vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 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: WA

Complaint narrative:
On XX/XX/XXXX a {$400.00} charge for XXXX was made on my card. I have never flown on XXXX, I have never travelled via airline post this charge, I did not make this purchase. I reported this fraud immediately upon discovery to Apple/Goldman Sachs . i do not share my card information with anyone else to use, i control my card information and do not share access to my card or phone ( Apple Pay ). I have reported the fraudulent charge to XXXX. I have contested this charge with Goldman Sachs 3 times. From attempted transactions on my card it is clear there was an active fraudulent charges being attempted on my card in XX/XX/XXXX- on XX/XX/XXXX there was another charge attempted and declined for XXXX for {$450.00} and a charge of {$53.00} for XXXX XXXX attempted and declined, both were fraudulent and not made by me ; on XX/XX/XXXX a charge for renet.tw for {$1.00} was attempted and declined, I did not make this purchase. 

Goldman Sachs has been informed multiple times of this clear fraud and all XXXX times has decided to credit the XXXX back to my account, they remove it, then about XXXX weeks later decline the claim and charge me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital is reporting a collection account related to an XXXX personal loan. The information being reported is inaccurate and/or can not be verified as required under the Fair Credit Reporting Act. 
I dispute owing this debt and request that Jefferson Capital provide full verification of the account, including proof of ownership and accurate account details. If the information can not be verified, I am requesting removal of the collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 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 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Credit Card Services requested a hard credit pull on my account without my authorization. I have never banked with them or had any credits cards with them. They are unable to give me a reason or even say they have done this. They claim to not have me in their system at all. I have made five attempts to let them explain why they didi this and they do not have an answer. They keep sending me to a different person to talk to who says the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NBT BANCORP INC.
State: NH

Complaint narrative:
On XX/XX/year> I notice my bank account with NBT Bank had a unauthorized check written XXXX, I called NBT Bank and I reported the fraud and told them that I really can't be cut off from my money right now because I have to pay my Internet bill I have to do shopping I have other bills and expenses that I need to pay for and I really can't be cut off from my money I was told that they were going to call the fraud people and they were going to call me back. I never received a call back and I was cut off from my money around XXXX that night. On XX/XX/year> I called NBT Bank again and ask them what was going on and told them and stressed that I really can't be cut off for my money I have things to pay for like my internet which I need to help with communication and my phone because I live in the boonies and I'm too far out of town to walk there especially in the winter and being XXXX, they took a couple hours to call me back and tell me that because of the type of fraud they had to close my account and said they were going to mail me a check which is going to take about a week to get to here, they refuse to open another account in my name because it's their policy that the person has to come in and sign in person and I live XXXX and XXXX hours away from the nearest NBT Bank, so until then I'm without money I'm going to be without internet and without a reliable phone because of that, they said they would try to overnight the check but they couldn't make any promises. I'm in a dangerous position because of what they decided to do. I have other complaints with them as well about my car loan that I have through them but I had to surrender the vehicle because they wouldn't let me refinance or negotiate lower payments, other issues I've had is they would randomly cut me off from using my money because their system updated or at least that's what they told me but it happened a lot, most always at a critical time and calling the fraud center is not very helpful. I'm XXXX, on a fixed income, I have no vehicle so I'm stuck, I don't know what to do.

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 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Mitigation Services, LLC
State: AR

Complaint narrative:
Revenue Reporting Services Is harassing me and calling me people they think I know asking about my information like my phone number my address and my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: CA

Complaint narrative:
On XX/XX/year>, this company sent an email to a relative containing my account information and the amount I owe in debt. That relative then forwarded the email to me.

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 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I currently have an open complaint with CFPB regarding my BOA card ending XXXX. Last communication received from CFPB was that the back needed more time. 

Now I received a vague letter stating they are unable to complete my request ( the only request I made was for them to fix my account one and for all as I have already wasted way too much of my time ). I want them to answer as to why they had my account showing as past due payment ( I had credit on my account with NO payment due ) and why my transactions were being declined even after I spoke to a rep at BOA. 

I guess this letter is just saying they wont give me the answers ( when I called today no one has a clue what this letter is about ) and therefore Im asking your agency to own this and hold BOA accountable and help me understand how and why Ive had ongoing issues with this account.

