vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 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: TX

Complaint narrative:
I am disputing approximately {$300.00} in charges labeled as XXXX XXXX XXXX XXXX XXXX XXXX  monthly transactions that were posted to my debit card. I did not authorize these charges and I do not have an XXXX XXXX XXXX  XXXX  account. Navy federal has not honored the fraud claim. 

Upon noticing the transactions, I contacted XXXX XXXX XXXX directly to investigate. XXXX XXXX XXXX confirmed that there are no prepaid or postpaid accounts, charges, or services associated with my name, phone number, or billing information. This confirmation establishes that the charges are not connected to any service I use and are therefore fraudulent. 

At all times during which these charges occurred, my card remained in my possession. The card was never lost or stolen, and I did not authorize any individual or merchant to use my card. I also did not receive any goods or services related to these transactions. 

I am unsure how my card information was compromised. It may have occurred through a data breach, an online transaction, or an unauthorized recurring payment set up without my knowledge or consent. Regardless of the source, I did not approve these charges and did not benefit from them in any way. 

Despite providing this information, my claim was denied and I have not been refunded the approximately {$300.00} taken from my account. Given that XXXX XXXX XXXX has confirmed the charges are not linked to me, and that I did not authorize or receive any services, the denial of my claim is unjustified. I am requesting that this decision be reconsidered and that the full amount be refunded, as these transactions meet the definition of unauthorized and 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 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am writing in response to your reporting of the above-referenced account on my credit report. This letter serves as a formal request for validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide the following : XXXX. The name and address of the original creditor XXXX. The original account number XXXX. The date the alleged debt was incurred XXXX. An itemized breakdown of the amount claimed, including interest or fees XXXX. Copies of any contract, agreement, or signed documentation bearing my signature XXXX. Proof that your company is legally authorized to collect and report this debt XXXX. Proof that the debt is within the statute of limitations Until such validation is provided, you must cease all collection activity and refrain from reporting or continuing to report this account to any credit reporting agency. 

This letter is not an acknowledgment of liability nor a promise to pay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage FHA CASE NUMBER : XXXX LOAN # : XXXX There is a data breach where attorney 's sent this loan company a letter stating that I had authorized them to act on my behalf to release information and to add them and other parties to my loan when I NEVER authorized this. The loan company released my financial infomation including my personal banking account number and routhing number along with my private personal residence address. 

This is fraud on the attorneys part and a serious data breach. I HAVE NEVER AUTHORIZED ANYONE TO BE ON THIS LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I called in today from XXXX number anbd spoke to XXXX in the XXXX and found out that I supposedly now have XXXX phone numbers, which in fact is not true. I now supposedly have a phone number that ends in XXXX on my landline which is not mine and again is now fraud. I received his text notification at XXXX XXXX. I called in from my cell XXXX. I was already verified by the XXXX when XXXX in the XXXX in the fraud dept got on the line. I gave him the name of the bank that i mostly pay my bills out of for both of my Am EX accounts. I verified my information and my home phone was not listed as my hm phone and was listed as my business number. My landline is XXXX and my cell is XXXX. The phone number that was suddenly listed on my account on my hm, which was not mine ended in XXXX. They refused to give me the entire number. XXXX refused to help me if I did not give him my ss again. I gave him the last XXXX digits of my ss number, and asked him to send me a verification to my cell of XXXX, which he refused. I gave him my last XXXX numbers of my ss as he should have been able to verify me by my XXXX account and payments made, cell and landline. He hung up. 

I then got on the line with the fraud dept and spoke to XXXX on XXXX and verified my ss number on the XXXX. He refused to ask me for my passcode and did not have my nickname on my account. At the same time, I called XXXX in the fraud dept and she also was able to hear my conversation with XXXX, althouhgh, it later disconnected during our call. XXXX and I stayed on the call. She stated that she could not provide that complete phone number. She asked if I received a text notification during our call, which I did not. I need this investigated again. My business acct ending XXXX and XXXX had someone else 's phone ending in XXXX on my account which was not mine. I want my my passcode asked every single time, which was not asked again today. 

I still have not received a letter for all my accounts which i opted out of voice imprinting since XXXX XXXX i have asked for it each and every time I call in since then for acct number XXXX, XXXX, and XXXX which transferred to a new number leavin a bill still on this acct.. They can not seem to keep my acct secure and private.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Complaint regarding Bank of America XXXX XXXX XXXX XXXX XXXXXXXX. 
I am a victim of deceptive business practices and price fraud at XXXX XXXX. I am formally appealing the banks decision dated XX/XX/year>. The bank incorrectly categorized this as a simple " merchant dispute, '' but this was an illegal solicitation and a bait-and-switch pricing scam. 
Sequence of Events : Misleading Offer : An unlicensed driver at XXXX approached me claiming to be an XXXX driver. He quoted a ride to XXXX XXXX for " no more than {$170.00}. '' XXXX XXXX : Upon arrival, the driver told me the final total was {$140.00}. Based on this verbal agreement, I authorized the payment via XXXX XXXX. 
The XXXX : I immediately discovered the actual amount processed was {$470.00}. When I requested a correction, the driver refused to refund the difference, citing that his " XXXX premium vehicle '' required a higher rate. I was forced to end the interaction and leave. 

Market Price Discrepancy : The standard market rate for a ride between XXXX Terminal XXXX and XXXX XXXX ( XXXX ), XXXX, typically ranges from {$80.00} to {$200.00}. The amount of {$470.00} is nearly XXXX  times the average rate and clearly constitutes price gouging and fraud. 
Evidence Provided : Verification of Ride : I have my Official Boarding Pass and XXXX XXXX  transaction records ( including GPS location and timestamp ) proving I was at XXXX and taken to the destination by this merchant. 
Police Evidence : I have already filed a formal report with the XXXX XXXX XXXX  ( XXXX ) regarding this illegal solicitation and fraud. 
Under Regulation E, an authorization obtained through deception of the final amount is NOT a valid authorization. Bank of America is scheduled to remove my temporary credit on XX/XX/year>. I request the bank to permanently credit the {$470.00}. 

IMPORTANT : Due to a throat illness, I am currently unable to speak and can not communicate over the phone. I request that all communication be sent in writing to my email or via this portal. Please provide a written response.

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 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing in response to your reporting of the above-referenced account on my credit report. This letter serves as a formal request for validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. XXXXg ). 

Please provide the following : XXXX. The name and address of the original creditor. 
XXXX. The original account number. 
XXXX. The date the alleged debt was incurred. 
XXXX. An itemized statement showing the full breakdown of the amount claimed, including any interest, fees, or charges. 
XXXX. Copies of any contract, agreement, or signed documentation showing that I am legally obligated to pay this debt. 
XXXX. Proof that your company has the legal authority to collect this debt and report it to the credit bureaus. 
XXXX. Proof that this debt has not exceeded the statute of limitations. 

Until you provide the requested documentation, you must cease all collection activity and refrain from reporting or continue reporting this account to any credit reporting agency. 

This letter is not an acknowledgment of liability nor a promise to pay. 

Please respond in writing within the time frame required by law. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an XXXX XXXX medical credit card account issued by Comenity Bank. 

At the time the account was opened through a medical providers office, the financing was presented as a no interest promotional option. Based on the explanation provided, I was under the clear impression that if the balance was not paid in full by the end of the promotional period, interest would begin accruing going forward, not that interest was accruing during the promotional period and would later be applied retroactively. 

It was not verbally explained to me that this was a deferred interest plan where interest accrued in the background and would be added retroactively if the balance was not paid in full by the deadline. I was not informed that missing the payoff deadline by even a small amount would result in a substantial amount of backdated interest being added. 

As a result, a significant amount of interest was later applied retroactively, causing the balance to increase far beyond what I reasonably understood or agreed to at the time the financing was presented. 

At or around the same time, my credit limit was reduced by approximately {$1600.00}, which immediately caused the account to report as over the credit limit, significantly worsening the credit impact. This limit reduction occurred without meaningful warning and compounded the harm caused by the retroactive interest. 

These actions placed significant and unexpected financial and mental stress on my household and caused direct damage to my credit profile. The credit harm associated with this account does not reflect my understanding or intent at the time the financing was agreed to, but rather the result of unclear disclosures, retroactive interest application, and account actions that materially worsened the impact. 

I believe these practices constitute unfair and deceptive lending, particularly in the context of medical financing, where consumers rely heavily on clear and accurate explanations of promotional terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: NC

Complaint narrative:
They have now charged me TWICE for a {$100.00} payment from XX/XX/year> that they are currently saying I have to pay AGAIN for them to take the hold off of my account. I have repeatedly shown proof from both my earnin and my bank accounts that that payment has been made twice. They continue to ignore this, send me in circles through the same people, and tell me I have yo pay it again. I finally told them I'm reporting this and they need to fix it on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Bank/XXXX and Comenity CapitalXXXX cards wer open under my name without my consent onXXXX. 

Charges were made in the amounts of Comenity BankXXXX for {$4200.00} Comenity CaptialXXXX for {$950.00} I did not open these cards or make these purchases

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Called Capital One XXXX times about a vendor who did not shipped item ordered. Asked them to charge back since this vendor is a scam. 

Capital One refused to protect their consumer insisted I need to contact the seller for refund. I have told them I have and did not get result. Capital one still denied my claim saying I have authorized the payment so I need to work with the seller. The seller is a fraudulent company since ignored my inquiries. 

I have contacted Capital One as my last option but they refused to help me to recover the {$220.00} cost of an item that the seller never shipped and could not produce a legit tracking number from an actual carrier such as XXXX, XXXX, XXXX XXXX etc. 
See below for details. 

On XX/XX/year> I have purchased a purse from a site XXXX ( XXXX  ) and used their XXXX to pay for merchandize. They sent me a generic tracking number to track items. It took XXXX days and it notified me the item was delivered but I did not find the item and I was home all day. I notified neimanstore and they weren't able to provide me evidence of delivered items such as pictures. They promised to send a replacement item via express but the " XXXX XXXX '' tracking they gave me took another XXXX days. On around the XXXX day, I checked the " after ship '' generic tracking at XXXX XXXX  in the morning it showed it was delivered that day at XXXX. Again no package, this is evidence of SCAM. The promised to resend within XXXX week but it took XXXX days but there is no delivery just an " XXXX XXXX  '' tracking which gets data from any feeder. 

" XXXX XXXX '' is not an actual package delivery company and could not provide evidence of product delivery to the address such as photos of packages to house. Research on XXXX discovered that this is a common scam technique. 

But Capital one could ask for evidence of package delivered to house from a legit delivery company not generic tracking such as the " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC
State: IL

Complaint narrative:
Acquired a loan through the company XXXX XXXX XXXX month term. As we are approaching the XXXX month mark, I initiated a call to the company to request an update on the loan including number of payments and balance remaining to ensure everything is as it should be. This is when I was informed that we had payments all the way through XXXX, and they are saying our loan term was XXXX  months. Absolutely 100 % not the case. Interested copies of the initial loan documents stating that it was XXXX  months and not XXXX  months I knew it to be, and they stated they have no way of sending me that information. Only thing they can send me is a statement showing the pay off balance, payment history, and billing history. I requested this via email, and never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Debt has been paid through monthly payment to XXXX XXXX. act XXXX collections name TransWorld systems.inc acr nmbr XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: SC

Complaint narrative:
This is regarding XXXX XXXX referred account number XXXX/ XXXX XXXX internal reference number is XXXX. XXXX was using a XXXX party XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to sell their internet wifi and informed them that Im not interested but the sales person left it anyway for me to use it for XXXX  days and if im not interested I can send it back which is what I did and I informed XXXX that it was mailed accordingly. then I called several times to make sure that they received the device and then they kept saying that they received it and processing at their warehouse etc. I called them again on XXXX XX/XX/year> because I got an invoice saying that I owe XXXX and inquire why its been charged so they mentioned that it was the warehouse that made that mistake and it should be fixed asap. The ticket for this call and the resolution was XXXX. The problem is not that i'm not capable of paying this amount but how unprofessional this company is for charging for something that's not even my fault. Please look into this because this has gone into my credit and impacted my score as well. I might take legal action against XXXX this if it's not taken out of my profile. I can attached supporting documents with regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I have been attempting to close my USAA checking account for over 2 weeks now. The balance on the account is XXXX. There are no pending charges or outstanding balances but every time I call I am given a different reason why they can not close the account. ( Ranging from " it won't let us process the final check amount of XXXX '', since resolved by removing the XXXX from the account, all the way to " there is a recent deposit on the account '' with no additional explanation as to why that would preclude closing the account that is, again, at a XXXX balance. )

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 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX  Bless Us, XXXX Bless Our Families, and XXXX  Bless America. Father, thank You for the abundance. Father, We ask for more abundance through XXXX, Our Lord, amen. The Lord bless you and keep you ; the Lord make His face shine upon you and be gracious to you ; the Lord lift up His countenance upon you and give you peace So the story basically goes as follows : On Friday I pushed through a debit card transaction with XXXX XXXX for futures trading. One grave issue. It never went through. A debit card transaction especially when Im confirming to send it through should not take 3 days because of a federal holiday that falls on a working day. I dont like how my money is able to get frozen due to an inability of others to aspire to work and use the excuse of a federal holiday. When my money is in a Financial institution it should be accessible to be withdrawn, deposited, transacted whenever I so wish to especially with righteous purposes, which for the record this is a righteous purpose. Therefore, I am writing this complaint regarding TD Bank to you. Mandate the Bank to allow me to make transactions XXXX ( excluding XXXX which is on Saturday for me and all XXXX XXXX ) so that we are able to fast on Saturday from money. I would like my transaction to be pushed through. It is a {$33.00} transaction for XXXX. Kindly tell TD Bank to send it through or there will be greater problems for the company as a whole through extensive legal lawsuits. So help us XXXX acquire this money into my bank account. In XXXX name, amen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear Sir or Madam I have amex card - no XXXX Amex is charging monthly charge of {$57.00} since XX/XX/2025. We approached AMEX that charge is " unauthorised. We approached vendor to request, why the charge is collected? 
What is the natire of service provided? who opened the account? The vendor - XXXX - confirmed ( ans is documented ) that vendor can not locate why the charge is incurred. We explained that to AMEX. Amex did put hard block. But again the charge keep appearing. Amex credit the charge on dispute but within two days, it reverses the credit. 
Amex is not providing detail, approach the vendor to seek details, nature of charge., Attached is " vendor '' - XXXX XXXX XXXX  system. The vendor itself could not locate - whey there is a charge Thank you XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
I paid off my Discover credit card in XX/XX/year>. My account was suspended and I was told they review accounts monthly and send a notice if it will be reinstated or closed. I've called customer service XXXX  times and was told the very same thing I typed previously. I have yet to receive anything in the mail or email.

Company response to consumer: Closed with explanation