vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Date of transaction XX/XX/year> for {$330.00} I made my car insurance payment with my Navy Federal credit card on XX/XX/year>. It initially showed it went through. The payment posted to my credit card account on XX/XX/year>. My Navy Federal credit card statement shows that the payment went through but XXXX XXXX XXXX says that they did not receive the payment and it was declined on XX/XX/year>. I did not find out that it was declined until XX/XX/year>. The payment posted on my credit card statement. I've tried to resolve this with Navy Federal and they have canceled my request XXXX times saying that I do not have sufficient information to continue with the claim. I sent them all the correspondence that I have. XXXX XXXX XXXX didn't receive the payment but it was definitely taken from my Navy Federal credit card. As requested by Navy Federal, I've sent in documentation showing that the payment was declined and correspondence from my XXXX XXXX agent stating the payment wasn't received. XXXX and Navy Federal credit Union refuse to issue a refund to my credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Loan was opened fraudulent.have police report and identity theft report but equifax refuse to honor that! XXXX XXXX XXXX XX/XX/year>. {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: NY

Complaint narrative:
I scheduled a payment, by accident, XXXX XXXX late and was assessed a {$40.00} late fee. As someone who has had this account for years, has multiple other accounts with Capital One, and always makes payments to satisfy at least the minimum due each month, I would hope that this small oversight would make my account eligible for a late fee waiver. This fee is arbitrary and seems silly in light of the record of my account. I have called Capital One to request a waiver and their employees and supervisors are utterly unempowered to assist. They can only reference " the system '' and refuse to provide a waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
So I was in a car accident in the middle of XXXX of XXXX my payment is due on the XXXX of each month. I was 2 days late and I received a call form imagine credit card they were trying to secure a payment. I advised the agent of my situation and she said she will work with me and waived the late fee and advised me that even though my credit was over the balance I had the over draft protection on my card so my account will be fine. However XXXX week letter I get a notification that my credit card account was closed. I reached out and was advised due to there system it automatically closed my account even though I spoke with a representative less than a week prior. So when the next balance generated to my account it was a double payment. My normal payment was {$42.00} dollars monthly and the payment was {$110.00}. I reached out and was told it was due to a late fee from the bill in XXXX. But the day after the bill was due there was a late fee added to my account already and the XXXX representative I spoke with waived it. So now Im getting charged extra fees on my account and it was closed for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on a Barclays Bank Delaware account XXXX XXXX XXXX XXXX XXXX XXXX XXXX with an original credit limit of {$3700.00} but demanding approximately {$4000.00} with no itemized explanation of the difference. XXXX XXXX own website states You may not owe this debt and shows an active dispute case on this account. Despite this they continue collection activity. I am requesting complete debt validation per FDCPA Section 809 including original debt amount, itemized fees, proof of ownership, and chain of title showing how XXXX XXXX obtained this debt from Barclays.

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 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates is attempting to collect on a XXXX XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXXXXXX ) with an original credit limit of {$3700.00} but demanding approximately {$4000.00} with no itemized explanation of the difference. Portfolio Recoverys own website states You may not owe this debt and shows an active dispute case on this account. Despite this they continue collection activity. I am requesting complete debt validation per FDCPA Section 809 including original debt amount, itemized fees, proof of ownership, and chain of title showing how Portfolio Recovery obtained this debt from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT REMARKS ASSOCIATED WITH THIS ACCOUNT ARE INACCURATE AND DO NOT REFLECT THE TRUE PAYMENT HISTORY. I AM FORMALLY DISPUTING THESE SPECIFIC NOTATIONS AND REQUEST A THOROUGH REVIEW AND CORRECTION. IF THESE LATE PAYMENT REMARKS CAN NOT BE PROPERLY VERIFIED WITH ACCURATE RECORDS, THE LATE PAYMENT REMARKS MUST BE REMOVED IMMEDIATELY.

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 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE LATE PAYMENT REMARKS ASSOCIATED WITH THIS ACCOUNT ARE INACCURATE AND DO NOT REFLECT THE TRUE PAYMENT HISTORY. I AM FORMALLY DISPUTING THESE SPECIFIC NOTATIONS AND REQUEST A THOROUGH REVIEW AND CORRECTION. IF THESE LATE PAYMENT REMARKS CAN NOT BE PROPERLY VERIFIED WITH ACCURATE RECORDS, THE LATE PAYMENT REMARKS MUST BE REMOVED IMMEDIATELY.

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 2026-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
Show me the purchased agreement where you are the full and sole owners of the account if not

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 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on a Synchrony Bank account ( XXXX XXXX XXXX XXXX XXXX ) with an original charge-off of approximately {$3700.00} but demanding approximately {$4000.00} on a payment plan with no itemized explanation of the difference. XXXX XXXX own website states You may not owe this debt and shows an active dispute case on this account. Despite this they continue collection activity. I am requesting complete debt validation per FDCPA Section 809 including original debt amount, itemized fees, proof of ownership, and chain of title showing how XXXX XXXX obtained this debt from Synchrony Bank.