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 2026-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a synchrony XXXX XXXX XXXX months ago. Over that time while I was making on time payments they kept reducing my balance due to keep me over the balance. I paid the entire balance due before the interest free period was over and today o just received a letter saying they were closing the card. My credit score is XXXX now this will reduce my credit score

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 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Movement Mortgage LLC
State: NJ

Complaint narrative:
I closed XXXX conventional mortgage loans with Movement Mortgage in XX/XX/XXXX forXX/XX/XXXX. During the closing process, issues arose regarding prepayment penalty terms and loan costs. To resolve these issues and allow the loans to proceed to closing, the loan officer, XXXX XXXX, made specific written commitments. 

In writing, I was promised reimbursement of discount points totaling {$630.00} ( {$310.00} per loan ) and appraisal-related fees totaling {$1600.00} ( {$600.00} and {$870.00} paid directly to the appraisal company and {$150.00} paid at closing ), for a total of {$2200.00}. 

I was also provided written confirmation that Movement Mortgage would either waive lender fees for a future refinance or cover 50 % of the prepayment penalty if refinancing within the prepayment period. The loan officer stated in writing that Movement will honor this email. 

I relied on these written commitments in proceeding to close both loans. 

After closing, I contacted the company multiple times in XX/XX/XXXX by email and text to request the promised reimbursements and written confirmation of the agreed terms. Despite repeated follow-ups, the reimbursements have not been paid and the commitments have not been honored. 

I have documentation showing the written promises, the amounts paid, and my follow-up attempts. 

I am requesting payment of the {$2200.00} in promised reimbursements and written confirmation of the agreed refinance and prepayment terms that were provided in writing before closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: DISCOVER BANK
State: MO

Complaint narrative:
My Discover credit card was lost on XX/XX/XXXX. On the same day, an unauthorized transaction of {$490.00} occurred. I did not authorize this transaction, and the card was never recovered. I later requested and activated a replacement card. 

I reported the unauthorized transaction to Discover and filed a fraud claim. Discover initially credited and removed the charge. However, in XX/XX/XXXX, Discover reversed the credit and added the charge back to my account, determining that the transaction was not fraud. 

I was told this decision was based on a note from a phone call claiming that I said the card was in my possession. This is incorrect. The card was lost on XX/XX/XXXX and was never recovered. XXXX is not my first language, and I believe my statement during the call was misunderstood or inaccurately documented. 

The card was not in my possession at the time of the transaction, and I did not authorize the charge. I am requesting that Discover correct the investigation result and permanently remove the unauthorized charge from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 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: Experian Information Solutions 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 explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial is the lienholder and has failed for four months to send the vehicle title or lien information to the State of Florida. XXXX XXXX confirmed the title was sent to Westlake in XX/XX/year>. Their automated system prevents contact with a human, and this is preventing legal registration and use of the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: MS

Complaint narrative:
My XXXX XXXX credit card has been inactive since 2022 with no consumer purchases. The current balance is almost entirely late fees and interest. I contacted customer service to request a goodwill adjustment or settlement and asked to speak with a supervisor. I was placed on hold for an extended period and disconnected without ever speaking to a supervisor. 

I am requesting fee reversal or a reasonable settlement, cessation of interest, closure of the account, and clarification or correction of negative credit reporting related to excessive fee accrual on an inactive account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC
State: OK

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission Consumer Response Center Subject : Complaint Regarding Attempted Collection of Debt Not Owed To Whom It May Concern, I am submitting this letter to formally report an attempted debt collection for an account that does not belong to me.

