vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
First attempt at collection by : XXXX XXXX XXXX XXXX XXXX, on behalf of XXXX : This cell phone account was closed XX/XX/XXXX, final payment made XXXX. I received a bill after that date for the following month beginning XX/XX/XXXX through mid XX/XX/XXXX. I did not use that cancelled cell phone at any time after the account was closed. 

I have contacted XXXX a number of times with no results and they then sent my account to collections. I have disputed this account with all major credit reporting agencies. Each with the exception of TransUnion had accepted the disputed account, with my proof of closing this account prior to them sending me a " Final '' bill for an upcoming period of service.

Now I am getting a new collection report, which has dramatically impacted my credit score for an amount less than {$150.00}, from almost 3 years ago that I do not owe. 

I am also getting daily text messages from XXXX XXXX XXXX XXXX XXXX, who are offering a " one-time '' deal to settle the account for one half the total amount. This reeks of extortion. 

Now in XX/XX/XXXX I have received notice of a new collection attempt for the same account with XXXX  by CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I have not had any success getting this resolved. 

XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year>, a {$10.00} authorization from XXXX was placed on my Chime account for merchandise that was never delivered. 

The transaction was never completed, the authorization expired, and the funds were never released back to my balance. 

A separate {$3.00} charge for a driver tip posted and settled correctly and is not disputed. 

Chime representatives falsely claimed the {$10.00} authorization turned into the {$3.00} charge, which is factually impossible. 

Multiple representatives refused to escalate to a supervisor and refused to provide an email or method to submit screenshots proving the missing funds. 

I am requesting immediate release of the expired authorization and correction of my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I spoke to a representative requesting a letter of debt validation. I didn't receive a letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I purchased XXXX through XXXX  on XX/XX/year> ( {$200.00} ), XX/XX/year> ( {$100.00} ), and XX/XX/year> ( {$100.00} ). It was SO EASY ; XXXX  required identity verification, which I completed promptly. By XX/XX/year>, I received confirmations stating Success, youve been verified and on XX/XX/year>, We confirmed your info, and my account shows Ready to trade. Despite this, the SELL function remains unavailable, and my fundstotaling $ XXXXhave been inaccessible for multiple days ; even though I have expressed my urgency several times, because I need to make a sensitive payment. Venmo support has provided inconsistent guidance, including instructions to send XXXX externally, and has not explained why my funds are restricted or provided a timeline for resolution. Additionally, XXXX  and PayPal do not provide any direct way to contact a human representative via email or independent phone number, forcing all communication through the app. Case # : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I have an Auto/Boat/RV loan with M & T Bank originating on XX/XX/year>. Despite making payments totaling over {$7400.00} many of which exceeded the amount due I observed periods where my loan balance increased rather than decreased. 

I contacted M & T Bank multiple times asking how to ensure payments would be applied directly to principal. I was not informed that principal-only payments require mailing a check to a separate, specific department and address. This information was not provided to me until months later, despite repeated inquiries. 

As a result, payments I reasonably believed were reducing principal were instead applied in a manner that allowed interest to continue accruing on a higher balance, creating financial harm and confusion. 

I am requesting regulatory review of M & T Banks disclosure and payment application practices for this loan, including whether borrowers are adequately informed of how to make principal-only payments and how excess payments are applied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: OH

Complaint narrative:
Napa Lending also known as XXXX have been harassing me to pay the loan off I tried talking to them and the cursed me out. Unfortunately they call from multiple numbers and when you call them back the number doesnt work. The interest rate is 881 % I am having a hard time and I cant afford the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In 2024, I noticed a series of transactions on my Apple Card from a merchant I did not recognize and had never done business with. I disputed approximately 20 transactions totaling about {$1000.00}, stating that they were unauthorized. 

During the dispute process, some of the transactions were credited or refunded, but nine transactions totaling approximately {$420.00} were ultimately ruled authorized by Goldman Sachs. The bank stated that their internal technology indicated the transactions were made through my device, but they did not provide any written proof, authentication records, or documentation showing how I personally authorized the charges. 

As a result of these determinations, the remaining balance on the account is now approximately {$440.00}, which includes the disputed amounts and related interest. 

Since then, I have made numerous attempts to resolve the issue with Apple Card and Goldman Sachs through phone calls, chats, and written complaints. Each time, I requested : - A written, itemized calculation of the remaining balance - Documentation showing the evidence used to determine the disputed charges were authorized The company has not provided this information in writing. They have only stated that their internal systems determined the transactions were authorized. 

I filed a prior complaint with the CFPB regarding this issue ( ID # XXXX ). After that complaint closed, I disputed the account with all three credit bureaus. XXXX XXXX and XXXX  all verified or maintained delinquency on the account based on the banks response. 

