vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I am filing this complaint against Barclays Bank Delaware for inaccurate and unverifiable credit reporting. 

Barclays is furnishing derogatory information to the credit bureaus that is damaging my credit profile, including multiple late payments and a charged-off status. 

The account is being reported with the following negative history : XXXX  days late multiple times XXXX  days late multiple times XXXX  days late multiple times Charged off as bad debt This information is inaccurate, incomplete, and has not been properly validated. 

Under the Fair Credit Reporting Act ( FCRA ), Section XXXX, furnishers of information have a legal obligation to conduct a reasonable investigation when a consumer disputes inaccurate reporting. 

I am requesting Barclays Bank Delaware to : Conduct a full reinvestigation of this account Correct or delete any inaccurate late payment history Remove the charge-off status if it can not be fully substantiated Provide written documentation showing how the information was verified Immediately stop reporting unverifiable derogatory information This inaccurate reporting is causing ongoing financial harm and must be corrected immediately.

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 2026-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year> this debt collector contacted my father and asked him for my location and gave him my account number and claim number. They said there was a pending legal claim against me and that they were down the road from my home, I am not sure how they would have my parent 's address. They then said they were going to contact my place of employment or show up in person in order to locate me. Then I was threatened by them saying I have been notified and I will be located unless instructed otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: IN

Complaint narrative:
I have the XXXX card through Capital One. XXXX of the features of the card is various offers that appear to cardholders for bonus points from certain merchants. I used an offer for XXXX points from XXXX. 

I have used these offers many times and have never had an issue. In this case, the points never showed up. I called Capital One a few weeks after the purchase and was told to 'give it XXXX  days ' and call back. Today was XXXX  days since the purchase and I called their customer support. 

The customer support agent talked in circles, but would not give me my missing points, and said that 'the problem must be on XXXXXXXX XXXX end '. I asked to escalate my concern and was denied. 

The transaction occurred on XX/XX/year> for the amount of {$240.00} which should equal XXXX points, or about {$41.00} equivalent. I would not have made that purchase had the deal not been advertised to me by Capital One, and I have attempted to resolve this through Capital One but was denied assistance in solving the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXXI am submitting this complaint regarding Venmos denial of my fraud dispute involving unauthorized debit card transactions that resulted from impersonation and remote-access social engineeringXXXXOn XXXX XXXX XXXX, I received a phone call from an individual falsely claiming to be Amazon support and stating my account had been compromised. I was instructed to purchase XXXX e-gift cards using my Venmo debit card as a supposed identity verification step. Under this deception, I purchased multiple gift cards including one for XXXX XXXX XXXX XXXX XXXX totaling approximately XXXX.  I was told this was temporary and will be reimbursed or reversed right away that this was for security reasons to verify who  I am because of my amazon account being compromised.XXXXThe impersonator instructed me to install a remote access application (XXXX) and grant full control of my phone. While remotely connected, they directed me step-by-step to complete the transactions. This demonstrates coercion and third-party control, not voluntary or informed authorizationXXXXThe e-gift cards were redeemed by unknown third parties, not by me. The redemption records also show dates of purchase as XXXX XXXX XXXX XXXX which is correct but the redeem date of the E gift cards is XXXX XXXX at XXXX (prior month) not consistent with the purchase dates, indicating fraud or misuse. I have order receipt showing redeem date I just gave in previous sentence. XXXXI contacted XXXX  and Venmo promptly after discovering the scam and secured my accounts.\n\nUnder the Electronic Fund Transfer Act and Regulation E (12 CFR 1005.2(m) and 1005.11), transactions induced by impersonation, deception, and coercion qualify as unauthorized electronic fund transfers. Consent obtained through fraud is not valid authorization.XXXXVenmo denied my dispute despite evidence of impersonation, remote access, third-party redemption, and prompt reporting. I requested a Regulation E investigation and provisional credit, but reimbursement was denied.XXXXI am requesting that the CFPB require Venmo and its issuing bank (XXXX XXXX XXXX XXXX) to conduct a proper Regulation E investigation and reimburse the unauthorized transactions.\XXXXThank you for your assistanceXXXX XXXXVenmo card holdeXXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Closed my account for no reason. I didn't break any of their company 's rules, and I've never done anything related to money laundering. Just using my account normally and they closed it. No reason, no explanation. Discriminating against XXXX and even XXXX people

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc.
State: NC

Complaint narrative:
I acknowledge the underlying debt exists, however the balance being reported is inaccurate. 
The original creditor ( XXXX ) reported a charge-off amount of {$3500.00}, while the collector ( XXXX XXXX XXXX is reporting {$3900.00}. 
I have not been provided documentation showing how this higher amount was calculated. In regards to the collector they have reported to my credit as a duplicate entry and has since then been removed by one credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: NY

Complaint narrative:
I took out a private student loan through Climb Credit for a XXXX XXXX. The program was marketed with a job guarantee and career outcomes that were misleading. Material details ( including degree requirements to qualify for refunds and realistic job placement expectations ) were not clearly disclosed before enrollment. I withdrew after several months when I realized the representations did not match reality, but I am still being held liable for the full loan. I am requesting investigation, correction, and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I brought a car from XXXX XXXX through Credit acceptance, and I went on leave from my job, due to a work injury. Then later the XXXX XXXX fusion in the yearly part of XXXX. In XXXX the car was total by the insurance due to a car wreck. The insurance paid XXXX total to credit accepatance leaving a balance of XXXX, I explain to them that I had XXXX  insurance to cover the rest. I purchase XXXX  for XXXX when I purchase the vehicle. So, I thought they would pay it off. I was told when I purchased the vehicle by the XXXX, that if anything happen to the car that XXXX  would cover it. But in XXXX when the vehicle was crashed credit acceptance refused to pay... So, I felt like it was false advertisment to help the company increse my total price for trhe vechile in question. So, I told them to take the XXXX from what I paid for XXXX  insurace to clear a settlement balance of XXXX. But they refused to. So, time went on, I was still out from work recive short term XXXX income, so I explain to them that it would be hard. But in XXXX XXXX I paid XXXX to the attorney who they sent my account to for collection who filed a lawsuit in court. Then, on XXXX I sent the relmaining balance of XXXX dollars. which was the amount agreed upon to settle the debt, then they said the will change my credit history on this vehicle as paid in full. But as of today, they still hasnot change anything, but just say o balance. They say the was giong to change it once they recieved the remain balance. I have not recieved anything. But I called credit acceptance asking them about it. they claimed they are giong to do it but hasnot. I have received a judgement for XXXX  court stating case has been dismissed with pregjudice.

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 2026-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I had already prepaid interest through XX/XX/XXXX, and as of XX/XX/XXXX, my principal balance was only one cent. Because mortgage interest accrues solely on the outstanding principal, no additional interest should have accrued after that date regardless of when the payoff was processed. However, UWMs automated system generated two different payoff statementsone in XXXX and another in XXXX significantly different refund amounts. The XX/XX/XXXX payoff statement showed that UWM owed me {$21000.00}, while the XX/XX/XXXX payoff statement showed only {$16000.00}, a difference of about {$5500.00}. The sole change was the interest to payoff date, even though my principal remained effectively zero. This discrepancy strongly suggests that UWMs system misapplied its standard payoff logic to your unique situation, calculating additional interest that could not have accrued.

The communications with UWM show that I made good-faith efforts to clarify and resolve the issue. After paying down the loan to a near-zero balance, I requested guidance on how to complete the payoff. UWMs customer service initially directed me to call, and upon doing so, I was told to generate a payoff statement. The XXXX payoff statement contained instructions only for borrowers who owe funds to UWM, such as wiring payment, but offered no direction for cases where the lender owes a refund to the borrower. Because of that lack of guidance, the payoff process was not initiated until I followed up again in XXXX, at which point UWM recalculated the payoff amount using its automated system and reduced your refund. UWM later confirmed through written messages that the payoff was processed only after your XXXX call, that the refund was {$16000.00}, and that its system calculates interest through the payoff date. However, the company never addressed the fact that no additional interest could accrue on a {$0.00} principal. Their explanation that the payoff includes the interest to the payoff date is not factually or legally sound in this context. 
The attached message exchanges indicate that I continued to ask for the calculations about how UWM arrived at the payoff amount, breaking down the interest payment but I did not receive the precise information. UWM continued to provide payment history which I am well aware of but that does not directly answer the questions or provide any insight into why the payoff amount is different.

I have attached following documents 1. Message exchanges history 2. XX/XX/XXXX payoff statement 3. XX/XX/XXXX payoff statement 4. My written letters ( twice ) sent to them to ask for appropriate information.

5. All the payment transactions towards the loan that I have made from the beginning of the loan to the point of closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: IN

Complaint narrative:
To Whom It May Concern, I am writing regarding the above-referenced account, which is currently being reported on my consumer credit reports and has caused a significant and unwarranted drop in my credit score. 

I formally dispute the validity, accuracy, and enforceability of this alleged debt. 

This account stems from my first-ever apartment tenancy at XXXX  on XXXX in XXXX. I vacated the unit shortly after move-in due to serious and unresolved habitability and maintenance failures, which were documented in writing to property management at the time. These issues included lack of timely maintenance, health and safety concerns, and failure to provide a move-in-ready unit. As a result, I was constructively evicted. 

Despite this, the balance being reported consists almost entirely of penalties and fees, including an early lease termination fee and post-vacancy late fees, which are not legally enforceable under the circumstances. Additionally, I did not receive a timely move-out statement or itemized list of charges following surrender of the unit in XXXX. 

Because this debt is disputed and based on inaccurate and improper charges, its continued reporting violates the Fair Credit Reporting Act ( FCRA ). I am requesting the following : XXXX. Immediate cessation of collection activity until full validation is provided XXXX. Written documentation supporting the enforceability of the alleged charges XXXX. Proof of timely delivery of the move-out itemization XXXX. Removal of this account from all consumer credit reporting agencies due to inaccuracy This communication serves as formal notice that the debt is disputed. I am requesting that all future communication be in writing only. 

