vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 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: TX

Complaint narrative:
On XX/XX/year>, I initiated a purchase from XXXX XXXX XXXX but immediately realized the service was not usable or desired and attempted to cancel right away. During this cancellation process, I was charged a second time for the same service. These charges were not intentional completed purchases, but the result of a failed cancellation process. I contacted my credit card issuer immediately and was instructed to allow the charges to post before disputing them, which I did in good faith. The merchant is not reachable using the provided contact information, preventing any direct resolution. Despite this, my dispute was denied based solely on authorization, without evaluating whether these transactions constituted duplicate or erroneous charges. No evidence has been provided that I used or accessed the service. Both charges stem from the same failed cancellation event and do not represent intentional or completed purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
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 XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Debt Validation Request Under the FDCPA To Whom It May Concern : I am formally requesting validation of the alleged debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide full verification before any further collection activity. Specialty, I request : XXXX sighed purchase or assignment agreement, signed by all parties involved, showing a complete chain of title and legal transfer of the alleged debt. XXXXDocumentation proving your company is legally authorized to collect debts in my state, including your current state license and bond information. XXXXA full itemized accounting of the alleged debt, including original creditor, dates, amounts, and any added fees. Until this information is provided, you must cease all collection efforts, phone calls, and reporting to any credit bureau. Please note that I have been contacted by other debt collectors about this same alleged account, and therefore require strict proof of ownership and legal authority. This request is made pursuant to 15 USC 1692G and 15 USC 1692C. Any attempt to collect without proving proper validation will be documented as a violation. I expect your response within XXXX days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — Store credit 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: OH

Complaint narrative:
I lost a dispute with the Synchrony credit card company for a returned single item charge. I had returned the item to XXXX. XXXX sent an e-mail stating theyd received the returned item. I spoke on the phone with an XXXX XXXX XXXX rep on XX/XX/year> ( XXXX ), and the rep assured me that the product is returnable and started the return process, and that an XXXX truck would pick up the item. An XXXX semi trailer truck removed the item on XX/XX/year> ( XXXX XXXX # XXXX. A truck driver and helper loading the item onto the semi trailer. The Synchrony company alleges that I am responsible for the charge for the returned item. I have a copy of Synchronys e-mail confirmation that they initiated the dispute. Synchrony hard mailed their final decision to deny my dispute. To summarize Synchronys final disposition, the focus is on the purchase of the returned item, which was never in dispute, and XXXX return policy. The single item was a XXXX XXXX XXXXXXXX, lithium-battery-based, back-up power generator called the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The final cost of this item after tax, and as charged to the Synchrony credit card, was {$1500.00}. XXXX posted this product for sale on the XXXX site, XXXX either contacted the manufacturer to place the order or the order request was passed through electronically, and XXXX processed the return, making XXXX the intermediary of all sales and returns. This is why I contacted XXXX to process the return. I did not contact the manufacturer of the item who had shipped it directly to me using XXXX. I have never been late on a payment to Synchrony, and have always paid the full amount of every bill. How do I appeal this dispute resolution in my favor? Am I actually responsible for Synchronys failure to obtain a credit for a returned item? 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 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year>, I visited a Chase branch at XXXX XXXX XXXX in XXXX, IN to discuss banking services. During the visit, a Chase banker, XXXX XXXX, unpromptedly suggested I refinance my existing auto loan through Chase. I informed him that I was actively in the process of purchasing a home and was concerned about credit inquiries. Despite this, the banker encouraged me to proceed with the refinance application, representing it as beneficial, while failing to disclose that the application was unlikely to be approved based on the lending criteria he should have been aware of. The application was subsequently declined, resulting in an unnecessary hard inquiry on my credit report at a time when I am actively seeking a mortgage. This hard inquiry has the potential to negatively impact my credit score and mortgage terms during a critical period. I believe the banker 's conduct constitutes an unfair practice. He initiated the refinance discussion without my prompting, was aware I was in the home-buying process, and proceeded to submit an application he had reason to believe would be denied resulting in a hard credit pull with no benefit to me as a consumer. Additionally, I believe the banker 's conduct may have been motivated by discriminatory bias related to my spouse 's ethnicity. His demeanor and willingness to steer me into a detrimental financial product without regard for my stated goals suggest that he did not treat me with the same standard of care he would have provided to other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
We had foreign transaction fraud last XXXX and XX/XX/year> that was not authorized by us that well exceeded our credit limit. It was partially resolved but there is still an unresolved balance of {$5600.00} as of XXXX XXXX. We have contacted Citi bank several times and send detailed information but are not able to get information on the transactions in the unresolved balance to dispute the charges. It is now being reported for late payments and affecting our credit reports.

