vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AL

Complaint narrative:
I opened a XXXX XXXX checking account. After I filed taxes on XX/XX/year>, I applied for tax advance. After IRS accepted my return, I was approved the advance. The XXXX dollars was put on a credit karma card. While waiting for the physical card, I should have been able to access my virtual card; thus being able to get my money. The problem is as of XX/XX/year>, I can not see all the numbers on my virtual card. While I linked my bank account to this Credit karma card, the system would not let me link my bank 's debit card. After speaking to several customer service agents, along with a supervisor ; plus an online chat, I was not helped at all. I was told that I either could do a standard transfer to my bank which takes XXXX business days or wait for the system to generate all the virtual card numbers. They could not tell me when I would see all the virtual card numbers or be able to link my bank 's debit card. I told them about having recent XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX I also said I needed the money on my card now to pay for desperately needed XXXX medications. Also they caused me undue stress that I don't need at this time. This is ridiculous that I have XXXX of my own money, and I cant access it. I will never use them again. Can you please follow up with Credit Karma? Make their practices be held accountable? XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/year> I was working at my job at this address XXXX XXXX XXXX XXXX XXXX XXXX Wa, I was on a break checked my banking I saw about 6-7 transactions that I did not authorize on the other side of the United States , I turned my card off, then I called to report an hour later on my lunch break, she said the transaction were still pending, I told her to turn card off it was fraud, then 2 days later the I checked my bank and a lot more money had come off, so I had 2 claims first claim # XXXX {$1200.00} {$140.00} XXXX XXXX  XXXX XXXX NJ {$140.00} XXXX XXXX XXXX XXXX NJ {$140.00} XXXX XXXX  XXXX XXXX CT {$140.00} XXXX XXXX  XXXX XXXX NY {$270.00} XXXX XXXX  XXXX XXXX NJ {$260.00} XXXX XXXX XXXX XXXX NJ {$260.00} XXXX  XXXX XXXX XXXX NJ XXXXotal fraud on this claim {$150000.00} I also went through escalated complaints they both denied the fraud even though they approved the second claim # XXXX that had the same merchant as in the one they denied, the reason they gave me -the disputed transactions occurred at locations or with merchants similar to my normal card usage and the transactions were types or amounts similar to my previous purchasing pattern. Which is a total lie! Ive never been to New York New Jersey or Connecticut nor do I spend XXXX on restaurants or nail places, I have been with Wells Fargo for 15 years they can see clearly that this is not typical! I also filed a police report # XXXX in XXXX XXXX Washington, please help me get this figured out!

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 2026-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. Richard Epps, P.C.
State: NC

Complaint narrative:
I have a debt been paying every month and they have not given me a balance or proof that I have made payments but have paid them multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet mishandled accounts : Borrowers protections with Fair Credit Reporting Act and the Higher Education Act. Inaccurate reporting on my credit report of balances and late payments without giving me the requested information that shows that I owe these amounts, and they have not given me any copies of contracts that has my wet signature to validate their claim of the amounts owed. I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My bank has been holding my money hostage for almost a year and I can't access to my funds.

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 2026-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
I received a cash advance from Dave in the amount of XXXX XXXX with a required repayment period of five days. At the time of the advance, I was charged a total of XXXX XXXX in costs. This included a fee associated with the advance itself and a monthly membership fee that is charged regardless of whether a loan is taken.

Given the very short repayment period, the total cost to borrow XXXX XXXX for five days was XXXX XXXX, which is a significant portion of the amount borrowed. After reviewing these charges, I contacted Dave to raise concerns about the fees and the repayment terms.

After I raised these concerns, my account was deleted. When I attempted to access the app again, I was prompted to enroll as if I had never had an account. Because my account was deleted, I no longer have access to my loan records, fee breakdown, or repayment information.

I requested written confirmation of whether there is any remaining balance, confirmation that my membership has been canceled, assurance that no further fees or debits will be charged, and an explanation for why my account was deleted after I complained. As of now, I do not have clear documentation or confirmation resolving these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not XXXX  my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( XXXX ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

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 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding a debt being reported and collected by this company that is inaccurate and has not been properly validated. 
I previously disputed this account and requested verification. To date, this company has failed to provide competent evidence that I authorized this account, including a signed contract, original application, or other documentation bearing my authorization. 
Despite the lack of proper validation, this account continues to be reported to consumer reporting agencies, causing ongoing harm. Additionally, the account appears to have been sold or transferred multiple times, further calling into question the accuracy and ownership of the alleged debt. 
Continued collection and reporting of an unverified and inaccurate debt constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I am requesting that this company either provide proper verification of this debt or cease collection and delete the account from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate billing and credit reporting related to a CareCredit account issued by Synchrony Bank for services from a medical spa. 

On XX/XX/year>, I had an appointment at a medical spa for a promotional microblading service. My understanding at the time of booking and service was that this promotion applied to XXXX visit only, which is the only visit I attended. 

After the service was completed, the provider offered a package of additional services and submitted a CareCredit application on my behalf. I was approved for approximately {$3400.00} and a follow-up appointment was scheduled for XX/XX/year>. I did not attend this appointment and did not receive any additional services beyond the initial visit on XX/XX/year>. 

On the following Monday, I contacted the medical spa to cancel the package. I also contacted Synchrony Bank/CareCredit to notify them that I was canceling the package and should not be charged for services that were never rendered. 

Despite this, charges for the full package were posted to my CareCredit account. I submitted a dispute with CareCredit and Mailed documentation on XX/XX/year> including : Receipts for payments made ( {$50.00} and {$10.00} ) Email documentation indicating the service was a promotional microblading offer Explanation that no additional services were received I was informed that the documentation was not received, and a second dispute was initiated. Both disputes were resolved in favor of the medical spa, despite the fact that the additional services were never rendered. 

As a result, I am being charged nearly {$4000.00} for services I did not receive, and this balance is now being reported on my XXXX  credit report. The receipt being relied upon reflects a package of services that were canceled and never performed. 

I am requesting : Correction or removal of charges for services not rendered Correction of inaccurate credit reporting Adjustment of the account balance to reflect only the single promotional service actually received.

Or Individual Receipts of services they say i received dates and times as well Thank you for your assistance in resolving 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 monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
there are fraudulent accounts on my report that i am not aware of when i obtained my credit report there were accounts that was not mine on their i have tried to dispute and work with credit buraus there has been no solution i want the accounts removed blocked and deleted or pay violation fee

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am submitting this complaint regarding a debt collector that is reporting and/or attempting to collect an alleged debt that has not been properly validated.

I dispute this debt in its entirety. I have requested validation of the alleged account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, yet the debt collector has failed to provide sufficient documentation proving : That I am legally obligated for this debt The identity of the original creditor The original account number A complete breakdown of the amount allegedly owed Proof of the debt collectors legal authority to collect this debt ( including assignment or purchase documentation ) A copy of any signed agreement or contract bearing my signature The date of the alleged debt and the date of last payment Additionally, I have been impacted by a major data breach involving my personal identifying information. Due to this breach, there is an increased risk of identity theft and fraudulent accounts. This makes proper validation of any alleged debt especially critical.

Despite the lack of proper validation and the heightened risk associated with the data breach, the debt collector continues collection efforts and/or continues reporting this account to one or more credit reporting agencies. Reporting or verifying an unvalidated debt under these circumstances is misleading and constitutes an unfair collection practice.

Until proper validation is provided, the debt collector is required to cease all collection activity, including credit reporting. Failure to do so may constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

I am requesting that the CFPB require the debt collector to : Provide full and proper validation of the alleged debt, or Cease collection activity and request deletion of the account from all consumer reporting agencies I am requesting the CFPBs assistance in ensuring compliance with federal consumer protection laws, particularly given the increased risk created by the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX Capital One decided to closed my checking and Savings account due to suspicious activities including where my money came from, so Capital one sent me my saving account of XXXX cent, which I received in the mail but they owe me {>= $1,000,000} in my checking account, I've haven't received, so I called them since XX/XX/XXXX, on a daily basis I try on online with my app. but show it locked to access it, to call this number XXXX it takes me to the fraud dept tellers form there I talked to the tellers there, make me wait XXXX mins. to talk to the main agent that is in charge of this investigation but each time the tellers tell me its pending for the last XXXX days since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
XXXX accounts were open while I been in federal custody XXXX credit cards lvnv XXXX XXXX XXXXXXXX someone use my identity to open XXXX credit cards while was in federal prison last XXXX years this my inmate you can verify all this info my inmate number XXXX XX/XX/year> XX/XX/year> both accounts open

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
On XX/XX/year>, XXXXo Apple Pay transactions totaling {$2700.00} ( {$2200.00} and {$530.00} ) were made on my credit card while I was traveling internationally. These transactions occurred after my Apple XXXX was stolen. I did not authorize these transactions, did not provide biometric or passcode access, and did not benefit from the purchases. 
I disputed the transactions promptly and repeatedly on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. During these disputes, the company applied temporary credits while investigating, but later reversed them on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. 
On XX/XX/year>, I spoke with a supervising representative who informed me that the primary reason the disputes had been denied was the absence of a police report. I was advised that submitting a police case would allow the dispute to be reviewed again. 
Following that instruction, I filed a new police case with XXXX Police and re-disputed the transactions on XX/XX/year>. I submitted screenshots documenting each step of the police report process along with all requested supporting materials. This information was provided electronically and in paper form. 
Despite submitting this new evidence, the company closed the dispute again, stating only that our records indicate the transaction was authorized. The response did not address the stolen device, the newly submitted police case, or explain how I personally authorized transactions made after my device was stolen. 
I requested clarification on how the transactions were determined to be authorized and what agreement terms applied, but the company did not provide specific evidence or a substantive explanation. The disputed charges remain on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I contacted an individual advertising a XXXX XXXX puppy for sale online. The seller contacted me via text message and instructed me to review an email containing pricing details. The total price was {$650.00} for the puppy and {$300.00} for air transportation. I agreed to these terms, signed a contract, and sent {$950.00} via XXXX to a phone number listed under the name XXXX XXXX ( XXXX ). 

The seller, who identified himself as XXXX, stated the puppy would be shipped the following day. Shortly after, he informed me that an additional payment was required for a travel crate. The next morning, I received an email stating the crate would cost {$1500.00} to ensure the puppy could travel safely. As this was my first time having a puppy shipped by plane, I believed this was a legitimate requirement. 

When I attempted to send the payment, I encountered bank transfer limits. The seller then instructed me to send the funds via XXXX. After the payment was sent, I was informed that an additional {$1000.00} was required for pet insurance, which I also paid via XXXX. 

After these payments, the seller stated I needed to send more money for vaccinations. At this point, the situation became suspicious. I researched the shipping company the seller claimed to be using and discovered it was not a legitimate business. The associated website also appeared fraudulent. Despite this, the shipping company claimed I would receive a full refund of {$2500.00} once the puppy was delivered. 

I requested proof of the puppys vaccinations, but the seller was unable to provide any documentation and continued to give excuses. When I refused to send additional funds, I informed the seller that I no longer wanted the puppy and requested a refund. He refused and stated that the shipping company required an additional {$650.00} payment to return the puppy. 

Upon reviewing the contract again, I confirmed that there was no mention of mandatory pet insurance, a travel crate fee, or additional vaccination costs. At that point, it became clear this was a scam. I contacted my bank to report the fraud and request a refund, but my claim was denied. 

I believe this was an intentional online pet scam involving false representations, escalating fraudulent fees, and the use of XXXX  to avoid traceability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX SECRETS ACCOUNT OWES A BALANCE OF XXXX WHICH IS NOW ON A PAYMENT ARRANGEMENT ALTHOUGH ON CREDIT REPORT IT SHOWS AS A NEGATIVE MARK, XXXX REQUESTING IT TO BE REMOVED, SO THAT ALL INFORMATION IS ACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX I was notified by Discover Bank that I would receive {$1500.00} via XXXX from a sender into my account. This was a usual twice a month XXXX transaction where the sender and I never had issues. It typically takes a few days to post so I waited for the money to show up in my account. I checked my account on XX/XX/XXXX and noticed I never received the payment. Discover Bank never notified me that anything was wrong. I called them and they said that their policy to receive XXXX into Savings accounts changed on XX/XX/XXXX so my account was not eligible to receive the XXXX. The sender never cancelled the payment, their bank ( XXXX XXXX XXXX XXXX shows the funds as having left their account, and the sender called their bank which confirmed the funds were disbursed. 

Discover Bank tells me they cant do anything so now the {$1500.00} is just gone. Discover Bank changed their policy, not the senders bank, so I need Discover to figure out what happened to the XXXX I was supposed to receive and/or contact the senders bank to figure this all out.

Company response to consumer: Closed with explanation