Please confirm receipt of this dispute and advise in writing of the actions being taken. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Was applying for a HELOC with Bank of America. After XXXX rounds of requesting additional information they stared asking for things that made no sense, like moving documents and a lease agreement on a house I owned, and credit card statements on a card I was not the card holder on. I asked for clarification on what they wanted and why they needed this additional information. They did not explain and instead just denied my application. My credit score has suffered dramatically as a result of this. Bank of America just does not want to write loans for people who have 100 % equity in their house?

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 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I ordered food from XXXX eats on XX/XX/year> totaling about {$50.00}. I did NOT receive what I ordered : l ; I filed a chargeback with the bank, Capital one. Capital one partially approved my chargeback and is stealing about {$38.00} from me because the merchant allegedly provided valid documents. However, I did NOT receive what I paid for. Capital One and XXXX eats are stealing from me. I should not have to pay for something I did not receive. Instead of my order, I received raw, incorrect food!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I was charged {$380.00} for a longbow that I did not receive. I contacted the merchant to request restitution for the undelivered item, but the merchant did not provide a substantive response or issue restitution. 

I then contacted XXXX, which resolved the case in the merchants favor and indicated that the merchant was responsible for providing the amount of the item not received. The merchant did not provide that amount and did not follow through after XXXX decision. 

I subsequently contacted Bank of America to dispute the charge. During the dispute process, Bank of America handled the dispute using {$320.00} as the amount to be addressed. During my call with the bank, I explicitly stated that this amount was provisional only, was not a final or agreed amount, and that I had not received the item. 

In XX/XX/XXXX, only after multiple calls to address the issue, Bank of America canceled my initial dispute, stating that this was done to address the issue of the accurate amount. No correction was made. Bank of America later opened another dispute related to the same charge, including shipping costs, but did not complete the dispute or provide any resolution. 

As of XX/XX/XXXX, the charge remains on my account, and I continue to be billed for a purchase I never received despite repeated contact.

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 2026-02-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
A charge of * * {$2100.00} * * posted to my Venmo XXXX without my authorization. My Venmo account did * * not have sufficient funds * * to cover this transaction. According to Venmos Cardholder Agreement, transactions exceeding available funds * will be declined. * Despite this, the transaction was * * allowed and forced through * *, causing my account to go negative. 

I immediately disputed the charge with PayPal/Venmo. They issued a * * temporary credit * *, which was later * * reversed without explanation * *, leaving me financially harmed. The only justification provided was that the merchant had a prior authorization, which is * * not authorization from me * *. 

This action violates : * * * Venmos own policy * * requiring transactions above available funds to be declined. 
* * * Regulation E * *, which requires proper investigation of unauthorized electronic debit transactions and prohibits arbitrary reversal of provisional credits. 
* * * Contractual obligations * * under the Venmo XXXX Cardholder Agreement regarding dispute resolution and unauthorized charges. 

I request : XXXX. Immediate reversal of the unauthorized {$2100.00} charge and correction of my Venmo account balance. 
XXXX. Assurance that Venmo/PayPal will not report or penalize me for the negative balance caused by their forced transaction. 
XXXX. A written explanation from Venmo/PayPal detailing why the transaction was allowed, evidence of my alleged authorization, and summary of their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding Remitly due to inaccurate and misleading information provided to the CFPB in a prior complaint and an unresolved repeated transaction failure. 

My previous CFPB complaint ( ID XXXX ) involved Remitly transfer reference XXXX. In their official response dated XX/XX/year>, Remitly stated that : The amended transfer XXXX was successfully completed on XX/XX/year>, and A {$100.00} goodwill credit was applied to my Remitly account. 

These statements are incorrect. 

The recipient has never received the funds for transfer XXXX, despite the status being marked as Delivered on XX/XX/year>. Additionally, on XX/XX/year>, Remitly emailed me stating that this same transfer was still being held for a standard AML review by their partner bank. This directly contradicts Remitlys claim to the CFPB that the transfer was successfully completed. 

Furthermore, the promised {$100.00} goodwill/inconvenience credit was never paid to my account. 

Since XXXX, I have contacted Remitly multiple times. Support agents provided inconsistent explanations, repeatedly promised resolution within XXXX hours, and in some cases verbally alleged money laundering, without providing any written notice, documentation request, or confirmation that my account was formally restricted. 

I am concerned that Remitly provided misleading information to the CFPB, misrepresented the status of my transfer, and failed to honor a written compensation promise. 

I am requesting : XXXX. A formal investigation into transfer XXXX XXXX. Written clarification of the true status of this transfer and any XXXX review XXXX. Payment of the previously promised {$100.00} goodwill credit XXXX. An explanation for why the transfer was marked Delivered while still under review and not received by the recipient

Company response to consumer: Closed with explanation