vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
I do not owe this Physicians ER per my insurance for XXXX XXXX Member # XXXX Group # XXXX, Date of Service XX/XX/XXXX. EOB states XXXX owed my me. This Debt need to be removed from my Credit Report and noted as XXXX. C Customer Advocates are here to help! XXXX LAIM DETAIL ( XXXX of XXXX ) PATIENT : XXXX XXXX PROVIDER : XXXX XXXX EMERGENCY CLAIM # : XXXX DATE PROCESSED : XX/XX/XXXX Amount Billed {$2300.00} Discounts and Reductions - {$2300.00} You may owe your health care provider for these services {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXXXXXX XXXX took out {$210.00} out of my checking account using my debit card, it was unauthorized I did not make this transaction

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 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I transferred {$330.00} into my Venmo account. I made a purchase and the card went through. My next purchase was declined. It turns out that Venmo sent me an e-mail telling me that my account was suspended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was the victim of telephone fraud on both my checking and savings account with Wells Fargo bank. I have filed a claim twice and both times they close the claim saying they can not find any evidence of any misusing however, they never asked me for any documentation they just go ahead and close the claim I am out {$5000.00}. Im a senior citizen. I cant afford this type of loss because some scammer on the other end of the phone was smarter than I was the United States government guarantees money is safe in your bank and I need help resolving this because Wells Fargo is doing absolutely nothing to help me.

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 2026-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: MN

Complaint narrative:
I've been trying to close this account on ALBERT. They're supposed to be a financial management company. But they are charging me for stuff I didn't even sign up for. Continuously. The only WAY to contact them is email. And they will tell you to hold on and not respond.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: MD

Complaint narrative:
I never been sent or given any communication about debt never signed anything given my consent to send debt off to collection company, No email no way to view debt. All I see is Midland Credit Management on my credit report for {$360.00}. since XXXX on XXXX XXXX it says last reported XX/XX/XXXX debt collectors are required to have accurate information, account in question has the wrong payment history, and address on file. according to XXXX XXXX. looked it up on XXXX it says this collection company should be attached to XXXX XXXX. i had XXXX XXXX XXXX accounts XXXX dated back in XXXX where i made 100 % payments on time. and XXXX dated XXXX for closure where 79 % payments were on time and it wasnt placed for collection. the only account that couldve been under collection other than that was merrick. however if thats the case merrick has me trying to pay a company called XXXX back for {$480.00} which i constantly get emails for. and on credit report shows {$360.00} so i dont understand what this debit could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Okay, on XX/XX/XXXX, I used my XXXX XXXX to pay my XXXX XXXX XXXX XXXX of {$340.00}, and that transaction appears on my account. Then, on XX/XX/XXXX, I made a payment through the XXXX XXXX app to pay off that {$340.00} balance and close my XXXX XXXX account. However, even though the payment appears on myXX/XX/XXXX checking account, it doesn't appear on my XXXX XXXX statement. I've already contacted them via chat and email, and I've sent emails to the company 's VP, but I haven't received a response or a solution to the problem. So today, XX/XX/XXXX, I sent a letter to the appropriate addresses at Wells Fargo and also emailed XXXX XXXX support. I should also mention that there is no direct line to contact XXXX XXXX staff. When you call XXXX ( XXXX ) XXXX, which is supposedly the card 's support number, they tell you that they provide service to XXXX but are not XXXX employees. When you ask for a phone number to contact XXXX staff directly, they say they don't have XXXX and are also limited in their ability to resolve customer issues.

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 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
Personal Statement Regarding Fraud Date : XX/XX/year> Subject : Statement Regarding Fraudulent Activity To Whom It May Concern, We are writing to report and formally document fraudulent activity involving our checking account at US Bank. On or about XX/XX/year> we discovered unauthorized transaction ( s ) on our checking account. The transaction ( XXXX ) in question are as follows : Date : XX/XX/year> Amount : {$2500.00} Recipient/Merchant : Individual named XXXX XXXX Transaction ID ( if available ) : We were notified by XXXX IdentityWorks that account holder information on our checking account had been changed. We received this notification on XX/XX/year>. We did not authorize these transaction ( s ), nor did we provide permission to any individual to access or use our account for this purpose. At the time of the transaction ( s ), we immediately called US Bank. US Bank stated they were aware of someone trying to XXXX money from our account and they were able to block several transactions, but XXXX transaction of {$2500.00} did go through. US Bank closed the account and gave us a new checking and savings accounts. As soon as we became aware of the issue, we took the following actions : Reported the fraud to US Bank and filed a fraud claim. Our first fraud claim was denied so we appealed and re-opened a new fraud claim. The second claim was also denied. We have since filed a third claim. This claim is still in process. We also reached out to Experian to report the fraud. Secured our account ( s ) by closing old account and opening a new checking account. Filed a report with XXXX XXXX XXXX We respectfully request that this matter be investigated and that the unauthorized transaction ( s ) be reversed. We are willing to cooperate fully and provide any additional information needed. We certify that the information provided in this statement is true and accurate to the best of our knowledge.

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 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : Better Business Bureau. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency.

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 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made payment to Synchrony Bank for my XXXXXXXX XXXX credit card in the amount of {$770.00}, It was processed on XX/XX/XXXX by my credit union, and was traced by my credit union as received by Synchrony Bank on XX/XX/XXXX. My minimum payment due date is XX/XX/XXXX and Synchrony Bank still has not posted my payment to my account. They received my payment on XX/XX/XXXX. I have called and reported this to customer service and I am told if I do not make a payment by XX/XX/XXXX I will be billed a late fee and will be reported to credit reporting agencies. The amount of {$770.00} is to pay the account in full. If I am forced to submit another payment on XX/XX/XXXX, I will be over paying on my account and then will have to fight to get my money refunded to me. My credit union has even provided a letter indicating the payment was made. I have attached the letter to this 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 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On or around XX/XX/year>, an unauthorized transaction of {$1000.00} was sent from my Cash App account to another individual without my permission. The person accessed my account from their own phone and transferred the funds to themselves. I immediately reported the unauthorized transaction to Cash App and filed a dispute through their support system. I also filed a police report documenting the incident and provided evidence showing that I did not authorize the transaction. Cash App conducted a review and denied my dispute, stating that the transaction was authorized and that my account was not compromised. They did not provide any documentation or evidence showing how they determined the transaction was authorized, such as device logs, IP address information, or proof of authorization. Instead of properly investigating the unauthorized access to my account, Cash App closed my account and refused to return the {$1000.00} that was taken. I believe Cash App failed to properly investigate this unauthorized electronic transfer and failed to protect my account from unauthorized access. I am requesting a full investigation of the transaction and reimbursement of the {$1000.00} that was transferred without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates for inaccurate and duplicative reporting of the same alleged Synchrony debts across my credit reports. I have already filed complaints with the Federal Trade Commission and my State Attorney General regarding this matter. Portfolio Recovery is reporting the same debts multiple times using different variations of account numbers, which falsely inflates my debt and damages my credit profile. On my XXXX report, the {$1000.00} debt is reported twice under account numbers XXXX and XXXX, and the {$470.00} debt is also reported twice under XXXX and XXXX. These are clearly duplicate entries for the same debts. The same balances are also being reported to Experian and TransUnion under different account numbers XXXX ( {$1000.00} ) and XXXX ( {$470.00} ). I previously contacted Portfolio Recovery to notify them of these reporting errors, yet instead of correcting the issue they simply sent me an invoice demanding payment. I also requested validation of these alleged debts, but I have not received proper validation. Additionally, I do not recall ever receiving written notice prior to these accounts being placed on my credit report. Reporting the same debt multiple times under different account numbers is misleading and creates the false appearance that I owe multiple collection debts when they represent the same obligations. This reporting appears to violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires credit information to be reported with maximum possible accuracy, as well as 15 U.S.C. 1681s-2, which prohibits furnishers from reporting information they know or should know is inaccurate or duplicative. It may also violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), which prohibits debt collectors from using false or misleading representations in connection with the collection of a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
https : //www.capitalone.com/ I have a XXXX XXXX card and Capital One is an issuer. They have reward program and a customer ( me ) can transfer points to airline partners and others. However, when you change a phone ( XXXX XXXX XXXX XXXX XXXX same carrier, same number ), their XXXX text verification stopped working. They reset the system and still not working. Only thing they say is wait around 30 DAYS. Not able to move and use my rewards ( this is basically money/credit ) for 30 days VIOLATES consumer rights. They say this is their system issue and this seems common XXXX XXXX XXXX XXXX https : XXXX ) No other credit card company has this issue ( XXXX, XXXX, XXXX ) XXXX and they update phone number within a day. Further, they have ALTERNATIVE methods to verify. Capital one does not offer either. This is violation of consumer rights and Capital One should be punished by the regulator. I request the US government agency to punish them and force them to upgrade their system. Capital One is such a third world standard company. They should not operate if they treat customer like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OK

