vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX of XXXX a company called XXXX took XXXX dollars out of my acct a total of 5 times I disputed the charges and was denied so I called XXXX myself and they told me that I opened an acct in XXXX but they I have never made any transactions I actually forgot all about the acct until these transactions I then disputed the transactions again sent them a copy of XXXX statement showing no transactions were made and asked what they used to deny me they sent me a copy of the questionnaire I filled out when I disputed it and a copy of my transactions for my acct which doesn't prove anything all they had to do was call onepay and they would of know I never made the charges the last denial they show was XX/XX/XXXX and I had disputed it again on the XXXX and it don't even show that so they never looked at the info I sent them they just denied me again

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I am filing a complaint regarding the improper forfeiture of {$1400.00} issued to me on a prepaid card administered by Bank of America on behalf of XXXX. 
I received a prepaid card containing funds owed to me. After the physical card expired, Bank of America informed me that the underlying funds had also expired and were no longer available. I dispute this determination. 
The expiration of a prepaid card does not extinguish the consumers right to the underlying funds, particularly where the funds represent money owed rather than a promotional incentive. At no point was I clearly or conspicuously informed that failure to use the card by the expiration date would result in permanent forfeiture of the funds. 
Bank of America did not offer to reissue the card, refund the balance, or otherwise provide access to the funds. Instead, the funds were treated as expired solely due to the cards expiration. This constitutes an unfair practice and a failure to provide reasonable access to consumer funds. 
Further, under District of Columbia unclaimed property law, unused prepaid funds are subject to escheatmentnot forfeiture. If the funds were not reissued or refunded, they should have been treated as unclaimed property and handled in accordance with DC law, rather than retained or extinguished. 
I am requesting restitution of the {$1400.00}, written confirmation of the resolution, and an explanation of the legal basis for deeming the funds expired rather than refundable or reportable as unclaimed property.

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NV

Complaint narrative:
I was locked out of my account due to my phone being stolen, and no longer have access to the phone number and email associated with the account. I was instructed to open a new account which I did. I was still not allowed access. I advised them I was worried about fraudulent activity. Then on XX/XX/XXXX past year money was accidentally sent to that account. I have been in touch with them almost daily since that date attempting to access my account or funds which has been refused. I have copies of all of my messages and calls. Now, I believe my new account is being restricted in retaliation. So I told them I want both accounts to be closed and my funds sent in the form of checks by mail. That was refused. I've been lied to and hung up on my customer service and ignored and lied to through their messaging app and I believe they are trying to steal my funds while also allowing fraudulent activity to continue on my account. I want to file a police report and a lawsuit and I want my funds sent to me and the accounts closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One is furnishing inconsistent and inaccurate credit information regarding the same account to multiple consumer reporting agencies : XXXX reports a charged-off balance of {$8300.00} XXXX reports a balance of {$8400.00} and a last payment date of XX/XX/year> XXXX  reports a balance of {$8500.00} These materially different balances for the same account demonstrate that Capital One is not furnishing accurate or consistent information. I disputed the reporting with the credit bureaus and provided supporting documentation. Capital One failed to conduct a reasonable investigation and failed to correct the inaccurate balances and account status. 
Furnishing conflicting balances across credit bureaus creates misleading credit reports and inaccurately portrays my credit risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I noticed a fraud transaction total was {$970.00} XXXX disputed XXXX transaction cash app support return XXXX of the XXXX transactions and denied my {$510.00} I appealed it but kept getting emails from cash app support that denied I complain about it and keep getting excuses from them I'm still waiting for ca support to let me refile my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
For two years, theyve destroyed my credit with derogatory marks, showing the account with a zero past due balance when I should been closed four years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I experienced unauthorized ATM withdrawals totaling approximately {$10000.00} from my checking account. I was out of the country at the time the withdrawals occurred and did not authorize these transactions. 

I promptly reported the unauthorized withdrawals to Bank of America and opened a fraud claim. Bank of America denied the claim, stating that the transactions were authorized or made by someone with permission. 

I requested a re-evaluation and submitted additional documentation showing that I was not in the United States at the time of the withdrawals, including travel records. After submitting this evidence, Bank of America issued a second denial letter using the same language as the first denial and did not explain how my new evidence was evaluated or why it did not change the decision. 

I requested information regarding the documents and evidence relied upon to deny my claim, but Bank of America did not provide any additional explanation or supporting materials. 

I believe Bank of America failed to conduct a reasonable investigation and failed to provide a specific explanation for the denial after receiving new evidence, as required under Regulation E ( XXXX XXXX XXXX  ). I am requesting review of the adequacy of the investigation and correction of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
On XX/XX/year> at XXXX XXXX  I received a message from XXXX credit card/ synchrony Bank XXXX stating my card is over the limit. 
When I logged in to my account I seen that I was over by {$37.00}. All my transactions do not show any purchases or interest charges for that amount, furthermore I have called customer service on many occasions to complain about their system not showing an after balance or credit left after a transaction has posted. This is a practice used to confuse the card holder. Payments made to my account are often delayed for no reasonable reason other than to confuse the card holder. At this time I still can't see how or why I'm over my limit.

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 2026-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I returned my tesla that was being leased. They were trying to charge me several things I didn't agree with like registration fee and XXXX payment and some other fee. I showed the lady that my registration was paid up until XXXX and that they told me to return the vehicle in XXXX so I shouldn't have to pay XXXX. She agreed and said she had to email someone and they would call me later that day. I never got a call so I emailed them several times and finally got a call in XXXX. I talked to XXXX different people XXXX different times and so did my husband. They all said they were going to take off those charges and someone would call us back with new XXXX. We never received any calls. So today XX/XX/XXXX i got a call from a collection agency that tesla sent me to collections that I owe over XXXX. I explained i been waiting for tesla to call me back and I haven't got any response back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
A collection account from Credit Systems International for a utility debt appeared on my XXXX credit report even though I am not legally responsible for the account. This collection had previously been removed from my credit report and was later reinserted without any notice. I never entered into an agreement with this collector and they have not provided proof that I am the responsible party for this debt. The reporting is inaccurate and harmful to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Top Line Collectors LLC
State: NY

Complaint narrative:
a debt being reported on my credit report by a company named Top Line for {$20000.00}. I have never had any business relationship, contract, or agreement with Top Line. My former landlord was XXXX XXXX XXXX, not Top Line. Around XX/XX/year>, I reviewed my credit report and noticed that Top Line was reporting this alleged rental debt. I do not recognize this company and was never notified that any debt had been sold or assigned to them. Around XX/XX/year>, I formally requested debt validation and proof of ownership from Top Line, including documentation showing they have the legal right to collect or report this debt. No response or documentation was provided. 
Despite the lack of verification, Top Line continues to report this account as owed, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that Top Line either provide proper verification and proof of ownership or immediately delete this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CA

Complaint narrative:
On XX/XX/year>, I canceled a hotel reservation made through XXXX for a property listed as XXXX XXXX XXXXXXXX. The cancellation occurred more than XXXX months before any charge date. After the cancellation, I booked alternate accommodations, confirming that I did not intend to proceed with this reservation. 

After XX/XX/year>, I received no confirmation of an active reservation, no reminders, and no communication from XXXX or the hotel indicating that the reservation remained valid or would be charged. I reasonably relied on the cancellation being successfully processed. 

Despite this, on XX/XX/year>, a charge of {$1400.00} was posted to my credit card for this reservation. I did not authorize this charge. 

Upon discovering the charge on XX/XX/year>, I contacted XXXX immediately and attempted to resolve the issue. XXXX stated that the property could not reverse the charge. I also contacted the hotel directly, and the hotel instructed me to contact XXXX for the refund, confirming that XXXX controlled the billing and refund process. No refund was issued. 

I then filed a billing dispute with my credit card company, explaining that the reservation had been canceled more than XXXX months prior to the charge, that I received no notice of an active reservation, and that I did not authorize the charge. I provided details of my communications with XXXX and the hotel. 

Despite this information, the credit card company denied my dispute and instructed me to resolve the matter directly with the merchant. The credit card company did not provide an explanation showing that the charge was authorized, did not address the lack of notice after cancellation, and did not explain why this charge did not qualify as a billing error or unauthorized transaction. 

As a result, the charge remains on my account even though : The reservation was canceled well before the charge date, I received no notice that the reservation was still active or chargeable, I acted promptly and in good faith to dispute the charge, and The credit card company declined to correct the charge or provide a meaningful explanation. 

I am requesting that the credit card company properly investigate this billing error and reverse the unauthorized charge in accordance with its obligations under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Hello, I am writing regarding a collection account reportedly placed by TrueAccord in the amount of {$460.00} that is currently appearing on my credit report.

At this time, I am unaware of this debt and do not recognize the account. This letter is not an admission of liability, but a formal request for validation of the alleged debt under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ).

I respectfully request that this account be removed from all credit reporting agencies to which it has been furnished.

Additionally, if this account has been reported in error or without proper verification, I request that it be deleted immediately to avoid further inaccuracies on my credit profile.

