vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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: KY

Complaint narrative:
I am filing this complaint because Capital One failed to conduct a reasonable investigation and refused to reopen my dispute ( Case # XXXX ) despite new, conclusive evidence of merchant fraud and professional negligence by XXXX The merchant contracted for a XXXX tour but falsified the visa application as " XXXX Only XXXX without my consent. The XXXX rejected the visa because the merchant 's XXXX itinerary contradicted my XXXX verbal testimony. Furthermore, I attempted to submit this new evidence to Capital One via phone, but the agent refused to provide an upload link or reopen the case. This is a denial of my right to a fair investigation under the XXXX. I have actual receipts proving I paid for my own travel ( {$1700.00} via XXXX ) and no services were rendered by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I explained to TSI ( Transworld System Inc ) that I dont owe the debt to XXXX XXXX apartments because my lease was up in XXXX of XXXX and I emailed the apartment XX/XX/XXXX that I will not be renewing my lease. The apartment complex emailed me back saying that theyre so sorry to see me go and to make sure that I give them my key whenever I leave. Fast forward XX/XX/XXXX XXXX farms is trying to charge me XXXX for the month of XXXX and their excuse was that I didnt email them about my departure. So when I sent them the emails that we previously had they told me that theyre so sorry never received it but thats untrue because they emailed me back. Fast forward again XX/XX/XXXX I see TSI on my credit report and when I asked them what this is about they explained to me that XX/XX/XXXX Valley farms sent {$1800.00} to them because I didnt notify them of my debt plus theyre charging a cleaning a fee and a water fee which are charges that are covered by the security deposit that I made per my leasing agreement. I sent everything over to Experian and the information to TSI and TSI sent me an email saying that XXXX XXXX said that I owe them the debt and that they will not be disputing the collection. Keep in mind I send over my leasing agreement showing that my lease was from XXXX through XXXX and where is says that my security deposit would cover any cleaning fees damages or utility fees along with our previous email with them being notified that I was not renewing my lease. What they are doing a Fraud and is against the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX | XXXX XXXX : XX/XX/XXXX | XXXX : XXXX Date : XX/XX/XXXX To : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : All Accounts Reported by XXXX To Whom It May Concern : I am formally disputing all accounts reported under my name by XXXX to credit reporting agencies. I assert that these accounts may contain inaccurate, incomplete, or unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681i and 1681s-2. Dispute Points : 1. Reporting of obsolete information that exceeds the seven-year reporting limit. 2. Accounts with invalid, inconsistent, or unverifiable dates. 3. Incomplete documentation of account verification, including missing original agreements, payment histories, dates of first delinquency, and chain of ownership. Requested Action : Provide full verification for each account reported, including the original creditor, account number, balance, first delinquency date, payment history, and ownership chain. Immediately cease reporting any unverifiable or inaccurate information. Delete any account that can not be fully verified as accurate and legally reportable. Please consider this a formal notice to cease and desist reporting inaccurate or misleading information. Failure to comply may result in filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all remedies available under the FCRA. I request written confirmation of investigation results and any corrective actions taken. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX did not send out my XXXX XXXX card for XXXX until after XXXX weeks. It was only triggered because I had received my second payment already. Calling the first customer representative they could not get their system up and running. The second representative I was moved too volume was super low and could barely hear them. They said the card was issued today XXXX days later and no way to expedite it our issue a new card and expedite since it is the first card. Even forwarded to manager they could not help. So now it's been almost a month and a halve on XXXX and no way to pay my bills. Why is the state of XXXX XXXX using such a horrible service and not doing direct deposit like unemployment insurance has and use the same system for temporary XXXX? There a numerous horror story complaints online about this and other services from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX. If there was direct deposit I would have had access to my money weeks ago. Very Disappointed, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
In my last attempt to reach out to this company the debt in question was assumed valid but there was no attachment proving that a surety bond was filed with the XXXX. Once again Under Section 392.101 of the Texas Finance Code, any third-party debt collector or credit bureau must maintain this bond. This company was checked again for this bond and once again nothing on file. I wanted to bring this matter to the companys attention one last time before filing with the Texas Attorney General for illegal collection practice in Texas since there is no bond on file nor was a copy of this bond attached to the assumed valid debt. The proof was never provided and complaint fully answered. This Dad needs to be removed from my credit report immediately if there is no surety bond on file in Texas. I have attached proof of no surety bond filed with the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I am a victim of identity theft, and during the government shutdown for over a month and a half, I reached out for assistance but was denied help. This situation has caused a major hardship for me, and XXXX made multiple attempts to resolve the matter the proper way. XXXX simply asking for support and guidance so this issue can be handled fairly and appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 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: PA

