vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 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:
I am filing a complaint regarding a Capital One credit card account that I believe was opened and used without my authorization. I have been a Capital One customer for years and currently have multiple legitimate Capital One credit card accounts. At some point, I began receiving text messages about a past-due Capital One account. Because I already had several Capital One credit cards, I mistakenly believed the messages referred to XXXX of my legitimate accounts. As a result, I enrolled the account in automatic payments and made payments for approximately XXXX months. Later, while reviewing each of my Capital One accounts individually, I discovered that this account was not XXXX of the accounts I had opened or used. I never received this credit card, never possessed it, and never made purchases with it. After investigating further, I learned that the card had been mailed to an address where I previously lived. However, I had moved from that address more than XXXX years before this account was opened and therefore could not have received the card there. I reported the matter to Capital One as fraud and explained that my payments were made only because I mistakenly believed the account belonged to XXXX of my legitimate Capital One credit cards. Capital One denied my fraud claim. I am requesting that Capital One : XXXX. Conduct a new and thorough fraud investigation. XXXX. Provide all documents used to open the account, including the original application, method of application, address used, activation records, and any evidence showing that I received or used the card. XXXX. Remove any inaccurate negative credit reporting if the account can not be verified as legitimately opened and used by me. XXXX. Refund any payments made on the account if it is determined that the account was opened fraudulently. I believe I may be the victim of identity theft or account fraud and I am requesting assistance in obtaining a fair review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Imprint Payments, Inc.
State: NY

Complaint narrative:
Imprint took over XXXX credit card accounts from XXXX. While I received communications regarding the transition, I never received the replacement XXXX credit card. When I attempted to report the missing card through Imprints AI chat support system, I was repeatedly asked for the last XXXX digits of the replacement card, which was impossible because the card was never received. I was then directed to " report a problem with a physical card through the website, but no such option existed. As a result, there was effectively no way to report that the replacement card had not been received. I informed Imprints AI chat support that I am hearing impaired and requested a human or written assistance because phone communication is difficult for me. The chatbot appeared to understand my request and even acknowledged my hearing impairment, but instead of providing an accessible written support option or connecting me with a human representative, it directed me to call customer service. When I called, I encountered the same circular process and, after finally reaching an option to transfer to a representative, I remained on hold for over an hour without assistance. After exhausting all available options, I emailed Imprint Customer Support and CEO XXXX XXXX on XX/XX/year>, requesting assistance with the missing card, accessible communication, and escalation of the issue. The only response I received was an automated email directing me back to the same app, website, and phone support channels that had already failed to resolve the problem. As of XX/XX/year>, I have received no substantive response. This situation has left me concerned about account security. Because I never received the replacement card and was unable to effectively report the issue through Imprints support channels, I have no confidence that a lost, misdelivered, or potentially compromised card could be promptly reported and addressed. The inability to reach a representative or report the issue through available channels has undermined my confidence in the companys ability to protect cardholders and respond to potential fraud or account security concerns.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
I submitted a dispute on XX/XX/scrub>, 2026 for a charge occurring on XX/XX/scrub> 2026 due to services not received by the company that charged me the charge of {$860.00}. I had paid this company with XXXX different accounts. XXXX of them gave me a provisional credit until decision was made. The other has not responded in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
company has no permission to report anything using my info pursuant to XXXX XXXX XXXX XXXX U.S.C XXXX section XXXX A Section XXXX : it states a consumer reporting agony can not furnish account without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
I am filing this complaint against GoodLeap LLC regarding deceptive practices and false advertising tied to my solar panel installation by XXXX XXXX The installer used predatory sales tactics and deceptive advertising, promising that the {$34000.00} solar system would entirely wipe out my monthly electric grid bills and pay for itself. In reality, my electric bills remain high, meaning the system 's return on investment was falsely advertised. Furthermore, the financing principal was padded with hidden dealer fees that were not transparently disclosed at signing. I am actively trying to sell my home, but this predatory loan balance is blocking my transaction. Under the FTC Holder Rule, I am seeking a formal settlement and reduction of my payoff balance to reflect the true market value and performance of this system

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: TX

Complaint narrative:
I am writing to file a formal complaint against Plaza Services regarding an account appearing on my credit report under account number XXXX with a balance of {$2900.00}. This account is currently reporting as negative on both XXXX and XXXX and I have absolutely no knowledge of this company or this account whatsoever. I do not recognize this debt and I was never contacted by Plaza Services prior to this account appearing on my credit report, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, which requires that a debt collector notify a consumer in writing within 5 days of their first communication. I am demanding that Plaza Services provide me with documented proof that I authorized my personal information to be shared with their company. I never gave my consent for my personal and financial information to be furnished to Plaza Services, and I am requesting full documentation showing how they obtained my information and under what legal authority they are using it. Furthermore, under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, any entity that obtains a consumer 's credit information must have a permissible purpose for doing so. I am requesting proof of that permissible purpose as well. I am also requesting a complete chain of title showing how this alleged debt was transferred and assigned to Plaza Services, including all original documentation, signed agreements, and account history. Since I have no knowledge of this account and was never properly notified before this hit my credit report, I am demanding that this account be immediately removed from both my Equifax and Transunion credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a Wells Fargo customer for overXX/XX/XXXX years. I maintained an account with a minimum balance for this time. The company suddenly changed the minimum account amount and has charged me nearly {$100.00} in minimum balance fees. I am concerned that Wells Fargo is engaging in theft from its customers in similar circumstances, as they have in the past for many billions of dollars. I would like this investigated on a larger scale to determine what, if any, white-collar crime Wells Fargo is engaging in across a widespread pattern. My research indicates that Wells Fargo 's notice was put in fine print on a XX/XX/XXXXpage of a mailer, a notice which was not meaningful or easy to find or would be anticipated by any consumer. Along with the increase in minimum balance, Wells Fargo also apparently increased its penalties from {$10.00} to {$15.00} at the same time for this minimum balance requirement. This is a clear campaign to extract money from its customers as quickly as possible with as little fair notice as possible. I request : ( XXXX ) Full refund of all monthly service fees charged since the fee increase took effect ( approximately {$100.00} ) ; ( XXXX ) Investigation into whether Wells Fargo 's notice practices for dormant accounts comply with Regulation XXXX and XXXX XXXX standards XXXX ( XXXX ) Confirmation of whether Wells Fargo is systematically applying fee increases to dormant accounts bank-wide, as this would constitute a pattern or practice affecting thousands of consumers, amounting to significant millions of dollars.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Citi checking account ending in XXXX with a {$0.00} balance that I have been trying to close since XX/XX/2026. I am currently traveling internationally and can not visit a branch. I attempted to close the account by phone many times over this period. After completing telephone PIN verification, the automated system states that my account ' can not be serviced over the phone at this time ' and disconnects me. This has persisted from XX/XX/XXXX through today, XX/XX/2026. I also tried Citi 's online chat bot, which only directed me back to the phone line that does not work. There appears to be a restriction on my account preventing phone servicing, and Citi has provided no functioning method to close the account remotely. The account remains subject to monthly maintenance fees even though I have been actively trying to close it since XX/XX/XXXX and the balance is 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 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
My SoFi investment account is frozen I cant see how my stocks are doing or how much money Ive put in. The account froze the day I got paid and put money on the app shortly after the app froze and I cant see how my investments are doing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 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: SC

Complaint narrative:
On XX/XX/year> I was charged {$47.00} on my XXXX card for an XXXX order ( XXXX bed frame ) that I never received. XXXXXXXX XXXX only delivery proof is a carrier scan stating it was " handed to a resident '' no signature, no photo, no GPS confirmation to my address. I filed a dispute on XX/XX/year> ( Case XXXX XXXXXXXX ). XXXX initially resolved it in my favor. On XX/XX/year> without advance notice and without giving me an opportunity to review or respond to XXXXXXXX XXXX evidence XXXX reversed the decision and reapplied the {$47.00} charge. XXXXXXXX XXXX own system shows they attempted to refund my card but it was declined. XXXXXXXX XXXX customer service then formally declined my direct refund request, citing the open bank dispute as the reason. This created a circular trap : XXXX sided with XXXX based on XXXXXXXX XXXX evidence, and XXXX blocked the refund citing the dispute. I followed XXXX XXXX instructions and formally requested a refund by email on XX/XX/year> after the dispute was closed. No refund was issued. XXXX issued a final denial on XX/XX/year> providing no explanation of what evidence was reviewed. I requested a copy of XXXXXXXX XXXX documentation XXXX did not provide it. I have never received the merchandise and have never received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: KY

Complaint narrative:
Tried accessing a old account money was sent to but I still need full access to this account to close out loans and balance and reassure this doesn't happen again

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
BARCLAYS BANK XXXX P.O. XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX BARCLAYS BANK XXXX P.O. XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX This company states that my account is closed ; however, XXXX XXXX Code XXXX stipulates that no company may share personal information with another company or sell my information, as doing so constitutes a violation of my privacy or my identity rights.

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 2026-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I dispute this account reported by ABILITY RECOVERY SERVICES , LLC for {$1600.00}. I have no knowledge of this debt and do not recognize this account. Pursuant to FCRA XXXX XXXX and FDCPA XXXX XXXX, I request verification of ownership and accuracy. If unable to provide competent evidence that this account belongs to me, I request immediate deletion from my credit report.

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 2026-06-01 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: Chime Financial Inc
State: VA

Complaint narrative:
I paid a third-party visa service {$130.00} that posed as XXXX government . No service delivered. Chime denied my dispute. On XX/XX/year>, I paid {$130.00} to a merchant appearing as " XXXX XXXX XXXX '' ( transaction location listed as XXXX, XXXX ) after searching for the XXXX Electronic Travel Authorization. The website presented itself as the official XXXX government site. I received no ETA confirmation email, no application reference, and no service from this merchant. Realizing the site was not official, I applied on the actual XXXX government website 27 minutes later, on XX/XX/year>, and was charged {$28.00} by " XXXX XXXX '' ( XXXX, XXXX ). This amount matches the official XXXX XXXX fee of XXXX ( approximately $ XXXX USD ). On XX/XX/year>, I filed a dispute with my financial institution for the {$130.00} charge. I initially selected " unauthorized transaction '' as the reason. On XX/XX/year>, the institution completed its investigation and denied the claim, stating " no billing error occurred '' and that the amount would remain due. The denial appears to be based on the wrong dispute category. The charge should have been reviewed as " services not received '' and " merchant misrepresentation. '' I paid for a government travel authorization and received nothing, while subsequently paying the correct official fee separately. I am requesting the dispute be reopened under the correct reason codes for non-receipt of services and misleading merchant practices, and that the {$130.00} be refunded. I have supporting documents including both transaction receipts, the official XXXX fee page showing XXXX, and the denial notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 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: ID

Complaint narrative:
I am filing this complaint against Capital One for a material failure to conduct a reasonable investigation under the Fair Credit Billing Act ( FCBA ) regarding Case Number XXXX. The merchant, XXXX XXXX XXXX, misrepresented a firearm offered in an auction, an auction I won, describing a structural stock modification as cosmetic " finish loss '' and hiding a severe safety hazard ( heavy scaling and deep pitting at the breech pressure vessel ). I attempted to resolve the matter with XXXX XXXX XXXX, and XXXX, the e-platform the auction platform on which the auction was conducted. When both avenues proved unproductive, I opened a dispute with Capital One. The disputed charges are {$460.00} for the shotgun and auction fees and {$160.00} for shipping ( separate charges ). Capital One originally committed to a deadline of XX/XX/year>, to receive documentation, but prematurely closed the case on XX/XX/year>. I filed a formal appeal on XX/XX/year>, enclosing a signed " Professional Inspection & Expert Opinion '' from a licensed gunsmith confirming that the firearm is structurally altered, misrepresented, and physically unsafe to discharge. Capital One issued a letter on XX/XX/year>, acknowledging the reopen, but on XX/XX/year>, summarily closed the case again using automated boilerplate text claiming the file " lacks information. '' Capital One 's reviewers are completely ignoring a certified third-party expert report that legally invalidates the merchant 's " as-described '' claim. I am requesting that an executive reviewer examine the attached gunsmith report and permanently reverse this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
On XXXX XXXX I submitted a written counterclaim and dispute to them and in XX/XX/year> I send a certified mail and email to Columbia debt collectors about the {$590.00} they claimed I owe and ask for the verification documents and certified proof for the claim but till now never get any response and they went ahead to report to credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV Funding LLC is reporting a {$120.00} collection on my credit reports, claiming to collect on a XXXX XXXX XXXX account . The original XXXX account also appears separately as a charge-off on my report this is duplicate reporting of the same debt. Furthermore, XXXX is reporting a XXXX opened date when the original date of first delinquency was approximately XXXX, which artificially extends the 7-year reporting window in violation of FCRA 605. I am requesting deletion of this duplicate, inaccurately reported tradeline from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: Summit A*R, Inc.
State: TN

Complaint narrative:
Summit A R is reporting a {$330.00} collection for XXXX XXXX a XXXX on my credit reports. I previously disputed this account and it remains on my file. I believe the investigation consisted only of an automated verification with no meaningful review. The collector has not provided a signed rental agreement or documentation proving the amount owed. I am requesting deletion from all three credit bureaus under FCRA 611.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation