vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: NC

Complaint narrative:
This dispute arises from a XXXX XXXX of a XXXX XXXX XXXX ( Reservation # XXXX ) that ended on XX/XX/XXXX. During the rental period, I permitted a third party to use the vehicle. On XX/XX/XXXX, the vehicle was not returned as required. On that same date, I revoked permission for the third party to use the vehicle and reported the vehicle as stolen to law enforcement. Law enforcement contacted the host, who declined to prosecute and instead chose to recover the vehicle independently. Because the vehicle was reported stolen on XX/XX/XXXX, I did not have possession, control, or authorization over the vehicle at any time after that date. I did not authorize any continued use of the vehicle after XX/XX/XXXX. Despite this, XXXX charged me for additional usage, refueling, and improper return for time after XX/XX/XXXX. I dispute these charges because they are based on time when the vehicle was reported stolen and not in my possession or control. From XXXX through XX/XX/XXXX, I repeatedly disputed these charges with XXXX and requested documentation supporting the charges, including proof of liability and itemization, particularly in light of the vehicle being reported stolen. The issue was not resolved. On XX/XX/XXXX, the account was referred to FCR XXXX for collection in the amount of approximately {$2000.00}. In late XX/XX/XXXX, I initiated arbitration with the XXXX XXXX XXXX under Case No. XXXX in good faith. The arbitration was administratively closed due to non-payment of the filing fee. I was unable to proceed due to cost, and no accommodation or assistance was provided to allow the arbitration to move forward. No decision was made on the merits. On XX/XX/XXXX, I received a validation notice from the collection agency and submitted a written dispute, including a supplemental dispute challenging insufficient validation. Despite the debt being disputed, collection efforts are ongoing. The alleged balance remains disputed and has not been properly adjudicated or validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Collection XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Communication Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ) To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to demand that you cease all communication with me regarding the alleged debt referenced in your records. You are hereby instructed to immediately stop all forms of communication with me, including but not limited to phone calls, emails, text messages, and written correspondence, except as permitted by law. Under the FDCPA, you may only contact me further to : 1. Advise that your collection efforts are being terminated ; 2. Notify me that you may invoke specific remedies ordinarily available to you ; or 3. Notify me that you intend to invoke a specific remedy. Be advised that any further communication outside of these exceptions will be considered a violation of federal law. I will document all such violations and may pursue legal remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, if you believe this debt is valid and enforceable, you are required to comply with all applicable provisions of the FDCPA and any other relevant laws. This notice is not an acknowledgment of any debt, nor does it constitute a refusal to pay. It is a demand for you to cease communication in accordance with federal law. Please confirm in writing that you have received this request and that you will comply. Sincerely, 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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Opened a capital one account. Got two current deposits and it was later closed. Lost my id so I couldnt verify. Finally got my id and everything went through, called my job and they confirmed the deposits. Still can access money because they cant verify my phone number, but my phone line is disconnected because I havent been able to pay the bill due to my account being restricted. But everything is went through perfectly fine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I sent a certified physical letter requesting validation of said debt, and I requested step by step all the documents I need to verify and validate this alleged debt. I further stipulated that if they fail to provide each and every XXXX of these documents, they must proceed to remove said debt from my credit report across all credit reporting agencies. However, I have not received any response, and the debt continues to appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
My sons Cash App account was hacked, and {$320.00} was stolen from his account on XX/XX/XXXX. We reported and disputed the unauthorized transaction on XX/XX/XXXX. Since filing the dispute, we have received little to no updates from Cash App regarding the investigation or refund. We are requesting a full review of the unauthorized transaction and reimbursement of the stolen funds due to the account being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: INDEPENDENCE HOME LOANS LLC
State: HI

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX I received a call from XXXX XXXX XXXX XXXX XXXXXXXX claiming to be a mortgage broker XXXX XXXX XXXX checking if I wanted to get an equity loan. I got curious and told him that the address he had was my old home in XXXX, sold XXXX years ago, and I gave him my new address in XXXX as well as a rough idea of mortgage balance and cash need. He then transferred me to another line with independence mortgage and a man called XXXX XXXX ( like the XXXX ) started plugging my information in his system. All of a sudden I didnt hear him anymore. I ended up hanging up. I called that number again, but it only rings once and then the call drops.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Transunion, This letter serves as a formal notice and demand for the immediate blocking and removal of fraudulent accounts appearing on my credit report pursuant to the Fair Credit Reporting Act, 15 U.S. Code 1681c-2. These accounts are the result of identity theft and are not mine. Accounts to be blocked and removed : 1. XXXX XXXX XXXX Opened XX/XX/year> Balance {$840.00} 2. XXXX XXXX XXXX XXXX XXXX Opened XX/XX/year> Balance {$630.00} 3. XXXX XXXX XXXX XXXX XXXX Opened XX/XX/year> Balance {$530.00} 4. XXXX XXXX Opened XX/XX/year> Balance {$420.00} I have enclosed my identity theft report, affidavit, and proof of identity as required by law. Under 15 U.S. Code 1681c-2, you are required to block this information within 4 business days of receipt.

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 2026-04-23 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: MOHELA
State: WA

Complaint narrative:
My payment was increased with no notice to me by almost XXXX dollars. I only saw when I logged in. I checked all of my information and there was no message relayed about the change.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-23 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am filing a complaint regarding XXXX XXXX denial of my fraud claim for three unauthorized credit card charges totaling {$350.00} from an online automotive parts retailer. All three transactions occurred and were posted on XX/XX/year>, according to Wells Fargos own records in their mobile app. I discovered these charges the morning of XX/XX/year>, and immediately contacted Wells Fargo at approximately XXXX XXXX to report the fraud and cancel my card before leaving for work. I reported these charges as fraudulent because I did not make or authorize these purchases, did not receive any goods, and no one in my household authorized the transactions. Despite my prompt reporting, Wells Fargo denied my claim, stating that the transactions were associated with an IP address. An IP address alone does not constitute proof of authorization. IP addresses can be shared, reassigned, or masked through VPNs and do not reliably identify a specific individual. Wells Fargo has not provided any evidence demonstrating that I personally authorized these transactions. Specifically, Wells Fargo has failed to provide : - Proof of delivery to my address - A signed receipt or evidence of card-present use - Verified device or account login data clearly tied to me- Any documentation showing I benefited from these purchases I am requesting that Wells Fargo provide all documentation and evidence relied upon in their investigation, including IP data, timestamps, device information, and any merchant verification details. Under the Fair Credit Billing Act, I am not liable for unauthorized charges. Wells Fargos reliance on insufficient technical data, without proof of authorization, does not meet the standard required to hold me responsible. I am requesting : 1. Immediate reversal of the {$350.00} in fraudulent charges 2. Reimbursement of any associated fees or interest 3. A full explanation and documentation of the investigation conducted If this matter is not resolved promptly, I am prepared to pursue further remedies, including filing a claim in small claims court. Desired Resolution : Refund Amount in dispute : {$350.00}