Complaint narrative:
On XX/XX/year>, an ach debit of {$9300.00} was unauthorized withdrawn out of my account. Chase has been given me run around with filing a claim/dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
Sunrise Credit Services is reporting a collection account on my consumer reports related to an alleged XXXX XXXX XXXX XXXX debt in the amount of approximately {$5700.00}. I dispute the validity and accuracy of this account. I do not believe the alleged debt has been properly verified or substantiated. The account is currently being reported to consumer reporting agencies and is negatively impacting my credit profile. On or about XX/XX/2026, I sent Sunrise Credit Services a written cease-and-desist and dispute letter requesting that they cease telephone and electronic communications regarding the alleged debt and provide validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I also requested that the company investigate the accuracy of the reporting and ensure that any information furnished to consumer reporting agencies is complete, accurate, and properly verified in accordance with the Fair Credit Reporting Act. My consumer reports additionally contain an active fraud alert, and I requested that any investigation or verification procedures take this into consideration. At this time, I remain concerned that the account continues to be reported without sufficient validation or documentation.t is disputed and must be removed. Be advised that I am documenting all communications and reserve all rights to file complaints with : Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year>, I purchased vitamin supplements from a company called XXXX XXXX. I saw this product advertised on the XXXX XXXX XXXX and decided to try it. The supplement is supposed to improve XXXX function. The company used XXXX as their delivery provider. I have a current XXXX XXXX account & they have my correct address on file. However, for some reason, the merchant shipped the product to my previous address. I did all possible to address this with the merchant prior to the actual shipping but wasn't successful. I contacted the merchant but they were of no help. I disputed the charge to my PayPal credit XXXX. I advised them that I had been billed for merchandise I never received and initiated a dispute. However, XXXX 's response was the merchant provided a tracking number indicating the merchandise had been delivered. Therefore, my dispute was denied.

