vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XX/XX/year>, I attempted to pay a debt With Midland Credit Management. I had received a letter from a lawyers office saying they would begin to garnish my wages on XX/XX/year>. I went on the Midland Credit Management website. Entered in my information. Found my case. And tried to make a payment. I was then prompted that my account is with XXXX XXXX XXXX XXXX XXXX and to make any payments with them to settle my debt. I never received a payment confirmation. Or any notification of a payment. I made my payment with the XXXX XXXX XXXX XXXX XXXX immediately after. Once checking my bank account I saw that Midland credit Management had processed the payment for {$820.00} on XX/XX/XXXX. As well As the electronic check i sent to the Lawyers office on XX/XX/XXXX. I called customer service line. They transfered me to someone higher up. I was told not to worry. The system will find the duplicate and refund my payment to my card used for payment. To give it 10 days and if nothing happens call back. This was one XX/XX/XXXX. I waited until XX/XX/XXXX, called back, transfered to a higher up, and was told the same thing and to wait 21 days. It is not XX/XX/year> and I still have not received a refund for my double payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I am filing a complaint regarding unauthorized hard inquiries on my credit report that have not been properly addressed. My personal information was compromised in the XXXX Data Breach, which has exposed me to identity theft and fraudulent use of my credit file. The following inquiries appear on my credit report but were not authorized by me : JPMORGAN CHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I did not apply for credit, services, or financing with any of these companies. These inquiries lack a permissible purpose under the Fair Credit Reporting Act, Section 604, and must be removed. I have disputed these inquiries directly with the credit reporting agency and have filed an FTC Identity Theft Report. Under the Fair Credit Reporting Act, Section 611, I am requesting a reinvestigation and immediate deletion of these unauthorized inquiries. I am requesting the following resolution : Removal of all unauthorized inquiries listed above Written confirmation that the inquiries have been deleted Assurance that my credit report reflects only accurate and verified information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Violation of Fair Credit Billing Act ( FCBA ) Claim # XXXX Consumer Name : XXXX XXXX XXXX Disputed Amount : {$1100.00} Merchant : XXXX ( XXXX XXXX XXXX XXXX XXXX Reference : XXXX I am filing this formal complaint against Capital One for a systemic failure to investigate a billing dispute under the Fair Credit Billing Act ( XXXX ) regarding Claim # XXXX. Capital One has twice rubber-stamped automated merchant response codes ( " substantiated '' / " revoked '' ) from the ticket broker XXXX without performing a manual review, requiring physical merchant documentation, or validating whether any services were actually rendered. No services were No services were rendered. The entire flight itinerary was systematically canceled by the operating airlines due to a major XXXXXXXX XXXX storm on XX/XX/2026 Verified Financial Loss Breakdown : Base Fare ( Adult ) XXXX XXXX XXXXXXXX & Fees ( Adult ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Baggage Fee : XXXX XXXXXXXX Total Charged : XXXX XXXXXXXX Facts of Non-Delivery : XXXX. The primary carrier, XXXX XXXX XXXX, officially canceled transatlantic Flight XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) under PNR XXXX. They issued a written directive stating : " We regret to inform you that your flight XXXX unavailability of alternative flights, you are entitled to receive a refund of your ticket in the original payment method. '' The connecting carrier, XXXX XXXX, officially canceled the domestic partner flight segment due to the same weather emergency Under the FCBA, a bank can not hold a consumer liable for a charge where the merchant failed to deliver the agreed-upon services. Capital One is actively facilitating merchant fraud by forcing me to pay {$1100.00} for an entirely canceled itinerary that the airlines openly admit never flew. An official enforcement complaint has been logged against XXXX with the U.S. Department of Transportation. I demand an immediate manual corporate review and a permanent credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2026-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Climb Credit Inc.
State: CA

