vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Is been years since I had an account with Capital One and this one became negative and then I ended up paying it for less money. Since then I been trying to apply to get a new credit card and I always got the same response from them : Based on your application information, Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage.

Looks like they still holding me back for what happened moren than 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding a failed dispute and unresolved charge for merchandise that was never received. 

On XX/XX/2025, I purchased an item ( Order # XXXX ) from merchant XXXX for approximately {$200.00}. The item was never delivered, and I did not receive a refund. 

After waiting without delivery or meaningful communication from the merchant, I contacted my bank and filed a dispute/chargeback. During the dispute process, I repeatedly followed up by phone because I was not receiving clear updates, written notices, or documentation explaining the status of my claim. 

The dispute was ultimately denied for being outside the timeframe. However, I had attempted to contact my bank earlier and was actively trying to resolve the issue. I was not provided clear evidence of delivery, nor was I given a detailed explanation showing how the decision was reached. 

After the case was closed, I contacted the merchant directly. The merchant confirmed in writing that the order was never fulfilled and was never shipped, stating that once a chargeback is filed, the order can not be processed. This confirms that I did not receive the merchandise I paid for. 

Despite this, I have not received a refund, and the funds remain withdrawn from my account. 

My concerns are : I paid for merchandise that was never delivered. 
The dispute investigation lacked transparency and clear communication. 
I was not provided proof of delivery or sufficient justification for the denial. 
I remain financially responsible for an undelivered item. 

I am requesting a formal review of this matter, including a proper investigation into the dispute handling and assistance in recovering the funds for the undelivered merchandise.

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 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
Select portfolio services has failed to send me my insurance and taxes escrow overage. I have always paid timely and even told them they were over escrowing taxes and insurance. No response. I get a let dated XX/XX/XXXX & XXXX that Ive overpaid my escrow. Ive contacted them and theyve failed to send it. 43 days is plenty of time to resolve their errors. 

SPS XXXX. 
XXXX ext. XXXX They recognize their errors but wont send the escrow refund. 

I need your help. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau because XXXX  has failed to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX  did not conduct a reasonable reinvestigation of a disputed collection account, violating FCRA 1681i, and did not ensure maximum possible accuracy under 1681e ( b ). Additionally, as a victim of the XXXX XXXX data breach, XXXX  now has a heightened obligation to ensure all data is fully verified. They have failed to provide any proof of the debt or compliance with XXXX XXXX standards. I demand immediate deletion of this account and full documentation of their investigation. If this is not resolved, I expect further regulatory action. I ask the CFPB to investigate XXXX  noncompliance and ensure my rights under the FCRA are fully upheld.

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 2026-02-05 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I returned merchandise purchased from XXXX by USPS mail to the XXXX XXXX XXXX store in accordance with XXXX XXXX instructions. XXXX tracking shows the return was successfully delivered in XX/XX/year>. Despite confirmation of delivery, XXXX never issued the refund. 

I contacted XXXX multiple times regarding the missing refund and was told a case had been opened and that I should expect a refund within one week. I never received the refund.

I then contacted Comenity, the issuer of the XXXX credit card, multiple times to dispute the charge and request resolution. The dispute remains unresolved and no refund has been issued.

Comenity primarily communicates through its online message center, which requires logging into my account. However, Comenity uses SMS-based verification codes to access the online portal, and these codes are consistently delayed by hours and expire within five minutes, making it impossible for me to log in and access messages or manage my dispute. I have raised this issue with Comenity, but no alternative verification method has been provided.

As a result, I am unable to access my account or resolve the dispute. I am requesting that the refund for the returned merchandise be processed and that Comenity provide a reasonable alternative to SMS-only verification so I can access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/2026, PayPal emailed me confirming that my balance was available to withdraw. Later the same day, PayPal permanently limited my account and locked the balance for 180 days. 

PayPal has confirmed in writing that my funds of {$140.00} will be held until XX/XX/2026, despite previously confirming availability and despite no chargeback or dispute occurring. 

I am requesting release of my remaining balance or written justification for reversing the funds-available confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I made a payment on XX/XX/XXXX to my car loan with American Credit Acceptance. The payment was processed successfully. However, on XX/XX/XXXX, my vehicle was placed up for repossession. I was informed that I did not make a payment due on XX/XX/XXXX and that my XX/XX/XXXX payment had been reversed.

I contacted my bank and was advised that they did not receive any returned funds from American Credit Acceptance. I then contacted American Credit Acceptance, and they stated that they were unable to provide any receipt or documentation showing that the payment was sent back. 

On XX/XX/year>, after filing a dispute with XXXX, the bank I used to make the XX/XX/XXXX payment, I was informed that they have no record of any incoming funds from American Credit Acceptance related to a reversed payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have called Citi bank XXXX anywhere via phone number. I was put into a payment program in XXXX at 6 % interest rate and learned today I have been paying 9.9 % since XXXX at minimum. I asked for an original agreement for such and thy can not provide me with anything including statements as far back as XXXX is as far as thy can not provide go. Which they cant verify when these changes were made, how much I have paid in the past and any changes when my interest shouldve been locked in.

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 2026-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
b"I am disputing an unverified $XXXX auto deficiency debt. On XXXX, I sent a formal Demand for Verification to the collector via USPS Certified Mail (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX). USPS records prove they received this in XXXX XXXX, yet they have failed to validate the debt for over 60 days.\n\nThe reporting of an 'Involuntary Repossession' is fraudulent. After the vehicle was recovered from theft, it sat at a dealership for months due to incompetent diagnostics. A XXXX XXXX manager explicitly instructed me to stop payments and surrender the vehicle once released. I followed this instruction and personally delivered the keys to the XXXX branch manager.\n\nFurthermore, there are massive accounting inconsistencies: XXXX XXXX previously claimed a $XXXX deficiency, while the collector now claims $XXXX. This $XXXX discrepancy remains unexplained. The collector has also called me bi-weekly since XXXX XXXX without identifying themselves as debt collectors (violation of 15 U.S.C. 1692e(11)) and attempted an $XXXX settlement in XXXX XXXX  while ignoring my legal right to verification."

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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Applied for PNC business checking account approx. XXXX month ago. Received an email thanking me for applying. XXXX weeks later receive another few emails that it was approved and I need to fill out and sign documents to continue with opening. To which I never replied. Some more time goes by with repeated requests by PNC for me to sign. I did not. Then I receive a debit card in the mail along with account opening notice and via email as well. I call their customer service line which tells me that there is no signature card on file and they can not verify I am the owner of the account over the phone despite giving them my XXXX and all relevant info including social security number. They tell me to go into a branch. I go into the PNC branch today ( XX/XX/year> ) located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The teller asks for my driver 's license and XXXX etc and business name. I also provide the documents I received in the mail from them physically ( debit card etc ). The teller asks her manager and the manager says " I should have been out of here XXXX minutes ago I can't deal with it ). Keep in mind this is at XXXX on a weekday. Almost XXXX hours prior to their official closing time. The teller then tells me she " does not have a manager who can handle business checking at this time ''. Which was clearly a lie. She then tells me I need to call their XXXX number to close. I tell her I did and after being on hold for XXXX hours was told to come to a branch. I ask when a manager will be available to close my account and she responds " could be a week could be XXXX weeks I don't know ''. I say " so what happens if I just do nothing? ". To which she responds " you really should close it ''. I then call another branch who tells me they don't know how to close it either. I am now left with a PNC business checking account that I did not open myself and that they will not close for me. Surely this can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I closed a Chase credit card account on XX/XX/XXXX. I have statements ( see attached ) from Chase from XX/XX/XXXX confirming the closure of the account. Chase stopped sending me any statement after XX/XX/XXXX since the account was closed. In XX/XX/XXXX, Chase erroneously allowed a vendor to process a transaction against this closed account. As this account has been closed for a long time, I had no way to know this transaction was processed erroneously and Chase never sent me any communication to inform me of any balance on this long closed account. I suddenly received an alert from credit bureau in early XX/XX/XXXX that my XXXX XXXX dropped over XXXX points due to a delinquent credit card account as reported by Chase to them. I immediately called Chase and they admitted their mistake and told me I need to launch a complaint with each bureau so they can then respond to clear my credit report. I did that and they bureaus contacted Chase who simply responded that the account was showing as delinquent even though Chase told me to follow this process so they could clear it. I asked Chase to confirm in writing what they told me verbally which was that this was their mistake so I could contact the bureaus myself to remedy this situation since they agree that the delinquency should be removed. They told me they don't provide such documents to customers. They said I should file another complaint to the credit bureaus but I have no confidence they will properly resolve it since they already did this once and they again failed to clear it up. It's been over XXXX month since my XXXX XXXX was severely damaged and I still can't get Chase to fix a problem they created that has very damaging effect on my credit score.Please help me resolve this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: FL

Complaint narrative:
being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
have reason to believe that my personal information may have been compromised as a result of the recent TransUnion data breach. This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data. 
Under my rights provided by the XXXXspecifically sections XXXX, XXXX, and XXXX well as the XXXX XXXX, I am requesting the immediate deletion of any accounts, inquiries, or records on my file that can not be fully and independently verified at the furnisher level. 
Please note, if this request is not honored, I will be filing formal complaints with the CFPB, the FTC, and the Attorney General 's Office. 
So l 'd like you to confirm : Will you open an investigation and remove all unverifiable items from my credit report?

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 2026-02-05 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery Associates , LLC ( " '' PRA '' '' ) Company Address : XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX This company took me to court and lost, I was found not responsible. 
XXXX. They have not removed me from the credit report XXXX. They are still trying to collect on this debt, by calls and sending me Mail from there attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint regarding Chase Banks handling of my unauthorized transaction claim. On XX/XX/year>, I reported that my phone was lost. After my phone was no longer in my possession, an unauthorized in-person transaction for {$570.00} was made on XX/XX/year>. I did not make or authorize this purchase. 

Chase issued a temporary credit while investigating the claim. However, I later received a letter stating that Chase determined the transaction was authorized and that the temporary credit would be removed on XX/XX/year>. I strongly disagree with this decision. 

On XX/XX/year>, shortly after receiving the denial letter, I went to a Chase branch with a written statement requesting to escalate or reopen the claim. I asked to speak directly with a supervisor or manager, but branch staff refused and stated they would speak to management on my behalf. I was then told there was no way to escalate or reopen the investigation. 

Bank representatives stated they believed I authorized the transaction because biometric authentication such as facial recognition or fingerprint was allegedly used. However, my phone had been lost and was in someone elses possession at the time of the transaction. I did not authorize anyone to use my device or make purchases on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
someone use stole my SSN and try to open an US Bank account on XX/XX/year>. 
I called US bank and reported fraudulent activity on XX/XX/year> and answered by 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 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
TSI has been attempting to collect debt that is incorrectly reported to the XXXX credit reporting bureau. 
15 use 1681a XXXX. Reporting information that is said to be excluded from my consumer report that invokes information as to transaction or experience between myself and a creditor. Delete late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
So my brother got XXXX  on XX/XX/year> up in XXXX XXXX the next morning I received a call from a man saying he was from XXXX XXXX XXXX department he was with a program that can get my brother out of XXXX  he said that his bond was XXXX that I can pay that he will be out in a hour then he said that my brother had to go through anger management class which will start on the next day which is XX/XX/year> the classes was XXXX additional XXXX for XXXX XXXX which I sent them a total of XXXX through Cash App then they started asking for more money I hung up called XXXX XXXX found out it was a scam called cash app right away went and filed a police report called my bank but I had to wait a couple of days for it to clear to dispute with my bank I really thought it was real but Cash App denied my claim saying I cant get my money back that was my money all the money I had I fell victim to these people trying to save a love one I thought that was all my savings all the money I had I did because I knew my brother will give me my money back once he got out but he didnt know anything about it if I have to take a XXXX  I will but XXXX going through every step to try and get it back my bank told me I probably wont get my money back either but I XXXX  heard anything from them

Company response to consumer: Closed with explanation