vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding misleading instructions related to a trip protection benefit provided with my Capital One credit card. 
When I contacted the claims administrator about my damaged luggage, I was explicitly instructed that I must obtain written confirmation from the airline stating that they would not provide compensation in order for my claim to be reviewed.

I relied on this instruction and obtained the requested confirmation from the airline. After submitting it, my claim was denied solely because the airline denied compensation, citing a policy exclusion that was never disclosed to me at the time I was instructed to obtain this document. 
Had I been informed that obtaining an airline denial would automatically void my coverage, I would not have followed that instruction. I acted in good faith based on the guidance provided through Capital Ones card benefit process, and that guidance directly caused my claim to become ineligible.

While the claim administrator is a third-party insurer, this benefit is offered as part of my Capital One credit card. I am requesting Capital Ones review of this matter and a fair resolution, including consideration of a goodwill credit, due to the misleading and non-transparent instructions provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am having Synchrony Bank credit card ending in XXXX for XXXX. It seems there is a nexus going on here that Synchrony Bank created this card in such a way that no dispute can be created against XXXX. 

Recently there is a dispute of {$54.00} being filed on this card. Then there is an email came to upload the document. When trying to chat - there is no human being out there. When called there is a super annoying bot and then finally an XXXX based customer service rep with fake name XXXX who is saying - no dispute document can be uploaded- it needs to be mailed and they don't provide any mailing envelope with stamps. 

Essentially this Synchrony Bank want to kill the very aspect of dispute- just because it is XXXX credit card.

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 2026-02-09 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
A dispute was opened regarding an XXXX. An XXXX was reserved for 4-5 days. Half of it was used and we had to leave because of a safety issue at the rental. A hotel was reserved and paid for. The receipt for hotel and XXXX show both my name and the dates overlapping. Comenity states I never provided documentation even though it was submitted directly through their website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting resulting from a student loan servicing transfer from XXXX to CRI in late 2025. 

Prior to the servicing transfer, my student loan account was current and enrolled in automatic debit payments with XXXX. I had a consistent history of on-time payments. Following the transfer of servicing rights to CRI, my authorized automatic payment arrangement did not carry over, resulting in a missed payment during the transition period. 

I did not receive adequate or effective notice that automatic payments would be discontinued or that affirmative action was required to re-enroll in autopay in order to avoid delinquency. During this same timeframe, I experienced a significant medical issue involving a XXXX XXXX XXXX XXXX XXXX XXXX XXXX which temporarily limited my ability to keep current with mailed correspondence. 

As a result of these combined circumstances an administrative servicing transfer and temporary medical incapacity a payment was missed unintentionally. Upon becoming aware of the issue, I promptly brought the account current. 

Despite the cause of the missed payment being attributable to a servicing transition error rather than nonpayment intent or financial hardship, CRI reported the delinquency to consumer reporting agencies. This reporting does not accurately or completely reflect my payment history or the circumstances surrounding the servicing transfer. 

I am requesting that the CFPB review this matter and require the servicer to correct or remove the inaccurate late payment reporting associated with this administrative error. I am also requesting confirmation that appropriate corrective action is taken to ensure accurate credit reporting consistent with the Fair Credit Reporting Act. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I send in a letter requesting verification that the account belongs to me. 
XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$560.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$840.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9300.00}

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Deposited {$400.00} into ATM and recived message Saying there was a problem amd your cash has been retained. Please contact your financial institution for assistance. Bank will not give me my money ot an answer. I have proof I deposited the cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Sunbit, Inc.
State: OH

Complaint narrative:
I got Sun it credit card did not know it was pay on line .custy service was new unqualified to XXXX XXXX questions or make any decisions being new customer service stated she would send last statement it took XXXX months to Reciever it and it was ok pay when I received last statement durning that time I received over 40 calls daily over XXXX dollars its like they got new people XXXX  I say everyday same messages over over over until I started recording thier XXXX  XXXX  each day I told them I was recording they got up set problem is I could have paid the bill off if they sent me last bill I do not give my banking over phone its scam they rob your account they were like rude and they ding my credit report for their lack of tranning their employees I Reciever the last bill so they can get the XXXX dollars before they go bankrupt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: FL