The account is now being reported as seriously delinquent, which has caused a significant drop in my credit score and is impacting my ability to apply for a home loan. I have never missed legitimate payments in my credit history, and this delinquency stems from charges I did not authorize and that the bank has not proven were authorized. 

This issue remains unresolved despite the prior CFPB complaint, multiple disputes, and ongoing credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NY

Complaint narrative:
I'm writing this complaint regarding XXXX for sending a debt collector after me over a three year old debt that was clearly paid and they know very well I paid the debt ( {$74.00} ) to them three years ago. Then they proceeded to harass me for the same debt payment three years later and when I called XXXX to complain about the debt that was paid three years ago, they turned around and said that I have XXXX and the representative berated me over that and still accused me of debt that was not owed to them anymore. 

Please find me an attorney as I am looking to sue them for a large sum for discrimination against XXXX  people

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I discovered fraudulent charges on my credit card and reported it to Capitol One and closed the account. For XXXX months, I have been attempting to get information from them as to what fraudulent charges occurred to Wayfair.com and what credits or refunds were applied. They keep giving me wrong information or there fraud department " doesn't know '' or can't be bothered to assist. I have called them XXXX dozen times to no avail. XX/XX/year> I wasted XXXX hours on the phone trying to get this simple information. An incompetent man in XXXX was useless and he called himself an " account XXXX '' and then I called the XXXX time and got a supposed account XXXX female and she was rude and hung up on me. This company has the absolute worst customer service and security program. I have had credit cards foXXXX XXXX years and have never been hacked and I had a Capitol One credit card for a few months and was hacked. To add insult to injury, they can't or won't provide me documentation of fraudulent charges and credits. This company is a joke and I will be filing more complaints about them. I need this information and I am DUE IT! I have a XXXX XXXX of XXXX and shouldn't have to beg for assistance with a card THEY let get hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Reached out to SOFI via secure chat on XX/XX/year> regarding SOFI checking and savings bonus of XXXX dollars for new accounts that meet the terms and conditions of promotions. My wife and I, both hold a joint account with SOFI. Spoke with agent " XXXX ''. XXXX advised my wife, WOULD qualify for bonus of she signed up for an INDIVIDUAL account. See attachments for this conversation. 

Tried to create new account on XX/XX/year> in order to complete requirements to receive bonus. SOFI 's system would not allow for her to create a new account. Spoke with XXXX on XX/XX/year>. XXXX related he " could not '' do anything about it and would " share '' the information with his higher ups. Offered XXXX dollars as compensation and admitted that XXXX gave me bad information. 

I will not be satisfied unless SOFI honors the original offer provided by XXXX for the promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I use this financial to my payroll cheque and i deposit XXXX cheque to this account and all of that is approve and all the money is on my account then after that they lock up my account and have restriction and i cant use or get my money in my account.how many times i call but always telling to me wait and wait and how many times told to me under review my account its take many days or weeks I'll been waiting.they keep telling me to wait but i cant wait anymore because i have expense and family to support all my bills is on behind.they give me stress and they playing me games.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: AR

Complaint narrative:
This supplemental submission is provided to preserve the record and to document materially inconsistent and procedurally defective communications issued by American Express during the pendency of a CFPB-tracked complaint. 

As reflected in the attached exhibits, the consumer filed a CFPB complaint on XXXX XXXX XXXX reiterating that the disputed transactions remain unauthorized, that no admissions of authorization or benefit had been made, and that the consumer requested any investigative questions or information requests be provided in writing to ensure accuracy and avoid misunderstanding. 

On XXXX XXXX XXXX XXXX XXXX XXXX the consumer made multiple outbound attempts to contact the assigned American Express fraud investigator, including calls lasting several minutes, and left voicemail messages requesting follow-up. These call attempts are documented in the attached phone records. No return call was received, and no investigative questions were ever provided in writing, despite repeated requests. The consumer also communicated with other representatives within the same department, who indicated that messages would be relayed to the assigned investigator. 

Despite this documented cooperation, on XXXX XXXX XXXX, the consumer received multiple emails from American Express stating that the fraud inquiries had been resolved or closed, while simultaneously asserting that American Express had been unable to reach the consumer by telephone and threatening reversal of previously issued credits absent further telephone discussion. These communications further referenced unspecified merchant documents, without providing those materials or any written investigative questions to the consumer.

These representations are procedurally irreconcilable. American Express can not credibly assert that an investigation has been completed and resolved while also claiming the consumer was unreachable and conditioning the preservation of credits on future contact. The attached exhibits demonstrate that the consumer actively attempted to engage, that calls were returned, and that American Express failed to follow through with written investigative requests. 

