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: 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: AZ

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding an unresolved billing error on my PayPal Credit account. 

On XX/XX/year>, I used PayPal Credit ( issued by Synchrony Bank ) to purchase a XXXX XXXX XXXX rowing machine for {$440.00}. The product arrived defective and never functioned as intended. 

I contacted the merchant within the return period and repeatedly thereafter. The merchant acknowledged in writing that the equipment arrived broken and attempted to cure the defect by sending replacement parts, but the product was never repaired or made usable. The merchant ultimately refused to issue a refund. 

I disputed the charge through PayPal/Synchrony . A provisional credit was issued, but on XX/XX/year>, that provisional credit was reversed, and the {$440.00} balance was re-posted to my PayPal Credit account. As a result, I remain financially liable for the charge and was required to pay it to avoid interest and credit harm. 

I made that payment under protest solely to avoid finance charges and negative credit reporting. 

The merchant has admitted the defect in writing but claims that PayPal overrode the refund and that they no longer owe anything. Synchrony Bank, in turn, has told me to resolve the issue with the merchant and closed the dispute. 

This response is inconsistent with the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z. The charge represents a billing error because the goods were defective upon delivery, the merchant failed to cure the defect, and no completed refund occurred. A provisional credit that is later reversed does not constitute resolution of a billing error. 

Synchrony Bank has failed to properly investigate and correct this billing error and has improperly shifted merchant risk to the consumer.

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 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint regarding the continued reporting and collection of an alleged debt that remains inaccurate and unverified. 

I previously disputed this account directly with the debt collector and requested full validation of the alleged debt, including proof of legal ownership, chain of assignment, and a complete itemized accounting of the balance being reported and collected. 

The collector failed to provide sufficient documentation. They did not provide competent evidence of legal ownership of the debt, a purchase or transfer agreement, or a full itemized accounting supporting the balance, including fees and interest. 

Despite the lack of proper validation, the collector continues to report this account to the credit reporting agencies. 

I disputed this account with the credit bureaus on XXXX separate occasions. The account was marked as verified both times without any competent evidence being provided to support the accuracy of the balance or the XXXX legal authority to collect. 

The continued reporting of an unverified and unsupported balance constitutes inaccurate credit reporting and a failure to properly investigate disputed information. 

I am requesting that the collector conduct a full investigation, provide complete validation of the debt, or immediately delete this account from all credit reporting agencies and cease all collection activity.

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: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I had {$14000.00} in my account, yet only {$10000.00} was released on XX/XX/XXXX. On XX/XX/XXXX, at XXXXXXXX XXXX, you stated in writing that the remaining {$3800.00} was in my account, and I could withdraw it myself. However, I could not do so, as my account was locked. This contradicts your recent response. I also spoke with a XXXX who noted my account closure was default, not due to funds. I request a full explanation and the release of my rightful funds. If unresolved, I will escalate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
I reached out to affirm making them aware these charges did not belong to me and requested validation of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Im reaching out because Im having trouble understanding the accuracy of the account youre reporting. I demand for this to be removed from my credit report, its damaging.... I asked for validation within 30 days of your initial contact, and under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), collection activity should pause until proper verification is provided. To help me review this, Im requesting : A copy of the original signed agreement, a complete account history and confirmation that you have the authority to collect this debt Until I receive this information, I would appreciate it if collection efforts could be paused and the account not reported while the matter is reviewed. Thank you for your time and assistance. I look forward to resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I have reached out to this debt collector several times to understand this debt that Im being charged for and no response or I get the run around. Upon doing research they do debt collection for apartments, I have resides at my current residence for XXXX years so I am very confused .I have been getting denied on XXXX applications due to this unknown debt and am now facing XXXX  and I dont even know what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, Bank of America restricted my checking account to credit only status following a payroll deposit from my employer. 
I contacted Bank of America by phone on XX/XX/XXXX and again on XX/XX/XXXX to inquire about the restriction. During these calls, Bank of America representatives stated that Bank of America did not independently flag the transaction or my account as fraudulent. Instead, I was told that the restriction was placed based on a note or information received from XXXX Bank regarding the incoming payroll transaction. 
XXXX Bank is the bank used by my employers payroll system. 
Because the restriction remained unresolved, I visited a local Bank of America XXXX XXXX on XX/XX/XXXX. While at the XXXX XXXX, staff attempted to contact internal  departments for clarification and escalation but were unable to reach anyone. I was informed that the issue would need to be escalated further, but no immediate resolution was provided. 
My employer and the payroll system confirmed that the payroll funds were successfully released and that there were no issues or restrictions on their end. However, they were unable to confirm whether any fraud claim, note, or restriction had been placed by XXXX Bank against the transaction or against me. 
I was later informed by the Bank of America XXXX XXXX that the restriction on my account could not be removed unless the issue or note at XXXX Bank was withdrawn. Bank of America has not provided documentation identifying the nature that note, whether it constitutes a fraud claim, or how it may be resolved. 
I submitted a signed letter from my employer verifying the legitimacy of the payroll transaction. This documentation has not resulted in any progress or resolution. 
As of today, my account remains restricted. Bank of America continues to maintain the restriction based solely on unverified third-party information, without providing written confirmation, a clear explanation, or a path to resolution, despite multiple phone calls, an in-person visit, and supporting documentation from my employer.

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 when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My paypal credit account was enrolled in autopay with a verified linked bank account and sufficient funds available. Payments were reversed or failed due to a processing issue outside of my control. I was not properly notified before the account was reported past due and closed. The amount was minimal and I resolved it immediately once aware. Synchrony verified the negative reporting without meaningful documentation. I request a full reinvestigation and removal of the late payment reporting or written verification explaining how delinquency was determined and why proper notice was not provided.

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company : Capital One Product : Capital One XXXX XXXX  Credit Card Account/Card : ending in XXXX Primary issue : Account blocked immediately upon activation by Security with no resolution ; While annual fee billed with risk of negative credit reporting. 

On XX/XX/2026, I activated my new Capital One XXXX XXXX credit card ( ending XXXX ). Immediately upon activation, the card was security-blocked. The card has never been used for any purchase or transaction. 

Since XX/XX/XXXX, I have called Capital One many times and spoken with multiple representatives and several supervisors/managers. Each time, I was told they can not remove the block and that an escalation was submitted, and that only the Capital One XXXX team can contact me by phone to complete whatever verification is needed and remove the restriction. Despite repeated follow-up calls over the past XXXX weeks, no XXXX team member has contacted me, and the restriction remains in place. 

Meanwhile, Capital One assessed the XXXX XXXX fee immediately after activation. My statement shows this fee must be paid by XX/XX/2026. Because the account was blocked instantly and remains blocked with no XXXX, I have been unable to use the card, and I am concerned about paying an annual fee for a card I can not use. I am also concerned about late fees, interest, and any negative credit reporting that could occur due to Capital Ones unresolved security restriction and the lack of a timely resolution. 

I am currently travelling in XXXX XXXX ( XXXX ) and can be reached by phone during XXXX XXXXXXXX XXXX XXXX ( which is late evening in XXXX XXXX XXXX. Capital One has had ample opportunity to contact me during this window but has not done so. 

Steps already taken : Multiple phone calls to Capital One customer service and supervisors/managers between XX/XX/XXXX and XX/XX/2026. Repeated requests to have the XXXX team contact me and provide a clear path to complete verification and remove the block.

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 was paid
Company: FinCo Services Inc DBA Current
State: ME

Complaint narrative:
What Happened ( XXXX ) I am filing this complaint regarding improper handling of a prepaid card billing error dispute, regulatory misclassification of the product, failure to provide required documentation, and ongoing inaccurate credit reporting caused by the banks actions. 

The transaction at issue was processed using a prepaid card funded with my own money. No extension of credit occurred. This matter is governed by Regulation XXXX ( XXXX XXXX. Part XXXX ) not XXXX XXXX or the Fair Credit Billing Act. 

Detailed Explanation ( Chronology ) XX/XX/year> Rental and Overbilling I rented a vehicle from XXXX XXXX XXXX XXXX. While the rental itself was authorized, XXXX later charged my prepaid card an amount over {$1100.00} higher than the agreed rental price. The excess consisted of post-rental add-on and penalty charges ( including a purported repo fee, late fees, and miscellaneous charges ) that I did not authorize or agree to. 

XX/XX/year> Dispute Filed I timely disputed the charges through Current, the program XXXX for my prepaid card, as a wrong-amount / billing error under Regulation  XXXX. 

Dispute Misclassification and Denial The bank incorrectly treated my dispute as an unauthorized transaction / fraud claim rather than a billing error. The denial relied on irrelevant factors such as drivers license presence, IP address, and device usage, while failing to address whether the additional charges were contractually authorized. The bank also improperly referenced Regulation XXXX  which does not apply to prepaid cards. 

XX/XX/year> Undisclosed Chargeback After denying my dispute and suspending/closing my account, the bank initiated a chargeback months later without notifying me. This reversal left the merchant unpaid. 

Collections and XXXX XXXX XXXX XXXX XXXX A Car has confirmed in writing that the alleged balance exists solely because of the chargeback initiated by the card-issuing bank, not because I failed to pay a valid obligation. Despite this, the transaction has been reported as a debt/collection, causing ongoing credit damage. 

Failure to Provide Required Documentation After the denial, I formally requested copies of the documents relied upon to determine that no billing error occurred. Despite repeated requests, the bank has failed to provide the underlying merchant documentation, rental add-on authorizations, or chargeback records, as required by Regulation  XXXX.

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 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: DC

Complaint narrative:
Ive been trying to dispute fraudulent charges to my account for the past five years since the COVID pandemic. Despite my efforts, they refuse to remove these unnecessary charges and instead place my account in delinquency for past-due charges amounting to approximately {$600.00}. I assure you that I have paid off my debt to them, and this charge was made without my knowledge. Someone hacked my account and charged it up again. I would just like this to be removed and updated to my credit report so it could be in good standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Over XX/XX/year> to XX/XX/year> my company XXXX XXXX XXXX XXXX completed a rush 3 day move for a XXXX  XXXX. We were paid into my personal account under @ XXXX  as friends and family. About 3 weeks later XXXX filed a complaint with XXXX  claiming she paid for services that we did not provide. One transaction for {$1000.00} the other for {$400.00}. XXXX even wrote a note on the transactions saying " awesome movers ''. She also tipped the movers {$450.00} in a separate transaction. And despite it being XXXX XXXX policy to not freeze or pay back payments between friends they did exactly that. XXXX  without any investigation on their end demanded I pay back {$1400.00} or my account would be frozen. I use this account to pay my employees. We have numerous texts and calls to XXXX showing we did the work. Yet XXXX  ignored all of this and demanded I pay back {$1400.00}. Despite me providing a ton of proof we did the work and numerous witnesses testifyikg we did the work. XXXX  sided with XXXX and demanded I pay the {$1400.00} back. Which I refuse. They are now going into my bank account to take the funds. They went a against their own policy about payments between friends. : XXXX  generally does not provide refunds for peer-to-peer payments between friends, as these are considered authorized transactions similar to cash. Once sent, these funds can not be canceled or reversed by XXXX. To recover funds, the sender must request the recipient to send a return payment. " Payment between friends '' XXXX  had no right to freeze those funds my account and now demand I pay them back for a service we provided. Their customer has committed fraud, stealing and wife fraud. She should have criminal charges filed against her Payment XX/XX/year>, XXXX XXXX  Likes and Comments XXXX XXXX Status Complete Transaction details XX/XX/year> XXXX XXXX  Private Received from @ patience-mckaig Type of transaction Payments between friends Transaction ID XXXX Need help?

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: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I received a XXXX Tax Form in the mail for money that I supposedly made last year through Cash App. It was code XXXX, which I found to be transportation after a XXXX search? I do not have Cash App, nor have I ever had Cash App. This is fraud and they would not let me talk to anyone in the fraud department, but they did agree that I've never had Cash App. So how does something like this happen if I've never had the app? How are they sending out tax forms when I've never used their company?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I opened my Robinhood account on XX/XX/year>, deposited {$5000.00} USD, bought a stock and changed my mind. I then sold the stock and got back {$4900.00} USD. Once it settled I transferred the money back into my savings account on XX/XX/year>. 2 days later Robinhood put a restriction on my account and reversed the withdrawal, taking {$4900.00} USD out of my savings account. On XX/XX/year>, I replied to their email answering all the questions that had and gave them the bank statement they needed. The same day they removed the restriction from my account, but did not say anything about where my {$4900.00} USD is at or where it will go. I then reached out to 3 different customer support agents. The first one told me she did not know where the money was because it was no issued as a transfer in the app. She then sent my case to the " back end '' workers and said I would hear back when it was done. She then closed the chat. I then opened another chat and asked when I would hear back and what was going on. I was told the " professionals '' are handling it and it could take a while because they have a lot of cases and my case is especially difficult. He then ended the chat. I finally chatted with a 3rd person and he said the " back end '' workers are working on it and I will hear back when it is finished. He refused to provide me with contact information from anyone working on it, and he said not even he was able to contact them. So I now stuck with zero contact from people " working '' on my case and have no idea where my money is. I was also told on the chat that I am " guaranteed '' to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
U.S. DEPARTMENT OF EDUCATION Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment XXXX Original balance {$11000.00} Highest balance-

Company response to consumer: Untimely response
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a Citi cardholder for almost 10 years with a perfect payment history and no late payments. In XX/XX/XXXX, I made a promotional purchase for {$7700.00} with no interest if paid in 24 months. I paid down more than XXXX  % of the balance and had approximately {$320.00} remaining when the promotion expired in XX/XX/XXXX. 

In XX/XX/XXXX, Citi retroactively applied {$3500.00} in deferred interest. I discovered the charge recently and immediately contacted Citi. I was told it was in the terms of the agreement and that it is too late to receive any adjustment.

I understand the promotion terms, and I am not disputing the agreement. I am requesting a one-time goodwill adjustment based on my long-standing relationship, perfect payment history, and the extremely disproportionate penalty relative to the small remaining balance. I have now paid the remaining balance in full.

I am requesting executive review and reversal of the deferred interest charge as a courtesy.

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