vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: NH

Complaint narrative:
XXXX The above claim number was closed and XXXX said they notified American coradius that the money is not owed and i have sent them physical copies showing everything from that claim as well as emailed and called and they still refuse to remove the debt from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One refused to work with my credit service to pay down the account. They said since it was a so-called fraudulent activity I would have to suffer for this so I have made the payments as they required but I would like for XXXX XXXX XXXX XXXX to take over the account and manage it but they will not allow it. I feel Capital One is doing this as punishment. I said I would pay it, but I would like for my debt consolidation service that XXXX gone with to be able to handle it, but they will not allow it. my fear of reporting is that they may punish me even further. This is why XXXX reluctant to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Dear Sir or Madam, I am submitting this complaint regarding inaccurate credit reporting and failure to validate an alleged debt. I previously disputed the following account with XX/XX/XXXX and directly with Credence Resource Management : Creditor : Credence Resource Management Original Creditor : XX/XX/XXXXBalance : {$2400.00} Date Opened : XX/XX/XXXX I do not recognize this account and formally requested validation of the debt. On XX/XX/XXXX, I sent a written request to Credence Resource Management requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), including proof of the original agreement, proof of liability, and documentation supporting the amount claimed. To date, I have received no response. Despite this, the account continues to be reported on my credit file by XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 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: CA

Complaint narrative:
I am filing this complaint because Citibank failed to conduct a fair and thorough investigation into a documented fulfillment error by Best Buy ( XXXXXXXX XXXX XXXXXXXX ). Despite my providing clear evidence of the merchant 's admission of fault, Citibank repeatedly favored the merchant. XXXX. Explicit Admission of Fulfillment Error : In an official chat on XX/XX/year>, Best Buy agent " XXXX '' explicitly stated, " Receiving a completely different brand than what was purchased... is a significant fulfillment error. '' He documented this in their system as XXXX XXXX XXXX. XXXX. Documented Service Failure : I followed Best Buys official return instructions to go to the XXXX, CA location. However, the store refused to assist me. The agent acknowledged this " service refusal at the XXXX store '' in my case file. He also noted that because the box provided by the XXXX store was " mismatched and unsecured, '' a standard return label was not a viable solution. XXXX. Bad Faith and Withholding of Evidence : The merchant promised to send the full chat transcriptincluding their acknowledgment of the errordirectly to me so I could provide it to my bank. They failed to do so, effectively withholding evidence that would prove my claim during XXXX dispute process. XXXX refusal to reverse this charge, despite these documented admissions by the merchant, is a failure to protect my rights as a consumer. I request a full refund for this failed transaction.

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 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently went to court on XX/XX/year> for a debt that was owed by my wife to Capital One. She has passed away and a third party named XXXX XXXX XXXX is attempting to go after the estate for the debt. The are not the original creditor and have no legal grounds to sue unless they provide validation of the debt owed. They are a third party debt collector and can not collect funds on a debt that was not originally issued by them. I have spoken to capital one and was told not to worry about the debt as it will be charged off because my wife has passed away. I am able to send in death certificate paperwork as well. I believe my consumer rights are being violated by this third party and would like to settle this issue once and for all. The stress and grief of this whole situation is overwhelming. 15 usc XXXXg states that a collector must send a written notice containing a statement that unless the consumer disputes the debt in writing within XXXX days after the notice the debt is assumed to be valid. 15 usc XXXX ( c ) also states that if the consumer does not dispute the debt, that failure can not be treated as an admission of liability in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC
State: CO

Complaint narrative:
Security Credit Systems ( SCS ) is attempting to collect {$1700.00} originated by California XXXX XXXX XXXX XXXX ( CIIS ) for Fall XXXX tuition charges. I am currently repaying the Department of Education for the full amount of Title XXXX funds disbursed during that enrollment period meaning XXXX is collecting a duplicate charge for funds I already owe the federal government. I sent a formal written dispute via certified mail raising XXXX distinct issues including : ( XXXX ) duplicate collection against my existing DOE loan obligation, ( XXXX ) potential XXXX violation under XXXX XXXX XXXX, ( XXXX ) premature Title IV disbursement under XXXX XXXX XXXX, ( XXXX ) FERPA concerns regarding referral of education records to a third party collector, and ( XXXX ) inclusion of a Student Wellness Fee in a reported collection account, potentially violating California XXXX XXXX. XXXX XXXX XXXX XXXX XXXX responded XX/XX/XXXX, addressing only the wellness fee and asserting it is reportable. This claim is legally contested under California XXXX XXXX. She did not address the remaining XXXX issues. I made multiple prior phone contact attempts that went unanswered. I have offered full payment of {$1700.00} in exchange for pay-for-delete. XXXX refused and demanded payment with only a paid in full notation not deletion. I am also filing complaints with the NY XXXX, Colorado XXXX, FTC, and the Department of Education XXXX Ombudsman.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this formal complaint against Chase Bank regarding a persistent failure to link my new XXXX XXXX credit card to my member account. This is my XXXX credit card with Chase, and all my other accounts have my correct information. However, Chase misspelled my last name on this new account, causing a total blockage of my benefits for over XXXX months. Despite making over XXXX phone calls and finally getting the name corrected recently, my account remains unlinked. I have already paid the annual fee, and I completed the sign-up bonus requirements within the first month. As a result, I have XXXX XXXX points and XXXX Free Night Awards sitting in limbo that I can not access or use. Furthermore, I traveled in XXXX and was denied all XXXX benefits because of this technical delay. It has been XX/XX/XXXX months since I opened the card, and Chase has failed to provide the service I am paying for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MD

Complaint narrative:
i sent money for a deposit for a vehicle & i didnt get my vehicle i asked for a refund back haven't received my funds. i reached out to cash app & they keep denying my claim. my money is at stake i need my money back. whats the XXXX of making claims with no results. these companies are getting over on people taking there money and not solving disputes correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am disputing inaccurate and unverifiable information being reported by Synchrony Bank on my credit reports. Account : XXXX XXXX / XXXX / XXXX ( or SXXXX ) Current Balance Reported : {$8500.00} past due ( XX/XX/year> ) Synchrony Bank is incorrectly reporting a balance of {$8500.00} as past due on this closed XXXX XXXX account XXXX all three major credit bureaus ( XXXX XXXX XXXX XXXX ) . This balance amount is inaccurate and can not be verified. Under the Fair Credit Reporting Act ( FCRA ), Synchrony Bank is required to report accurate and verifiable information. I have reviewed my records and the credit reports, and I dispute the accuracy of the reported balance. Synchrony Bank has failed to provide proper verification of the balance amount when previously reviewed or disputed. I am requesting that the CFPB require Synchrony Bank to : 1. Immediately conduct a reasonable investigation of this disputed information. 2. Provide full documentation verifying the accuracy of the {$8500.00} balance and all related payment history. 3. Delete or correct the inaccurate balance on all three credit bureaus if it can not be verified. 4. Provide me with the results of their investigation in writing. I have attached copies of my credit reports from XXXX XXXX XXXX XXXX highlighting the disputed XXXX XXXX account and the incorrect balance. Thank you for your assistance.

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 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Summary of the Issue On XX/XX/year>, I initiated a wire transfer in the amount of {$1900.00} from my Citibank account. The transfer failed, the funds were returned, and the beneficiary never received any money. Nevertheless, Citibank assessed multiple fees totaling {$110.00}, which the bank has refused to refund despite my complaint and subsequent escalation.

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I applied for an apartment and was informed both verbally and via email by the apartment company that, in the event my application was denied, I would receive a full refund of the {$330.00} application and administrative fee. When I did not receive the promised refund within the timeframe provided by the apartment company, I contacted Wells Fargo to dispute the charge. On XX/XX/XXXX, Wells Fargo issued a provisional credit to my account while their investigation was pending. During this time, I was not contacted by Wells Fargo or asked to provide any additional information. On XX/XX/XXXX, a little over a XXXX later, Wells Fargo reversed the provisional credit. When I contacted Wells Fargo the same day to inquire about the reversal, I was advised that I needed to provide proof that the apartment company had stated the fees would be refunded in the event of a denial. While still on the call, I provided Wells Fargo with the requested documentation, including the email from the apartment company explicitly stating that the application and administrative fees would be refunded if the application was denied, along with my denial letter. Despite providing the requested proof during the call, my claim was subsequently denied within less than XXXX days, with no clear explanation or evidence provided to show that a thorough investigation had been completed. Following this, I requested to escalate the matter and speak with a supervisor or someone in a higher-level dispute or claims review department, but I was not given that opportunity. I later received a call from an individual named XXXX with XXXX XXXX XXXX XXXX Department, who asked that I return his call regarding my concern. I have attempted to reach him multiple times using the provided extension and have left multiple voicemails requesting an update and escalation. To date, I have not received any response. At this point, I am requesting a full explanation of the decision to deny my claim, including the findings of XXXX XXXX investigation, as well as reconsideration of the reversal of my provisional credit. I believe my claim was not properly or thoroughly investigated, and I have not been provided with adequate communication or resolution regarding 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 non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting a complaint regarding a student loan that was obtained through deceptive and fraudulent practices by a now-closed educational institution. I enrolled in the school in XX/XX/2023 after being informed by school staff and a financial advisor that my total cost for the program would be approximately {$3000.00}. I paid this amount directly to the school as instructed. The school staff concealed several critical facts during the enrollment process. I was never provided with loan documentation, was never informed that additional student loans would be issued in my name, and was not told the true total cost of the program. Shortly after my enrollment, the school closed, preventing me from completing the program. Only after the school closed did my loan servicer inform me that loans had been issued in my name and that I was responsible for repayment. I later learned that the institution lacked proper accreditation and had a history of misleading students about financial obligations and program completion. Numerous former students have reported similar experiences involving deceptive recruitment and financing practices. Because these loans were obtained through misrepresentation and because the schools closure prevented me from completing the program, I believe these loans are invalid. I am requesting that the loans be XXXX, that any negative credit reporting associated with them be removed, and that this matter be fully investigated.

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding ongoing difficulties with my Citizens Bank XXXX XXXX account. I have been unable to access XXXX and other essential online banking features because the phone number linked to my profile is outdated. While the bank was able to update part of my phone number, the original number still remains in the system. This outdated number is still being triggered for XXXX and other key features, preventing me from enrolling or verifying transactions. I contacted customer service several times and was told to visit a branch. After XXXX visit, I was redirected to the original branch where I opened my account. Despite spending over XXXX hours there, the staff still couldnt fully resolve the issue. Furthermore, I find it extremely unprofessional that the customer service agents do not have the ability to delete the outdated phone number. Instead, they rely on a chat with the back office via a chat box, rather than directly resolving the issue. This entire process is very unprofessional. I am extremely disappointed by the lack of resolution and the time I have spent trying to fix this. I now regret having a relationship with a bank that is unable to update my number. I request that this matter be escalated immediately and that a permanent solution be provided without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
- I have been unable to log into my account for almost a year. Since XX/XX/XXXX. - I attempted to log in while on the phone with a Synchrony representative who confirmed that the information I was entering was correct, yet the system continued to reject it ; no technical ticket was opened and no remedy was provided to me outside of a request to callback. - Every time I call the call center, I deal with XXXX representatives who read from a script and lack the capability to help me. - Because I have no account access, I am forced to wait until I receive " late notices '' via email so that I can click a link and pay as a guest ; this is the only way I can manage the balance right now. On XX/XX/XXXX, Synchrony falsely informed the CFPB that I " declined '' biometric verification ; I was never given that option and would have complied if asked. I was only given the option to receive a letter in the mail. - On XX/XX/XXXX, Synchrony lowered my credit limit from {$900.00} to {$740.00}, citing " internal delinquency '' and " high utilization. '' - These negative marks are a direct result of Synchronys technical failures and their refusal to grant me account access. Lack of assistance is a refusal. - On Sunday, XX/XX/XXXX, at XXXX PM, I left a voicemail for Senior Specialist XXXX XXXX providing a new verification passcode ( XXXX ). The voicemail was recorded. - I have given the company until noon on Wednesday, XX/XX/XXXX, to rectify this before escalating further.

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 2026-03-30 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: NC

Complaint narrative:
Account Number XXXX amount is {$2100.00} I talked to the store manager and call the Synchrony bank they told me it was mistake.

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 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
The alleged debt has been paid in full. Any continued attempts to collect on this account are improper and constitute an attempt to collect a balance that is not owed. Furthermore, I have no contractual agreement with your agency, and your continued collection efforts may constitute harassment and a violation of applicable XXXX and XXXX laws governing debt collection practices. You are hereby directed to immediately cease all collection activities related to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld Systems is trying to collect a debt on behalf of XXXX in the amount of {$110.00}. They never contacted me prior to submitting a collection to all three credit bureaus. I have excellent credit ( never missed one payment ), so when I saw this on my credit report I was shocked and confused. I immediately contacted Transworld Systems and they said it was from XXXX ( 14 years ago )! And I dont even have a XXXX account at that time! They even admitted that they had been send notices to an old address that o havent lived at for over seven years! I asked them to send me something in the mail explaining this about three weeks ago, but I still havent received anything. I disputed it with all three credit bureaus, but only XXXX and XXXX have removed it from my credit report. XXXX hasnt and said the company is claiming its mine ( still with no proof or explanation ). Please help to rectify this situation. This is horrible that some company can file a collection against you with no contact, proof, or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a prepaid XXXX card from US Bank from a P O Box address out of XXXX. I do not recall signing up for or requesting this. I did not activate or use it. I did destroy the card and did shred the materials they sent with the card. I did also write the BBB about the same issue but they may not send it to the correct company even though I did say US Bank XXXX prepaid card. I am already on the Do Not Marketing List with US Bank per the US Bank website as of XX/XX/year>.

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