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: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX I attempted to make an online purchase to XXXX for {$210.00}, using my XXXX credit card, and my card was declined. I had sufficient funds on my card so I tried again XXXX more times. I then received an email saying the transaction was flagged as fraudulent, and to either report the card stolen or try the purchase again. I tried the purchase XXXX more times. Every transaction was declined. I called XXXX XXXX customer support number included in the email and spoke to XXXX call center employee, followed by XXXX managers. They all told me they had no authority to override it, nor did XXXX ( the company that issued the card ). They all claimed it's flagged by a third party fraud system, and told me that no one in the company had authority to override, nor did they have any way to contact the fraud company. They suggested I " wait some time and try again '', and if that doesn't work to " use another payment method. '' They also refused to escalate and put me in touch with higher management in their corporate office. I was given no option to authorize the charge, denied access to my funds with no fraud actually occurring and no path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I received a notification on XX/XX/year> from equifax stating i have a new account with LVNV. LVNV is reporting fraudulent inaccurate information on my credit report. I am requesting that they provide the purchase agreement to show full ownership of such account and also other documents so I can see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
To Whom It may concern, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint against Chase for a failure to conduct a reasonable investigation of a reported error under Regulation XXXX ( XXXX XXXX XXXX ). On XX/XX/year>, I disputed a {$280.00} transaction ( Case # XXXX ) for Services Not Received and Merchant Misrepresentation. Summary of Facts : Documented Misappropriation : I provided Chase with an Evidence Exhibit where the merchant, XXXX XXXX, admitted in writing that she failed to purchase the travel protection plan I paid for and instead used my travel funds for her personal rent. Non-Delivery of Service : I provided proof that my name is not on the hotel reservation and I have XXXX legal access to the booking. The merchant admits she can not provide a refund. The merchant, even after confession, still did not provide shared itenerary nor called the hotel to add my name to the booking. Procedural Failure : On XX/XX/XXXX, a Chase XXXX ( XXXX ) stated that my evidence " doesn't matter '' because the payment was sent via Cash App. She confirmed Chase did not review the merchant 's fulfillment of the service, only that the " money was sent. '' The XXXX confirmed that Chase failed to conduct a 'good faith ' or 'reasonable ' investigation into the merchant 's fulfillment as required by law. Industry Inconsistency : Capital One investigated the exact same merchant for the other half of this split transaction and ruled in my favor on XX/XX/year>, based on this identical evidence. Violation of Regulation E : Chase 's refusal to review relevant evidence of merchant fraud because of the third-party platform is a violation of the requirement to investigate reported errors. I request that Chase honor the evidence provided, reverse the pending re-billing of {$280.00}, and finalize this dispute in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
To Whom It may concern, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
To Whom It may concern, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am filing this complaint against Synchrony Bank for improperly retaining and treating an unused payment link as an active balance under a promotional financing arrangement, resulting in billing and collection activity for a transaction that was never completed. In XXXX of XXXX I attempted to pay a merchant securely by creating a Paypal link for special financing ( no interest if paid in full ) for {$270.00} - The merchant never accepted the link therefore the payment should have been refunded to my account. The account activity shows " Refund '' however the balance remained under special financing. After multiple messages, calls, and escalations. I received a letter from Paypal and in XXXX of XXXX they did an adjustment for {$150.00} the adjustment should have been for {$270.00}. Payments I was making for current charges were being applied to the expired payment link. I spent more days and hours speaking to multiple people. After multiple calls and escalations I finally spoke to a rep who stated the back end team would work on this and it would take a few payment cycles to resolve. {$120.00} is the remaining adjustment due. I have been watching my account because I am afraid this is going to go to collections and reflect negatively on my almost perfect credit rating. I notice in XX/XX/XXXX refund of late charges and interest The account then started accruing interest charges and late fees again I am now receiving calls from their collection 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 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX, I was charged {$390.00} by a merchant listed as XXXX XXXX. This transaction resulted from a scam in which I was deceived into authorizing payment under false pretenses. Shortly after legitimately booking a XXXX XXXX flight, I received a phone call from a party impersonating a travel agent affiliated with XXXX XXXX. The caller had detailed knowledge of my booking, including my name, flight details, confirmation number, and the last XXXX digits of my credit card. Based on this information, I reasonably believed the request was legitimate. I was told that an additional payment of {$390.00} was required to finalize the ticket. Relying on this misrepresentation, I authorized the charge and confirmed it via email. No valid airline ticket or service was ever provided. Within a short time, I became suspicious and contacted XXXX XXXX directly. They confirmed that the third party was not affiliated with them and that I had been the victim of a scam. I attempted to resolve the issue with the merchant, but they refused to provide a refund and terminated communication. I reported the issue to Barclays shortly after discovering the fraud. On XX/XX/XXXX, Barclays closed my account due to suspicious activity pending investigation. However, on XX/XX/XXXX, Barclays denied my fraud claim, stating that the transaction was valid because it was authorized. The provisional credit issued during the investigation was reversed. I then pursued the matter as a billing dispute for services not rendered. Barclays acknowledged the dispute on XX/XX/XXXX but ultimately denied it, stating that it was outside the XXXX dispute window. I believe this outcome is incorrect. The transaction was authorized under fraudulent misrepresentation, and no services were rendered. This qualifies as a billing error under the Fair Credit Billing Act. Additionally, the dispute timeframe should reasonably be calculated from when I discovered the fraud, not the transaction date. Despite providing documentation, including email correspondence from the fraudulent party and evidence that no service was delivered, Barclays has declined to reverse the charge.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I attended XXXX XXXX XXXX XXXX I was pressured into returning early from a XXXX leave in XXXX and was unaware that the agency was overly pushing student loans that were not needed to cover the attendance and costs and that the degree I was earning was not supported by the XXXX XXXX XXXX XXXX XXXX. The school had me on XXXX leave for several years citing I was treating a XXXX and then I learned the school lost accreditation and closed. In XXXX I received notice my loans would be automatically cancelled/forgiven and XXXX of them were, but not all of the ones I was told would be. To this day I am seeing loans that originate from navient that were intended for XXXX XXXX some of which appear to be connected to years I wasnt even in classes. I have been told more than once this was an error and would be removed but when I refinanced/consolidated my loans these were put back into the balance. I need help any loans from argosy were already forgiven and need to be removed from my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
We had a system wide hack of our computers at our residence. There were fraudulent charges, transactions and wires initiated. This began on XX/XX/year>. We became aware of the fraud initially through XXXX alerts regarding charges on our credit cards- all XXXX of them with XXXX. Then, quickly there was a domino effect. We were getting notified of various checking/savings/investment accounts that were compromised. My PayPal account was hacked and numerous fraudulent transactions were posting including crypto which I have NEVER had a crypto account anywhere and transactions to my husband which also never happened previously. We notified PayPal immediately ( within XXXX hours ) of the fraudulent activity. They said they would review it. Quickly, we got a standard notification that the activity looked normal to them. What?? Everything up until XX/XX/XXXX are valid transactions through PayPal. Starting with XX/XX/XXXX, every transaction since is fraudulent. I have called PayPal XXXX times over the past XXXX weeks begging to speak with a supervisor. On XX/XX/XXXX, I called again at XXXX am central time and spoke with XXXX. Insisted to speak with a supervisor. She said she would have XXXX call me back. I have not received any phone calls from PayPal nor have they credited my account. We have filed an FBI report on this fraud. It has been documented numerous ways. I am at my wits end. I had asked PayPal to lock my account down. It is still open. This entire fiasco is such a violation of Reg. E.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have made transactions of {$500.00} by XXXX and {$2100.00} by Wire Transfers to XXXX XXXX XXXX to buy XXXX XXXX XXXX XXXX XXXX ). He was responsive an hour after I made the payments, but at XXXX XXXX XXXX XXXX XXXXXX/XX/year>, he didnt answer my messages anymore. I found him on XXXX and he was a XXXX XXXX there. While I was making the transfer, he called me and kept saying that Im safe since this is a bank to bank transaction, so I believed that. I have reported this and filed a claim to my bank, however for the XXXX payment they said that since I authorized this transaction, they are unable to do a reverse and closed the claim. I had the phone call recordings, the scammers bank information, and all the messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: IL

