vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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: DISCOVER BANK
State: GA

Complaint narrative:
COMPLAINT : Discover Card Failed to Properly Investigate Chargeback Despite Clear Evidence of Unauthorized Charge Dispute Number : XXXX Disputed Amount : {$220.00} Merchant : XXXX XXXX ( XXXX ) Transaction Date : XX/XX/XXXX TIMELINE OF EVENTS : In XX/XX/XXXX, I signed a service agreement with XXXXXXXX XXXX XXXX XXXX  compliance services. 
On XXXX XXXX XXXX, I sent written cancellation requests via email to XXXX 's XXXX contacts requesting immediate termination of all services and cessation of all charges to my card. 
In XX/XX/XXXX, XXXX confirmed my disengagement via XXXX XXXX # XXXX ( Status : XXXX ). Their representative wrote : " That's no problem, I'm happy to mark you as disengaged. '' On XX/XX/XXXX, XXXX representative XXXX confirmed in writing : " I can confirm that your new provider is now authorised as your agent instead of us. '' This proves services ended on XX/XX/XXXX. 
On XX/XX/XXXX, XXXX charged my Discover card {$220.00} nearly XXXX  MONTHS AFTER they confirmed services had ended. 
In XX/XX/XXXX, XXXX representative XXXX XXXX again confirmed : " XXXX  is no longer the authorized agent on the account. '' MY DISPUTE WITH DISCOVER : I filed a chargeback dispute with Discover Card. I submitted documentary evidence including : Email cancellation requests ( XX/XX/XXXX ) XXXX support ticket confirming disengagement ( Status : XXXX ) XXXX email confirming they were no longer my agent ( XX/XX/XXXX ) XXXX XXXX own Terms and Conditions showing they violated Clauses XXXX, XXXX, and XXXX Despite this clear evidence that the charge was unauthorized ( processed XXXX  months after the merchant confirmed services ended ), Discover ruled in favor of the merchant XXXX times. 
DISCOVER 'S FAILURE : Discover failed to properly consider the documentary evidence showing the merchant 's own written admissions that : I requested cancellation They confirmed my disengagement They confirmed they were no longer my agent BEFORE the charge was processed The merchant can not claim the charge was valid when their own employees confirmed in writing that services had ended months before the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NJ

Complaint narrative:
I didnt know my card was stolen a few years ago. But when I went to use the account, I noticed transactions I didnt make. I only used that account to make payments for my business, and nothing went out. When I followed their steps to dispute them, I was treated like I was doing something wrong. Even the guy, XXXX, agreed they were trying to use my card when I put money on it. Also, I have a personal account. When I disputed my transactions with XXXX, they closed my account, saying I violated the policy. But when I contacted XXXX, they started giving me the runaround. I went to Cash App, as they said, if the merchant isnt helping, to do the dispute with them. In the process, I told XXXX I would contact my bank. They issued a refund for me, and Cash App said I was trying to commit fraud. But how? I never made those transactions. I have XXXX cards, and I lost XXXX to that account. My old card from my personal account was in my wallet, and I thought that was the card the whole time until I realized the numbers didnt match. I immediately canceled the card and contacted Cash App! How am I wrong? They refunded XXXX transaction and then said I was committing fraud. How? If I didnt use the card for over a year, didnt know it was stolen, and when I did, I reported it. In XXXX of last year, I filed an identity theft report online!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I dont know how I owe any money to this company. I have never heard of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
We obtained a third-party loan in the amount of {$550000.00}. Due to a processing error on the third-party banking side, {$500000.00} of the loan proceeds were disbursed incorrectly. XXXX days later, we were notified of the error ; however, by that time, the funds had already been wired to XXXX XXXX, where we also maintain an account, in the ordinary course of business and without knowledge of any issue. 
Immediately upon notification, we acted in good faith and worked collaboratively with XXXX XXXX, Citi, and the sender to reverse the wire and correct the error. Both the sender and Citi confirmed that the matter was under review and, more recently, that it was in the final stages of review. Despite these representations, Citi has continued to hold all funds for more than XXXX additional weeks without resolution. 
During this time, Citi closed our account and has refused to provide updates regarding the status of the funds, when they may be released, or what stepsif anyremain outstanding. This includes funds held in the account that are entirely unrelated to the disputed transaction. The lack of communication has persisted despite daily outreach for several weeks by both our company and the third-party banks compliance leadership, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
At no point did our company engage in misconduct, unauthorized activity, or any attempt to misdirect or retain funds improperly. The issue arose solely from a third-party banking error, and we have demonstrated consistent, good-faith efforts to remediate the situation promptly and transparently. Nevertheless, Citi has not provided substantive engagement, a clear explanation, or a timeline for access to our funds, creating ongoing operational and financial harm.

