt. As a result : Venmo removed the {$1600.00} that was previously credited back to me. My account is now frozen with a negative balance of approximately {$900.00}. This outcome is incorrect. The {$2500.00} transfer was not authorized by me and is apart of the fraud incident and Venmos system error. I have already provided proof from my banks fraud department and my identity theft reports supporting this. I have requested escalation to a Venmo fraud supervisor but have not received a person 's response. I am requesting a full review of my case and correction of this error. Thank you for your time and assistance in resolving this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: MA

Complaint narrative:
On XX/XX/year>, I initiated a purchase for {$63.00} through a XXXX link for a merchant identified as XXXX. I have since identified this transaction as the definitive source of a data breach. I never received the products I paid for, and upon further investigation, I confirmed the merchant was a fraudulent scam entity. This breach led to my card data being cloned. Local law enforcement has informed me that because I frequently use XXXX XXXX, the physical card in my possession was likely duplicated via the data skimmed during that initial fraudulent XXXX transaction. Following this breach, XXXX unauthorized transactions were processed on my account : {$99.00} at a XXXX in XXXX, MA on XX/XX/year>, and another {$99.00} at a XXXX in XXXX, MA on XX/XX/year>. I reported these immediately, yet the bank has consistently denied my claim based on the " presence of an XXXX chip '' and the fact that the card was in my possession. These reasons are technically irrelevant in a case of card cloning. To prove the fraud, I went above and beyond my duties as a consumer and contacted Target Loss XXXX. They confirmed via surveillance footage that an individualwho was not mephysically used a cloned card to purchase XXXX XXXX XXXX gift cards, which is a high-level indicator of a laundering scam. Despite this evidence, the bank has continued to victim-blame me, citing " frequent logins '' to my own banking app as a reason to deny the dispute. The banks investigation has been negligent ; they have repeatedly ignored a formal Police Call Report ( Incident XXXX ) from the XXXX Police Department XXXX claiming it is insufficient documentation. Most egregiously, during a phone consultation on XX/XX/year>, a bank representative explicitly stated, " I understand that you did not authorize these purchases at XXXX ; however, because you did not provide information and verify communication between you and the merchant, we can not reverse the decision. '' By the bank 's own admission, they acknowledge that these transactions were unauthorized. Under Regulation E ( 12 CFR 1005.11 ), once a bank determines an error has occurredor acknowledges that a transaction was unauthorizedthey are legally mandated to correct that error. The banks demand that I provide " communication logs '' with XXXX is a bad-faith requirement ; I was never the customer in those transactions, the fraudster was. It is impossible to provide " communication '' for a purchase I did not make. I am now filing this formal report to compel the bank to follow federal law, acknowledge the evidence of cloning confirmed by XXXX XXXX XXXXXXXX, and immediately restore my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NE

Complaint narrative:
this debt is the result of identity theft. I do not recognize this account and did not authorize any transactions associated with it. This letter serves as a formal dispute of the debt under the Fair Debt Collection Practices Act ( FDCPA ) and a notice of identity theft under the Fair Credit Reporting Act ( FCRA ). Please be advised that I am in the process of documenting this identity theft and may file reports with the Federal Trade Commission ( FTC ) and local law enforcement. I am keeping detailed records of all communications. Any continued attempt to collect on a debt resulting from identity theft without proper verification may constitute a violation of federal law.

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 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery Associates confirmed a settlement payment of {$210.00} scheduled for XX/XX/XXXX. This payment was never processed, and no debit was made despite sufficient funds. Despite this, PRA issued a new collection letter dated XX/XX/XXXX demanding {$310.00}, without addressing the confirmed payment. At the same time, the account is reported to credit bureaus as closed XX/XX/XXXX with a balance of {$0.00}. There is clear inconsistency between PRA 's internal records, credit reporting and collection activity. I have attached documentation supporting each statement above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am filing a complaint against National Credit Adjust regarding a collection account they are reporting on my credit file. I previously disputed this account, and it was marked as verified. However, I have not been provided with adequate documentation proving that I am legally obligated for this debt. As a debt buyer, National Credit Adjust is required to provide proof of assignment from the original creditor ( XXXX ), a copy of the original agreement, and a full accounting of the balance. To date, this information has not been provided. Additionally, there are inconsistencies in the reporting of this account, including questionable account terms and incomplete payment history, raising concerns about compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation and removal of this account from my credit report if proper validation can not be provided. If this account continues to be reported without proper validation, I will consider further action for violations under FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
CFPB Complaint Letter Xact Lending Practices To the Consumer Financial Protection Bureau, I am submitting this complaint regarding the lending practices of Xact, whose interest rate policies, fee structures, and disclosure practices appear to violate the principles of fair, transparent, and responsible lending. Based on my experience, Xact charged extremely high interest rates that made it nearly impossible to reduce the principal balance, even with consistent on time payments. A significant portion of each payment was allocated almost entirely to interest, resulting in minimal or no reduction of the actual loan balance. This structure creates a long term debt trap that is inconsistent with responsible lending standards. In addition, Xact applied unexpected fees that were not clearly disclosed at the time of origination. These fees substantially increased the total repayment amount beyond what any reasonable borrower would anticipate. When I sought clarification, customer service provided incomplete, vague, or evasive explanations, making it difficult to understand how the charges were calculated or justified. These practices raise serious concerns regarding : Transparency of loan terms and disclosures Accuracy and clarity of APR and fee representations Potential unfair, deceptive, or abusive acts or practices ( UDAAP ) Whether borrowers are provided with sufficient information to make informed financial decisions The combination of excessive interest, opaque fee structures, and poor disclosure suggests that Xacts lending model may be causing significant consumer harm, particularly to individuals seeking financial assistance during periods of hardship. Instead of providing relief, the structure of these loans appears designed to maximize revenue through prolonged indebtedness. This raises a broader concern about the marketplace : Should lenders be permitted to impose terms that effectively trap borrowers in cycles of debt, with limited transparency and limited ability to meaningfully reduce principal? These practices undermine consumer financial stability and contradict the standards of fairness and accountability that the CFPB is tasked with enforcing. I respectfully request that the CFPB investigate Xacts lending practices, including : Interest rate calculations Fee disclosures and timing Allocation of payments between interest and principal Compliance with federal consumer protection laws Potential UDAAP violations Thank you for your attention to this matter. I look forward to any actions the Bureau may take to protect consumers from predatory or deceptive lending practices. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NH

Complaint narrative:
XXXX took 27 minutes and 4 people to cancel my Affirm account, even though I had never used it for anything.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: FC HoldCo LLC
State: TX

Complaint narrative:
They came back on some XXXX that I signed before I went to go pick up my personal items. I did not sign anything at XXXX XXXX. I signed it at the auction and when I was at the auction, I went to XXXX XXXX. I didnt initial nothing at XXXX XXXX because I refuse to because they didnt have my XXXX so how can I get all my other stuff back but my stereo equipment still is missing. I dont get this. Everything else is returned to me but my stereo equipment so you mean to tell me they get to keep my stereo equipment when I pay to pick up my car and on recording pull the recording before this was even mention about picking my stuff up. I said that I was gon na sell my stereo equipment to make my car payment pull up the recording. This is crazy. They dont want to return something that belongs to me, but everything else was returned but valuable stereo equipment. XXXX not taking a note for an answer and XXXX not gon na settle for this. Even the guy showed me pictures of my stereo in my back trunk and the guy in XXXX was stuttering and sweating and he wouldnt even look me in the eye and he even said he deals with stereo equipment so he knows how I feel. That document was signed at the auction not when I went to pick up my personal items

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I attempted to make a cash deposit of {$300.00} at the Citibank drive-through ATM located at XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX put the money in the machine account of the money correctly on the screen. I confirm the deposit via touchscreen after that I got no receipt or balance info on the screen. All I was able to receive was my debit card back didnt get much information other than they will have to count the funds in the ATM after they determine that the machine did indeed get jammed. I believe they will issue my funds back but they told me thatll take up to 10 days its been XXXX days already and I really need my money now and actually this is the second time this has happened to me but Last time it happened it was a smaller amount and I got it back the next day. I dont understand whats taking so Long I am unemployed right now I dont have any money that money was money borrowed from my grandfather to fix my vehicle. I really need the bank to give me my money back. Its been other numerous small problems. Unrelated to this with this bank as well And pretty much the reason I am submitting this complaint to you guys at this time

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Conduent Incorporated
State: OK

Complaint narrative:
On XX/XX/year>, I contacted the Oklahoma XXXX ( XXXX ) for assistance with my unemployment benefits not being transferred to my direct deposit checking account. I had enrolled into direct deposit with the GoProgram, hosted by Conduent, on their mobile app on the week of XX/XX/XXXX. My ID and personal identification was verified to my knowledge. The XXXX stated that the GoProgram was missing ID verification in order to complete my direct deposit, and to email XXXX about my missing ID verification with subject line ACH, and then ended the call without resolution. I am unsure of what information I need to provide now and I am missing my unemployment benefits.

Company response to consumer: Closed with explanation