vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 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: NJ

Complaint narrative:
I am submitting this complaint regarding Discover Banks handling of Dispute # XXXX involving a transaction in the amount of {$1700.00} with XXXX XXXX XXXX. The purchase was for a XXXX XXXX XXXX. The item was returned within the merchants stated 30-day return policy using the prepaid return label provided by the merchant. The return was shipped via XXXX with tracking number XXXX. According to XXXX tracking records, the package was successfully delivered on XX/XX/year> at XXXX XXXX to XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Proof of delivery confirmation is attached. In addition to proof of delivery, I am attaching : The merchant-issued return receipt dated XX/XX/year> Email correspondence confirming the return was received Emails dated XX/XX/year> and XX/XX/year> in which the merchant explicitly confirmed that the refund was processed back to my Discover card The return shipping label provided by the merchant XXXX tracking confirmation showing successful delivery The merchant acknowledged receipt of the returned merchandise and further confirmed in writing that a refund had been processed to my Discover card. Despite these written confirmations, no credit has ever appeared on my Discover account. This is not a case of non-delivery or disputed condition of merchandise. The merchant has acknowledged receipt and confirmed processing of a refund. The documentation clearly shows : 1. The item was returned within policy 2. The merchant received the item 3. The merchant issued a return receipt 4. The merchant confirmed the refund was processed Yet Discover closed or failed to resolve the dispute without ensuring the credit was actually applied. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), a billing error includes charges for goods returned where the credit has not been properly applied. Discover is required to conduct a reasonable investigation. When documentary evidence shows both receipt of the return and written confirmation that a refund was processed, failure to ensure the credit is reflected raises serious concerns regarding the adequacy of the investigation. The merchant can not retain both the merchandise and the {$1700.00} payment. I have acted in good faith, complied with all return instructions, and provided substantial documentary proof. I am requesting that Discover : 1. Reopen Dispute # XXXX 2. Conduct a thorough and reasonable investigation considering all attached proof 3. Issue a permanent credit of {$1700.00} to my account I respectfully request regulatory review to ensure compliance with federal consumer protection law and proper dispute resolution procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your contact regarding the above-referenced account. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including an itemization of any interest, fees, or additional charges. 3. Copies of any documents bearing my signature that show I agreed to assume this debt. 4. Proof that your agency is licensed to collect debts in my state ( if required ). 5. Documentation showing that you have the legal authority to collect on this debt. Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. If you can not validate this debt, please confirm in writing that the account has been closed and that no further collection efforts will be made. This letter is not a refusal to pay, but a notice sent pursuant to federal law requesting validation. I expect your response within 30 days. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Hello how are you? After reviewing my credit report I've noticed that this collection company was listed on my credit reports. I have never done business with that company, I do not owe that company nor did i receive any documentation or information in the mail prior to them placing that collection account on my credit reports which is not there because it did not give me an opportunity to properly dispute the validity of the debt in question. I do not believe that debt is mines and should be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: NY

Complaint narrative:
I disputed a {$190.00} transaction with XXXX beginning XX/XX/XXXX. The merchant classified the items as final sale but this was not disclosed to me upon purchasing the items nor was it listed on my receipt. They refused to accept a return of the final sale items, and only offered store credit for a couple items that were not final sale. The reason for wanting to return in the first place is that the clothing items were materially inconsistent with the sizes represented. For example, an item labeled XXXX appeared smaller than an item labeled XX/XX/XXXX, and the garments did not contain permanent size labels, only removable paper tags. I provided written proof of this to Capital One along with photographs and documentation requested during the dispute process. Capital One closed the dispute based on a technical requirement ( returning the merchandise ) that could not be satisfied because the merchant refused the return, and then refused reconsideration by claiming it was outside 60 dayseven though the dispute had already been opened and investigated within that timeframe Because the merchant refused the return, the banks requirement that I return the items was impossible to satisfy. I am requesting that Capital One reopen the dispute and review the evidence already provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: MD

