vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am disputing an unauthorized charge on my Capital One XXXXXXXX XXXX credit card in the amount of {$700.00}, dated XX/XX/year>, from a merchant I do not recognize. 

I did not make, authorize, or benefit from this transaction. At the time of the charge, I was traveling alone in XXXX XXXX. During this trip, nearly all legitimate purchases were made through a third-party mobile payment platform ( XXXX ), not through direct card-present transactions. I do not recognize this merchant, nor did I request or receive any services from them. 

Capital One denied my dispute solely on the basis that the physical card was used, asserting this as sufficient evidence that the transaction was authorized. I believe this conclusion is improper and does not constitute a reasonable investigation. The presence of a physical card alone does not establish authorization, particularly in international travel contexts where card skimming, cloning, or unauthorized third-party use is well documented. 

The merchant category for this charge is listed as Business Services Shipping and Mailing, which is inconsistent with my actual spending activity that day. My verified transactions during this period were limited to typical travel-related expenses such as hotel accommodations, food, shopping, and local transportation. I did not conduct any business services, shipping, or mailing transactions. 

Despite providing accurate information and disputing the charge in good faith, Capital One failed to : Provide specific evidence of authorization ( e.g., signature, PIN use, or merchant verification ) Reconcile the merchant category with my travel activity Consider the heightened fraud risk associated with international travel As a result, I am being held financially responsible for a charge I did not authorize, which I believe is inconsistent with the Fair Credit Billing Act and

Capital Ones obligation to conduct a thorough and reasonable investigation. I am requesting that Capital One reopen this dispute, conduct a proper investigation, and remove this unauthorized charge from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally complain about Capital Ones unilateral closure of my account and the resulting forfeiture of accumulated rewards points, actions taken without my consent. 

On XX/XX/year>, Capital One closed my account on the basis of alleged inactivity and simultaneously confiscated the rewards points I had accrued over a substantial period of time. I did not know of this closure in advance and only became aware of it after noticing a significant and unexpected negative impact to my credit score. 

Upon discovering this issue, I contacted Capital One on XX/XX/XXXX, XXXXwell within a 30-day period during which many financial institutions customarily offer remediation or reinstatement. Despite my status as a long-standing customer and my prompt outreach, Capital One refused to reopen the account and restore the forfeited rewards. 

During this call, I spoke with a manager identified as XXXX, who declined to offer any assistance or escalation, notwithstanding my explanation of the circumstances and the disproportionate harm caused. I was informed unequivocally that Capital One would take no corrective action, regardless of my customer history or the timing of my complaint. 

Capital Ones actions raise serious concerns regarding fairness, transparency, and customer treatment. Closing an account without meaningful notice, imposing immediate credit harm, and permanently confiscating earned rewardsparticularly where the customer acts promptly and in good faithfalls short of reasonable industry standards and consumer expectations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I filed a dispute with PayPal against XXXX on XX/XX/year>. To preface, I am making this complain because PayPal 1 ) filed my dispute under the wrong reason 2 ) denied my dispute when I fixed it even though I supplied sufficient evidence I made a dispute because received the wrong order from XXXX. To be more specific, I ordered a monitor and received a different one. In my dispute, I provided clear evidence that I received a monitor that is different than the one listed. However, PayPal denied the dispute stating that " We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because if an item is materially similar to the seller 's description, we do not consider it to be significantly not as described. '' This does not make sense because the items are NOT materially similar. The monitor I bought is {$1000.00} XXXX. The one I received is maybe {$200.00}. Just because they both look like monitors does not make them materially similar whatsoever. A flip phone is not the same as a brand new XXXX. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I am a victim of identity theft and fraudulent account activity that has been reported to my consumer credit file. I have filed a Federal Trade Commission Identity Theft Report and have notified the consumer reporting agencies in writing pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

Despite submitting a formal FCRA 609 validation request to XXXX  on XX/XX/year>XXXX  identifying all fraudulent and disputed tradelines, the credit bureau and data furnishers have continued to report and re-publish these accounts without providing legally required verification, contractual proof, or identity validation. 

These tradelines include multiple medical collections, telecom accounts, consumer finance accounts, and debt buyers that I do not recognize and did not authorize. Many of these accounts appear to have been opened or assigned without my consent and are being inaccurately reported as valid debts.

The credit bureau and furnishers have failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i and have failed to comply with identity theft blocking requirements under 15 U.S.C. 1681c-2.

I am being harmed by the continued reporting of these fraudulent accounts, including damage to my credit score, denial of credit, and emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
First, let me say Citibank has been a terrible bank for years. I honestly have a few complaints. I will list them here -- Back in XXXX, someone around XXXX, MA got hold of my Citibank credit card and/or identity and made fraudulent charges. I reached out to law enforcement and to Citibank. However, Citibank reversed some of the charges and expected me to pay them even though they were fraud. Well, after reaching out ( on XX/XX/XXXX ) they gave me temporary credit, but then charged me again. Weeks later, after complaining they finally fixed what they needed to ( this was on XX/XX/XXXXXXXX  ). 

Years later, I was supposed to have received my new credit card and my {$100.00} bonus check which I used my points for. It took months and months of me trying to get my credit card! ( XXXX XXXX XXXX XXXX XXXXXXXX ) Finally and only by using XXXX did I manage to get some sort of reply -- this was on XX/XX/XXXX. I had to make numerous more calls and on XX/XX/XXXXXXXX   someone at Citibank admitted there was an " error '' on their end after I don't even remember how many months ( maybe 9 months to send me my credit card ). See screenshot XXXX. By XXXX of XXXX  I had finally received my card only to find out that Citibank lowered my credit from $ XXXX to $ XXXX without any notification. This seems to me almost like retaliation. See XXXX. Of course later Citibank just comes back and says " we hope your concerns were addressed '' which is a joke. See XXXX. Ultimately Citibank just circles back and they seem to hope I drop the {$200.00} they owe me ( XXXX {$100.00} dividend checks ) and they never explained why my credit was reduced -- I believe the latter ( and former ) are technically against consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX  I received the documents I requested, but had a question because I was not sent the Amortization schdule but a copy of the contract where the TILA info is shown.The payoff amount was a litle more than the original purchase price due to " unpaid interest ''. 
I made numerous phone calls to speak to a manager but there was always an issue in reaching someone. 
So after research I found that this is a predatory lender that we are caught in endless debt XX/XX/XXXXXXXX  I was finally transferred to someone that was presented to be a manager named XXXX. She proceeded to try to explain te nature of my call without asking me why I called.My concern was why my co-borrower had been paying on this loan for 2 years and nothing was being applied to the principal portion. She tried to give me their scripted answer but when I kept asking her questions she kept trying to end the call. She also told me there was an amount of {$580.00} due for XXXX included {$48.00} from XXXX an the XXXX payment. She said I could not be transferred. 
XX/XX/XXXX I spoke to XXXX, again same conversation but I was able to get some more info on how they do their ceative financing. So basically there is not resolution to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Good daythis situation is utterly frustrating and debilitating. Waking up to discover an unknown, unverified debt that isn't mine, followed by relentless harassment across multiple communication platforms using various tactics, is unacceptable. I never imagined starting my day with threats of legal action. As a law-abiding citizen, having my consumer rights blatantly violated is deeply insulting. This ordeal is severely impacting my mental health, causing sleepless nights and ongoing distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I keep getting illegally overdraft per there policy of a XXXX grace period

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a pre-approval letter from Chase and since it has been a bank I use to love, I decided what better bank to have my mortgage through as well. I met a lender, she sold me the sky and the moon, and I took it. She said everything will be fine, and I started the process of looking for a home. She said we would definitely close by XX/XX/XXXX. Each day, each time it was something new they needed. She stated that for my actual loan, ALL I needed was the offer letter because I was salary and that would work. There would be no paystubs needed, well that changed too, although my first pay would be prior to closing. The other individual working with the lender told me I needed XXXX. I went back, and she told me that one would be fine. Now that I had the inspection done, the appraisal done, and the offer was accepted, and I am ready to move in with what I thought was my first paystub, they are now telling me that because of my debt to ratio in XXXX I will not get this loan. I am without a home because of the high hopes and assurance I was given to start the loan and get my own home. I tried to do everything right by doing what the state of California told me to do and that was get an LLC or sole proprietor to save myself from any suits, before I could sell any of my handmade products that I made as a hobby. I want to know if I can get an attorney for this misrepresentation of misleading hope and urgency to apply so my credit score and dreams can be diminished by this big corporation? I need answers and I need a roof over my head now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I am uploading a copy of the cease and desist letter sent to the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1. Timeline of Errors : XXXX XXXX : Reported fraud Bank closed the old card and promised a new one. 
XX/XX/XXXX : Received a letter stating a new card was mailed ( 5-7 business days ). 
XX/XX/XXXX After my follow-up, the bank reopened the account and promised overnight shipping. 
XX/XX/XXXX : Received the card, activated it, and confirmed the account was ACTIVE. 
XX/XX/XXXX : Card was declined. The bank closed the account AGAIN without notice. 
XXXX XXXX : Promised a call from a manager, but they failed to call. Later told the case was " under research. '' XX/XX/XXXX ( Today ) : Manager XXXX refused to expedite, saying I must wait 10 business days ( XXXX  XXXX ), which is past my XXXX  XXXX transition deadling ( XX/XX/XXXX ). 

2. Documentary Evidence of Fraudulent Records : On XX/XX/XXXX, I received XXXX conflicting letters : XXXX. XXXX XXXX : Confirming account was reopened. 
XXXX. XX/XX/XXXX letter A : Stating they closed it " proactively '' because the reopening was a " mistake. '' XXXX. XX/XX/XXXX letter B : Falsely stating I " requested '' the closure. This is a fabricaton of records. 