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 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates is attempting to collect on a XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXXXXXX ) with an original charge-off of approximately {$3700.00} but demanding approximately {$4000.00} on a payment plan with no itemized explanation of the difference. Portfolio Recoverys own website states You may not owe this debt and shows an active dispute case on this account. Despite this they continue collection activity. I am requesting complete debt validation per FDCPA Section 809 including original debt amount, itemized fees, proof of ownership, and chain of title showing how Portfolio Recovery obtained this debt from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: MO

Complaint narrative:
my car was repossessed due to getting behind. Immediately the morning it was taken we paid the overdue balance in all fees. This was on Thursday morning, XX/XX/XXXX. Was told it would take XXXX hours for the payment process, then after an additional XXXX hours, they would have the lien release at the repossession company and I can pick up my car. Thats XXXX business days. It is now been XXXX. I have called Westlake financial repeatedly and over and over they tell me that they are going to put in the request to have it sent and then they never do send it. Ive tried to get managers on the phone and to escalate this to someone who can get it fixed, but they just keep doing the same thing and telling me to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On or around XX/XX/XXXX there was some activity going on with my Bank of America credit card. I immediately notified BOA as I received texts messaged regarding the decline of some transactions that I did not make. A new credit card was ordered. On XX/XX/XXXX, I was contacted by BOA fraud team stating someone was trying to add themselves to my account and/or open an account. At that time, a new card may have been issued again. On around XX/XX/XXXX, I received some XXXX gift cards in the mail from BOA totaling {$1600.00} ... and another card later for {$500.00}. It said that I redeemed my credit card point in exchange for the points. I immediately phoned BOA and let them know that i did not make this transaction and that I would like my credit card points re-instated. It was decided that I should not use the cards and that they would do an investigation which could take up to XXXX weeks. On XX/XX/XXXX I phoned BOA inquiring about the gift cards and credit. I was told by a rep that the issue is resolved and that since the cards came to my address, I would not be getting my points reinstated. I went to the local branch and spoke with manager. she put in an escalation for the issue as they were not able to help get it resolved over the phone. I have not heard back from BOA. I want my points and they can have the unused gift cards back. They know fraud is on my account as they are the ones who notified 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 2026-06-10 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: TX

Complaint narrative:
Please remove the outdated information from mycreditreport.

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 2026-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the outdated information from mycreditreport.

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 2026-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I am complaining about this bank they just took over my mortgage from another bank who did not resolve my escrow issue and then once I complied to CFBP they transferred my loan. The new bank is threatening with foreclosure or going into an assistance program if I dont pay even though they dont have the updated tax information. I asked if they can hold off on everything until they have all the info in front of them. They said no the only option is to do assistance program. This is taking advantage of people without any information whether they can charge me this extra or not. I have my whole phone call recored showing I am trying to resolve this but they are forcing me into an assistance program even though they dont have my full tax picture yet. Nothing to do with me. Escrow review. Im disputing the amount they are asking for my escrow. I been paying my escrow every month since i moved in. and it makes no sense for the balance to be negative. Im attaching my previous bank response to my complaint. As well as my counties documents showing there was no XXXX tax bill and there was a one time restored tax for XXXX which my escrow should cover since they didnt pay a bill for the previous year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: TX

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 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am very distressed to see that inaccurately reported accounts continue to remain on my credit reports despite my efforts to address them. This situation has caused me significant stress and frustration. I respectfully ask that the documents I submitted be carefully examined so these accounts can be properly addressed and I can finally have peace of mind.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase Bank. I can't make certain purchases that they deem unacceptable. I said I would go to a branch and get real loud and angry and make a scene, but not a threat. They embellished the statement and said I made a physical threat, defamation against me, and discussed my private matters with outside parties. Privacy violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
On XX/XX/XXXX I paid my XXXX gold membership which is {$180.00} well I looked at my account and notice there was a pending hold for XXXX so I called bank ( current bank ) they advised me I had to wait til transaction post to account so at that point I blocked merchant then 32 days later it finally posted and was {$2300.00} XXXX immediately called bank to dispute and uploaded receipts.the next day dispute was updated saying I lost so I did appeal and uploaded another receipt and next day it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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
State: MD

Complaint narrative:
On XX/XX/year> at XXXX AM, I received a call from Bank of America representative XXXX regarding my dispute case. During this call, she informed me that the $ XXXX in monetary relief reported in my file did not come from Bank of America . She stated it came from the merchant office and the bank simply applied it to my negative balance. This means Bank of America provided no monetary relief, despite reporting otherwise.XXXX also stated that my claims were denied by an employee named XXXX, and that she would pretty much deny mine also, indicating predetermination and a failure to conduct an independent Regulation E investigation.She further admitted that the bank uses the same documents and the same denial letter for all claims, and that no supporting documents are mailed with the denial. This violates Regulation E, which requires the bank to provide the evidence relied upon.When I clarified that my dispute involved duplicate unauthorized charges that posted multiple times to my account, she insisted they were duplicate claims, not duplicate charges. This is a misclassification that prevents proper investigation.Bank of America is misreporting relief, misclassifying transactions, failing to provide documentation, and predetermining outcomes. I am requesting a full transactionlevel audit, documentation for each denial as they work the claims since there so many merge into one and reassignment to a new investigator due to procedural violations. I went on favorited had to use my face to see what was going on that the pic they have of 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 monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Block, Inc.
State: MA

Complaint narrative:
My ex is my stealing n changing all my info to my cash app bank I made police report n told him to stop he stole all my cards and has access to my email

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried to do an ACH transfer {$3300.00} from XXXX XXXX XXXX to Chase Bank on XX/XX/year>. It cleared my XXXX account but it was never deposited into Chase. When I linked the two accounts through my XXXX XXXX, XXXX made two micro deposits into my Chase account to verify the account, and it showed up, and got verified in XXXX. XX/XX/year>, I received the two micro deposits of {$0.00} & {$0.00} into my Chase account. It was also taken out immediately on XX/XX/XXXX, for {$0.00} I have since called XXXX and Chase to try to get this resolved. Chase said they do not accept trace numbers and are unable to locate the money, and do not see it in my account. XXXX can not recall the funds because it has already fully left their bank. I've since continued to transfer funds from my Chase account to my XXXX account with no issue, so I don't know what the problem is. It does seem that after verifying the account, the numbers that ended up being saved in XXXX is different than my actual numbers, but Chase said they don't do virtual numbers.

Company response to consumer: Closed with explanation