Complaint narrative:
I sold my vehicle to a dealership on XX/XX/XXXX and transferred the vehicle registration to a newly purchased car. Starting in late XXXX I began receiving numerous calls from the National Service Bureau. I never answered due to the number of spam calls I get and they never left a message. Eventually I started blocking their numbers and that seemed to help. On Friday XX/XX/XXXX I was informed my brother-in-laws brother was contacted by the National Service Bureau in an attempt to make contact with me. This is somebody I barely know that was contacted in what seems to be an attempt at harassment of family. Ive since learned my wife has also received multiple calls and I think it likely other family members have as well. In XXXX I was sent a letter in the mail from the National Service Bureau stating that my old vehicle ( which was sold in XXXX ) was involved in an accident on XXXX and that as the registered owner ( registration which had been canceled a year prior ) I owed National Service Bureau {$4100.00} on behalf of their client XXXX. With this letter they also threatened they were sending a letter to the state of Maryland requesting my drivers license be suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My credit card charged off over XXXX ago. The account has timed out and needs to be deleted from all credit bureaus. Please delete all accounts as they have passed the legal timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: FL

Complaint narrative:
What happened is me and my daughter have iPhones that I purchased XXXX years ago and I paid them off. About a month later they say I owe XXXX. And I dont because Ive paid. XXXX pass the bill to collections and theyve been mailing me ever since its a headache.

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 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Comenity Capital Bank, for XXXX credit card. This is a closed account which I have no money owed. I have been receiving relentless Phone calls, emails, texs, and voice mails since XX/XX/XXXX, until currently XXXX, XXXX saying I owe them late fees and interest on this account. I wrote a letter to Comenity fraud dept on XX/XX/XXXX with a total explanation of why I do not owe them any money. The fraud dept responded on XX/XX/XXXX that they were investigating it as fraud, but have not heard back from them. The phone calls are relentless, XXXX or XXXX times per day. Now they want me to pay them with any tax refund I may be getting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
My account was cleaned out almost a week ago, and I was on hold for over XXXX hours trying to get it straightened out. On Sunday, the money was returned to my account. I went through and withdrew the maximum amount that CK will allow and transferred it to my actual bank because I will never use Credit Karma again. This has been the most horrific experience of my life. Shortly after I transferred my own money to my own account, CK closed the account and are now holding my remaining {$2500.00} XXXX. No phone call, no email, nothing. Every time I call in and try to speak to someone in escalations, I get put on hold for XXXX hours, XXXX hours, XXXX hours only to be told that the money is going be transferred to a bank account that has been closed for years. I am told that a member of the XXXX XXXX team will call me back and no one ever calls me back. CK is doing fraudulent activity thats against banking laws and I need someone who actually gives a XXXX to call me back and figure out a SECURE way to refund the rest of my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I reported unauthorized access and multiple unauthorized peer-to-peer transfers from my Skrill digital wallet account. The transactions occurred within minutes of each other and were not initiated, approved, or authorized by me. The unauthorized transfers included : XXXX. XXXX | {$4100.00} | XX/XX/year> XXXX XXXX | XXXX XXXX. XXXX | {$450.00} | XX/XX/year> XXXX XXXX | XXXX XXXX. XXXX | {$500.00} | XX/XX/year> XXXX XXXX | XXXX XXXX. XXXX | {$3000.00} | XX/XX/year> XXXX XXXX | XXXX XXXX. XXXX | {$500.00} | XX/XX/year> XXXX XXXX | XXXX XXXX. XXXX | $ XXXX XX/XX/year> | XXXX XXXX | XXXX XXXX. XXXX | {$2900.00} | XX/XX/year> XXXX XXXX XXXX XXXX. XXXX | {$7800.00} | XX/XX/year> XXXX XXXX | XXXX XXXX. XXXX | {$97.00} | XX/XX/year> XXXX XXXX | XXXX XXXX. XXXX | {$3900.00} | XX/XX/year> XXXX XXXX | XXXX XXXX. XXXX | {$190.00} XXXX | XXXX XXXX | XXXX XXXX. XXXX | {$3800.00} | XX/XX/year> XXXX XXXX | XXXX The transactions were sent to multiple unfamiliar email addresses and occurred between approximately XXXX XXXX and XXXX XXXX on the same day. Immediately after discovering the activity, I : Reported the unauthorized transactions to Skrill Filed a local law enforcement report Filed an FTC Identity Theft Report Filed an FBI Internet Crime Complaint ( IC3 ) Preserved screenshots of impersonation messages used in the account takeover Attempted to complete Skrills required account questionnaire ( the submission portal repeatedly generated errors ) Despite prompt reporting and full cooperation, Skrill : Issued multiple case numbers ( XXXX, XXXX, XXXX ) Marked a case resolved without reimbursement Reopened and escalated cases without explanation Failed to provide a written determination of liability Failed to provide documentation of their investigation Failed to provide provisional credit Failed to provide meaningful status updates despite repeated follow-up I have acted immediately and in good faith. I have provided all requested documentation and proactively asked whether additional information was needed. As a U.S.-registered money services business, Skrill is required to conduct a reasonable investigation into unauthorized electronic transfers and provide written findings. This matter remains unresolved despite my continued efforts to obtain assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XX/XX/2024. Balance of XXXX actions was taken by me I disputed multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was the victum of a scam. on XX/XX/year> someone was posing as my accountant tricked me and accessed my bank account and sent out {$20000.00} as a direct pay. I noticed this transaction the very same day when it was still in a pending status and it showed the funds would not reach their destination until XX/XX/year>. I contacted the bank immediatly to report the scam and ask them to stop the payment or at the very least contact the reciveing bank and ask them to hold the funds. They told me they had to do an investigation and it would take 10 days. I then contacted the police department and filed a police report. The detective on my case asked me to call the bank and ask for an IP address or account number to where the funds were sent so it could help with the investigation. I called the bank and asked for this information and was told they did not have it or could not give it to me. On the XXXX day I had to call them for an update and was told the claim was denied because I was at fault and that they never did try to stop the payment or reach out to the reciving bank they were only investigating to see if there was an error on their end.

