vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
My account with Robinhood XXXX was restricted and deactivated in 2025. As a result of the restriction, I am unable to contact Robinhood support in any way. I can not contact them via phone, via email ( emails to XXXX or XXXX send back automated responses that my account was deactivated and no response will be made ), or via app ( chat feature has been disabled ). I need help accessing a .csv file of my crypto account 's complete transaction history, for the purpose of completing my accounting for my federal and state taxes. However, I have no way to access this data, which is not available in app. As mentioned previously, all support contacts are automatically closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint regarding a misleading and unclear adverse action notice I received from XXXX XXXX dated XX/XX/year> ( Reference Number : XXXX ). I applied for a XXXX credit card and was denied. The stated reason for denial was " THE NUMBER OF ACCOUNTS WITH XXXX. '' I currently hold only one ( 1 ) XXXX account. However, I also hold three ( 3 ) Capital One accounts. XXXX XXXX 's denial letter does not disclose that Capital One accounts are factored into their " number of accounts with XXXX '' policy. Since XXXX XXXX is now issued by Capital One, N.A. ( as stated on the denial letter itself ), it appears their internal systems are counting my Capital One accounts against a XXXX-specific account limit without any disclosure of this policy to consumers. Under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ), adverse action notices must provide a clear, specific, and accurate reason for denial. A notice citing " number of accounts with XXXX '' when the actual basis includes Capital One accounts is misleading and fails to give me a genuine opportunity to understand or address the decision. I am requesting that : XXXX. XXXXCapital One provide a clear and accurate explanation of their account limit policy, including whether Capital One accounts are counted toward XXXX 's limit. 2. XXXX reconsider my application with full transparency about how the decision was made. 3. The CFPB investigate whether XXXX is issuing misleading adverse action notices to other consumers as a result of the Capital One merger.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by LVNV Funding LLC, serviced by Resurgent Capital Services, on my consumer credit reports. Account Information : Creditor : LVNV Funding LLC c/o Resurgent Capital Services Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Current Balance Reported : {$740.00} Original Balance Reported : {$640.00} Date Opened : XX/XX/XXXX Status : Collection / Charge-Off Date Reported : XX/XX/XXXX I dispute the accuracy and completeness of this account as it is currently being reported. The credit report contains the remark " Account information disputed by consumer, meets FCRA requirements, '' yet I have concerns regarding the validity and verification of the debt. Specifically, I am requesting that LVNV Funding LLC and Resurgent Capital Services provide : Documentation proving I am legally responsible for this debt. A complete payment and account history from the original creditor. Documentation showing the lawful transfer or assignment of the debt from the original creditor to LVNV Funding LLC. Verification of how the reported balance of {$740.00} was calculated when the original balance is reported as {$640.00}. Copies of any contracts, agreements, or account statements bearing my signature or demonstrating my obligation to pay this debt. If the company can not provide competent evidence verifying the debt and the accuracy of the information being reported, I request that the account be deleted from all consumer reporting agencies pursuant to the Fair Credit Reporting Act ( FCRA ). I also request that the CFPB investigate whether LVNV Funding LLC and Resurgent Capital Services have complied with all applicable requirements of the FCRA and Fair Debt Collection Practices Act ( FDCPA ) regarding debt validation, accuracy of reporting, and dispute investigation procedures. I expect a thorough investigation and a written response with supporting documentation. Thank you for your assistance. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/year>, I purchased three pieces of furniture from two vendors who both used Synchrony bank credit card. I called Synchrony this afternoon to see why my monthly payments the past two months have increased rather than decreased. I was told that a 12-month promotional period had expired. Interest of 34.99 % has been charged from THE DATE OF PURCHASE if the promotional purchase was not paid in full within the promotional period. When I set up the payment plan to have monthly withdrawals from my checking account, I was under the assumption that the balance would be paid in full after 12 months. The furniture total purchase price was {$5000.00}, I have paid {$2000.00} in monthly installments since XX/XX/year>, plus {$720.00} down payment. I told Synchrony I was unaware of a promotional period of 12 months and asked if there was anyway possible to get out from under the interest charged. I was told there was no way around not paying them. Rather than continue to rack up interest charges, I gave them my bank routing and account numbers to withdraw {$3900.00} from my checking account to complete payment in full. By my calculation, I have paid {$6700.00} for furniture sold to me for {$5000.00}. I now understand there was a promotional period and that interest of 34.99 % would be charged, but I do not think its fair that interest is charged from the date of purchase. I think its reasonable to pay interest owed after the 12 months. Thank you for your help.

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 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
I disputed this alleged judgment debt in writing on XX/XX/year>, and again on XX/XX/year>. Eaton Group received both certified letters, as confirmed by XXXX tracking and the attached PS 3811 green cards ( delivered XX/XX/XXXX and XX/XX/XXXX ) They have not provided any validation, documentation, proof of ownership, proof of service, or accounting. Their XX/XX/XXXX letter states they must stop collection and provide validation if I dispute by XX/XX/year>. I disputed well before that date, yet they continued collection activity without providing any of the required information. I am requesting CFPB assistance to obtain validation and stop further collection attempts until they comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding repeated denials for a PayPal Credit account and their complete failure to provide any means of identity verification or resolution. On XX/XX/2026, I was denied for a PayPal Credit account ( Reference : XXXX ). The denial letter, dated XX/XX/2026, states the reason for denial as " identity theft risk factors associated with your request. '' I have applied multiple times and have been denied each time for the same reason. Despite repeated inquiries to both PayPal and Synchrony Bank, I have received no response and have been given no process or pathway to : Identify what specific information triggered the identity theft flag Submit documentation to authenticate or verify my identity Dispute any fraudulent or inaccurate information that may be associated with my name or records This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : Under FCRA Section 615, I am entitled to know the specific reasons for an adverse action taken against me based on my consumer report. Under FCRA Section 605B, I have the right to block information resulting from identity theft. I have been denied any reasonable opportunity to exercise these rights.

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 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
A debt collection law firm, Selip & Stylianou , LLP, is attempting to collect on a XXXX XXXX account that was opened fraudulently without my knowledge or consent. I am a victim of identity theft and never opened, authorized, or used this XXXX XXXX account. I have filed an FTC Identity Theft Report, disputed this account with all three credit bureaus under FCRA Section 605B, and filed a separate CFPB complaint against XXXX XXXX. Despite this, Selip & Stylianou , LLP continues collection activity on a debt I do not owe. I have also sent a written Debt Validation Letter to Selip & Stylianou demanding they cease collection and provide proof the debt is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I disputed a collection account reported by Jefferson Capital Systems LLC and requested validation of the debt. In response, Jefferson Capital Systems LLC provided only historical account statements from XXXX XXXX. While these documents may show that an account once existed, they do not establish that Jefferson Capital Systems LLC owns the account or has the legal authority to collect it. No documentation was provided showing that the account was sold, assigned, or transferred to Jefferson Capital Systems LLC. They also did not provide any evidence establishing a chain of title linking the account to their company. Despite this, the account continues to be reported to credit bureaus as verified. Additionally, a third-party collector, XXXX XXXX XXXX XXXX has contacted me regarding this account without providing sufficient identifying information or documentation establishing their authority to collect. I formally dispute this debt. The information provided does not support ownership or authority to collect, and the continued reporting and collection activity appear to be based on incomplete and insufficient verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I am formally filing a complaint against OneMain Financial for reporting an inaccurate deficiency balance and failing to apply a documented refund to my account. The original principal on this vehicle loan was approximately {$5900.00}. Following a voluntary surrender of the vehicle ( a XXXX XXXX Versa Note, XXXX : XXXX ), the vehicle was sold for {$2500.00}. Despite this, OneMain Financial is actively reporting an inflated deficiency balance of {$10000.00} and allowing it to negatively impact my credit score by XXXX points while I am trying to qualify for a home mortgage. Furthermore, I have explicit documentation from OneMain dated XX/XX/XXXX, confirming an insurance premium refund of {$760.00} for XXXX XXXX and an interest adjustment. However, on their official " Explanation of XXXX '' statement, they list unearned insurance premiums as " N/A '' and have completely failed to credit this {$760.00} to my final balance. OneMain is currently reporting an inaccurate and legally non-compliant balance to the credit bureaus. I attempted to settle this matter in good faith for {$1500.00} based on their accounting errors, but they refused to fix their ledger or cooperate with a fair reporting status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I used a Wells Fargo atm machine. It kept my card and destroyed it. The support told me that they destroyed my property without my consent and that I would have to fix it myself with my own 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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: IL

Complaint narrative:
I performed a total of 3 cryptocurrency transactions for a total of {$2000.00} ; I used two different debit cards at two different banks for these transactions. The transactions on XXXX said " failed '' and they never delivered the cryptocurrency ; they first assured me the transactions would " roll off '' the card " in a few days ''. They did not. They held the funds/transaction open for XXXX WEEKS and then KEPT THE FUNDS and still never delivered the cryptocurrency ; I filed complaints with both banks, who initially offered provisional credit, then reversed the transactions and, when this caused my balance to go negative, they filed XXXX reports on me. Now I can't open up a bank account. I have prepared a civil complaint, here 's more detail than you probabaly wanted : the first three claims in the complaint which include dates, times, amounts down to the penny, identify the banks, transaction numbers, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I disputed a collection account being reported by Caine & Weiner on my credit reports. Following my disputes, the account was deleted from XXXX and XXXX on or about XX/XX/year>. After the deletion, I requested validation of the debt and requested documentation supporting the amount being reported, proof of the collection agency 's authority to collect and report the debt, and documentation establishing the basis for verification of the account. In response, the company provided only a copy of the first page of a billing statement from the original creditor. The company did not provide documentation establishing its authority to collect, documentation supporting the verification of the account, or documentation supporting the reinsertion of the account after it had been deleted. Despite the prior deletion, the collection account was reinserted and reported again to the credit bureaus on or about XX/XX/year>. I am requesting that the company provide documentation supporting the accuracy of the information being reported, documentation establishing its authority to collect and furnish information regarding this debt, and an explanation of the basis for the reinsertion of the account after it was previously removed following a dispute investigation. If the company can not provide sufficient documentation supporting the reporting of this account, I request that the account be removed from my credit reports and that all inaccurate information be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
So I have been trying to apply for a assistance with my mortgage company and I explained to them before many times that the co owner is unwilling and un cooperative and has abandoned the house for years now and is unwilling help with getting the assistance I need, and I explained them to that it is a fha Loan and that it states on the website that if a co owner is unwilling or un cooperative FHA rules state that I do not need his signature to get a loan modification or any type of assistance and before when I applied I didnt need is signature and I was able to submit and apply for it with just my signature and not his so now all of sudden I need his? And that didnt listen to me and I asked to speak to a supervisor and they never called me back either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
XXXX XXXX has merged into PNC bank. A transition date from accounts with the former to the latter is to occur between XX/XX/XXXX and XX/XX/XXXX. In the meantime, logging into the XXXX website to access account information arrives at a page that calls for enrollment in PNC accounts but provides no access to the XXXX information. In short, PNC is forcing enrollment by blocking normal access to XXXX accounts. PNC actions are a violation of consumer protection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I bought my vehicle in late XXXX through XXXX XXXX IN XXXX, XXXX financed my vehicle through Ally Auto. In XX/XX/XXXX, I sent a payment/check as instructed. As I refinanced my vehicle with another bank ( XXXX XXXX XXXX XXXX ) I was later told that the check was short and that I needed to send additional funds. I followed the instructions provided by Ally representatives and made the requested payment. Despite following Allys directions, I was charged additional amounts and suffered negative consequences, including damage to my credit. I believe these charges and reporting resulted from misinformation or mishandling by Ally, not from any failure on my part to make payments as instructed. I am requesting that Ally review all account records and phone recordings, refund the approximately {$570.00} that I paid as a result of this issue, and correct any inaccurate credit reporting related to these events. As initially the payoff amount was to be {$21000.00} and it went up to {$21000.00}. When this couldve been avoided. I have documentation of my payments and am willing to provide additional information if needed.

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
Yes on XXXX XXXX my federal tax refund was deposited into my account and when i got out of prison i expected my money to be there but it wasnt and when i went into my Chime app i seen where all XXXX was transferred to another chime account which i didnt recognize and when i brought it to chime attention twice ( with the proof i was incarcerated ) they denied it which i don't understand this is the second time this has happened the other time was XXXX XXXX in the amount of XXXX and i was transferred to someone cash app named XXXX XXXX XXXX Im not understanding how this keep happening and not being resolved. Please help me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
{$7200.00} withdrawn from my chase business account on XXXX ( 8 transactions ranging from $ XXXX {$970.00} ) sent to a XXXX account ending in XXXX. Chase fraud claim denied- XXXX XXXX couldn't help either. {$42.00} in additional charges for ACH/XXXX payment fees. This transaction was not authorized and I have no idea how it could've happened. I've never given out my information and no else has access to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
My checking account had 2 fraudulent checks that were cashed. The first check was cashed on XX/XX/year> in the amount of {$5000.00}. The check was payable to a XXXX XXXX and the back of the check was endorsed by XXXX XXXX. The first check was # XXXX. The 2nd check was cashed on XX/XX/year> in the amount of {$5000.00} again. It appears to be the same exact check but the only difference is the check number # XXXX. It was also written out to XXXX XXXX and endorsed by XXXX XXXX. We are XXXX XXXX and do not have online banking access. The bank statements did not come with copies of the cashed checks. I received one statement around XX/XX/year> and then I received 2nd bank statement mail on XX/XX/year>. During XXXX XXXX my husband was XXXX and I was not home. I immediately went to the bank on XX/XX/year> to confirm what these debits were for and discovered they were fraudulent checks. Santander bank is denying their liability since theyre claiming we didnt notify them within 30 days after the statement was made available. I still have check # XXXX in my possession, which Ive attached a photo of. The back of the fake checks look completely different from my normal Santander checks along with the pay to the order of and endorsed name being different. These checks should have never been cleared by Santander.

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