vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a secured credit card account with Capital One and provided a {$1000.00} security deposit at XXXX XXXX. I choose to close my account at XXXX due to verification could not be completed for long time. I have successfully completed identity verification, phone verification, and bank account verification. However, my address verification was not successfully completed. Despite providing a bank statement showing my current address, I was informed by customer service that my address could not be verified and security deposit refund can not be guaranteed, and no clear timeline or resolution has been provided. I am concerned because my funds are still being held without a clear explanation or release date. I am requesting the following : XXXX. Confirmation of the current status of my {$1000.00} security deposit XXXX. A clear explanation of why the deposit has not been released XXXX. A specific timeline for the return of my funds XXXX. Confirmation of whether any additional documentation is required I am willing to provide any additional documentation necessary to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: AL

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
XXXXI am submitting this complaint regarding a debt being reported and/or collected related to alleged training costs by XXXX XXXX The supposed debt has since been sold to Lockhart, Morris and Montgomery. XXXXI was employed by XXXX XXXX as a trainee. During my very first week of training, the company abandoned me several states away from home without providing work, transportation, or any reasonable means to continue employment. XXXX was left stranded for approximately five XXXX days with no support from the company. During that time, I made attempts to resolve the situation and continue working but was unable to do so due to the companys failure to provide assistance or direction.XXXXAs a result, I was forced to borrow money from a family member to return home. Because XXXX XXXX failed to uphold its obligations and effectively made it impossible for me to continue employment, this situation constitutes a breach of contract and constructive termination by the employer.XXXXDespite this, XXXX XXXX is now attempting to collect alleged training costs of XXXX reported this debt to credit reporting agencies and then subsequently sold it to debt collection company Lockhart, Morris and Montgomery. This debt is invalid.\XXXXAny training repayment agreement, if one exists, is unenforceable due to the companys prior breach and failure to provide the conditions necessary for employment.XXXXThis situation appears to involve unfair and deceptive practices, including attempting to collect on a debt that resulted from the companys own failure to perform its obligations.XXXXI sent a letter via certified mail to the debt collection company on XXXX detailing the situation and requesting the following:XXXXImmediate investigation of this matter\XXXXValidation of the alleged debt, including a copy of any signed agreement, a detailed breakdown of the charges, proof that XXXX XXXX fulfilled its contractual obligations, immediate removal of this account from all credit reporting agencies if proper validation cannot be provided, and cessation of all collection activity on this account that the debt being removed from my credit report as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: NY

Complaint narrative:
I paid off all 3 of my collections with MIDLAND CREDIT MANAGEMENT INC Last reported XX/XX/year> {$1800.00}, {$920.00} {$1200.00} MIDLAND I ask for paid to delete off my credit report as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: NM

Complaint narrative:
Recived a letter in the XXXX from Lockhart, Morris and Montgomery collecting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> which I have never been to XXXX XXXX sort couldn't be me the owed amount is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing a debt reported by XXXX XXXX XXXX XXXX that is currently in collections. The balance being collected is inaccurate and does not match my signed lease agreement. My lease clearly states that the early termination fee is equal to XXXX months rent ( {$980.00} ). However, I was charged {$1900.00}, which is double the agreed amount and not supported by the lease. I also provided proper notice and vacated the unit on my confirmed move-out date, yet I was charged additional rent beyond that date without justification. Additionally, I paid a security deposit at move-in, but this payment is not reflected or credited anywhere in the final account statement. I previously contacted the leasing office to dispute these charges and requested an itemized explanation and validation of the debt. The information provided did not resolve the discrepancies and failed to justify the charges. Due to these inconsistencies, the amount being reported and collected is not accurate. I am requesting full validation of the debt, correction of the account, or removal of the account from collections and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
This is the second time I have raised a complaint with BMO Harris Bank. I suggest the CFPB investigate this bank, as I have issues opening an account, using the account and closing the account, nothing works. Even the staff at BMO XXXX branch complain about the difficulty working with BMO Harris. The first complaint was opening the account. It took me XXXX months, plus a complaint to CFPB to get the account opened. However, the account was totally unusable. All the transfer functions can not be accessed. Without the ability to move money in or out of this account there's no point in keeping it. I made multiple calls to BMO Harris trying to fix the transfer feature in the account. But no success. This second complaint is about closing this account. Initially I tried to close the account over the phone. But after hours of phone calls, I was told it can not be done. I went to a branch and wasted XXXX hours there, Eventually we agreed to close the account and mail me a cheque with the remaining balance. The second day I noticed I lost online banking access, indicating my account should be closed. it's been over a month, the cheque was never received. XXXX days ago, I phoned in, surprisingly, my account was still active. This bank is so bizarre, nothing works in this bank. There are many complaints over the Internet as well. I hope CFPB can take actions.

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 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MD

Complaint narrative:
Monies were taken days later for services already paid, like for XXXXXXXX XXXX XXXX XXXX XXXX for my daughter to get to work, one minute it says paid, then a day or 2 later they're taking it again. An for a while I had no way to get in touch with cash app, so Iam switching to XXXX, thank for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
In XX/XX/2026, multiple unauthorized transactions appeared on my PayPal Credit Mastercard account issued by Synchrony. I did not make or authorize any of these charges. The transactions included numerous highdollar purchases and resulted in a statement balance of {$3100.00} with a minimum payment of {$44.00}. I notified Synchrony immediately. On XX/XX/2026, Synchrony stated that a fraud investigation had been opened. I later received additional correspondence acknowledging my dispute and confirming that the charges were being reviewed. On XX/XX/2026, Synchrony sent a letter stating that my fraud claim was provisionally approved, but also stated that the status could change within XXXX days. On XX/XX/XXXX and XX/XX/2026, Synchrony sent further letters indicating that the investigation was still ongoing and that each submission was being reviewed individually. Despite these letters, Synchrony has not provided the information I requested about how the fraud occurred, how the account was accessed, or how the unauthorized transactions were authenticated. I also requested investigation records and an explanation of the verification process, but I have not received this information. Synchrony continues to send billing statements showing the fraudulent balance. I am filing this complaint because I am still being billed for unauthorized transactions, the investigation has not been resolved, and the company has not provided the information I requested about the fraud or the status of the investigation.

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 2026-04-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As per 15usc 161XXXX Experian XXXX XXXX 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 XXXX requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX XXXX : 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 explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OFG BANCORP
State: AR

Complaint narrative:
Notice of Dispute and Request for Debt Validation To : Oriental Bank XXXX XXXX Department From XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Deficiency Balance and Notice of Potential TILA Violations To Whom It May Concern, I am writing to formally dispute the reported balance of {$22000.00} currently appearing on my credit report associated with the above-referenced account. I surrendered the vehicle XXXX XXXX XXXX XXXX XXXX XXXX ). Upon closer review of the original financing agreement, I believe the terms of this loan XXXX have violated the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, and Regulation Z, 12 C.F.R. 1026. Specifically, the " Total of Payments '' and " Amount Financed '' were GROSSLY DISPROPORTIONATE to the actual value of the collateral ( MSRP of approximately {$36000.00} + PR Arbitrio vs. {$54000.00} ), suggesting that the total cost of credit was misrepresented at the time of signinga practice commonly referred to as " payment packing. '' Furthermore, under the FTCs CARS Rule ( 16 C.F.R. Part 463 ) and the Deceptive Trade Practices Act, it is a violation to misrepresent the total cost of a vehicle or to include " add-on '' charges without express, informed consent. The discrepancy between the monthly payment and the massive total loan amount indicates that the material terms of the contract were unconscionable and deceptive. I am requesting the following information within 30 days : XXXX. A Full Accounting : A line-by-line breakdown of the original " Amount Financed, '' including all fees, service contracts, and insurance products. 2. Evidence of Disclosure : Copies of the signed Truth in Lending Disclosure statements provided at the time of sale. XXXX. Proof of Sale : A detailed report of the vehicles sale at auction, including the date, sale price, and any costs deducted from that price. XXXX. Proof of Notice : Evidence that I was provided with a " Notice of Intent to Sell '' and a " Notice of Deficiency '' as required by state law. Until this investigation is complete and the legality of the original loan amount is verified, I request that you cease reporting this as a " balance due '' to the credit bureaus ( XXXX XXXX XXXX XXXXXXXX ), delete and avoid its re-insertion. If this matter is not resolved, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the State Attorney General 's Office. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: CO

Complaint narrative:
On or XX/XX/year> google charged my account with fraudulent charges totaling XXXX so I contact XXXX XXXX XXXXo file a claim the representative told me to contact social security? They have nothing to do with this. And hung up on me. They locked up my account and sent me a new card. Now I still can't get my monies it's been 4 months now and there is XXXX. On my account they told me they need to c verify my identity. So I send them a copy of my ID. Yes they received it but now need my social security card and birth certificate which I don't have and am trying yo obtain. I have answered all security questions and done everything I can. I'm financially ruined because of this is need my monies. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi XXXX XXXX XXXX XXXX XXXX approximately XXXX month ago. At the time of opening, I was told the card carried an XXXX 0 % introductory APR on purchases. That offer was a primary reason I chose this card I had an {$11000.00} balance I planned to carry interest-free during that period. My very first statement arrived with interest charges. When I called Citi to address this, I was told the XXXX 0 % XXXX was never part of my offer. That is not what I was told when I opened this account. I am a small business owner. I made a financial decision based on terms that were represented to me at the time of opening. I did not make a mistake I was given incorrect information, or the terms were misrepresented. Either way, I am now being charged interest on a balance I was told would be covered under a promotional rate for XXXX months. I am requesting that Citi : XXXX. Pull the offer terms associated with my account at opening XXXX. XXXX the XXXX 0 % promotional APR as originally represented XXXX. Reverse any interest charges already applied to my account This is my first billing cycle. I have not missed a payment. I have done nothing wrong here. I am asking Citi to stand behind what their representative told me when I opened this account.

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 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I had an unauthorized charge on my card. I attempted to call their customer ( not ) service. THEY ARE THE ABSOLUTE WORST! I got an agent on the phone in XXXX who I had to tell to pause in between words so that I could understand her. Companies like Affirm should be outlawed from outsourcing confidential customer financial information to XXXX, or give XXXX customers the option to speak with someone in the XXXX. When I asked to speak with an agent in the XXXX, they would NOT transfer me to another agent in the XXXX. Instead, they transferred me to another agent in XXXX who could barely speak XXXX. I had to resolve a financial issue involving unauthorized transactions on my card, and I needed to speak with someone based in the XXXX who could communicate clearly in XXXX. I am requesting that an investigation be opened into how Affirm handles customers financial data and its overall servicing practices. I believe deficiencies in data protection and customer support processes contribute to the increasing frequency of data breaches and financial theft affecting consumers on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
Experienced scam with Robinhood and Robinhood did nothing to support. Robinhood should be held accountable for doing nothing for consumers. The company should take preventative measures. Even send notifications of scams so customers can be aware. Scam email from XXXX Ethereum transaction Scammer 's phone numbers are XXXX, XXXX, and XXXX Transaction Hash : XXXX Status : Success Block : XXXX XXXX Block Confirmations Timestamp : ( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
SUMMARY : XXXX XXXX erroneously withdrew {$15000.00} from my checking account on XX/XX/XXXX due to their own internal error. XXXX acknowledged this error on XX/XX/XXXX but has failed to return my funds for nearly XXXX month despite repeated requests. As a direct result, I incurred overdraft fees, was forced to liquidate investments, and experienced financial harm due to the loss of use of my funds. DETAILS : XX/XX/XXXX I made a legitimate payment of {$15000.00} to XXXX. My checking account was debited and my XXXX balance was paid. XX/XX/XXXX I identified approximately XXXX fraudulent charges on my XXXX account and reported them. XX/XX/XXXX XXXX correctly credited most fraudulent charges. On the same day, XXXX incorrectly reversed my legitimate {$15000.00} payment as a Security Dispute Adjustment. XX/XX/XXXX XXXX withdrew {$15000.00} from my checking account to pay a balance that existed only because of their error. XX/XX/XXXX I discovered the withdrawal and contacted XXXX. I explained that : My XXXX payment was legitimate My actual balance was {$0.00} The withdrawal was improper XXXX acknowledged the issue and said it would be referred to their fraud department with a response in XXXX hours. No funds were returned. XX/XX/XXXX XX/XX/XXXX Due to the missing funds, my checking account incurred approximately {$1000.00} in overdraft protection transfers and fees. XX/XX/XXXX XXXX re-posted my {$15000.00} payment ( correcting their earlier error ). They also completed fraud adjustments. XXXX XXXX XXXX account showed a credit balance of - {$15000.00}. I requested that this amount be returned to my checking account. XXXX stated this would take XXXX business days, despite the urgency and ongoing financial harm. XX/XX/XXXX I was forced to liquidate {$5000.00} of investments to cover expenses and prevent further overdraft fees. XX/XX/XXXX I again requested transfer of the funds. XXXX agreed but did not clearly communicate any delay. XX/XX/XXXX Funds have still not been returned. XXXX continues to delay based on internal processing timelines despite acknowledging their error nearly a month earlier. HARM : {$15000.00} wrongfully withheld for nearly XXXX month Approximately {$1000.00} in overdraft-related costs Forced liquidation of investments Loss of use of funds ( would have been held in interest-bearing account )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
I am writing regarding an account that was incorrectly sent to collections and is now appearing on my credit report. I have a written agreement allowing lease termination for a total of {$3000.00}. if paid by XX/XX/XXXX, I would also like to follow this up stating I have receipts from XX/XX/XXXX and XX/XX/XXXX totaling {$3000.00} prior to the deadline. I also have supporting medical documentation and the approved lease termination based on this, my account was paid in accordance with the agreed terms and should not have been sent to collections.

Company response to consumer: Closed with explanation