This submission does not withdraw any dispute, does not consent to reversal of credits, and does not authorize post-deadline reinvestigation. It is submitted solely to preserve the record and to assist the CFPB in evaluating procedural integrity, investigation consistency, and the accuracy of representations made to the consumer during the pendency of a CFPB-tracked complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello my name is XXXX XXXX and i am submitting this complete because of chase banks denial for my dispute of an unauthorized transaction on my debit card for {$100.00} and another one for {$510.00} one made XX/XX/XXXX and then another made XX/XX/XXXXXXXX XXXX XXXX  I reported this transaction as soon as I seen it on my statement and its been a couple weeks and chase told me they would let me know what happens with my claim and I will get like a notification or an email and I never got anything like I had to call them to get information and I was very frustrated and they said they couldnt do anything about it. I do not use XXXX XXXX  unless its for someone sending ME money. Chase denied my claim without providing a clear explanation or evidence that the transaction was authorized by me. I do not believe a proper or fair investigation was conducted. I work once a week and I get a paycheck of not even XXXX $ a week why would i go blow XXXX $ on a random XXXX  account indont even know. The name it said was XXXX XXXX and i have no clue who that is. i am requesting chase re open the dispute as soon as possible and conduct a proper investigation and return the disputed funds. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The mortgage lender had approved my loan application based on my assets ( i.e. an asset-based mortgage loan ). However, just a day before closing, they changed their terms and declared that my income was not sufficient for me to qualify for the loan - EVEN THOUGH IT WAS AN ASSET-BASED MORTGAGE AND MY INCOME WAS IMMATERIAL TO THE APPROVAL AND LOAN TERMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am submitting this complaint regarding Service Finance Companys failure to provide requested account statements and debt validation for a debt being reported in my name. 

On XX/XX/XXXX, I contacted Service Finance Company and formally requested copies of all account statements associated with the alleged debt from XX/XX/XXXX to present. 

I also requested documentation verifying the validity of the debt being reported, including proof that the account is accurate and attributable to me. 

As of the date of this complaint, more than 90 days have passed and I have not received : Any account statements Any written verification or validation of the debt Any explanation for the delay Despite this failure, Service Finance Company continues to report the account to consumer reporting agencies.

Because Service Finance Company is engaged in debt collection activity, its conduct is governed by the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 1. 15 U.S.C. 1692g ( b ) : Requires a debt collector to cease collection activity until verification of the debt is provided upon consumer request.

2. 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations, including continuing to represent an unverified debt as valid.

3. 15 U.S.C. 1692f : Prohibits unfair or unconscionable collection practices, including attempting to collect or report a debt without substantiation.

In addition, continued credit reporting without providing requested validation raises accuracy concerns under the Fair Credit Reporting Act ( FCRA ), including obligations under 15 U.S.C. 1681s-2 ( b ).

Service Finance Company has failed to provide any documentation substantiating the alleged debt despite a clear request and ample time to respond. Continuing to report the debt without providing statements or proof of verification materially impairs my ability to review, dispute, or validate the accuracy of the information being reported.

I request CFPB oversight to require Service Finance Company to : 1. Immediately furnish all account statements from XX/XX/XXXX to present ; 2. Provide written debt validation establishing the origin, basis, and amount of the alleged debt ; 3. Cease collection and reporting activity until proper validation is provided ; 4. Ensure that any information furnished to consumer reporting agencies is accurate, complete, and fully supported by documentation. 

If Service Finance Company can not substantiate this debt with proper records, continued reporting and collection efforts are improper and must cease.

I am requesting CFPB intervention to ensure compliance with the FDCPA and FCRA and to require timely production of the documentation necessary to validate the debt being reported in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
am writing to formally object to your Final Dispute Resolution letter dated XX/XX/year>, and to request immediate reconsideration of your determination. 

Your decision states that the merchant provided documentation validating the disputed charge and that the cardholder received it. This conclusion is factually and legally flawed. 

Material Inconsistency in Merchant Documentation The merchant documentation you relied upon allegedly shows delivery or receipt ; however, the name listed as the recipient is not mine. I am the account holder, yet the documentation references a different individual. 

Delivery or receipt by a third party does not constitute authorization by the cardholder and does not validate the transaction under the Electronic Fund Transfer Act or Regulation E. A merchants record that names someone else as the recipient directly contradicts any claim that I, the cardholder, authorized or received the transaction. 

Failure to Establish Authorization At no point has the merchant produced : Proof of my authorization ( signature, authentication logs, device/IP match, or equivalent ) Evidence that I approved shipment or delivery to a third party Any document demonstrating my consent to the transaction A transaction allegedly received by someone else can not, by definition, be deemed authorized by the cardholder.

Request for Evidence Relied Upon Pursuant to my rights under Regulation E ( 12 CFR 1005.11 ), I formally request copies of all documentation relied upon in reaching your determination, including : Merchant delivery records Proof of authorization Any internal investigative notes Correspondence from the merchant

Company response to consumer: Closed with explanation