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 2026-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
This company keeps appearing on my credit report i would like more information I sent this debt validation request Debt Validation Request To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1. The name and address of the original creditor. 2. The current total amount of the alleged debt, including a breakdown of any interest, fees, or additional charges. 3. The age of the debt, including the date of default and the date of last payment. 4. Documentation showing that I am legally obligated to pay this debt. 5. Documentation showing that your company has the legal authority to collect on this debt. Until you provide proper validation of this debt, I request that you cease all collection activities related to this account. Additionally, if this debt has been reported to any credit reporting agency, please note that it is disputed. Please respond to this request in writing at the address listed above within the time period required by law. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have identified several collection and charge-off entries on my credit report that appear inaccurate, outdated, or can not be verified. Although I have previously submitted disputes along with supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I am formally requesting a thorough reinvestigation of these accounts. Any entry that can not be fully validated with proper documentation must be promptly removed. Noncompliance may compel me to pursue legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX REGIONAL ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting validation of this alleged debt. Please provide the following : 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including an itemized breakdown of interest, fees, and charges. 3. Copies of any agreement bearing my signature showing that I agreed to this debt. 4. Documentation proving your authority to collect on this debt. 5. Proof that the debt is within the applicable statute of limitations. Until you provide proper validation of this debt, I request that you cease all collection efforts and communication with me regarding this matter. If this debt has been reported to any credit reporting agency, please mark the account as disputed as required by law. I expect your written response within the timeframe required by law. Thank you for your cooperation. 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 2026-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: FL

Complaint narrative:
loan care mortgage payment did not process as I thought it would i had been on autopay and for some reason that service lapsed XX/XX/year>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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
Subject : Identity Theft Fraudulent Discover Accounts Ending in XXXX and XXXX, Description of the Problem : I am submitting this complaint regarding Discover accounts ending in XXXX and XXXX, which were opened and/or replaced without my knowledge or consent as a result of identity theft. I have already completed the following : Filed an Identity Theft Report with the FTC. Police Report # : XXXX. Verified that these accounts were removed from my credit reports, confirming they are fraudulent and not my responsibility. Despite this, I continue to receive collection letters from Discover claiming I owe a balance. This is incorrect. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am not liable for debt resulting from identity theft, and collection activity must cease once fraud has been established. At the time this fraudulent activity was reported, Discover failed to properly verify my identity before issuing replacement accounts and allowing unauthorized transactions. Additionally, I previously contacted Discover regarding unauthorized cashback activity, but I was not provided a confirmation number. I am requesting that Discover : Immediately cease all collection efforts related to these fraudulent accounts. Permanently close these accounts and confirm they are not my responsibility. Provide written confirmation of resolution within 30 days. Supporting Documents ( attached ) : FTC Identity Theft Report Credit reports showing the removal of the fraudulent accounts Police Report # : XXXX. Previous correspondence with Discover regarding these accounts These accounts represent unauthorized activity and identity theft. I request a written confirmation of resolution within 30 days.

Company response to consumer: Closed with non-monetary relief