vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX charged us XXXX x {$15.00} = {$75.00}. There were double charges ( XXXXXXXX XXXX XXXXXX/XX/XXXX ), even after my daughter canceled and customer service does not respond with assistance and used scare tactics XXXX. I canceled/closed that XXXX card account so they dont charge us anymore. I am worried they will continue to bill us wrongfully as they have done already. They do not respond properly/professionally to our emails, calls, and XXXX XXXX requests to help. In XXXX emails they used scare tactics ( see email from XX/XX/XXXX & XX/XX/XXXX ), but do not help to resolve the issue. Daughter bought the program in XX/XX/XXXX to try it, saw it had problems and she did not get proper help with questions she emailed ( they offer no phone help ) that seemed AI created and felt it was a poor quality, faulty program that MISREPRESENTED its ability to help her with her XXXX exam, emailed the company for help, they did not help, she cancelled XX/XX/XXXX, and yet they charged XXXX card XXXX in XXXX and XXXX, even after saying they XXXX the account due to our XXXX card dispute. XXXX sent an email requiring we remove the dispute and with scare tactics but would not refund us. I found evidence online that they are a SCAM company with fake/robot accounts. Then, they used a scare tactic XXXX with grammatical errors and wording that made no sense either, instead of helping us : As per our privacy policy we have been tracking the IP address and location of the user made the purchase/accessing the product. This will be sent for investigation regarding who is accessing this account. If an inaccurate dispute or fraud is detected, the accessing person may face civil and/or criminal penalties. Please replenish the account to proceed forward if you think this was not a dispute raised by you. Once the payment is received, your account will be reactivated. You can immediately call your bank and remove the dispute if you have accessed this account. XXXX XXXX Support Their answer to us requesting help from a supervisor did not make sense. How can you replenish a DISABLED account without the help of customer service? How can I not know who raised the dispute? There is no way to pay on a disabled account anyway and also they double charged in XXXX and XXXX so they stole our money for no program usage. Their answer makes no sense. Please help them stop scamming people. Return our {$75.00} for all charges XX/XX/XXXX to XX/XX/XXXX. To respond professionally to people and help them, not ignore and not use scare tactics, and to not keep charging.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-03-23 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: Paypal Holdings, Inc
State: TN

Complaint narrative:
am reporting an unauthorized debit card transaction of {$290.00} from XXXX that I did not make or authorize. I notified my bank after discovering the charge, but my dispute was denied. The banks reasoning was that the transaction used the available balance in my account shortly after funds were deposited, suggesting that the person who made the transaction had knowledge of my account balance. This is not valid proof that I authorized the transaction. Account balances can be accessed through mobile apps, notifications, or other means and do not require authorization to view. The use of available funds does not demonstrate that I made or approved this charge. I have clearly stated that I did not authorize this transaction, and the bank has not provided any evidence such as XXXX address, device information, or transaction location linking this activity to me. I am requesting that the bank conduct a proper investigation and provide all evidence used in their decision. If they can not show that I authorized this transaction, I am requesting a full refund. I reported this transaction promptly after noticing it. I have never made a purchase with this merchant before. I did not give anyone permission to use my card or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I canceled my XXXX subscription on XX/XX/year> I was charged {$38.00} for a yearly subscription. I then contacted Cash App to let them know that it was a fraudulent charge, Cash App let me know that it was not fraud & that they would not refund my money. I then appealed I was told again that I was not entitled to a refund & they will not discuss this with me again. So I contacted you to see if I can get my money back that was charged due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer using XXXX from the United States to a XXXX XXXX XXXX XXXX XXXX. I entered the correct routing number and correct account holder name, but I accidentally made an error in one digit of the account number. Details of the transfer : Date sent : XX/XX/year> Sender : Me ( via XXXX ) Intended recipient : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX ( XXXX ) Receiving bank / correspondent bank : JPMorgan Chase Bank ( XXXX ) Error : XXXX incorrect digit in the beneficiary account number ( routing number and account holder name were correct ) When I realized the mistake, I immediately requested a recall of the transfer through XXXX on XX/XX/year>. Since then : XXXX informed me that the recall request was sent to JPMorgan Chase. However, XXXX has not received any clear response or action from JPMorgan Chase regarding the recall. XXXX is now threatening to close the recall case after 30 days have passed, even though I reported the error promptly and the funds are still unaccounted for from my perspective. My concerns : I do not know where my funds are currently being held ( at JPMorgan Chase as intermediary/receiving bank, or elsewhere ), and I have not received confirmation that the funds have been returned or properly applied. I believe JPMorgan Chase, as the receiving/correspondent bank, should be able to trace the funds and respond to the recall request initiated by XXXX. I am worried that, despite my prompt error report and XXXX recall initiation, the lack of response from JPMorgan Chase and the closure of XXXX recall after 30 days will leave me without my funds and without a clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXXXXXX regarding their attempt to collect and report an alleged debt that has not been properly validated. This account, originally associated with XXXX XXXX XXXX, is being reported on my credit report with a balance of approximately {$860.00}. I have made multiple attempts to address this matter, including sending a pay-for-delete request in XX/XX/year> and more recently requesting formal validation of the debt. As of this complaint, XXXX XXXX XXXXXXXX has not provided sufficient documentation to prove that this debt is mine or that they have the legal right to collect it. Specifically, I have not received a signed agreement, a complete account history, or proper documentation showing how the balance was calculated. Despite the lack of validation, XXXX XXXX XXXXXXXX continues to report this account to Experian as accurate and continues collection efforts. I believe this is a violation of the Fair Debt Collection Practices Act ( FDCPA ), as they are attempting to collect a debt that has not been properly verified and are reporting information that may be inaccurate or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I am filing a complaint regarding a vehicle purchase financed through OneMain Financial that involved a third-party warranty ( XXXX XXXX ) and the selling dealership. At the time of purchase, I was clearly informed that a warranty had been included in my loan and that repairs to my vehicle would be covered under that warranty. Based on this representation, I agreed to the financing terms and relied on the existence of this coverage. For approximately six months, I operated under the belief that the warranty was active and valid. During this time, the dealership referenced or performed repairs that were stated to be covered under the warranty. However, I later discovered that the warranty may not have been active, honored, or properly applied as originally represented. This raises serious concerns that I was misled into entering a financed agreement that included a product ( warranty ) that was either not valid, not honored, or misrepresented. Because the warranty was tied directly to my loan, this impacts the accuracy and fairness of my loan balance and terms. I have contacted OneMain Financial regarding this issue on XX/XX/2026, and was informed that the matter is under review. As of now, I have not received a resolution or full clarification. I have also requested documentation, including the warranty contract, claim history, and repair records associated with the warranty, but have not received complete information. I am seeking correction of my loan to reflect the true status of the warranty, including removal or adjustment of any charges if the warranty was not valid as represented. I am also requesting full documentation and a written explanation of how this occurred. This situation involves potential misrepresentation of a financial product tied to my loan and has caused financial concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I am disputing the accuracy of any missed payment reporting on this account. I made multiple good-faith attempts to pay my balance on time. My initial payments were declined due to an issue with how my bank account was processed ( savings vs. checking ), which was not clearly communicated to me by the companys system. Each time this occurred, I contacted customer service and completed payments manually using a debit card. During these calls, I was explicitly told that my account was current and that I was all set. Based on this information, I reasonably believed my account was in good standing and that no further action was needed. I was not clearly informed that prior payment attempts were considered unhonored in a way that would negatively affect my account or lead to closure. I also was not warned that my account was at risk of being closed despite my repeated efforts to resolve the issue and make payments. Because of this, any reporting of missed payments or delinquency would be inaccurate and does not reflect my actual payment behavior or intent. I made consistent, good-faith efforts to pay and relied on incorrect or incomplete information provided by the company. I am requesting a formal review of this account and a goodwill adjustment to ensure that no inaccurate negative information is reported to the credit bureaus.

