vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 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 paid {$410.00} to XXXX for a flight with XXXX {$240.00} and {$130.00} XXXX XXXX and {$32.00} XXXX for plane ticket on XX/XX/XXXX. The charges cleared my account on XX/XX/XXXX but the holds were not removed by Capitol One. I contacted the branch who advised they couldn't void the pending hold even though XXXX advised to contact Capitol One and they should release the hold as the charges were already paid. I told the lady I had a screen shot to prove what I stated. The lady said I had to wait XXXX business days for a hold of already cleared charges in the amount of {$380.00} be removed. As a consumer this is not right and fraudulent as the charges are paid and i have the proof as well as the lady said she could see it had cleared but the secondary duplicate hold would not be released before the time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal reporting of the following account appearing on my consumer credit report : Creditor : XXXX XXXX XXXX Original Creditor : XXXX  XXXX, XXXX. 
Account Number : XXXX Balance Reported : {$2400.00} Status : Collection Account This account is disputed in its entirety. I am requesting a strict Method of Verification pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I am not requesting assumptions, summaries, or boilerplate responses.

To fully comply with federal law, you must provide all of the following : A copy of the original signed contract or application creating the alleged obligation If the account was opened electronically, documentation showing : The method of online application IP address Date and time of submission Authentication or identity verification procedures used If the account was opened in person, documentation identifying : The physical location The individual or entity that processed the application A complete account history from origination through charge-off, showing how the balance was calculated A complete chain of title, including : The bill of sale Assignment agreements Proof of lawful transfer from XXXX  XXXX, XXXX. to XXXX XXXX XXXX The name, address, and contact information of the person or entity that verified the account The specific documents reviewed during verification The date and manner in which the verification was conducted For clarity and to prevent improper responses : I am not asserting identity theft I am not admitting ownership of this account I am requesting validation and verification only I am not using a third party or credit repair organization Whether I use a third party is irrelevant and not a permissible basis to deny or delay verification I have previously received frivolous and non-responsive form letters, including : Generic statements that the account was verified Improper inquiries into third-party representation Identity-theft language that I did not request Such responses do not satisfy the Fair Credit Reporting Act. 

If you can not produce the documentation listed above, then this account is unverifiable as a matter of law and must be deleted immediately from my credit file. Continued reporting without proper verification constitutes inaccurate reporting and willful noncompliance. 

Please provide written confirmation of deletion or full verification within the statutory timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
SEQUIUM ASSET SOLUTION is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM ASSET SOLUTION 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 Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
Brock and Scott PLLC failed to provide the legally required notice of my right to dispute an alleged debt. 
I never received their original contact letter. On XX/XX/year>, my XXXX XXXX XXXX dashboard showed an image of mail from Brock and Scott, but the letter never arrived to date. I reached out to XXXX twice about my missing letters from XX/XX/year>. After locating the address on the image of their firm online, I contacted Brock and Scott office on XX/XX/XXXX and informed two representatives that the letter was lost in transit. I specifically requested a copy of the original contact letter so I could review the reason for their letter as I had never had any dealings with them. 

Instead of providing the original notice letter as requested, Brock and Scott sent a response labeled as materials to validate the existing debt that did not include any statement of my rights under the Fair Debt Collection Practices Act. The response did not disclose my right to dispute the debt, did not state the 30 day dispute period, and did not contain the disclosures required by 15 U.S.C. 1692g. It also did not establish legal liability or their authority to collect. In addition, they relied only on partial billing statements and notices of alleged term changes without supplying the original agreement/terms and conditions those changes were based on. 

Because I never received any initial communication, and their follow-up response omitted all required consumer rights disclosures, Brock and Scott failed to provide lawful notice. A communication that lacks notice of the right to dispute and the dispute deadline does not satisfy FDCPA requirements. 

The alleged debt remains fully disputed due to Brock and Scotts failure to comply with federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Capital Ones handling of my credit card account, which was unilaterally closed by the bank without a clear or specific explanation, and its refusal to refund the annual fee despite early termination of services.

Capital One informed me that my credit card account was closed because my account activity was inconsistent with typical customer usage, as stated in the account closure notification letter. When I contacted customer service for clarification, I was repeatedly told that no further details could be provided and that Capital One would not specify which terms or conditions, if any, were violated. 

At the time my annual fee was charged on XX/XX/XXXX. And to today XX/XX/XXXX, I did not use any benefits or services associated with this credit card. The annual fee was posted less than 90 Days and the Capitalone Bank told me that they CAN NOT give the annual fee back even I did not use any befint and the decision was not made by me. It is redicious. I am currently spending my holiday with my families in my home country and, due to local payment requirements, I have to add the capitalone credit card in my local digtal payments. Despite the fact that I did not utilize any card benefits, Capital One refused to refund or prorate the annual fee, stating that the decision was final regardless of usage. 

I could understand if they claimed it was based on their bank 's terms and conditions when they first closed my checking account. However, after closing my checking account, they not only approved my new credit card application but also successfully collected the annual fee, which implicitly acknowledges that they consider me a qualified customer ; otherwise, they wouldn't have approved my credit card application. But then, they closed my account the very next month after collecting the annual fee, without providing any reasonable explanation, just like before. I believe this is discrimination against me by Capital One. The bank hasn't given me any specific reason for closing both my checking account and my credit card, significantly impacting my life and financial situation. 

My requested resolution is as follows : 1. If Capital One insists on permanently closing my credit card account, I request a full or prorated refund of the annual fee charged for services I was unable to use due to the banks unilateral decision ; or 2. If Capital One refuses to refund the annual fee, I request that my credit card account be reinstated so that I may access the services for which the fee was charged.

I respectfully request that this matter be formally reviewed and that Capital One provide a written response addressing these concerns.

Thank you for your assistance. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Monday, XX/XX/year>, I received a phone call from Wells Fargos

executive/regulatory response team acknowledging receipt of my complaint submitted through the Consumer Financial Protection Bureau . During that call, Wells Fargo confirmed the matter had been escalated for internal review. Since that call : No written response has been issued No legal basis for the restriction has been provided No timeline for resolution has been communicated The funds remain restricted The continued restriction of funds has caused ongoing business interruption and financial harm. Wells Fargo has been placed on notice of this harm but has not taken corrective action. I am requesting that Wells Fargo be required to provide a written explanation for the restriction, identify the legal authority relied upon, provide a clear resolution timeline, and take prompt corrective action to prevent further harm.

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 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
On Monday, a {$4900.00} Pay Anyone transfer was sent from my Chime account to an unknown recipient without my authorization.

I did not know the recipient, did not approve the transfer, did not benefit from it, and did not intend to send these funds. I reported the transaction promptly as fraud and requested a Regulation E investigation.

Chime denied my claim citing no evidence of account takeover, but did not provide any documentation, device data, IP address review, or authentication records demonstrating that I authorized this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding PORTFOLIO RECOVERY ( XXXX ), who is attempting to collect an alleged debt with the amount claimed being {$540.00} or any other amount they assert. The debt has not been properly validated, and I dispute their attempt to collect this debt. PORTFOLIO RECOVERY has failed to provide any documentation to substantiate the alleged debt, and their collection activities are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received any information verifying the debts validity, including the address of original creditor, and proof of their legal authority to collect on this alleged debt. I request the following actions from the CFPB : Investigate PORTFOLIO RECOVERY for their failure to provide validation of the debt as required under 15 U.S.C. 1692g of the FDCPA ; ensure that PORTFOLIO RECOVERY ceases all collection activities on this alleged debt, including reporting it to credit bureaus, until they provide proper validation documentation ; demand that any reference to this debt, be removed due to the lack of verification and substantiation ; and take corrective action to ensure PORTFOLIO RECOVERY complies with their legal obligations under the FDCPA and 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information is reported on consumer credit files. It is my belief that PORTFOLIO RECOVERY is violating my rights by attempting to collect a debt without proper validation, which has caused harm to my credit report and financial well-being. I ask the CFPB to ensure that PORTFOLIO RECOVERY. adheres to the law and removes any and all references to this alleged debt from my credit file. Furthermore, I request that PORTFOLIO RECOVERY cease all collection activities on this alleged debt unless they provide the necessary validation as required by federal law. Thank you for your attention to this matter. I trust that the CFPB will assist in investigating this issue and help ensure my rights as a consumer are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax continues to report inaccurate and misleading information about a collection account from XXXX XXXX XXXX, allegedly originating from XXXX XXXX XXXX XXXX. Despite multiple disputes submitted directly to Equifax and a prior CFPB complaint ( Ref : XXXX ), the tradeline remains on my report with unresolved errors. 

Specifically, the Date of First Delinquency ( DOFD ) on the account is clearly XX/XX/XXXX, yet Equifax is reporting the account as currently past due, active, and updating monthly with derogatory statuses ( including as recently as XX/XX/XXXX ). This practice violates FCRA 605 ( a ) ( 4 ), which limits the reporting period of collection accounts to 7 years from the date of delinquency, and prohibits re-aging accounts to make them appear newer than they are. 

I have also requested validation of the debt, including documentation proving ownership, a copy of the original contract, a complete payment history, and evidence of a valid chain of assignment. None of this has been provided. Instead, Equifax merely responded that the item was verified and updated fields like scheduled payment and actual payment despite the fact that no payments have ever been made, which further supports the claim that the account is outdated and invalid. 