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Finance Company, Inc.
State: NC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP ] [ Date ] Consumer Financial Protection Bureau RE : Complaint Against NFC Loans Improper Use of Vehicle as Collateral To Whom It May Concern, I am submitting a formal complaint against NFC Loans regarding a loan that was secured using my vehicle as collateral without my full understanding or consent. At the time I was approved for the loan, I was told that my vehicle would automatically be used as collateral. I did not request this and clearly stated that I did not want my car used as collateral. Despite my objection, NFC Loans proceeded with the loan and included my vehicle as collateral anyway. I receive XXXX benefits and did not fully understand that my vehicle was being placed at risk. The terms were not clearly explained to me, and I was not given a meaningful opportunity to decline the collateral requirement before signing. I believe this situation involves unfair, deceptive, and potentially predatory lending practices. I feel that my concerns were ignored and that I was not properly informed of the consequences of this agreement. I am requesting the following : - Removal of my vehicle as collateral from this loan - A full review of how this loan was processed - Any corrective action necessary to address this issue I am asking the Consumer Financial Protection Bureau to investigate this matter and require a formal response from NFC Loans. Sincerely, [ Your Name ] [ Phone Number ] [ Email Address ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio XXXX willfully dismissed garnishment only to start collecting it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
TO : Consumer Financial Protection Bureau RE : Formal Complaint against Capital One Bank DATE : XX/XX/XXXX Subject : URGENT : Three-Year Unresolved Withholding of Funds ( {$14000.00} ) Personal Hardship/Student Impact To whom it may concern, I am filing this formal complaint against Capital One Bank regarding the mishandling and disappearance of {$14000.00} from my account ( Ending in XXXX ). This issue has persisted since XX/XX/XXXX, causing me extreme financial struggle and severely impacting my ability to continue my studies. The Facts of the Case : Origin of Funds : In XX/XX/XXXX, a wire transfer of {$14000.00} was initiated to XXXX. Capital One immediately froze my account and placed the funds on hold. Lack of Communication : Despite my written formal complaint to Capital Ones headquarters in XXXX, VA, on XX/XX/XXXX, the bank failed to provide any explanation for the hold or the status of my money. The Unexplained Withdrawal : My bank statement for XXXX XXXX XXXX shows that on XX/XX/XXXX, a " Withdrawal '' of {$14000.00} was debited from my account. This reduced my balance to {$96.00}. Missing Funds : I never authorized this withdrawal, I never received a check for this amount, and the sender ( my friends business account ) has confirmed the funds were never returned to the originating bank. The Impact : It has now been nearly three years since these funds were first frozen. This money was intended to support my education and living expenses and investing. Because Capital One has effectively removed these funds without providing a check or a transfer receipt, I have faced significant academic and personal hardship. I have struggled to pay for my studies and basic necessities while the bank remains silent on the location of my money. Desired Resolution : I demand that Capital One provide : The Disposition of Funds : A clear, written explanation and proof of where the {$14000.00} went on XX/XX/XXXX. Proof of Payment : If a check was issued, I require the check number, the date it was mailed, the address it was sent to, and confirmation of whether it was cashed. Immediate Release of Funds : The immediate return of my {$14000.00} plus any accrued interest. I am attaching my XX/XX/XXXX bank statement and my previous correspondence with the bank as evidence of their negligence. I request the CFPBs urgent intervention in this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am filing this complaint against Barclays for a failure to properly investigate the XXXX XXXX breach of contract and deceptive trade practices under XXXX Reason Code XXXX ( Merchandise Not as Described ). I purchased XXXX from XXXX XXXX whose policy states a California return address and prepaid shipping for defective goods. The item arrived defective. In good faith, I agreed to a replacement. The replacement was also defective. Under XXXX rules, a failed replacement constitutes a failed remedy, entitling the consumer to a full refund. XXXX XXXX is demanding an international return to XXXX, contradicting their official California policy. Furthermore, XXXX XXXX shipped the second defective item from New York, proving they have domestic logistics but are using an international shipping requirement as an 'unreasonable hurdle ' to prevent a refund. Barclays closed my dispute based on 'Proof of Delivery. ' I am not disputing delivery ; I am disputing that the items are defective and XXXX XXXX is refusing to honor their written return policy. Barclays has ignored the evidence of the second defect and the NY shipping origin. Barclays violated the " Unreasonable Hurdle '' rule by allowing XXXX XXXX to demand an international return when a domestic one was promised. When I attempted to resolve this, a Barclays supervisor hung up the phone after stating the case was closed, refusing to consider the new evidence of the second defective item.

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 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Meadowbrook Financial Mortgage Bankers Corp.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my experience during a home purchase transaction in New York. During the transaction, I was repeatedly encouraged and pressured to obtain financing through lenders recommended by the real estate agent involved. I was discouraged from pursuing alternative financing options. At one point, the agent offered to provide funds from their commission as an incentive for me to proceed with a lender they recommended. I understood this offer to be contingent upon using that specific lender ( Meadowbrook Financial Mortgage Bankers Corp ) Additionally, I was instructed to pay {$3500.00} to a title company affiliated with the agent. The receipt I received indicated that the payment was for title searches. However, this charge did not appear on the title bill reviewed by my attorney. I was not informed that the title company was affiliated with the agent, nor was I advised that I had the right to choose my own settlement service provider. After concerns were raised, the full amount of {$3500.00} was refunded. Given these circumstances, I am concerned about potential improper steering, financial inducement, and undisclosed affiliated business arrangements in connection with mortgage and settlement services. I respectfully request that this matter be reviewed and investigated. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX XXXX. This account is being reported with a repossession status and a balance that I dispute as inaccurate. The information being furnished is inconsistent across credit reporting agencies and continues to be updated despite prior disputes. I previously disputed this account and requested validation, including a complete payment history, the original contract, and documentation proving the companys authority to report and collect on this account. The company failed to provide sufficient documentation to verify the accuracy of the information being reported. Despite being placed on notice, XXXX XXXX XXXX XXXX XXXX report this account without properly validating the debt or correcting inaccuracies. This constitutes a failure to conduct a reasonable investigation and to ensure maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ). Additionally, the continued reporting of disputed and unverified information is causing ongoing harm to my credit profile. I am requesting that this matter be properly investigated and resolved in compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXXI request that capital one remove that credit card someone used my information without my consent'

Company response to consumer: Closed with explanation