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I am filing this complaint against Wheels Financial Group, dba LoanMart, specifically addressing the actions of their General Counsel, XXXX XXXX XXXX. In LoanMart 's response to the CFPB dated XX/XX/XXXX, the company claimed that a Letter Amendment for account XXXX was executed on XX/XX/XXXX. This statement is a material misrepresentation of the facts. Forensic evidence from XXXX XXXX ID XXXX proves that this document was not created or sent until XX/XX/XXXX. It was physically and technically impossible for the document to be executed on the date XXXX XXXX and LoanMart reported to a federal regulator. I did not view or sign this amendment until XX/XX/XXXX. The actual timeline shows that the document was backdated to XX/XX/XXXX to create a false account history. LoanMart demanded an upfront payment on XX/XX/XXXX for an agreement that did not exist yet. Furthermore, the company induced the signing of this modification on XX/XX/XXXX while simultaneously processing a charge-off effective XX/XX/XXXX. This led me to believe the loan was being rehabilitated when it had already been written off. These actions, overseen by XXXX XXXX, constitute deceptive and unfair practices. LoanMart accepted a payment of XXXX XXXX dollars on XX/XX/XXXX, several days after they deemed the account a charge-off. By misrepresenting the execution date to the CFPB, XXXX XXXX and LoanMart are attempting to hide the fact that they secured a signature and a payment under fraudulent pretenses. This is a clear violation of regulatory integrity and consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I opened account there was a signin bonus. Representetive called me and I asked him when I will receive and he said XXXX. I didnt receive anything today. When I call customer service they told me that will take 15 more days. So now have no money left on my bank account and dont know what am I gon na do?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: IN

Complaint narrative:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Western Management Consultants
State: TX

Complaint narrative:
This company has now sent me XXXX predatory emails saying I owe over {$5000.00} to a company that I never had a loan of even HALF that amount. This is illegal and I demand an investigation into both of these companies! XXXX Western management consultants XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer using Wise from the United States to a XXXX XXXX XXXX XXXX XXXX. I entered the correct routing number and correct account holder name, but I accidentally made an error in one digit of the account number. Details of the transfer : Date sent : XX/XX/year> Sender : Me ( via Wise ) Intended recipient : XXXX XXXXXXXX XXXX XXXX of origin : Wise ( XXXX ) Receiving bank / correspondent bank : XXXXXXXX XXXX XXXX XXXX XXXX ) Error : One incorrect digit in the beneficiary account number ( routing number and account holder name were correct ) When I realized the mistake, I immediately requested a recall of the transfer through Wise on XX/XX/year>. Since then : Wise informed me that the recall request was sent to XXXX XXXX. However, Wise has not received any clear response or action from XXXX XXXX regarding the recall. Wise is now threatening to close the recall case after 30 days have passed, even though I reported the error promptly and the funds are still unaccounted for from my perspective. My concerns : I do not know where my funds are currently being held ( at XXXX XXXX as intermediary/receiving bank, or elsewhere ), and I have not received confirmation that the funds have been returned or properly applied. I believe XXXX XXXX, as the receiving/correspondent bank, should be able to trace the funds and respond to the recall request initiated by Wise. I am worried that, despite my prompt error report and Wises recall initiation, the lack of response from XXXX XXXX and the closure of Wises recall after 30 days will leave me without my funds and without a clear explanation. I am attaching/ can provide : Wise transfer confirmation with date, amount, and intended recipient. Wise communications showing the recall request initiated on XX/XX/year> and the warning about closing the case after 30 days. I am asking CFPB to help ensure that both Wise and XXXX XXXX comply with applicable remittance transfer and error-resolution obligations and that my funds are either returned or properly applied to the correct account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: NC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT 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