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 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am filing this complaint regarding Genesis XXXX / Columbia Debt Recovery. I have made repeated good-faith attempts to resolve a housing-related collection account, including written settlement offers and direct outreach to senior leadership. 

Instead of responding, the company has blocked my email communications entirely, including replies to messages they initiated. Certified written correspondence has also gone unanswered. 

I am not refusing to resolve the account. I am attempting to settle it within my documented financial and medical limitations. Blocking communication while continuing to report the account prevents resolution and creates ongoing harm, including inability to secure housing. 

I am requesting regulatory assistance to require Genesis XXXX to acknowledge my communications and either respond to my settlement proposal or clearly state their position. 

I am not asking for a determination of liability only that the company be required to engage in good-faith communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am writing to formally dispute a debt that Credence Resource Management claims I owe. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please note the following : I request a detailed verification of the debt, including the original creditor, the amount claimed, and any documents showing that I am legally obligated to pay this debt. 
I am requesting that all collection activities cease until the debt is properly validated. 
Any reporting of this debt to credit reporting agencies should also be suspended until proper validation is provided. 

I am also submitting a complaint with the CFPB because I have not received proper validation, and I believe this debt may be inaccurate or improperly reported. 

Attached are copies of any relevant documents for your reference. Please investigate this matter and respond promptly. 

Thank you for your attention to this matter. 

XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX XXXX  set on XXXX for {$230.00} using PayPal Pay Monthly ( XXXX plan ). The listing represented that the item shipped from a XXXX warehouse ( XXXX XXXX ). 

Before the item was shipped, I asked the seller to hold/cancel the order on XX/XX/year> at XXXX AM and submitted an official cancellation request at XXXX AM. The seller claimed the item had already shipped, but XXXX  tracking shows the shipment label was not created until XX/XX/XXXX at XXXX PM ( hours after my cancellation request ), and the package first arrived at a XXXX  facility later that evening. 

The tracking also showed the package originated from XXXX XXXX XXXX XXXX XXXX  ), and when attempting to return the item, the return address provided was in XXXX XXXX, XXXX. International return shipping was not clearly disclosed prior to purchase and would cost several XXXX dollars. 

When the package arrived, it was labeled under XXXX different names ( XXXX XXXX and XXXX XXXX ) but with my address, which further indicates shipping inconsistencies and misrepresentation. 

I attempted to resolve the issue through the seller and XXXX, but the seller refused cancellation and return. I am still being charged through PayPal Pay Monthly for a transaction that was misrepresented and would require unreasonable international return shipping. 

I am requesting that PayPal review this dispute fairly, stop the payment obligation, and issue a full refund/reversal due to misrepresentation and failure to honor a cancellation request prior to shipment.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding my Capital One Platinum Secured Credit Card ending in XXXX, which I opened on XX/XX/year> with a {$200.00} credit limit. At the time the account was opened, I was informed that the card would be eligible for credit limit increases and potential graduation to an unsecured card, typically after approximately XXXX months of responsible use. 
Since opening the account, I have never missed a payment and have maintained the account in good standing. Despite this positive payment history, my credit limit has remained at {$200.00}, and I was recently informed that my account does not qualify for graduation to an unsecured card or for a refund of my {$99.00} security deposit. 
I contacted Capital One at XXXX to request clarification. During this call, I was told that I do not qualify for graduation or a deposit refund. When I asked for the reason, the representative stated, we do not know. I then asked what steps I could take to qualify or what criteria are used to determine eligibility, and the response remained the same. When I requested clarification regarding the specific requirements for my account to graduate, no explanation was provided. Additionally, the representative was dismissive and advised me not to continue asking questions. 
My concern is that Capital One appears unable or unwilling to provide clear criteria or justification for denying graduation and a deposit refund, despite prior representations and my consistent on-time payment history. I am requesting transparency regarding the graduation criteria for my account and a formal review of my eligibility for an unsecured card and the return of my security deposit. 
Please also note that I currently have another Capital One credit card that has already graduated to unsecured status, which further raises concern as to why my security deposit continues to be held without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 2026-01-22 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: NJ

Complaint narrative:
I am writing to dispute a collection account from EQUIFAX that is being reported on my credit file, which I do not recognize. XXXXXXXX XXXX XXXXXXXX date opened was XX/XX/XXXX and XXXXXXXX XXXX XXXX XXXXXXXX date opened was XX/XX/XXXX, these are the accounts I do not recognize, I have no knowledge of these accounts and did not authorize any party to report it. I contacted the collection agency asking for the proper validation but they did not provide me. The reporting of these accounts violates 15 U.S.C. 1681b, which prohibits the reporting of accounts without permissible purpose and my authorization. This also violates 15 U.S.C 1681e ( b ) for reporting an unverified information that takes away the maximum possible accuracy of the report. This unrecognized collection account is severely affecting my credit score and is lowering my chances of being approved for loan applications. I request immediate investigation into this matter and the removal of this unrecognized collection account from my credit report. Please provide written confirmation once this has been resolved. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IN

Complaint narrative:
I contaced EdFinancial regarding the payments on my XXXX XXXX loan, on XX/XX/XXXX at approximately XXXX et. I did this via " Chat '' online. I spoke to " XXXX ''. At that time there was an agreement made to do a forebearance on my loan. The forebearance was to be through XX/XX/XXXX, with the next payment being due XX/XX/XXXX. During this conversation, " XXXX '' stated my " next due date is XX/XX/XXXX in the amount of {$39.00}. 
I logged into my account yesterday, XX/XX/XXXX, to get the information needed so that I could send a check for my payment, due XX/XX/XXXX. The website shows my amount due as {$43.00} and due on XX/XX/XXXX. I contacted the company again, via " Chat '' online, and spoke to " XXXX ''. I asked why the difference in the payment that was made in the agreement in XXXX and what is showing online. She told me that my payments increase every XXXX  months. I attempted to explain to her that there was an agreement made for {$39.00} beginning XX/XX/XXXX. She kept telling me that my payments increase every XXXX  months. I told her that the agreement was made to start in XX/XX/XXXX so the XXXX  month increase should be XXXX  months from XX/XX/XXXX due to the new agreement that was made. 
" XXXX '' told me that the payment due is {$43.00} and she couldn't help me unless I wanted to do a repayment calculation. I told her I did not wish to do that, I wished to pay per the agreement that was made on XXXX. I explained this was an agreement made between and employee of EdFinancial and myself so it is a legally binding agreement. She continued to tell me that the payment was {$43.00} and there was nothing further she could do to help me unless I wanted to do a repayment calculation. Again, I did not wish to do that. 
I then told her that I would be filing an FDCPA violatoin against the company for not following through with an agreement that was made for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern,\n\nThis letter is sent in response to the document you recently provided regarding the above-referenced account. The document received consists of a billing statement or account summary.\n\nThis response does not constitute proper validation of the alleged debt.\n\nPursuant to the Fair Debt Collection Practices Act, 15 U.S.C.  1692g(b), I am formally disputing this alleged debt and requesting competent validation and verification. Additionally, pursuant to the Fair Credit Reporting Act, 15 U.S.C.  1681s-2(b), you are required to conduct a reasonable investigation and ensure that any information furnished or reported is accurate, complete, and verifiable.\n\nA billing statement or internal account record does not establish liability, does not prove the existence of a legally enforceable obligation, and does not satisfy your obligations under federal law.\n\nAccordingly, I am requesting proper validation, including but not limited to:\n\n1. Documentation bearing my signature showing that I agreed to the alleged obligation;\n2. Proof that you have the legal right to collect the alleged debt;\n3. Documentation establishing the amount claimed, including how it was calculated;\n4. Verification that the alleged debt is accurate and properly attributable to me.\n\nUntil such verification is provided, this account remains formally disputed. Under the FDCPA, you must cease collection activity until validation is provided. Under the FCRA, you may not report or continue to report information that is unverified or inaccurate.\n\nThis letter is sent to preserve my rights and to establish the record. It is not a refusal to pay, but a lawful request for verification as provided by federal statute.\n\nGovern yourselves accordingly.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
Since XX/XX/XXXX I have been in constant email contact with XXXX Mortgage XXXX regarding the error in my property tax increase that they are claiming. I have provided repeated documentation directly from the XXXX XXXX XXXX XXXX showing the error in XXXX 's calculations. XXXX is claiming that my property taxes have increased {$940.00} resulting in a Escrow shortage of {$1800.00} when in actuality my property taxes have only increased {$27.00} for XXXX, payable in XXXX. Then XXXX came back with a new figure for the shortage of {$1700.00} which is still not correct. The {$940.00} tax increase XXXX is claiming was from XXXX which was paid in XXXX. XXXX is not using current tax information which not only I have supplied them with but the XXXX XXXX XXXX XXXX XXXX sent them directly. The only other increase that is expected this year is from my XXXX XXXX XXXX XXXX in the amount of {$120.00} after the XX/XX/XXXX renewal date. 
XXXX paid in XXXX property taxes were {$2100.00} ; XXXX paid in XXXX property taxes were {$3000.00} and XXXX property taxes to be paid in XXXX are {$3000.00} = an increase on {$27.00}. 
XXXX XXXX is stating that unless I make a XXXX time Escrow payment in the amount of {$1700.00} by XXXX/XXXX/XXXX my monthly house payment will increase from {$780.00} to $ XXXX.My last correspondence with XXXX was XXXX at approx. XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation