vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 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:
I am filing a complaint against Capital One XXXX regarding a withheld airline refund in the amount of {$1200.00}. I originally booked flights on an international airline ( XXXX ) through the Capital One XXXX portal. I later modified this travel portal booking directly with the airline due to the ongoing situation in XXXX. On XX/XX/year>, the airline successfully processed a refund for the cancelled portion of the tickets. The refund totaled {$1200.00} ( split across two passengers in the amounts of {$610.00} and {$630.00} ). Because the flights were booked through the portal, the airline routed the refund back to the original form of payment used to secure the ticketsa corporate agency credit card owned by Capital One XXXX, rather than my personal credit card. I have contacted Capital One customer support over 20+ times to request that a Ticketing Specialist pull these matching credits from their corporate merchant account and manually apply the credit to my personal card. Despite providing official confirmation emails and tax credit notes from the airline proving that the refund was processed to the Capital One corporate card on XX/XX/year>, the company has failed to take action. They just say they are waiting for information from XXXX and can not proceed without it, but no one is actually looking into the case. Capital One has now been holding my {$1200.00} for over two months. I am requesting that the company immediately trace these specific credit notes in their agency account and release the {$1200.00} to my personal credit card to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I submitted a formal written dispute on XX/XX/XXXX requesting debt verification. On XX/XX/XXXX I received a response containing only generic old statements and a sale letter from the original creditor. No signed agreement, no chain of assignment, no method of verification was provided. I submitted a second formal written dispute on XX/XX/XXXX citing inadequate verification. On XX/XX/XXXX I received the same generic documents and a boilerplate " account valid '' letter. Again no signed agreement, no chain of assignment, no account history from inception, and no method of verification was provided. On XX/XX/XXXX I submitted a third certified dispute and formal Method of Verification request. Delivery was confirmed XX/XX/XXXX. No response has been received as of XX/XX/XXXX. Despite having an active unresolved dispute on file, Portfolio Recovery Associates continued collection activity including repeated phone calls and text messages on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX. During this same period I received a text message stating that legal action had been filed against me. I searched court records and found no evidence of any such lawsuit. This constitutes a false and misleading representation. The account continues to appear on my credit report despite their failure to properly verify the debt after three formal disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: IN

Complaint narrative:
My spouse took out a joint debt consolidation loan under both our names with Upgrade Inc. for approximately {$9000.00} without my knowledge or consent in XX/XX/XXXX. I didn't find out about this until XX/XX/XXXX when he was XXXX and my son had to help with paying our bills. My son discovered accounts, including the one with Upgrade, that my spouse had kept hidden from me. We have had separate checking accounts for many years. This loan was deposited into his checking account. To this day, he will not tell me what he used the money for, and Upgrade refuses to give me any detailed information on why the account was opened in the first place. I contacted Upgrade regarding this fraudulent loan on XX/XX/XXXX, and after an investigation, Upgrade substantiated my claim by XX/XX/XXXX and submitted requests to XXXX XXXX and XXXX to remove the tradeline from my credit report. On XX/XX/XXXX, I also submitted a FTC Identity Theft Report regarding this fraudulent account and others my spouse had also kept hidden. For a time, I thought this issue was resolved on my end, and that my spouse alone would be held accountable for the loan. But in XX/XX/XXXX, I received a letter from Upgrade stating that this debt was being charged-off in my name as my spouse stopped making payments on it. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX stating that there was a " PL Fraud Repurchase '' from Upgrade Inc., and that I now owed the remaining balance of this fraudulent account to them in the amount of {$3300.00}. In XX/XX/XXXX, I requested Upgrade to send me confirmation that they had substantiated my fraud claim, and that I was no longer going to be held liable for this account, and they did so, but I have continued to receive letters from XXXX XXXX claiming that I am personally liable for this debt. I have sent XXXX XXXX a certified letter specifically requesting for them to resolve this issue, but XXXX has been holding the letter for two weeks so far after making one attempt to deliver while the company was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I thought I sent I sent a money to a wrong person on cashapp and I tap on a refund request for 5 times I am aged person .i told my cousin to help me login to my cashapp account to know if I sent to a wrong or correct tag she did and told me its was sent to the right personfast forward to XX/XX/XXXX when I tried to send to someone its keep cancelling and fail saying for a security protection reason .. its kept saying all that till XX/XX/XXXX when I found out that cashapp closed my account for no reason than saying I violated their privacywhich I know its not true .i submitted an appeal by cashapp but was denied on XX/XX/XXXX I am a XXXX and cashapp is more convenient for me to use I will be glad to get back my cashapp account I have already exhausted Cash Apps internal appeal options,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I told them to stop calling numerous time they did but they kept calling for months after I told To stop and that I was not going to pay a 150 % interest rate they claim I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, l presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 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: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
Multiple payment cards of mine were fraudulently charged XXXX of US dollars by Google. I contacted their customer service, but the staff responded unreasonably, stating they would not assist and telling me to negotiate with the fraudster myself. How am I supposed to do that? The fraudster used my card details to make purchases on his own Google account. Google has shown undue tolerance towards him. Are they in collusion with each other?

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint regarding a collection account reported by XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX in the amount of {$190.00}. I disputed this account with Equifax because I do not believe the account has been properly verified. After my dispute, Equifax stated that the account was verified ; however, neither Equifax nor XXXX XXXX XXXX provided sufficient documentation proving that I am legally responsible for this debt. I requested validation of the debt and the method of verification used to verify the account. Despite these requests, the collection continues to be reported on my credit file without supporting evidence being provided to me. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and furnishers of information are required to conduct a reasonable investigation when a consumer disputes information. I am requesting that XXXX XXXX XXXX, XXXX XXXX, and Equifax provide all documents used to verify this account, including any signed agreement, billing records, account statements, payment history, proof of ownership of the debt, and documentation showing that I am the responsible party. If proper verification can not be provided, I request that the collection account be deleted from my credit reports with Equifax , XXXX, and XXXX. I also request that the CFPB investigate whether the account was verified without a reasonable investigation and whether the reporting complies with the Fair Credit Reporting Act. Desired Resolution : Provide complete validation of the alleged debt. Provide the method of verification used. Remove the collection account from all credit reporting agencies if proper verification can not be produced. Correct any inaccurate information associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Issue Ongoing non responsiveness from Synchrony Bank and its outside counsel regarding a submitted settlement proposal and failure to provide status or acknowledgment. Complaint This matter has an established history of documented hardship and prior CFPB complaints already on file with Synchrony Bank. I submitted a General Release and Settlement Agreement as a pre litigation settlement proposal in the current matter being handled by XXXX and XXXX. There has been no acknowledgment of receipt, no confirmation of review, and no written response regarding its status. This issue predates involvement of outside counsel and continues a pattern of non responsiveness previously documented. I am now also elevating this matter in light of executive level involvement at Synchrony Bank to ensure the record is fully considered in the current review process. I request that Synchrony Bank Confirm receipt of the General Release and Settlement Agreement. Confirm whether it has been reviewed or escalated internally. Provide current status of the settlement proposal. Confirm how the existing documented record is being considered in this review. I am requesting CFPB assistance due to continued failure to acknowledge or respond to a formal settlement submission despite prior documented history and escalation attempts.

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 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME AND WAS REPORTED IN ERROR. I HAVE NEVER OPENED, AUTHORIZED, OR HAD ANY AFFILIATION WITH THIS ACCOUNT. I AM FORMALLY DISPUTING THIS ITEM AND REQUEST A FULL INVESTIGATION AND PROPER VERIFICATION. IF IT CAN NOT BE VALIDATED WITH COMPLETE AND LEGITIMATE DOCUMENTATION, IT MUST BE REMOVED IMMEDIATELY.

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 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT WORLD SERVICES, INC.
State: MO

Complaint narrative:
I XXXX XXXX XXXX XX/XX/XXXX sent a debt verification letter to XXXX, a Credit Bureau asking them to send me information showing me how they verified this debt of XXXX. The certified letter was sent XX/XX/XXXX and it was delivered to XXXX on XX/XX/XXXX. I have not received and information from XXXX proving that the debt was mine. The certified number is as follows : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: TX

Complaint narrative:
I am demanding a complete and transparent explanation of the events in questionspecifically, what occurred, why it occurred, and who authorized the retention or reporting of any data linked to my name. The continued lack of transparency is unacceptable and in direct conflict with your legal obligations. To be perfectly clear : I am demanding the immediate deletion of any and all data, records, or reported information that can not be verified with documented, physical, and legally compliant proof. All data must be accurate, fully validated, and lawfully obtainednot assumed, estimated, or based on incomplete or internal records. You have no consent to retain, report, or distribute any information that violates federal or state law. Continued noncompliance constitutes a clear breach of your responsibilities under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against XXXX for illegally reinserting a fraudulent Capital One account ending in XXXX after it had already been deleted from my credit report. This account does not belong to me and has been disputed multiple times as fraud. After XXXX deleted the account, it was later reinserted without providing proof of proper certification or notice. XXXX actions may violate the Fair Credit Reporting Act, including : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Illegal reinsertion of previously deleted information. 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation. 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy. I request the immediate and permanent deletion of the Capital One account ending in XXXX and all documentation supporting its reinsertion. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This debt is not mines, It was used by my ex XXXX XXXX XXXX. I am writing to formally dispute the debt you are reporting under my name. This account does not belong to me, and I have no contractual or legal obligation for the alleged debt. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am disputing the accuracy of this account and requesting immediate investigation and removal of any reporting associated with it. Reporting a debt that is not mine is inaccurate and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: NJ

Complaint narrative:
From XXXX through XXXX, my account suffered relentless, unauthorized automated merchant withdrawals totaling thousands of dollars under a fraudulent " XXXX '' merchant label. As proven by attached chat logs, I formally reported this active theft to Cash App support immediately as it began on XX/XX/XXXX, explicitly alerting them that the platform was intercepting pending emergency food funds sent by my children 's mother, leaving me unable to eat. Despite consistent, real-time fraud reports and replacing my card over 10 times, Cash App continuously forwarded my new billing tokens directly to the fraudulent source without my consent via their automated merchant token updater service, entirely failing to conduct mandatory Regulation E investigations. Crucially, I contacted XXXX customer support directly, and they formally confirmed via email that my Cash Card was never connected to any account in the XXXX ecosystem. This proves the charges were entirely spoofed transactions that Cash App 's fraud monitoring completely failed to halt, even when the merchant slammed my card with rapid-fire declined attempts nearly every single day ( such as XX/XX/XXXX ) trying to catch my deposits. The platform 's gross negligence caused catastrophic personal and professional damage. The fraud was so toxic it fractured my family relationships ; because the charges masked themselves in my daily ledger, I mistakenly accused my ex-girlfriend of the theft, later discovering it was this automated parasite. My ledger explicitly documents my desperate workarounds to protect my fundsincluding a manual {$9.00} transfer to my child 's mother explicitly earmarked for guitar strings because I knew my own card was entirely compromised. I was left constantly unable to provide immediate financial support for my XXXX XXXX, and my text messages from the time explicitly record me telling their mother in real-time : " XXXX robbed me. '' Furthermore, these sudden drains repeatedly left me stranded and cost me multiple jobs. This includes being left completely stranded in XXXX with a dead phone, missing morning XXXX right as I started working for myself as a general contractor, and a severe instance where I was left stranded at XXXX XXXX after finishing a XXXX shift because my account was wiped out. Because my employer paid me via direct deposit and I lacked alternative banking access, I was a captive consumer trapped in a loop of financial depletion. I have preserved the precise chronological timeline of support logs, successful thefts, and declined attempts, which are attached as definitive proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
* Issue Summary : U.S. Bank is refusing to provide archived transaction history for a closed payroll card account from 4 years ago, violating its own 7-year record retention policy. What Happened : XX/XX/year> : I discovered my former employer wrongfully clawed back my final wages from my U.S. Bank payroll card.XXXX XXXX XXXX Present : I made multiple documented calls to U.S. Bank requesting a transaction ledger of this reversal to provide to the California Labor Commissioner.The Violation : Customer service representatives repeatedly gave false information, stating they can not access records past 18 months and refusing to escalate the request to an archived research department.Desired Resolution : I demand U.S. Bank immediately pull this account from their long-term archives and provide a complete statement or transaction ledger showing the exact date, amount, and routing details of the employer fund reversal. * I have made multiple documented attempts to resolve this directly with U.S. Bank, starting as early as XX/XX/year>. Despite repeated phone calls over the last several weeks, representatives provided false information claiming records can not be retrieved, intentionally delaying my access to my own financial data. ''

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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
1 ) ) On XXXX XX/XX/year>, I was notified of the closure of my COINBASE account for the following reasons : 'After conducting a thorough review, we believe that your account has been involved in prohibited use that violates our Terms of Service, and we regret to inform you that we can no longer provide you with access to our service. ' 2 ) I have appealed the closure of the account because I have cryptocurrencies that are only traded on the COINBASE platform, 3 ) Despite this, I received the final decision with this brief explanation : " We are writing in response to your formal complaint dated XXXX XX/XX/year> requesting that Coinbase restore your access to your Coinbase account. After reviewing your account, we have determined that we can not restore these restricted capabilities to your account. Coinbase can not provide you with further information regarding the reasons for your account restriction. Coinbase is acting in accordance with its User Agreement in imposing this restriction on your account. '' 3 ) This closure seriously harms me as I am unable to sell certain cryptocurrencies that are only traded on COINBASE. 4 ) Furthermore, I believe it is unfair and arbitrary, with no transparency, as I have not made any use prohibited by the terms and conditions.

Company response to consumer: Closed with explanation