XXXX. XXXX XXXX : This administrative failure blocks my transition to the XXXX XXXX platform. If not resolved by XX/XX/XXXX, I will lose my credit line and financial benefits. 

Desired Resolution : Immediate reopening of the account before XX/XX/XXXX and correction of the false " Customer Requested Closure '' record. 
( Reference Case Number : # 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 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
XXXX credit card company has called repetitively ( Monday-Saturday ) XXXX  times a day for almost a month. And even after paying last week, they called me XXXX  times today!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I had my identity stolen when our storage unit was broken into. We filed a police report, and was given a police report to show the person was arrested and charged with Fraud Use/Poss Identifying, fraud use/poss identifying info # items XXXX. 
The credit agency on XXXX that is still showing information that was taken out by identity theft. 
LVNV funding this has appeared XXXX  times. 
{$740.00} {$530.00} {$780.00} {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I opened an account with Ally Bank and used promo code " XXXX ''. The terms stated you needed to open account, use promo, and complete XXXX consecutive months of $ XXXX in direct deposits. Chatted with customer service and confirmed that I had applied promo. I completed XXXX consecutive months of $ XXXX ( XXXX and XXXX ). Chatted with agent XX/XX/26 and she said promo was applied, I did meet requirements, but needed to wait the 30 days the terms state for payout. I have patiently waited, but chatted back in today. Agent said promo was never applied and he would have to escalate it, but to expect a response in 30-35 business days due to popularity of promotion.

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 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
I am the guarantor. A bill that we knew nothing of appeared in XX/XX/year> for {$4400.00}. I agreed to pay $ XXXX to collection agency ( Simon Agency ) . I had received monthly statements confirming payments/balance due but have not for approximately XXXX XXXX I live in XXXX XXXX XXXX has a XXXX  year limitation, however it apparently resets after each payment from my research. The bill was incurred in XXXX. Neither my wife nor I knew of this bill, but I have paid in good faith for XXXX  years. I no longer get any statements that payment is received or balance is verified. Am I safe in assuming debt is discharged?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NY

Complaint narrative:
Today Trueaccord CorpXXXX placed a collection for {$780.00} on my credit report. They never contacted me prior to placing this on my report. I contacted them because I did not recognize the debt. I made them aware that I believe this debt is fraudulent and asked where the debt originally came from. They in turn said they use an outside agency and if I wanted to get all the info on the debt that I would need to pay {$1.00} in attempts to get my credit card information. This company is a fraud, and they are doing phishing scams through credit reports. They could not validate the debt and had no info on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX, I paid my Capital One credit card account in full, as shown by payments made on XX/XX/XXXX ( {$200.00} ) and XX/XX/XXXX ( {$170.00} ), which eliminated the principal balance. 

Despite the account being paid in full, Capital One continued to assess residual interest starting XX/XX/XXXX and for multiple subsequent billing cycles ( XX/XX/XXXX through XX/XX/XXXX ). During this period, past-due fees were also assessed even though no principal balance remained. 

This practice effectively made it impossible to fully close the account without additional intervention and appears to be an unfair and predatory billing practice, as interest continued to accrue after payoff without transparency. 

When I discovered the balance in XX/XX/XXXX, I had no reliable way to determine the correct payoff amount. The amount shown in the Capital One app differed from the amount stated by a phone representative, who provided only an estimate. 

On XX/XX/XXXX, I attempted multiple times to make payment by phone ; each attempt was disconnected before payment could be completed. During XXXX call, after I stated I intended to record the conversation solely for documentation and confirmation of payment, the call was immediately disconnected. No secure messaging option was available. 

I then made an online payment of {$46.00} on XX/XX/XXXX, in good faith, based on the information available to me, to resolve the balance as quickly as possible. 

Despite my prompt good-faith efforts, the account was restricted and negative credit information was reported. The negative impact resulted from continued interest assessment after payoff, conflicting payoff information, and inability to complete payment by phone, not from refusal or failure to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: ID

Complaint narrative:
On XX/XX/year>, I received a letter from Hunter Warfield regarding an alleged debt. The information in the letter referenced XXXX XXXX. To obtain clarification, I contacted the company and spoke with an individual named XXXX. He stated that the alleged debt was for an apartment at which I have never resided. 

I requested verification of the alleged debt. XXXX stated that verification had already been sent ; however, I have never received any bill, have no prior knowledge of this company, and after reviewing my records, I have never requested or received any verification regarding this matter. I requested that a new verification be sent, and this request was refused. 

I informed him that the alleged debt is not mine. He then asked if I wished to dispute the account, and I confirmed that I did. He stated that the request was denied. 

I am disputing this debt in its entirety and requesting proper validation, as required by law. This account does not belong to me, and I believe the collection activity is inaccurate and improper.

Company response to consumer: Closed with non-monetary relief