Complaint narrative:
Good day. I can not stress enough how frustrating and debilitating this situation is. XXXX day, I woke up to discover a debt that I know nothing aboutan unverified account that simply does not belong to me. I have been subjected to relentless harassment across multiple communication platforms, employing various tactics, including threats of legal action that I never imagined would become part of my daily reality. As a law-abiding citizen, this is deeply insulting, with my consumer rights being blatantly violated. The ordeal is taking a severe toll on my mental health, leaving me with sleepless nights for days on end.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> attempted payment to renew insurance with new XXXX XXXX credit card. Did not go through, called and activated card. Went back to website and went through purchase process again. Later discovered that first attempt was processed after I activated the card automatically, so XXXX payments were made. Started disputed to retrieve the accidental payment. Later saw the company automatically refunded the second payment. I called Chase and said to cancel the dispute. I was told they would. Then later I was notified by the insurance company that Chase had pulled the money from them, so at that time I had XXXX credits to offset the XXXX charges. I called Chase and asked them to return the payment. It shows on my account as a " rebill ''. The insurance company notified me that they had no payment and would not renew my policy. I called the dispute line and they said it could take time. On XXXX XXXX we had a XXXX party call with the merchant to explain the money was sent back to them. As of XXXX XXXX, it still hasn't gotten to them. My insurance wouldn't be active unless they had money for it. On XX/XX/XXXX, I used my Chase Sapphire Reserve credit card to pay. I called the dispute office on XX/XX/XXXX and was told to wait until after XX/XX/XXXX. I called back on XX/XX/XXXX and they said there was nothing I could do. The dispute was resolved because the merchant sent back XXXX of the payments. They said the merchant 's bank has the rebill money and that the merchant has to have an investigation to where the money is. The merchant says they have let their bank know. I don't know why the credit card company can't pull the " rebill '' money back from the bank like they did after I asked them to cancel the dispute. It should never have been taken back. XXXX XXXX taking the money back after I stopped the dispute, then sending the rebill has caused me to be out {$1100.00}. The problem isn't with the insurance company ( merchant ). The problem is with XXXX XXXX credit card not communicating with the merchant 's bank to find where the rebill was sent. The merchant has told me that if the money does come in they will return it to me since I paid on XX/XX/XXXX with a different credit card. There should be no charges left on the XXXX card that haven't been negated by credits when this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Summary of Facts : I dispute a collection account reported by First Financial Services, allegedly for ambulance transportation provided by XXXX XXXX. 
The alleged service was less than XXXX miles away. I do not recall receiving any bills from XXXX XXXX or First Financial Services regarding this charge.

I was never notified of this alleged debt prior to it being reported to credit bureaus. I was not given an opportunity to dispute or verify the debt before it negatively impacted my credit report. 
I sent a dispute to XXXX, requesting verification of the account. Experian responded with a standard boilerplate letter explaining their process but did not provide any evidence that the alleged debt was verified, nor did they specify the method of verification. 
Reporting an unverified or potentially inaccurate debt without prior notice to me constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Massachusetts consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, Bank of America exercised a right of setoff against XXXX of my checking accounts without advance notice.

Bank of America removed {$900.00} from one checking account, leaving a balance of {$100.00}, and {$120.00} from a second checking account, leaving a balance of {$95.00}. The funds taken were my tax refund received not long ago. 

I am unemployed and a single mother caring for a one-year-old child, and these funds were my only means of providing basic necessities. 

On XX/XX/year>, I contacted Bank of America and spoke with a supervisor, who informed me that the setoff was related to a delinquent car loan. I requested a hardship reversal or partial refund, but the request was denied. 

This action left me unable to meet basic living needs for my child. I am requesting a written review of the setoff, a hardship refund ( full or partial ), and a waiver of any overdraft or related fees caused by this action.

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 2026-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My credit card company ( CapitalOne ) promised to resolve the issue of my card " being hacked and charged '' multiple times ( seven times by the way ). It was never resolves and multiple agents tried putting a block on my account and everything. Nothing seemed to work. All the agents told me they would be looking into it and it could take upto 30-90 days for anything to be fixed. They also wanted me to pay for all of the charges that weren't from me even though the agent currently working on my case ( who never gave me my case number by the way ) said not to pay the fees of any kind on the account until the situation was looked into and investigated. Also, the bank tried to call me everyday even when I did give them the original case number, they harassed me by continuing to call to the point I escalated to upper management who did nothing that they agreed to do. They promised to only call when they resolved the issue. I still get calls everyday, every hour, claiming I still owe them over $ XXXX in money that I never spent. I only ever spent {$200.00} that I paid back already but the $ XXXX is from people hacking my credit cards multiple times to the point I was sure they have my account information even though I've changed it - which makes me believes they have my account numbers instead which is a bigger issue. Also due to this whole issue. My credit score has dropped over XXXX points and that has to stop immediately because again that is not my fault and I even tried to tell CapitalOne I'm leaving them and to fix it. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Unauthorized charges were made to my account from a unauthorized merchant. I contacted my financial institute and was given provisional credit back to my account while dispute was being processed to then a few days later be withdrawn from my account again so while waiting on dispute for it occurring. The amount is then removed from my account again for the same amount that was taken when my provisional credit was removed. So not only did I never make or approve transactions but the original funds have been removed twice for appetantly the same charge I have contacted customer support as well as supervisors and account managers wich have all been absolutely no assistance resolving this situation and recovering my funds and am in in desperate need of assistance. The financial instute bank is Sofi

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I asked them to come get the car multiple times and did the process multiple times and they keep sending threatening emails about repossession but Ive already voluntarily surrendered multiple times.

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 when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Subject : CFPB Complaint Unauthorized Electronic Funds Transfer by Goldman Sachs Bank USA ( Apple Card ) I am submitting this complaint against Goldman Sachs Bank USA, issuer of the Apple Card, for processing an unauthorized electronic funds transfer from my bank account in violation of the Electronic Fund Transfer Act and Regulation E. 

On XX/XX/year>, Goldman Sachs Bank USA withdrew {$820.00} from my linked bank account without my authorization. This withdrawal occurred in addition to a separate, authorized payment of {$83.00} related to my enrollment in the Apple Card Payment Plan.

Prior to this transaction, I engaged in a documented Apple Card chat with a Goldman Sachs representative named XXXX. During that conversation, I was explicitly asked whether I could make a {$900.00} payment by XX/XX/year>. I clearly and unequivocally declined in writing, stating : No. If I was able, I would have already made that payment. I did not consent to a {$900.00} payment or any payment beyond the agreed monthly amount of {$83.00}. 

Despite my express refusal, Goldman Sachs Bank USA processed withdrawals totaling {$900.00} by splitting the charge into XXXX debits : {$820.00} and {$83.00}. The {$820.00} debit was not authorized, not approved, and not initiated by me through Apple Wallet, Apple Card, or my bank.

I did not provide written, verbal, or electronic authorization for the {$820.00} transfer. The transaction was executed unilaterally by Goldman Sachs Bank USA after I declined authorization. This constitutes an unauthorized electronic funds transfer under 15 U.S.C. 1693 and Regulation E.

I contacted Apple Card and Goldman Sachs multiple times seeking correction and was given inconsistent responses and no resolution. As a result, I was forced to dispute the transaction through my bank. 

I have attached screenshots of the Apple Card chat transcript demonstrating my refusal to authorize the {$900.00} payment and my consent only to the {$83.00} monthly payment plan. 

I respectfully request that the CFPB investigate this matter and require Goldman Sachs Bank USA to reverse the unauthorized {$820.00} transfer, correct any internal records misrepresenting my consent, and ensure that no adverse credit reporting or further unauthorized debits occur as a result of this incident. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file regarding the account listed as XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The account in question contains multiple material inaccuracies and contradictions.The same account is reported as different account types across credit bureaus, including XXXX XXXX XXXX Credit Card, and Auto Loan, which is factually impossible. 
The date the account was opened is inconsistent ( XX/XX/year> vs. XX/XX/year> ). 
The account simultaneously reflects characteristics of both a credit card and an auto loan, including a 72-month loan term and a {$0.00} credit limit while carrying a balance.

The reported balances are contradictory, showing high balances exceeding {$19000.00} while also reflecting a current balance of {$440.00}. Payment history data is missing or incomplete, yet the account is marked as current. 
The creditor name XXXX is incomplete and does not clearly identify the legal furnisher of the account.

Company response to consumer: Closed with non-monetary relief