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 2026-03-31 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: CA

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 non-monetary relief
Consumer complaint received 2026-03-31 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint against JPMorgan Chase regarding a fraud claim that has now been denied multiple times, including a final review. Chase states that the transactions are valid but has failed to provide any specific evidence demonstrating that I personally authorized these transactions. I submitted documentation from XXXX XXXX confirming that, after their investigation, I am not responsible for the charges. This independent fraud determination was not meaningfully addressed in Chases response. Chases final letter states they will not review the case further without new information, yet they have not explained what evidence was used to reach their conclusion or why my submitted documentation was disregarded. Simply stating that a transaction appears authorized ( e.g., through a device or account access ) does not prove that I knowingly approved it, particularly when fraud has been confirmed by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I just opened an account with Bank of America, I deposited XXXX cash at an atm. The atm said there was an error and I took a photo. I am out of {$1000.00} cash, it was not credited to my account. I spent hours on the phone and the best they can do is an investigation that will take 14 business days. I went to the branch, and they said call the 800 number they can not do anything for 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 2026-03-31 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: OH

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOVERY A - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX failure to comply with a valid bank levy ( Writ of Execution XXXX ) issued by the XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the amount of {$12000.00} ( Case # XXXX ). Timeline of Events : XX/XX/XXXX : A XXXX was served by the XXXX XXXX Sheriff at the Wells Fargo XXXX XXXXXXXX XXXX in XXXX, CA. Service was accepted by XXXX XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX : I followed up via email and phone. Multiple bank representatives provided conflicting information. During phone calls, representatives admitted to an 'internal scanning or processing error ' and claimed page 2 of form XXXX was missing, despite the branch manager accepting the full packet. Late XX/XX/XXXX : After being told to fax the 'missing " page to re-process, the bank abruptly closed the case ( Case # XXXX ) claiming 'no account found. ' Evidence of Negligence & Disparate Treatment : Mirror Case Success : A near-identical levy against the same debtor ( XXXX XXXX XXXX XXXX was filed at the same time by another creditor ( Case # XXXX ). Wells Fargo proactively contacted that creditor, located the debtors account, and successfully processed that levy. Factual Inconsistency : It is legally and factually impossible for the bank to find the debtor 's account for one creditor while claiming 'no account found ' for my case, using the exact same debtor information and service date. Statutory Violation : Under California Code of Civil Procedure XXXX, the bank was required to return a Memorandum of Garnishee ( XXXX ) to the Sheriff within 10 days of service ( by XX/XX/XXXX ). They failed to provide a timely, consistent legal response.

