vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, acting as a debt collector for Capital One N.A., sent me a collection letter dated XX/XX/year> demanding payment of {$17000.00} on an alleged XXXX XXXX account. They identified their XXXX license number as XXXX. I have not received adequate validation of this debt. I dispute the validity of this debt in its entirety and am demanding full validation including the original signed agreement, complete itemized account history, chain of title documentation from XXXX XXXX to Capital One, and proof of the collector 's authority to collect. I am concerned that collection activity is continuing without proper validation being provided as required under 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App is the company that no customers phone number. So I got Scammed for {$490.00} dollars. Someone that I thought was Cashapp customers support I asked for bank details and I they scam me for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I reference section XXXX to the companies, student loans, XXXX XXXX XXXX XXXX, cable, electric, banks to prove that I signed anything also that some debts would be so old that they must be cleared by law even if validated. Notes were unlawfully sold which means fraud. We're there is fraud good faith has been violated.

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 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I am a XXXX XXXX XXXX veteran and I need your help. I filed for XXXX disputes of XXXX fraudulent transaction made the day before this XXXX when I got notified by that I dont have sufficient funds in my bank. I just got my tax return last week along with my VA benefits. Then I checked my chime account and there were almost a {$380.00} and XXXX from XXXX different XXXX stores in NJ. Then there were more transactions that to almost {$800.00} from XXXX different XX/XX/XXXX locations and XXXX XXXX locations in XXXX. How could this be if I was currently just checking in a hotel in XXXX, NJ?! The locations were XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I filed a police report the next day and few day later I got a generic email from chime finding no error, so I filed an appeal. I am currently in between homes and I am moving to a new apartment next week. I cant afford to pay for my car and moving cost if Chime does not find a resolution. This is bad for my mental health. Ive read all your reports from Chime and I am hoping you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/year> {$33.00} XX/XX/year>. {$24.00} I have the transaction I.d . But they say they cant use that to find my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have had this problem the last 7 years of my life. It has followed me from bank to bank lender to lender and I dont see a penny of any refund ever given to me by any company on any complaints. It goes to another person with a card in my name. Its a current account. I seen her with the card before. That isnt my bank account. She follows me through every bank I have and attaches herself to my money my bank and my phones and j never see a dime if anything. She had stolen my ssocial security. My birth certificate, my identity, my life, she steals all my debit cards, all my federal prescriptions and she is trying to kill me. Literally. Rubbing it in my face all day long. They microchipped me and I cant get away from them. They hack and steal every dollar ever intended for me. And it goes right over to scumbags and I dont deserve it. I wouldnt mind but I have two kids I would rather feed than the homeless or filthy rich cause they stole everything from everyone else on XXXX too. Or my family at least. Someone needs to do something. Im so sick of being robbed and getting no answer its disgusting. After they pulled that at XXXX they followed me to XXXX and are trying to drain me of all my money and then probably kill me and sell me for body parts. And thats not even a lie. I need a lawyer. Badly. Legal help. They wan na lock me up for anything because of all the money they have taken throughout the years off of me and my family. I need a way to get in touch with you and its too hard because they have already hacked everything I own. Its disgusting. I dont even know wha to tell you but dont pay me back anything yet because I will never see it until I get an actual phone that works properly

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 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery Associates is reporting a {$1200.00} collection account against me on all XX/XX/XXXX credit bureaus. The alleged original creditor is XXXX Bank. This account was opened on my credit report XX/XX/XXXX. I dispute this account for the following reasons. XX/XX/XXXX on my XX/XX/XXXX credit report this account shows Original Creditor Name as No Info. A debt collector can not report a collection account without accurately identifying the original creditor. Failing to list the original creditor violates FCRA Section XXXX ( b ) which requires accuracy in all reported information.XX/XX/XXXX I dispute that this debt is valid and that I am personally liable for this amount. Portfolio Recovery has never provided me with any proof of ownership or documentation showing they have the legal right to collect this debt from meXX/XX/XXXX I dispute the accuracy of the reported amount of {$1200.00}. No itemized statement has ever been provided. XXXX Portfolio Recovery continues reporting this account despite my disputes. I sent certified dispute letters to Portfolio Recovery and all XX/XX/XXXX credit bureaus on XX/XX/XXXX via certified mail. No response received. I demand immediate deletion of this account from XX/XX/XXXX and XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the difficulties I have encountered while attempting to close my bank accounts with Bank of America. Despite my repeated efforts through various channels, my request has not been fulfilled, and I continue to be charged monthly maintenance fees on an inactive account. I initially contacted Bank of America via social media, and a representative called me back. I clearly stated my request to close my accounts. However, I was told that I needed my debit and credit cards to proceed. I explained that these cards remained in the XXXX XXXX and are currently inaccessible to me as I had to return to XXXX unexpectedly and have been unable to reach the person who has them. I was subsequently directed to the international customer service line. However, the automated phone system is extremely complex, and since I do not speak XXXX, I have been unable to navigate the menus to reach a live representative or request an interpreter. Furthermore, I contacted a representative via the live chat feature on the Bank of America mobile app. I again explained that I am currently outside the XXXX and wish to close my accounts. I was told that this request could not be processed via chat and that I must call the international line. I explained my language barrier and the difficulty of the phone system, but no alternative solution or assistance was provided. As it stands, my accounts remain open against my will, and I am being unfairly charged fees for an account I am trying to close. I request that Bank of America takes immediate action to :

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 monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: IL

Complaint narrative:
They had no one to contact when I had trouble with the sight, they over charged us when we couldnt csll them about the situation.and they used my information did not ask me. They dont have anumber for the lost suite claim is whst i need

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I entered into a financing agreement with Affirm on XX/XX/year>2026 for {$4200.00} for chiropractic services with XXXX XXXX. On XX/XX/scrub>, 2026, I canceled the services and signed a written cancellation and refund agreement with the merchant. The merchant confirmed they would process a refund directly to Affirm. Despite this, Affirm continued to charge me and withdrew XXXX monthly payments of approximately {$710.00} each after the cancellation. I contacted Affirm and filed a dispute regarding the missing refund. While the dispute was pending, I contacted the merchant, who confirmed they were unaware the refund had not been processed. The merchant attempted to complete the refund, but informed me they were unable to do so because the transaction was locked due to Affirms dispute process. This created a situation where the merchant acknowledges the refund, but the refund can not be completed due to Affirms system, while Affirm continues to hold me responsible for the balance. I have fulfilled all my obligations, and the services were canceled. Affirm has failed to conduct a reasonable investigation and continues to collect on a debt that should no longer be owed. Additionally, these withdrawals occurred during a period of financial constraint and caused financial strain that could have been avoided had the account been properly handled following cancellation. I am requesting that Affirm immediately reverse all charges, cancel the remaining balance, coordinate with the merchant to complete the refund, and correct any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The last time I had income was XX/XX/year> and when I started struggling to become re-employed, I notified Capital One about my troubles. They offered no help and continued billing. I had a severe mental health attack- even made attempts on my own life in XX/XX/year>. I needed mental health care and meds that I had no access to, so I suffered in silence and kept trying until financial relief arrived, which was about XXXX weeks ago. I made a {$200.00} payment to Capital One. My credit limit was only {$300.00} but the balance was nearly {$600.00} due to late fees that ranged from XX/XX/XXXXXXXX {$40.00}. They were definitely more than the {$8.00} legal limit. I called XX/XX/XXXXand requested help with waiving those fees and again explained why. The agent couldn't help so I asked for a manager. The manager stated she couldn't help and would not explain why when I asked her. The account is closed but only needs that balance resolved for complete closure. I don't believe I should suffer continuous negative credit reporting like I have been AND be required to pay above legal limit late fees during a financial crisis that I couldn't beat, no matter how hard I tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: MO

Complaint narrative:
I put all my money in have saved back in my savings account. Chime closed my account and is refusing to give me my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Larry H. Miller Group of Companies
State: VA

Complaint narrative:
The company prestigie financial continuously kept calling, texting, and emailing me after they were aware I did not have the vehicle in possession since XX/XX/XXXX since then till now XX/XX/XXXX they have not stop contacting me everyday regarding the amount owed on the vehicle which was not in my possession. I had to change my number due to the constant harassment even after I told them multiple times over the phone I did not have the vehicle that they needed to contact the tow yard who took the vehicle illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
, I am writing to formally dispute the reporting and status of the following accounts on my credit file : Account ending in XXXX Account ending in XXXX These accounts were closed in or around XX/XX/year>. After closure, I continued making payments on the balances. However, at some point, I was no longer able to make payments through the mobile application, and I stopped receiving monthly billing statements. As a result, I was not provided with a consistent or reasonable method to continue making payments or remain informed about the status of these accounts. Despite this, both accounts are currently being reported as severely delinquent ( XXXX days past due ). I believe this reporting is inaccurate and incomplete given the circumstances. I am requesting the following : A full payment history for both accounts Copies of all billing statements issued after account closure Documentation showing how I was notified of payment methods after mobile access was removed An investigation into the accuracy of the delinquency reporting If the information being reported can not be fully verified, I request that the negative reporting be corrected or removed from my credit file. Please confirm receipt of this request and provide a written response within 30 days. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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:
A Debt Validation Letter is a formal written request sent to a debt collector pursuant to the FDCPA ( 15 U.S.C. Section 1692g ) requiring the collector to provide verification that a debt is accurate, that the amount claimed is correct, and that the sender is legally obligated to pay the debt. This letter protects you from errors, identity theft, or attempts to collect a debt you dont recognize. When sent within 30 days of the initial written notice, it legally obligates the collector under 15 U.S.C. 1692g ( b ) to provide verification including the original creditors name, the amount owed, and supporting documentation proving the debt 's validity and the collector 's authority to collect it. If the collector can not or does not validate the debt in response to a timely request ( within 30 days of initial written notice ), they must cease all collection efforts on that debt under 15 U.S.C. 1692g ( b ). Under the Fair Debt Collection Practices Act ( " FDCPA '' ), consumers must send this letter within 30 days of receiving the initial written notice ( validation notice ) from the debt collector to trigger the legal requirement under 15 U.S.C. Section 1692g ( b ) that collection efforts be paused until the debt is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I disputed a collection account on my credit report with Equifax because the information being reported is inaccurate. Specifically, the date of first delinquency is incorrect and makes the account appear newer than it actually is. Equifax completed their investigation and verified the account without correcting the inaccurate information or providing any documentation to support the reported dates. The collection agency is reporting this account without providing a complete account history or proof that the date of first delinquency is accurate. This raises concerns that the account may have been re-aged, which is not permitted under the Fair Credit Reporting Act. I have not been provided with documentation showing the original delinquency date or proof that I am legally obligated for this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a follow-up complaint regarding the same issue, as I do not agree with Capital Ones previous response. I am submitting this complaint again because I do not agree with Capital Ones prior response and believe my concern was not adequately addressed. I applied for the Capital One Savor credit card through a referral link that clearly advertised a {$200.00} welcome bonus after spending {$500.00}. This offer was prominently displayed at the time of application, and I relied on it when proceeding. Although the application process included a pre-approval step, there was no clear or explicit disclosure that accepting the offered card would result in losing the {$200.00} bonus shown on the referral page. At no point was I informed that I was being redirected to a different product without the bonus. Additionally, the {$150.00} referral bonus was successfully issued, which confirms that the referral link was properly tracked by Capital Ones system. This creates a clear inconsistency : the referral was recognized, but the associated welcome bonus was not honored. Capital One stated that the account was approved under a different product ( XXXX for XXXX XXXX no bonus ). However, this key difference was not clearly disclosed during the application process. As a consumer, I reasonably relied on the advertised offer. If the system redirects applicants to a different product without clearly informing them that the promotional bonus no longer applies, this is misleading and lacks transparency. I respectfully request that Capital One review this matter again and honor the {$200.00} welcome bonus as originally presented. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XXXX XXXX XXXX is reporting a {$1200.00} collection account against me on all XX/XX/XXXX credit bureaus. The alleged original creditor is Synchrony Bank. This account was opened on my credit report XX/XX/XXXX. I dispute this account for the following reasons. XX/XX/XXXX on my XX/XX/XXXXcredit report this account shows Original Creditor Name as No Info. A debt collector can not report a collection account without accurately identifying the original creditor. Failing to list the original creditor violates FCRA Section XXXX ( b ) which requires accuracy in all reported information. XX/XX/XXXXI dispute that this debt is valid and that I am personally liable for this amount. XXXX XXXX has never provided me with any proof of ownership or documentation showing they have the legal right to collect this debt from meXX/XX/XXXX I dispute the accuracy of the reported amount of {$1200.00}. No itemized statement has ever been provided. XXXX XXXX XXXX continues reporting this account despite my disputes. I sent certified dispute letters to XXXX XXXX and allXX/XX/XXXXcredit bureaus on XX/XX/XXXX via certified mail. No response received. I demand immediate deletion of this account from XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation