vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
Prior to XX/XX/XXXX, I attempted to pay off my XXXX credit card balances in multiples of {$500.00}, and they all went through smoothly on the app with no errors reported. 

On XX/XX/year> {$520.00} in total was posted as check returned fee through multiple transactions ( XXXX ). This happened due to late posting of charges on my linked XXXX account coincidently resulting in negative balances ( due to other money movements ). 

When I got to know I immediately contacted and paid through the entire amount without any delay. But the credit card company - Robinhood in this case refuses to take back the mammoth charges and additionally have a pathetic customer service offering little help despite multiple follow ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: TX

Complaint narrative:
On XX/XX/XXXX, I received a text message from XXXX asking me to confirm an order that I did not place. I responded that the order was not mine. After receiving this message, I reviewed my Capital One account and saw two XXXX transactions pending : one matching the amount referenced in the text message and another separate XXXX charge. 

One of the transactions eventually posted. I contacted the phone number listed with the posted XXXX transaction in my Capital One app and advised them that the purchase was unauthorized. I was told that nothing could be done on their end and that I would need to dispute the charge with my bank. 

I immediately contacted Capital One, reported the unauthorized transaction, canceled my card, and had a new card issued. I was advised that I would need to wait until the transaction fully posted before further action could be taken. Once the charge cleared, I contacted Capital One again and formally disputed the transaction. 

During this time, I also received an email stating that my package would be arriving in XXXX, Florida. I reside in XXXX, Texas. Further investigation showed that the shipment destination was XXXX XXXX, Florida, to a XXXX location. I identified that a police station is located adjacent to the XXXX XXXX XXXX and contacted that department to file a police report. I retained screenshots and documentation of all related messages, emails, transactions, and shipment details. 

All of this information, including the police report and supporting evidence, was submitted to Capital One as part of my fraud claim. Despite this, Capital One denied my claim. I requested a review, and the claim was denied a second time. 

I then requested the full denial report and received a PDF outlining Capital Ones reasoning. The report states that my personal information was used ; however, it also lists an additional email address that I do not recognize or own. Additionally, the device information associated with the transaction shows that the purchase was made using a XXXX XXXX device with a cellular connection. 

I have been an XXXX user for over 10 years and do not own or use an Android device. Capital One is aware of this, as my Capital One app was downloaded through the XXXX XXXX XXXX and my account access history reflects XXXX usage. 

I brought these discrepanciesincorrect email address, incorrect device type, shipment to another state, and the existence of a police reportto Capital Ones attention. Despite this, Capital One has continued to maintain its position and has refused reimbursement. 

I am disputing Capital Ones conclusion, as the evidence they relied upon does not demonstrate that I authorized this transaction and instead supports that the charge was the result of unauthorized third-party activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am in receipt of your letter claiming that I owe your company for a debt in the amount of {$1900.00}. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested. 
I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ), and ( the Chain of title ) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 
If you continue to claim I owe a alleged debt that you can not confirm with proof ( original alleged contract bearing my signature ) or ( the chain of title ) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my consumer report ( s ) in error and that this matter is permanently closed. Provide the proof, or remove this alleged debt from all sources to which you have reported it. 
Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a print out or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). 

Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Central Research Inc
State: AL

Complaint narrative:
I am submitting a complaint regarding my federal student loans currently in default and assigned to a collection agency. I recently contacted the loan holder/collection agency to request assistance due to financial hardship. 

I was informed that my current monthly payment is over {$1000.00} and that the lowest amount they could offer is approximately {$800.00} per month. I am a public school teacher, married, and the parent of a child with XXXX. I can not afford a payment at this level. 

I requested hardship options, including forbearance, deferment, or an income-driven repayment plan, and was told these options are unavailable unless I agree to the quoted payment amount. I am seeking a review of my account for : Consideration of retroactive or temporary forbearance A reasonable and affordable payment recalculation based on my income and household size Assistance enrolling in Fresh Start, Direct Consolidation, or an Income-Driven Repayment ( XXXX ) plan A temporary collection hold while my hardship options are reviewed I am willing to resolve my student loans, but the payment amounts I was quoted are not reasonable given my financial circumstances. I am requesting that my account be reviewed for all available federal hardship and relief options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I opened an account with a check drawn from XXXX XXXXXXXX XXXX, it took them up to 7 days to verify its legitimacy, I received a text that it was verified and my funds would be available and that I could activate my debit card. I proceeded to do so and used the card a couple of times ( maybe 3, in very small amounts ) I then received notification that my account was being closed and that I had to call the fraud unit. Fraud unit gave no real answer, I was transferred to a Fraud Specialist who told me my funds were being returned to me and my account was now closed because of suspicious activity ( named ). After waiting for the check, I called to check on the status 3 times, no answer, no timeline, nothing. They stated they were unable to give me any updates, then again stated they were waiting for confirmation that the check was legit after they had already told me it was, released my funds, gave me a debit card, activated it and allowed me to use it!

This made no sense when I told them the story, they again referred back to the fact that they have no update for me, no timeline to return my money, no answers.

They are holding my funds for no reason, they have no answers to any details of suspicious activity, they closed my account and are holding my funds hostage. This is an outrage!

You are kept on outrageous hold times, some of the agents are quick and hostile when you question them, they transfer you endlessly to other Ally staff insisting that they are the ones that can help me, when they dont!

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion sent a letter stating that there would be an investigation of transactions but did not provide the proper documents to support their findings. There are transactions that were not blocked that are inaccurate. My request was that the transactions listed below were blocked and deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company has failed to provide any contractual agreements with my signature showing that I allowed any of these companies to furnish my personal information within their establishment. This act is a direct violation of 15 USC 1692j in which they still continued to post on my credit report. 15 USC 1692e False or misleading representations. These companies are not partners with any original creditors and has bought an alleged debt and has attempted to collect inaccurate amounts. In this my, my personal information was sold ( social security number, name, address, etc ). 15 ( USC 1692f Unfair practices including consumer abuse restricting me to move forward in life. This is a violation of North Carolina General Statues 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 non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/26, I received a telephone call from ( XXXX ) XXXX at approximately XXXX XXXX, which was after XXXXXXXX XXXX local time. The call log is identified as Portfolio Recovery, a third-party debt collection agency. 

I did not give consent to be contacted after XXXXXXXX XXXX 

After this call, I received three additional phone calls in the same day at XXXXXXXX XXXX from ( XXXX ) XXXX. At this time, I am unsure whether those additional calls were from the same debt collector, but the timing and nature of the calls caused concern. 

I believe the initial after-hours call may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), which restricts third-party debt collectors from contacting consumers outside the hours of XXXXXXXX XXXX to XXXXXXXX XXXX local time without consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: AR

Complaint narrative:
Collection was placed on my credit im getting letters, emails, phone calls i told them I'm not responsible for a bill I have no knowledge of this bill I never had phone services with XXXXXXXX XXXX XXXX and they were very aggressive wouldn't listen and I only have internet service with XXXX XXXX XXXX  no phone and I told them someone stolen my information it use it for services in it's inaccurate on my credit report and it's affecting my credit and I want this issue resolved because it doesn't belong to me i don't understand in I'm willing to take action upon this situation if nothing done it's defamation of character when I'm clearly explaining I'm not taking responsibility for something I don't know anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute five overdraft fees that were charged to my account, despite my account being funded within the required timeframe under your overdraft policy. 

On XX/XX/XXXX, I noticed a payment had caused my account to go negative. I immediately transferred funds early that morning. My account was fully funded well before XXXX XXXX which according to your policy should prevent overdraft fees. I also received notification confirming that my account had been funded and that any fees would be waived. 

However, on XX/XX/XXXX, I saw that two overdraft fees had been posted, which then caused my account to overdraft again.

I initially contacted customer service and was told only a manager could assist me. The representative I spoke with was extremely rude and dismissive. He laughed at my situation, refused to transfer me to a manager, and after multiple requests, stated he would transfer me but instead sent me back to the general queue.

I then contacted customer service again before ever speaking to the manager XXXX. During that second call, I explained the situation and was told that a request would be submitted for a manager to contact me. It was only after that request was placed that I received a callback from the manager identifying himself as XXXX. 

During that call, he was immediately defensive, refused to listen to the explanation of what occurred, denied a courtesy adjustment ( despite my never having received one ), and told me I was not a worthy customer. When I asked for his full name, he refused to provide it. He also refused to connect me with another manager and told me I would need to call back and try again.

I contacted customer service yet again and even co-browsed my screen to demonstrate how my online banking clearly shows the fees were not justified. The representative agreed that what I was showing did not appear to align with what they were seeing internally but stated that their system showed something different that justified the charge. This discrepancy is extremely concerning, as customers should have access to accurate and consistent account information.

I was told another manager would contact me, but I have yet to receive a call.

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 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I took out a Synchrony Bank XXXX XXXX loan XXXX  buy a piano from XXXX XXXX XXXX. The original amount was {$6600.00} as of XX/XX/XXXX. 

I made installment payments XXXX  payments towards the principal amount since the beginning of the loan. There are XXXX months on the credit reporting that they did not report as paid although the payments were made. Payments were NEVER late! 

On XXXX XX/XX/XXXX, I called customer service at XXXX at at XXXX precisely XXXX  spoke XXXX  a female that addressed herself as XXXX XXXX XXXX informed me the payoff at that time was {$4100.00}. I asked XXXX if the last payment made had posted to the account that was mailed on XXXX XX/XX/XXXX from my bank XXXX  she stated that it HAD NOT POSTED. I was told that because it had not posted that she could not include that payment towards the payoff and further informed me that I would need to call back after XXXX business days XXXX  request a refund. I did that. I was told I am not due the refund. 

I paid Synchrony XXXX loan holder the amount of {$4100.00} via telephone by way of giving XXXX my checking account routing and account number on XXXX XX/XX/XXXX. The payment did not get taken from my checking account until XXXX XX/XX/XXXX. 

I am attaching copies of the last payment made for the amount of {$160.00} that I am due for refund. Again, that amount was not part of the payoff. 

Further...... The customer service representatives I have spoken XXXX  at Synchrony are terrible across the board regarding a nasty customer service encounter with the XXXX exception of XXXX XXXX XXXX seemed to be very polite and professional. This leaves me to believe that XXXX gave me the correct information and Synchrony bank does not want to give my money back. There have been some issues with payments not being applied properly XXXX  I had to call a few times. 

Issues : XXXX. Refund due me is {$160.00} XXXX. Did not report all payments made XXXX  the credit bureaus XXXX. Poor customer service/unprofessional demeanor

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 2026-02-16 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:
XX/XX/XXXX XXXX XXXX XXXX charge {$410.00} XX/XX/XXXX XXXXXXXX XXXX XXXX charge {$320.00} XX/XX/XXXX XXXX XXXX XXXX charge {$270.00} Wells Fargo asked if these were my charges I told them no. They said they would not allow the charges and would send me a new credit card. 

I noticed that the charges went through on my credit card latter telling them they were not mine. I had to call Wells Fargo again and asked if I said I didnt make the charges why did they allow these charges through. They said they would investigate this and I asked for these charges not to be added. They said they would investigate and get back. I still have not heard back from them after almost XXXX months. 

When I found out that they allowed these charges I contacted XXXX. I had to go through XXXX different calls and eventually they said they would credit my account. After that I received XXXX email that since I disputed this charges through Wells Fargo they were not crediting me back. 

To Whom It May Concern, I am filing a formal complaint against Wells Fargo regarding an unresolved credit card dispute that has been open since XXXX. 
An unauthorized charge in the amount of {$11000.00}. was processed through XXXX and funded by my Wells Fargo credit card ending in XXXX later I promptly notified Wells Fargo and opened a dispute. Despite several months passing, I have not received a resolution, written determination, or permanent credit. 
XXXX has refused to return the funds, stating that because I notified my credit card issuer, they would not reimburse me. Wells Fargo has failed to complete its investigation or provide required consumer protections under the Fair Credit Billing Act. 
This unresolved dispute has negatively affected my credit. 
I am requesting : Immediate credit of {$11000.00} .. XXXX XXXX confirmation of the investigation outcome Correction and removal of any negative credit reporting related to this charge Thank you for your assistance in compelling Wells Fargo to resolve this matter promptly.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am disputing the collection account reported by LVNV Funding LLC with a balance of {$520.00}. I do not have a contract with this company and believe this account is being reported inaccurately. 

Please investigate and verify that this account belongs to me and that LVNV Funding LLC has the legal right to report it. If verification can not be provided, please remove this account from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am writing regarding the above-referenced account. I dispute this alleged debt in its entirety. This letter serves as a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation