vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 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: MI

Complaint narrative:
I am writing to formally file a complaint against Capital One regarding their handling of a dispute involving a third-party hotel booking company, XXXX. I used my Capital One credit card for this {$110.00} transaction with the expectation of being protected from fraudulent or misleading business practices. Unfortunately, that protection was not provided. Due to a severe snowstorm, I contacted XXXX and was clearly and verbally promised a full refund for my booking. I relied on this promise in good faith. However, the company failed to issue the refund as promised and did not follow through on their commitment. After multiple follow-ups, the company instead provided me with a replacement code to use for a future booking. This code did not work despite repeated attempts over several months. Each time I contacted them, I was either ignored or given misleading responses. It became clear that the company was engaging in deceptive practices and had no intention of honoring their promises. I submitted a dispute to Capital One and provided details of the situation, including the refund promise and the unusable code. Despite this, Capital One denied my dispute and failed to properly recognize this as a case of misrepresentation and failure to provide services. I trusted Capital One to protect me in situations like this, and their failure to do so has resulted in a financial loss. I am requesting that Capital One reopen this dispute, conduct a proper investigation, and issue a full credit of {$110.00} to my account. This situation clearly involves a merchant that misrepresented their services and failed to deliver what was promised. I expect Capital One to uphold its responsibility to protect its customers from fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: MO

Complaint narrative:
" I am reporting M.A.R.S. INC for two major federal violations regarding a collection for {$4300.00}. 1. Illegal Reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ) : On XX/XX/XXXX, this account was not on my credit report. It was reinserted on XX/XX/XXXX. The credit bureau failed to provide the mandatory 5-day written notice of reinsertion required by law. As of today, the account has disappeared again, proving the reporting is inconsistent and unverifiable. 2. Impossible Reporting Dates ( Re-aging ) : M.A.R.S. INC is reporting a 'Date of First Delinquency ' of XX/XX/XXXX. This is a physical impossibility. Per XXXX XXXX XXXX XXXX XXXX, a final judgment was already entered on XX/XX/XXXX. Furthermore, I was served a summons for this debt on XX/XX/XXXX. A debt can not 'first become delinquent ' after a court has already ruled on it. This is a clear attempt to 're-age ' the debt to keep it on my report longer than the 7-year legal limit. Because of these reporting inaccuracies and the failure to provide reinsertion notice, I demand this account be permanently deleted. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
On XXXX [ date ], XXXX, I leased a XXXX XXXX XXXX XXXX XXXX with an MSRP of {$56000.00} from [ Dealership Name ] in [ City XXXX XXXX California ; despite having Tier 1 credit, the finance manager quoted me 8 % APR and required {$16000.00} down with $ 600 monthly payments. I later discovered through screenshots that this same dealership was selling identical XXXX for $ XXXX {$12000.00} during and after my purchase, proving available discounts were willfully concealed from me ; when I texted the dealership requesting they " make it right '' by providing a new vehicle at proper pricing, they acknowledged the issue but refused to correct it, demonstrating intentional fraud rather than error ; my total damages are {$21000.00} in overpayments and missed discounts, and I seek full restitution plus regulatory action against Ford Credit for failing to supervise dealer markup practices and against XXXX for fraudulent concealment, unfair competition, and violations of the Truth in Lending Act and California Consumer Legal Remedies Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am filing a complaint regarding the denial of a Chase Offer on my XXXX XXXX XXXX credit card. The offer promised 10 % cash back ( up to {$50.00} ) on XXXX XXXX purchases of {$100.00} or more, with stated terms including expiration on XX/XX/XXXX, and validity on U.S. purchases made directly with the merchant. I made a qualifying purchase of {$100.00} on XX/XX/XXXX, directly through XXXX XXXX U.S. website. Chase has denied the promotional credit and, over multiple interactions, has provided inconsistent and conflicting reasons for the denial : Initially, I was told the transaction did not qualify because it posted on XX/XX/XXXX ( after the expiration date ). I was then told the purchase did not qualify because it was not a U.S. purchase, despite being made on a U.S. website. Next, I was told the transaction was processed in foreign currency ( UAE Dirhams ), even though the offer terms do not state that transactions must be in U.S. dollars. Most recently, I was told the offer was activated on XX/XX/XXXX, XXXXhowever, I had already activated the relevant XXXX XXXX offer in XX/XX/XXXX. The XXXX date appears to refer to a different offer. These shifting explanations suggest that the denial is not based on a consistent application of the stated terms. At no point do the terms disclose that foreign currency processing or specific backend transaction coding would disqualify a purchase. I am requesting that Chase : Honor the promotional offer and issue the statement credit as advertised, or Provide a clear, consistent explanation referencing the exact terms and the correct offer associated with my account. This situation reflects unclear and inconsistently applied promotional terms, which is misleading to consumers. Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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:
I am filing a complaint against multiple debt collection agencies for potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). After disputing the alleged debts and requesting validation under 15 U.S.C. 1692g, the companies failed to provide sufficient documentation showing that I am legally responsible for the accounts. They did not produce essential records such as a signed agreement, proof of ownership or assignment, a full account history, or evidence of their authority to collect. Despite this, they appear to have continued collection efforts and may have reported the accounts to credit bureaus without properly verifying the information. This conduct may violate several provisions of federal law, including requirements to validate disputed debts, avoid misleading representations, and ensure fair collection practices under the FDCPA, as well as obligations under the FCRA to report accurate information and properly investigate disputes. Additionally, failure to follow XXXX XXXX reporting standards and the reporting of incomplete or unverified data may expose these companies to further regulatory violations and civil liability. Overall, their actions suggest a pattern of attempting to collect unverified debts while potentially reporting inaccurate information to consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TN

Complaint narrative:
My U.S. Bank account was closed after I received a transfer from my XXXX business account into my bank account. I understand the bank may have reviewed or flagged the transfer because the name on the XXXX account did not match the name on my bank account. However, the funds originated from my own XXXX business account, the bank had already allowed the account to be linked and verified, and I was never notified of any third-party dispute, adverse claim, or formal claim that the funds belonged to someone else. U.S. Bank released the portion of my balance that was not related to that XXXX transfer and retained the rest. My complaint is not about the banks decision to close the account. My complaint is that U.S. Bank retained funds and never provided a final written accounting or final disposition of those funds. As of today, I still have not been told the exact amount retained, whether the funds were returned, reversed, sent elsewhere, or are still being held, or why the retained funds were not released after the banks review was complete. CARD NUMBER XXXX XXXX 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
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was scam for a fake account for a resort, i payed XXXX dlls for a reservation amd the account was fake, was the XX/XX/26

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 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
From XXXX to XXXX, I was in active repayment on my XXXX consolidated loans while working for a qualifying public service employer, Texas XXXX. In XXXX, I consolidated those XXXX loans into a XXXX XXXX XXXX specifically to become eligible for the XXXX XXXX XXXX XXXX ( XXXX ) program. According to the Department of Educations one-time account adjustment rules, my pre-consolidation payments ( XXXX ) should count toward my 120-payment requirement, even though they were originally made on XXXX loans. I have already submitted XXXX XXXX XXXXXXXX ( XXXX ) covering this entire period, and those forms have been received. However, these years are currently missing entirely from my XXXX payment tracker on StudentAid.gov. They are not listed as 'Ineligible ' ; they simply do not appear in my payment history at all. This suggests a data synchronization gap between my original XXXX loan history and my XXXX Direct Consolidation Loan record. I am seeking a manual review or 'rework ' of my account to ensure these XXXX months of qualifying service are correctly identified and added to my total qualifying payment count.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing this complaint against Columbia Debt Recovery LLC ( dba Genesis ) for attempting to collect a debt that is not owed. Genesis is attempting to collect a debt of {$200.00} originating from a previous apartment lease at The XXXX XXXX XXXX. The move-out charges were fully covered by my security deposit. I previously disputed this matter with the original creditor and a prior collection agency in XX/XX/XXXX, providing proof that my security deposit was paid and sufficient to cover the final charges. When Genesis recently began reporting this account to my credit file, I disputed it with the credit bureaus ( investigation completed XX/XX/XXXX ) and sent a direct formal debt validation request to Genesis via Certified Mail in XX/XX/XXXX. I explicitly requested the move-in ledger to show how my security deposit was applied. On XX/XX/XXXX, Genesis sent me a response that only contained a final move-out bill, deliberately omitting the security deposit ledger and failing to account for my withheld funds. They are in violation of the FDCPA and FCRA by refusing to properly validate the debt and investigate the missing security deposit, while continuing to report this false balance as valid to the credit bureaus. I am requesting immediate deletion of this trade line from my credit report and a cessation of all collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding the wrongful denial of my fraud claim On XX/XX/XXXX, I discovered an unauthorized ATM withdrawal of approximately {$540.00} from my account. My debit card was in my possession at all times and was not lost or stolen. I reported the transaction immediately upon discovery. Navy Federal denied my claim, stating only that their information contradicts my report of unauthorized activity, but they have failed to provide any specific explanation or evidence. I have requested details including ATM location, transaction authentication, and any supporting documentation, but Navy Federal has not provided sufficient information to justify their decision. I have filed a police report regarding this incident ( Report # XXXX ), which further supports that this transaction was unauthorized. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to dispute unauthorized transactions and receive a proper investigation and explanation. I believe Navy Federal failed to conduct a reasonable investigation and is fully holding me responsible. I am requesting : 1. A full reinvestigation of my claim 2. Reimbursement of the unauthorized {$540.00} withdrawal 3. A detailed explanation of the evidence used to deny my claim I am seeking prompt resolution of this matter.

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 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
So the debt was with acima initially, it went down a chain of collection agencies who called me was XXXX XXXX XXXX advising me to pay {$1500.00} or 2 legal claims will be filed with XXXX XXXX. I offered what I had to pay for it to be dismissed they said no they can do {$1500.00} I advised im not working they advised for me to ask my husband for help to do payments on it. I hung up then called back asking for a company name they couldnt legitimize the company ive been trying to find it and cant located it. I went down the list of collections agencies and the last one doesnt answer it then led me to XXXX XXXXXXXX XXXX which is the last number on the list of collections agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc.
State: VA

Complaint narrative:
I am a customer of Foris DAX , Inc. ( d/b/a Crypto.com ) and have experienced a pattern of bad faith conduct resulting in repeated inability to access my own funds. First, Crypto.com unilaterally suspended my account without explanation, restricting me from executing any transactions other than withdrawals. No cause or disclosure was ever provided for this restriction. Upon my formal inquiry, the restriction was lifted, but only after I escalated the matter. Second, funds held in my Crypto.com XXXX account were locked under a term agreement with an unlock date of XX/XX/year>. I formally demanded the immediate release of these funds on the basis that Crypto.com 's prior unilateral account suspension constitutes a material breach of contract, forfeiting their right to enforce the lock-up terms against me. This demand was submitted via formal legal letter dated XX/XX/year>, which has been attached to this complaint. Crypto.com 's pattern of restricting account access without cause, withholding funds, and failing to provide reasonable remediation constitutes bad faith conduct by a licensed money services business and custodian of client assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credimatico LLC
State: TX

Complaint narrative:
I have experienced ongoing harassment from debt collectors, including repeated and excessive contact attempts, as well as threatening language regarding potential legal action. These communications have caused significant stress and concern, especially when threats of being sued were presented in an aggressive or misleading manner. I am seeking to address this situation appropriately and ensure that all collection practices remain compliant with applicable laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a checking account with Capital One Bank that I opened in XXXX. The account became inactive for the last XXXX years because the local branch in my area closed, and I moved my primary banking to another institution while keeping the Capital One account. I tried to get information about the account, including whether it was closed properly, the disposition of any funds, or if it was sent to the state unclaimed property office. I have documentation proving the account existed, including original account opening documents and a checkbook with my name and the account information. Despite providing this evidence, Capital One has told me they have no record of the account. I have also checked the XXXX XXXX XXXX unclaimed funds database and found no funds under my name. The estimated balance of this account is between {$10000.00} and {$12000.00}. I am concerned that the bank did not properly track or handle this account and may not have complied with recordkeeping or unclaimed property requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I tried to log in to make my payment Friday XX/XX/year> and received an error that I couldnt log in and said to call the number on the card. I assumed the site was down so tried logging in today XX/XX/year> but got the same error. I called in and was told my account was frozen and had been since XXXX. They said I had a return payment which I was aware of and had called in when I found out my mistake in XXXX. I asked how I was supposed to make my payments now that I cant get in to my online account. I was told i needed to call in from now on. I asked how I can see my charges because the balance I was given was higher than I should be. I was told I couldnt. I asked for a supervisor and was told one would call me back when one was available. I dont feel like they should be able to block me from seeing my account and my charges.

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 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
I had a devastating house fire. The house is lost Insurance sent me a partial payment of XXXX. The check was jn my name and freedom mortgage. The payoff on my mortgage is XXXX. They are suppose to send me a check for XXXX. This is being used to rebuild the house. It has been over 20 business days and I am told still no check they are telling be anither 10 days to process This is unacceptable. It is my money they need to send this check so we can rebuild 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
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: CA

Complaint narrative:
XXXX XXXX XXXX, OH XXXX # XXXX I am still unaware of this debt through this company. According to 15 USC 1692 g I never received AN ACCURATE detailed list of the history of payments made by me on this account. Secondly, they never sent proof of a signature that I put on a legal binding contract guaranteeing that I will pay this creditor. Thirdly, they never included any proof of insurance claim filed on this debt and also they never sent proof of a chain of title to collect on this debt. Nonetheless, there was NO proof that they are licensed to collect debt in my state nor was there a license number and name of issuing authority. Simply put, I do not have a contract with XXXX XXXX XXXX under FCRA XXXX and the FDCPA I am requesting this account be removed permanently due to NO verified contract or legal reporting rights. if you believe you sent the proper notification, please provide a certified mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report and your collection agency entirely or I will have to take legal action against you. This is also my official request to cease and desist all collection efforts until you have sent me legally required debt validation.

Company response to consumer: Closed with explanation