Complaint narrative:
My vehicle was declared a total loss in XXXX, and XXXX XXXX requested a payoff amount from Westlake Financial at that time. Westlake delayed providing the payoff information for XXXX days, which in turn delayed the gap insurance payout and extended the loan obligation by approximately XXXX additional months. During this period, I made XXXX phone calls and sent XXXX emails seeking updates and clarification. Despite these repeated efforts, I received inconsistent and misleading information, and my written requests for additional details went unanswered. This delay and lack of communication resulted in unnecessary financial impact and prolonged resolution of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Glow Financial Services Inc.
State: NJ

Complaint narrative:
XX/XX/year> - Made a in store purchase at XXXX XXXX for a device at XXXX $ from a deal displayed in store and online and receive a loan agreement from Glow Financial instead. I did not request a loan, I had the funds to pay for the device in full at XXXX $ and the receive an loan agreement to pay off XXXX $ instead which I was unaware of until after the transaction, I inform the store rep throughout the process that it was my intentions to buy the device in full. Later reach out to XXXX XXXX & Glow Financial for assistance but did not receive much help due to the lack of resolve options. Looking to cancel the loan and hoping redo the transaction to pay amount advertised.

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: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX One Main Financial took money out of my bank account ending in XXXX without consent/authorization. They ( One Main Financial ) scheduled another payment to be taken out on XX/XX/XXXX. None of these transactions are authorized. XXXX the XXXX XXXXXXXX sent me a text & a voice mail to call to authorize. I never did. He took out {$230.00} on XX/XX/XXXX & scheduled that same dollar amount to be taken out on XX/XX/XXXX. I contacted my bank & told them to put a stop to this. They charged me {$35.00} to do that. I'm also contacted a fraud attorney as well.

Company response to consumer: Closed with explanation