Complaint narrative:
I am filing this complaint against Chime Financial , Inc. for unauthorized withdrawals from my account and the improper use of my funds. Chime has been removing money from my account without my permission and applying it toward balances or transactions that I did not authorize and was not aware of. I did not give consent for these withdrawals, and I did not agree to Chime taking funds from my account in this manner. These actions constitute unauthorized electronic fund transfers and are a violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require consumer authorization before funds can be electronically withdrawn from a bank account. Chime does not have the right to remove money from my account without my consent. The funds that were taken were not authorized by me, and I did not approve any automatic deductions related to these transactions. Because these withdrawals were unauthorized, I am demanding the immediate reimbursement of all funds that were taken from my account without my consent. I am requesting the following resolution : Immediate refund of all unauthorized funds withdrawn from my account. Confirmation that no further unauthorized deductions will occur. A correction to my account reflecting the reimbursement of these funds. If Chime refuses to return these funds promptly, I am requesting that the CFPB review this matter as a potential violation of federal consumer protection laws related to unauthorized electronic fund transfers and unfair banking practices. The unauthorized removal of consumer funds is unacceptable, and I expect this issue to be resolved immediately through reimbursement of the funds taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX Synchrony Card is continually as a default item in XXXX, leading to possible inadvertent use by family members. Attempting to remove/ replace the card fails. Every purchase requires replacing the synchrony card, which has been done for months. Once there is a balance present, it is very difficult to access the account to check on transaction history, balance, or payments. Mostly the web-based systems fail to login or verify actions -- ( I have taken screenshots and this is a widely-reported issue with their systems ). Strangely other Synchrony accounts work fine ( not XXXX ) using the same devices, connections, and browsers ( all current and widely-used devices/ environments ). I made some previous " blind '' payments in good faith, but the balance continued to grow without my ability to confirm what and where purchases were originating. The card went overlimit ( not sure how ), given it's lack of use which leads me to believe a large portion of this is fraudulent in nature. Upon contacting Synchrony by phone led to them reporting that " I could not access details of the charges '' and that is why " I can not access the account online. Conversely, they could not provide needed details on the phone. This effectively extorts me to pay for a balance for transactions I can not confirm. I will follow up with a formal debt validation letter to seek details, although this process takes time, so the zombie debt will continue to grow.

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 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I accidentally sent {$250.00} through Cash App to the wrong recipient after being given an incorrect payment handle. I immediately requested a refund from the recipient, but the recipient declined the refund request and kept the funds. I contacted Cash App support and filed a dispute on XX/XX/year> regarding the mistaken payment. Over the past month I have repeatedly contacted Cash App requesting an investigation and recovery of the funds. Despite this, Cash App has only provided generic responses and marked the dispute as resolved, even though the {$250.00} has not been returned. The transaction reference number is # XXXX and Cash App support provided case number XXXX. Because this payment was sent in error and the recipient has refused to return the funds, I am requesting that Cash App properly investigate the transaction and assist in recovering the {$250.00} or provide a refund. At this time the company has not provided a meaningful resolution after nearly a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I am submitting a complaint regarding a loan issued by OneMain Financial in XXXXXXXX XXXX involving my XXXX XXXXXXXX XXXX. The loan carries an APR of XXXX XXXX, which is extremely close to the XXXX XXXX interest rate cap established under the Illinois Predatory Loan Prevention Act. The finance charge on this loan is {$14000.00} on an amount financed of {$12000.00}, resulting in total payments exceeding {$26000.00}. The total finance charges exceed the amount borrowed. This loan also involved the payoff of my previous lender, XXXX XXXX XXXX. After the payoff occurred, the vehicle title was released and mailed directly to me rather than to OneMain Financial. I am now being asked to correct this issue even though the payoff and title release process were handled by the lenders. Because of the structure of the loan and the charges involved, I am requesting that the lender review the loan terms and provide a fair resolution of the remaining balance. I have already sent a written dispute letter to OneMain Financial requesting a compliance review of this loan. I am seeking a reasonable settlement or reduced payoff to resolve the account. My goal is to resolve this issue cooperatively and in good faith.

Company response to consumer: Closed with explanation