Equifax 's response failed to address the specific FCRA and Metro 2 compliance violations, including : Inaccurate date reporting Failure to block unverifiable data under FCRA 1681i Failure to ensure maximum possible accuracy under 1681e ( b ) Continued reporting of a disputed tradeline without proper investigation or documentation This account is causing severe harm to my credit profile and financial well-being. It is restricting my access to housing, credit, and employment opportunities and I am asking the CFPB to review this complaint as a pattern of noncompliance by Equifax with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
applied for the Citi Double Cash credit card after seeing promotional materials emphasizing a 0 % APR offer. During the application process, it was not clearly and conspicuously disclosed that the 0 % APR applied only to balance transfers and not to regular purchases. 

I began using the card in XXXX and set up autopay. Interest was not charged until XXXX, at which point I began accruing approximately {$70.00} {$80.00} in interest per month. 

When I contacted Citibank, they acknowledged the issue by agreeing to refund the XXXX and XXXX interest, but refused to refund the XXXX interest. The disclosure issue, however, affected all months equally. 

I believe the promotional APR terms were unclear and misleading, and I am requesting a full refund of all interest charged as a result of this disclosure issue.

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 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Company : Truist Bank Product : Auto Loan Issue Type : Incorrect credit reporting / Failure to correct after dispute- My vehicle securing this auto loan was declared a total loss on XX/XX/XXXX. At the time of loss, the payoff balance was {$18000.00}. Following the total loss, the loan entered payoff resolution. 

After the loss, insurance proceeds, vehicle warranty refunds, and XXXX insurance payments were sent directly to Truist and applied to principal, ultimately satisfying the entire loan balance. During this period, Truist continued installment billing, assessed late fees, and reported delinquency while third-party payments were actively processing. 

Late fees were assessed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( 11 days after the due date ). XXXX {$15.00} late fee was later waived in XX/XX/XXXX, indicating servicing inconsistency. The final XXXX insurance payment posted in XX/XX/XXXX. 

As of XX/XX/XXXX, the loan now reflects a {$0.00} balance and is closed. No principal, interest, or fees remain due. 

Despite the account being paid and closed, Truist has failed to correct inaccurate late payment and delinquency reporting related to the period after the total loss date. I previously sent a goodwill/dispute letter on XX/XX/XXXX and have not received a response. 

The continued reporting of delinquency after XX/XX/XXXX is inaccurate and misleading, as the loan was in payoff resolution and is now closed with a {$0.00} balance.

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 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing a formal complaint against XXXX  for failure to investigate multiple billing errors and allowing merchant fraud. 

Incident XXXX : I placed an order with XXXX on XX/XX/XXXX ( Order XXXX ) that was never delivered. XXXX  closed my initial dispute because XXXX falsely claimed a refund was issued on XX/XX/XXXX. I have attached proof from a XXXX Senior Rep dated XX/XX/XXXX admitting they have NOT refunded me and are refusing to do so for XXXX months. 

Incident XXXX : XXXX also canceled a separate order for boots made on XX/XX/XXXX ( XXXX XXXX ) on their own initiative. Despite canceling the order themselves, they have never returned the {$30.00} to my original payment method. 

XXXX  is refusing to let me speak to a supervisor and is failing to protect my funds from a merchant that is openly admitting to withholding my money under false pretenses. I am requesting a full reversal of both charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Company charged my account off to debt collectors and went ahead to close my account with the amount of {$150.00} in my savings account. Contacted them to send my remaining funds to me thought a check but never heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: WI

Complaint narrative:
I am submitting this complaint as a continuation and escalation of a prior CFPB complaint that Wells Fargo closed without resolving the underlying issues. 

Prior CFPB Complaint Number : XXXX ( Closed ) I lost {$19000.00} to a sophisticated bank-impersonation scam in XX/XX/XXXX. Wells Fargo denied my fraud claim without ever contacting me to ask what happened. Their decision relied solely on internal records and procedural claims, not a customer interview or contextual investigation. 

Since that complaint was closed, new and troubling information has emerged. On XX/XX/XXXX, my local police investigator informed me that Wells Fargo responded to a law-enforcement subpoena by stating they were unable to locate the ATM transaction related to my case. This is the same transaction Wells Fargo previously cited to deny my claim. 

This raises serious concerns : Wells Fargo claims certainty in denying reimbursement, yet can not locate key transaction records when subpoenaed. 

Wells Fargos delays and incomplete responses are impeding an active police investigation. 

Wells Fargo never contacted me during the fraud review and still has not conducted a meaningful investigation. 

This demonstrates systemic failure, not consumer error. 

I am requesting CFPB assistance in requiring Wells Fargo to conduct a good-faith reinvestigation, produce complete transaction records, and explain how a claim can be denied when supporting data can not be produced to law enforcement. 

Silence isnt protection. Delay isnt due diligence.

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