Complaint narrative:
attended XXXX XXXX in 2023. I graduated. I never obtained a tech job. I borrowed about {$16000.00}. I still owe about {$10000.00}. I payment is about {$670.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
Spring Oaks Capital , LLC is reporting an unverified collection balance of {$10000.00}. I sent a formal dispute requesting specific debt validation, including a complete itemized accounting from a {$0.00} balance and the specific page of the " Account Schedule '' or " Exhibit I '' to prove legal ownership and chain of title for this specific alleged debt. On XX/XX/year>, the company sent a blanket refusal letter explicitly stating they would not conduct another investigation, falsely claiming the dispute alleged no new facts. They completely ignored my requirements for legal validation. On XX/XX/year>, I sent a Final Notice of Dispute via Certified Mail giving them 15 days to provide the specific missing documentation or cease collection efforts. The company has completely ignored this final demand and failed to validate the debt. Furthermore, the company violated the FDCPA ( 15 U.S.C. 1692c ) by contacting me via email after being formally notified in writing that email communication is highly inconvenient and that all contact must be via U.S. Mail only. Because the collector can not or will not legally verify the debt, it must be removed from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX XXXX ( a subsidiary of PayPal , Inc. ) suspended my account and completely blocked my ability to withdraw my remaining balance. Despite my repeated attempts to contact customer support over a multi-year period to resolve any outstanding issues, complete identity verification, or comply with security requests, XXXX has permanently frozen my funds. The company has failed to provide a specific, actionable reason for this prolonged freeze or a valid legal justification for retaining my property indefinitely. Furthermore, XXXX customer support repeatedly provided false and misleading information. Support representatives explicitly told me that my money could be withdrawn, but every attempt resulted in a system error stating the transfer was blocked. Following support 's direct instructions, I attempted to link and transfer the funds to multiple different bank accounts and debit cards, but every attempt failed. After I informed XXXX that their troubleshooting steps failed and my money remained locked, customer support ceased all communication and stopped replying to my inquiries entirely. XXXX standard policy reviews typically conclude within 180 days. Holding my personal funds for this length of time, giving deceptive withdrawal instructions, and ultimately ignoring my communications constitutes an unfair financial practice and an unjustified withholding of my assets. I have exhausted all standard customer service channels without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PCR Group
State: AZ

Complaint narrative:
I am disputing the collection account reported under XXXX XXXX XXXX with a balance of {$1900.00}. I do not believe this account is accurate and request that the furnisher provide complete documentation proving I am legally responsible for this debt. If the account can not be fully verified, I request its immediate removal from my credit report pursuant to the Fair Credit Reporting Act. Additionally, I request an investigation into any associated addresses or information that may not belong to me. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was scammed {$700.00} from concert tickets. {$350.00} were sent via XXXX and the other half via XXXX XXXX. I usually trade concert tickets via XXXX or XXXX. However, the person I was in contact with was referred to me by a mutual and had what seemed to be compelling proof the tickets were real. They also used a fake XXXX ticket transfer website for it to appear real.

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 2026-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a mortage with Bank of America which was taken out in XX/XX/XXXX. All if my payments are on time and up to date. No payments have been missed. My property takes are included in my mortgage amount. On XX/XX/XXXX I recieved a letter stating that my property taxes were decreasing and my mortage amount would be lowered. On XX/XX/XXXX I suddenly received a letter stating that I owed money from property taxes and my escrow account didn't have enough funds to cover the new amount. I contacted Bank of America and they stated they miscalculated the property taxes for XXXX and that's why my mortage would be going up. I was not notified about this at all and the change goes into effect on XX/XX/XXXX. I asked if they can lower the amount or cover some portion as I was not notified about this and it's their mistake and they refused. I do not believe I should be penaltized for their error

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 2026-06-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint regarding Bank of Americas handling of a third-party check deposit and the subsequent closure of my account. In XX/XX/year>, I deposited a third-party check that had been signed over to me. After the deposit, Bank of America informed me that the check had been flagged as a fraud risk. My account was eventually closed, and I was not provided with the deposited funds. Since then, I have attempted to determine what happened to the proceeds of the check. The owner of the jewelry store that issued the original check contacted his bank and requested information. According to the banks research, the check was successfully paid and cleared through Bank of America. The issuing bank advised that there was no fraud claim, no return of the check, and no ability to recall the funds because the check had already cleared through their positive pay system. The issuing bank further stated that if there had been a problem with the check, it would have been returned through normal banking channels. Bank of America previously told me that the only way to recover the funds would be for the check issuer to recall the check. However, the issuing bank has stated that a recall is not possible because the check was already paid and cleared. I am requesting that Bank of America provide a written explanation addressing the following : 1. What was the final disposition of the proceeds from the deposited check? 2. Were the funds returned to the issuing bank or check writer? If so, on what date and in what amount? 3. If the funds were not returned, where are the funds currently being held? 4. What specific reason was used to classify the deposit as a fraud risk? 5. What authority or account agreement provision was relied upon to retain or remove the funds? 6. Can Bank of America provide copies of any internal determination letters, notices, or records regarding the investigation and closure of my account? I am seeking a complete accounting of the funds and a written explanation of what occurred after the check cleared and was paid to Bank of America.

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 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
> I am reporting a catastrophic financial loss totaling * * {$140000.00} * * due to a prolonged fraud scheme. Over a period of XXXX months, multiple high-value wire transfers were executed from my account. I am filing this complaint because my bank, * * Bank of America ] * *, failed in its fiduciary duty and Anti-Money Laundering ( AML ) monitoring obligations. Despite the uncharacteristic frequency and large amounts being drained from my life savings, the bank 's fraud detection systems failed to flag these transactions or contact me for enhanced verification. I have an active police report with the XXXX Police Department ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I demand a formal internal review of why the bank 's security controls failed to intervene.

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 2026-06-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been repeatedly charged by XXXX XXXX for a subscription I did not authorize and do not have an account for. The charges appear on my Wells Fargo credit card statement as XXXX XXXX for {$22.00} every month for the last 1.5-2 years I contacted XXXX multiple times and they are unable to locate any account associated with my card. I contacted Wells Fargo and requested the charges be stopped. Wells Fargo issued me a brand new credit card with a new number, and XXXX charged the new card anyway which I believe occurred because of XXXX automatic card updater service, which shares new card numbers with merchants without my consent. I am now disputing this as an unauthorized transaction, but I am seeking assistance because neither XXXX nor Wells Fargo has been able to resolve this after multiple contacts. The charges continue despite my efforts. I am requesting : ( 1 ) a full refund of all charges from XXXX, ( 2 ) that Wells Fargo permanently block XXXX from charging my account, and ( 3 ) that the automatic card updater sharing be XXXX so a new card number can not be passed to XXXX again.

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 2026-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
This is a continuation of CFPB XXXXXXXX XXXX XXXXXXXX. The website would not allow me to add additional factual contradictions. XXXX XXXX response contains several contradictions that conflict with IRS records, Treasury procedures, and the credit unions own account activity : Stop payment contradiction XXXX XXXX claims the IRS placed a stop payment, but XXXX XXXX XXXX the check was issued, negotiated, and paid. A stop payment can not occur after a check clears. Unauthorized check contradiction XXXX XXXX claims the check was not authorized, but IRS records confirm it was a valid XXXX refund. Return of funds contradiction Although the IRS has confirmed receipt of the returned funds, XXXX XXXX has provided no Treasury reclamation case number, debit voucher, or required documentation. Their timeline also does not match Treasury procedures. Interest accrual contradiction XXXX XXXX paid {$600.00} in dividends over several months. Interest can not be paid on invalid, unauthorized, or reversed funds. This shows the deposit was treated as valid. Account status contradiction XXXX XXXX states the account was both closed and permanently restricted. A closed account can not remain restricted. XXXX contradiction XXXX XXXX issued a XXXX for interest earned on the deposit. Interest and tax reporting only occur when funds are valid and held. Corrected XXXX contradiction XXXX XXXX claims a corrected XXXX was issued on XX/XX/year>. I never received any corrected form, and the IRS has no record of XXXX. This indicates the statement to the CFPB may be inaccurate. Missing final statement contradiction XXXX XXXX claims the account was closed, yet no final account statement showing the return of funds or closure activity was ever provided. These inconsistencies show that XXXX XXXX explanation does not align with IRS records, Treasury procedures, or their own documented account activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank 's citi XXXX credit card offers priority pass select membership for authorized users, I added an authorized user to the account on or about XXXX XXXX and I have not been provided the activation code to obtain the priority pass membership. I called citi prestige card multiple times on XX/XX/year> and spent over 2 hours to try to get this information. I was tranferred to the banking department incorrectly twice, I was hung up on once, I did 3 way calls with citi representatives and priority pass twice, supposedly my request was elevated to the supervisor and I was supposed to get an update in 24-48 hours and I have yet to receive anything. This is an advertised benefit of this credit card and I was charged authorized user fee immediately but I have been unable to obtain the benefit. After being a loyal citibank customer for over 25 years and a citi prestige card owner for 7 years, I find this exteremly frustrating.

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 2026-06-15 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 2026-06-15 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Dear [ Recipient Name ], I am writing regarding judgment case XXXX in the amount of {$1500.00}. I appeared in the XXXX XXXX on XX/XX/XXXX, at which time I claimed insolvency due to job loss. It was agreed that the account would be settled for XXXX and the judgment closed. However, I recently discovered that this judgment remains open and active. I have contacted the representing law office, and they stated the account was closed and recalled by Synchrony. When I spoke with Synchrony representatives on XX/XX/XXXX, I was told the account was placed into a 1099-C, yet they are now requesting a voluntary payment to provide a letter of satisfaction. This contradicts the original agreement made in court to remove and satisfy the account in good faith. I am requesting that you review this matter and ensure the judgment is updated to reflect as satisfied or closed, as originally promised during the XXXX court appearance. Regards, 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