Thank you for your prompt attention to this matter. I expect your response within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Golden 1 Credit Union did not resolve my claim. i lost my credit card along my wallet with my ID. They brought back those unauthorized charges I have reported. I only owe them {$4500.00}. They are charge me {$8000.00}. The {$350000.00} is not made by me. Those unauthorized charges are made by whoever stole my card.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumer : XXXX XXXX XXXX : XXXX XXXX Services Account Type : Auto Loan Date Opened : XX/XX/XXXX Highest Balance : {$21000.00} Reported Balance : {$0.00} Last Reported : XX/XX/XXXX Account Status : Paid/ {$0.00} balance Remarks : Paid profit and loss / Transferred to recovery Filed with : Consumer Financial Protection Bureau What Happened ( Paste Into CFPB Complaint Box ) I am filing this complaint to dispute the inaccurate and misleading reporting of my XXXX XXXX XXXX XXXX loan account. 
Although this account is reported with a {$0.00} balance and reflects that 100 % of the loan has been paid, XXXX XXXX XXXX continues to report derogatory payment history, charge-off/collection indicators, and transferred to recovery remarks, which is inaccurate and harmful. 
Legal Violations & Dispute Grounds XXXX. Inaccurate Reporting of a Paid Account ( FCRA 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX XXXX is furnishing information that is misleading and not fully accurate. An account with a {$0.00} balance and paid status should not continue to report ongoing derogatory or collection-related notations without full clarification and accuracy. 
Reporting derogatory history on a satisfied obligation misrepresents my current creditworthiness. 
2. Failure to Update Account to Accurate Final Status ( FCRA 1681s-2 ) The account is still marked as : In Collections/ Charge-off Transferred to recovery Ongoing derogatory payment indicators These remarks conflict with the {$0.00} balance and paid status and create a false impression that the debt is unresolved.

3. Failure to Conduct a Reasonable Investigation ( FCRA 611, 15 U.S.C. 1681i ) XXXX XXXX XXXX has failed to ensure that all aspects of the reportingincluding payment history, remarks, and account statusare complete, consistent, and verifiable. 
Simply reporting historical negatives without correcting the final account disposition does not meet the reasonable investigation standard. 
4. Unfair Credit Reporting Practices Continuing to report excessive derogatory history on a closed, paid account serves no legitimate purpose and functions as punitive reporting, which the FCRA was designed to prevent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Willful Violations of FCRA and FDCPA : No Validation, No Documents, No Assignment Proof, and False CFPB Response This is an escalated follow-up to my CFPB complaint dated XX/XX/XXXX against Fair Collections & Outsourcing ( FCO ). The company continues to report a collection account that has never been properly validated, while submitting a false and unsubstantiated response to the CFPB. 

Violations and Key Facts : XXXXOn XX/XX/XXXX, I mailed a certified debt validation request to the address listed on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX That letter was returned by the USPS as : Return to Sender Not Deliverable As Addressed Unable to Forward This means FCO failed to maintain a valid address for consumer disputes, a violation of FDCPA 809 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). 
XXXXIn their CFPB response , FCO falsely claimed they mailed verification of debt to me on XX/XX/XXXX to the same undeliverable address that my certified letter was returned from. 
This is not credible and constitutes a material misrepresentation to a federal agency. 
XXXX.FCO also stated that the account was initially communicated via email on XX/XX/XXXX. 
To date : I have not received any emails from FCO FCO has not confirmed or disclosed what email address they allegedly used FCO has not provided any proof of delivery or read confirmation XXXXMost importantly, FCO has not attached a single document to their CFPB response XXXX support their claims. 
Despite claiming to have mailed verification and stating that it included : A move-out statement A resident ledger A signed lease agreement They have provided none of these documents to me, and none were uploaded to the CFPB for review. 

XXXX.Furthermore, FCO has failed to provide proof of assignment of the debt, which is legally required for a third-party collector to claim ownership or servicing rights over an alleged debt. 
Without this, they have no standing to collect or report the debt under FCRA and FDCPA standards. 

XXXX.Despite all of this, the company continues to report and update the collection account with the credit bureaus as recently as XX/XX/XXXX in violation of : FDCPA 15 U.S.C. 1692g ( b ) continuing to collect without validation FCRA 15 U.S.C. 1681s-2 ( b ) furnishing unverifiable or inaccurate information FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) reporting data they know or should know to be false

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 2026-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld collection inc showed up on all 3 of my credit angencys. Started on XXXX  credit agencyXXXX XXXX XXXX then XXXX XXXX XXXX XX/XX/year> I complained about to you previously. Then I disputed on all the major credit agencys. I ask both to get the whole file that XXXX told them i owe. Both never did. XXXX was disputed and taken off my credeit. Then a short while Transworld shows up. The couldnt give me my complete file to prove valid charges. XXXX breached there own warranty contract on return exchanges for cell phones. Kept shutting off my cell service. Even paying every month on time. The got there returned cell phone. Tracking number proves it. The cust service over sees mostly said. The return warranty cell phone was not ever scanned in. That was not my problem. They have a business they should have reported to XXXX  post office if there was a issue with damged box or looked empty. I returned the cell plus all unvalid charges. None of the collection agency gave me a honest charges. I disputed with XXXX. XXXX wont do whats legal.

Company response to consumer: Closed with explanation