The collection agency involved is Credit Service Company Inc., which claims I owe a debt in the amount of {$360.00} under Reference Number XXXX. Their contact information includes a phone number of XXXX and a mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I do not recognize this debt and have no contractual relationship with this company or the alleged original creditor. I have disputed the debt directly with the collection agency and requested validation under the Fair Debt Collection Practices Act. 
I am concerned about potential improper collection practices and possible inaccurate credit reporting. I respectfully request that this matter be documented and reviewed as part of the FTCs consumer protection oversight. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have spent XXXX XXXX  chatting with different CITI agents regarding payment assistance. I was able to chat and get transfered to a " Payment assistance agent '' after XXXXXXXX XXXX XXXX XXXX the agent that was suppose to help or look for payment assistance solutions asked for account number, account number was given, then XXXX said XXXX  account can't be accessed '' and automatically closed by chat. I now have to chat again with agents for XXXXXXXX XXXX and hope XXXX isnt my agent and new agent will actually be of help. XXXX does not deserve that position, especially if that is how she handles " customer support ''. It is completely disrepectful, especillly after closing chat without actually trying to help. I am looking for a job, Ill gladly take over XXXXXXXX XXXX job and do it XXXX better. Rant over. Thanks

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 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I reported to Pnc that my ex-husband had vacated the property in XX/XX/year>. When I verify my account with Pnc, it is with my name XXXX XXXX and my home address XXXX XXXX XXXX in XXXX XXXX XXXX. I contacted Pnc since I hadnt heard or received any correspondence as of XX/XX/year>. They informed me that they mailed documents out on XX/XX/year> that had to be signed notarized by both XXXX XXXX and myself by XX/XX/XXXX, XXXX asked where did you send it to the XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  address. Which is now vacant and not my address yet Im responsible for getting those papers signed and back to them by XX/XX/XXXX. The woman on the phone apologized and said I dont know why your address was not updated. Would you like to file a formal complaint and I said yes. I dont have an ounce of faith that Pnc has updated my address again. My previous complaint they send all correspondence to the address on record and they were sorry. Well they keep doing it and not updating my address so XXXX XXXX years ago when I got divorced, I probably changed my address and again they havent done it. These people need to be held accountable for never telling me that I was still on this mortgage Never giving me the correspondence needed and this is for the deed and law for Foreclosure which would mean that I would then be facing Foreclosure again for something that I shouldnt be. Pnc needs to be held accountable and responsible for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding Capital Ones handling of a billing dispute involving continued charges after cancellation of personal training services at XXXX  XXXX. This complaint is submitted not only to seek redress for myself, but also to protect the broader public. Capital Ones handling of the dispute enables continued deceptive practices by a merchant under FTC scrutiny and imposes unnecessary procedural burdens on consumers rather than enforcing billing rules in good faith. 

Timeline and actions : XX/XX/XXXX Entered into a 3-month personal training agreement with XXXX XXXX . Contract allows cancellation in person at the front desk, by certified letter, or online. 
XX/XX/XXXX Attempted in-person cancellation at the front desk. Staff refused to process the cancellation, stating I needed to speak with the personal training director, who was not working. 
XX/XX/XXXX Sent written cancellation notice via text message to the personal training XXXX. No acknowledgment received. 
XX/XX/XXXX Despite in-person and text cancellation, XXXX  XXXX charged an additional personal training session of {$280.00}. 
XX/XX/XXXX Contacted personal trainer to confirm cancellation ; trainer acknowledged prior charge and stated that training had been added on XX/XX/XXXX. 
XX/XX/XXXX A second personal training charge of {$280.00} was processed. 
XX/XX/XXXX Sent certified letter demanding cancellation of all services and refund of post-cancellation charges. 
After XX/XX/XXXX XXXX  XXXX stopped further personal training charges, indirectly acknowledging reciept of the certified letter. 
Bank dispute ( Capital One ) I disputed both post-cancellation personal training charges ( {$280.00} each, on XX/XX/XXXX and XX/XX/XXXX ). Capital One approved one charge and denied the other, despite both charges occurring under identical circumstances. 

Capital Ones partial approval, reversal of temporary refund without warning, and requirement for exhaustive documentation to reopen the dispute created an undue burden, and effectively shifted responsibility onto the consumer while siding with a merchant that has already acknowledged partial fault. 

Additional context : Membership charges continued after the certified letter and are being disputed through a different bank, demonstrating an ongoing pattern of unauthorized billing by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hillcrest Davidson & Associates
State: OH

Complaint narrative:
XXXX XXXX from hillcrest, Davidson, and associates called my place of employment. He demanded I pay an old bill now or we would go to court. I had to ask several times for his phone number. I am not allowed to take personal calls at work and got in trouble over it.

Company response to consumer: Closed with explanation