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 2026-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I took my XXXX daughter to the emergency room at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas, after she suffered a clearly visible XXXX XXXX She was evaluated and an XXXX was performed. After several hours, the hospital informed us they could not treat her due to her XXXX and the need for a XXXX XXXXXXXX. She was discharged without definitive treatment and we were instructed to seek care elsewhere. The following day, her injury was properly treated by a XXXX outside of XXXX XXXX. Despite not providing definitive treatment, the hospital billed a XXXX XXXX XXXX XXXX visit ( approximately {$2400.00} ), along with additional charges. The total itemized hospital charges exceeded {$3200.00} before adjustments. On XX/XX/year>, I formally disputed this debt in writing with Medicredit XXXX XXXX, the collection agency attempting to collect on behalf of the hospital. I requested validation of the debt, including a full itemized bill and justification for the charges. In response, Medicredit only provided a basic itemized statement. They did not provide sufficient validation explaining how a XXXX XXXX emergency visit is justified when no definitive treatment was provided and the patient was discharged and referred elsewhere. The debt remains disputed. No further communication has been received from the collection agency since my dispute, and the matter has not been resolved. I believe : * The charges do not reflect the actual services provided * The billing level is inconsistent with the care rendered * The debt has not been properly validated I am requesting : 1. Full validation of the debt, including justification for the level of billing 2. Suspension of any collection activity 3. Correction or removal of the account if proper validation can not be provided This complaint is submitted in good faith to resolve a disputed medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I had a lease with Acima Leasing and exercised the early purchase option to pay off the lease in full. The payoff amount was withdrawn from my bank account on XX/XX/year>. The following day, I received an email stating that a renewal payment failed and that my lease needed to be reinstated. My lease should have already been paid in full and closed after the early purchase payoff. I was never notified of any failed transaction before the lease was reopened, and additional charges of approximately {$500.00} were added to my account. I am disputing these charges because I completed the early purchase payoff and the lease should have been closed. I am requesting that Acima correct my account, remove the additional charges, and confirm that my lease is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I attended XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) from XX/XX/XXXX to XX/XX/XXXX, then dropped out for XXXX weeks. I rejoined the school on XX/XX/XXXX as a full-time student and graduated on XX/XX/XXXX. I used Nelnet as my student loan provider to attend this school. Typically, the Nelnet grace period for student loans is XXXX months post-graduation or when classes taken drop below half-time, and then completely resets when rejoining school if the break or time attended is less than XXXX months. I rejoined the school as a full-time student on XX/XX/XXXX, which means my grace period should have reset completely. Only XXXX months after my graduation date, my repayments began on XX/XX/XXXX, which was earlier than they should have been. Due to repayments starting earlier than they should have, my credit was reported XXXX days late several months later, as I received no communication that my repayments should have started. I was not aware that my repayments were XXXX or XXXX days late, and only became aware when I saw my credit report state that XXXX accounts were XXXX days late on repayments. I'm currently on an unemployment deferment, but the negative credit report remains on my account even though the repayment period they set was incorrect. These derogatory remarks could affect my future employment opportunities and my ability to find housing when I need to move for a potential job. Already, these derogatory remarks prevented me from accessing a larger line of credit from my credit cards. I've tried to dispute these charges with credit bureaus, but to no avail. Nelnet advisors have told me I need to have my school update the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and/or have the school sign in-school deferment papers for the period I've attended school to retroactively remove the derogatory remarks, as for some reason, it isn't listed that I was a full-time student from XX/XX/XXXX to XX/XX/XXXX which is why the repayments started up earlier than they should have. The grace period began on XX/XX/XXXX, which was earlier than it should have been due to a system error. I've tried to get my school to sign the school deferment papers and update XXXX, but they still haven't. Even after I reached out in person, I was told they would update XXXX and fax in the in-school deferment papers on my behalf several weeks ago. I've tried to call them several times over the past few days to resolve this issue, but they've refused my calls and haven't returned my calls. I'm filing this CFPB as a last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: OK

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 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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
This complaint is regarding a Citibank credit card account. I had autopay set up for this account, and my linked XXXX XXXX XXXX checking account had sufficient funds at all times. However, autopay payments repeatedly failed prior to the account being closed. This issue occurred multiple times and was not caused by insufficient funds or any action on my part. Importantly, I later made a manual payment using the same XXXX XXXX XXXX account, and the payment was processed successfully and the funds were deducted without any issue. This confirms that my bank account and available funds were never the problem. Despite this, Citibank closed my credit card account due to these failed payments and charged late fees and interest. I have now paid the full balance in full. This situation was caused by a payment processing failure within CitibankXXXX system, not by any missed payment or negligence on my part. As a result, I was unfairly charged fees and had my account closed. I am requesting that all late fees and interest be removed, and that no negative information be reported to any credit reporting agencies due to this issue.

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
My PayPal account ( XXXX ) was suddenly and permanently limited on XX/XX/year>, for " security reasons '' with no prior notice or specific explanation. In XX/XX/year>, I was traveling in the XXXX. On XX/XX/year>, I received a legitimate refund from the XXXX mobile operator XXXX into my PayPal account. Several hours later that same evening, my account was permanently restricted. I have never violated the PayPal User Agreement or Acceptable Use Policy. There were no chargebacks, disputes, or suspicious activity. The limitation appears to have been triggered solely by this normal refund received while traveling XXXX. On XX/XX/year>, I sent a detailed formal complaint to XXXX, XXXX, and XXXX requesting a secondary review, specific explanation, and restoration of the account or release of funds. It has now been 6 days with no response. PayPal 's support ( XXXX ) only sent a generic template response that provided no details and did not ask for any verification documents. My funds are being held for 180 days, causing significant financial inconvenience. I have been a compliant user and believe this is an error caused by automated risk detection related to XXXX travel. I have also filed with XXXX.

Company response to consumer: Closed with non-monetary relief