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 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Meta Payments Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding an unauthorized {$500.00} deduction connected to a XXXX XXXX payment transaction that was never successfully completed. On the date of the transaction, I attempted to send {$500.00} to a recipient through XXXX XXXX XXXX XXXX During the transaction process, I received an error message stating that the payment could not be completed. However, despite the error message, the {$500.00} was still deducted from my bank account. I immediately contacted customer support and was advised that the transaction was only pending and that I should wait 35 business days for the funds to be returned to my account if the payment did not process successfully. After waiting, the transaction is now showing as permanently posted and deducted from my bank account. However, when I check the XXXX conversation and payment history, the recipient never received the {$500.00}, and there is no completed transfer showing on the XXXX side. At this point, {$500.00} has been removed from my account without the payment being delivered to the recipient or returned to me. I am requesting an immediate investigation into this transaction and a full reimbursement of the missing funds. I also request clarification regarding how a transaction can permanently post to my account despite the platform generating an error message and failing to deliver the funds to the intended recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
HARRIS HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS HARRIS LTD 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 explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have been a loyal customer of PayPal for over XXXX years, making transactions and using my account to get paid for goods and services. Never once had a chargeback or dispute .. PayPal decided randomly to permanently freeze my account after I received a transaction of {$2200.00} from a customer. They requested documents, I provided the documents requested such as the signed agreement from the customer with total amount agreed to be paid, XXXX and registration documents .. all provided. PayPal support representatives continuously make false claims of 'escalation for review to withdraw funds ' and 'we will email you in XXXX hours ' but it's never an actual review and there's never a response email. PayPal has not provided any real reason and simply has said " I understand your concern however the review has been completed and the restriction on your account is final. Which puts your funds on hold and will immediately notify your once the funds are released and ready to be withdrawn from your account. For now we just need to wait for the email confirmation. ' which is a horrible way of support and function. I have stated to PayPal on multiple occasions that " I have obligations to my customers, and must get the funds to provide the services.. I do not care about being on this platform, but I do need to withdraw my funds. ' this is causing a lot of stress on me and business as I still have to provide these services to my clients while PayPal is holding my compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the account being reported by Midland Credit Management on my credit report. According to my credit report, this account reflects a balance of {$720.00} and is listed as a collection account. At this time, I am requesting full verification and validation of this alleged debt. Please provide all supporting documentation, including but not limited to : proof that this debt belongs to me, the original creditor information, a complete payment and account history, and documentation showing that Midland Credit Management has the legal authority to collect and report this account. Under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that this account be thoroughly investigated and verified. If you are unable to provide proper validation, I request that this account be removed from my credit report and that any inaccurate reporting cease immediately. I appreciate your prompt attention to this matter and look forward to your written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Failure to Return Funds ( {$50000.00} ) from Closed XXXX Account On XX/XX/XXXX, I initiated a wire transfer of {$50000.00} USD from my Chase XXXX account ( Account ending in XXXX ). The transaction number is XXXX. The wire was never received by the intended recipient. On XX/XX/XXXX, Chase unilaterally closed my business account. Because the account was closed while the returned wire was in transit, the {$50000.00} did not post back to my account and is currently unaccounted for. Customer service representatives informed me that the funds were returned to Chase and a refund check would be issued. As of late XXXX, I have not received any check. I have called customer service multiple times, only to be repeatedly transferred without resolution. I also visited a local Chase branch, where a representative stated they would " follow the case, '' but refused to provide a case number or any written documentation. Chase is currently withholding {$50000.00} of my business funds without a clear timeline for return. Standard customer service has proven incapable of locating the funds in their suspense ledgers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Unauthorized Loan Deposits/ Fraudulent Lending Activity Complaint Hello my name is XXXX XXXX, I am filing a complaint regarding a loan company that deposited checks/funds into my bank account without my authorization or consent. I did not knowingly agree to the loan terms, authorize the deposits, or sign any valid agreement permitting these transactions. After the deposits were made, the company began attempting to collect money and/or claim I owed repayment. This activity appears deceptive and potentially fraudulent. I believe this may be part of a scam or unauthorized lending operation. Details of the incident : * Date ( s ) of deposit : [ XX/XX/year> ] * Amount ( s ) deposited : 2 mobile deposit checks. * [ XXXX. For {$290.00} check # XXXX ] * [ XXXX check {$290.00} check # XXXX ] * Name of company : [ XXXX XXXX XXXX ] * Phone numbers/emails/websites used : * [ XXXX, XXXX ] * [ XXXX ] * [ XXXX ] * Bank involved : [ XXXX XXXX XXXX ] I have already contacted my bank to report the transactions as unauthorized and requested protections against additional withdrawals or activity. I am requesting that this matter be investigated for : * Unauthorized electronic transactions * Fraudulent lending practices * Potential identity theft or scam activity * Unfair or deceptive business practices I can provide supporting documentation including screenshots of the check deposits, email from my bank saying there is checks being deposited/ processed, & the email I received from the scammers. Thank you for your attention to this matter

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 2026-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AUTO FINANCE USA, LLC
State: GU

Complaint narrative:
Company : XXXX XXXX XXXX Reported Balance : {$26000.00} Original High Balance : {$42000.00} Account Opened : XX/XX/XXXXXXXX CFPB Complaint Text I am filing a complaint regarding inaccurate and potentially improper credit reporting associated with my auto loan account reported by XXXX XXXX XXXXXXXX. The account is currently being reported as closed while simultaneously showing a substantial balance and derogatory payment history. I dispute the accuracy, completeness, and investigation standards related to this reporting. The payment history displayed appears inconsistent and potentially misleading, including derogatory reporting for multiple months in XXXX and XXXX. I request verification of : * the complete payment history, * the dates and amounts of any alleged late payments, * the calculation of the remaining balance, * the status of the account, * whether the vehicle was repossessed or voluntarily surrendered, * and whether all reporting complies with the Fair Credit Reporting Act ( FCRA ). I also request documentation supporting : 1. The original loan agreement ; 2. The payment ledger and accounting records ; 3. Any repossession documentation ; 4. Sale records if the vehicle was sold ; 5. Calculation of any alleged deficiency balance ; 6. Proof the reported balance is accurate and legally collectible. The reporting of inaccurate or unverifiable information is causing significant damage to my credit profile. I am requesting that XXXX XXXX XXXX XXXX XXXX conduct a full investigation, * correct any inaccurate reporting, * provide complete validation and documentation, * and remove unverifiable derogatory information from all consumer reporting agencies. I also request CFPB review of whether the companys reporting and collection practices comply with federal consumer protection laws under the FCRA and FDCPA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation