vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 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: Block, Inc.
State: PA

Complaint narrative:
Cash App staff is in volation fir allowing scammers outside of America to still from American Consumers! Id called and emailed them trying to get my money back but was told that we can not trace them and you just lost your funds. Id presented the staff with the name and email along with other information of that individual but they chosen not to pursue the scammer. When trying to solved this problem, i was passed around to differemt members and lastly, passed to a robot which made this situation worsen. I have this case still in my CASH APP ACCOUNT.... TO MUCH TO POST Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Santander is violating the Fair Credit Reporting Act ( FCRA ) by 're-aging ' this debt. They are reporting a new 'Charge Off ' every month in XXXX for a default that occurred in XXXX. Additionally, their numbers are inconsistent : they claim a {$19000.00} write-off yet still show an active balance of {$13000.00}. I demand that they stop all monthly updates and report a {$0.00} balance in accordance with the settlement guidelines. The vehicle was repossessed on XX/XX/XXXX. Despite this, Santander continues to report the account as 'Past Due ' and 'Open ' instead of 'Closed - Repossession. ' This constitutes a deceptive reporting practice intended to artificially inflate the impact of the delinquency. I insist that the account be marked as 'Closed ' and that the balance be adjusted to reflect the auction proceeds or waived entirely, as per the multistate settlement regarding unaffordable loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
I am writing to formally dispute this account, as I do not recognize it and did not open it. This account is not mine, and I did not authorize anyone to open or use it on my behalf. I believe this may be the result of fraudulent activity or identity theft. I am requesting that this account be investigated immediately and removed from my records. Please provide me with any documentation related to the opening of this account, including the application and any identifying information used. I also request written confirmation once this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: IL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX denial of my claim for an unauthorized credit card transaction in the amount of {$3000.00} on XX/XX/2025. I did not authorize a {$3000.00} transaction. I was the victim of a fraud in which individuals represented that they were collecting a small charitable donation. I agreed to a limited donation ( {$20.00} ) and briefly provided my card and phone for that purpose only. The {$3000.00} transaction significantly exceeded the scope of my consent and was induced by misrepresentation. XXXX denied my claim on the basis that this was a " scam '' rather than a fraud, citing that the transaction was card-present and authenticated via SMS. This justification was communicated to me over the phone by the Company 's Customer Protection Services team. The Company 's explanation improperly equates authentication with authorization. Any verification that occurred was obtained under false pretenses and does not constitute knowing authorization of a {$3000.00} charge. I called XXXX Customer Services to report the fraud immediately after identifying the unauthorized charge and took prompt steps to secure my account, including cancelling my card. Despite my reporting and cooperation, XXXX ultimately upheld the charge and denied both my claim and subsequent appeal. I then submitted a formal written billing error notice under the Fair Credit Billing Act ( 15 U.S.S. Section 1666 ), asserting that this charge constitutes unauthorized use under 15 U.S.C. Section 1643. XXXX declined to reopen the investigation, stating that no additional information was provided. Notably, during the same incident, the perpetrators also attempted a similar high-value charge ( {$5000.00} ) on my XXXX XXXX card , which was flagged and blocked as fraudulent. This reflects a pattern of deceptive conduct, not an authorized transaction. I have filed a police report with the XXXX Police Department regarding this incident. The report number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Subject : Complaint Against Auto Lender for Misrepresentation and Unfair Loan Practices I am filing a formal complaint regarding my auto loan with XXXX XXXX XXXX. In XX/XX/XXXX, I entered into a retail installment contract for a used XXXX XXXX XXXX. The loan terms included an extremely high interest rate of approximately 25.86 %, resulting in a total repayment amount of over {$52000.00} for a vehicle that was significantly lower in value. Recently, the vehicle experienced a major mechanical failure ( engine failure ), rendering it inoperable. Despite this, I remain responsible for the full loan balance. In an effort to resolve this matter, I contacted the lender to negotiate a settlement and was offered a payoff of approximately {$1000.00} to prevent repossession and close the account. However, when I attempted to follow through on this agreement, I was later told that I owed approximately {$19000.00} instead. This conflicting information is misleading and has caused significant financial and emotional distress. I believe this may constitute unfair or deceptive practices. Additionally, I feel that I was placed into a predatory loan with excessive interest and terms that were not reasonably aligned with the value of the vehicle. I am requesting : A full investigation into the handling of my account Written verification of any settlement offers made Consideration of a reduced payoff or settlement due to the vehicles condition and depreciation Protection from unfair credit reporting or repossession actions while this dispute is under review I am seeking a fair resolution and accountability for these actions. Sincerely, 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 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I am disputing inaccurate credit reporting by XXXX XXXX. Service was never activated and the equipment was returned unused. XXXX previously confirmed I was not responsible for these charges. I requested validation of this account, including a signed contract, proof of service activation, and billing records, but no documentation has been provided. Despite this, the account continues to be reported and was marked as verified without proper investigation. This is inaccurate and a violation of the Fair Credit Reporting Act. I am requesting a full investigation and removal of this account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/year>, I manually made a credit card payment of {$3500.00} because I forgot autopay was already enabled on my account. As a result, two payments of the same amount were initiated, including one through autopay. After realizing the duplicate payment, I contacted the bank and canceled one of the two payments. After that, my account appears to have been miscalculated. I later saw that my statement balance was being treated as {$3600.00} instead of {$3500.00}, even though both my manual payment and autopay were for {$3500.00}. This does not make logical sense. If my actual statement balance had been {$3600.00}, there would be no reason for me to intentionally underpay by exactly {$100.00}, and autopay also would not have paid only {$3500.00}. The autopay amount strongly indicates that the statement balance at that time was {$3500.00}. Because of this apparent system error after the cancellation of the duplicate payment, I was charged interest that I do not believe I owe. Additionally, this error caused my XXXX billing cycle to show a {$0.00} statement balance, which prevented my autopay from triggering at the end of XXXX. This further confirms that my account was in an incorrect state due to this issue. I am also concerned that additional interest may continue into the next billing cycle. I spoke with multiple agents, and at least two of them acknowledged that this appears to be a system error. I would also like to add that I have already received a response from the company regarding this issue. They concluded that there was no error and stated that I did not pay the full statement balance of {$3600.00}, and therefore I was correctly charged interest. I strongly disagree with this conclusion. As explained above, both my manual payment and autopay were for {$3500.00}, which clearly indicates that this was the actual statement balance at the time. There is no logical or system-based explanation for why both payments would be exactly {$100.00} less if the true balance had been {$3600.00}. Additionally, I have since raised this issue again and the case is currently under further review. However, the incorrect interest charges remain on my account, and I am concerned that additional interest may continue to accrue while this is being reviewed. Because of the conflicting responses and the ongoing financial impact, I am requesting a formal review and correction of this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing a collection account reported by Portfolio Recovery Associates that I do not recognize. I have never received any notice or mail regarding this debt, and the account information on my credit report appears incomplete. The account type is listed as and the original creditor is not properly identified. Because I do not recognize this account and have not been properly notified, I am requesting full validation of this debt, including the name of the original creditor, account statements, and proof that I am legally responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: NC

Complaint narrative:
Voicemail on XX/XX/year> with implied legal action, voicemail on XX/XX/year> with implied threat/pressure, I made payment arrangements in XXXX of last year, I began having health issues and could no longer pay the agreed upon amount, the company refused to work with me on the payment, calls are multiple times a day ... I've asked for documentaiton of the debt and they have refused to provide the information.

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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for their unreasonable and ongoing failure to credit a refund of XXXX XRP that was sent to my XXXX XXXX wallet on XX/XX/XXXX, issued by another Cryptocurrency Exchange ( XXXX ). Key Facts and Timeline : On XX/XX/XXXX, XXXX refunded XXXX XXXX to my XXXX XXXX wallet, but it was not credited to my XXXX XXXX Wallet. XXXX repeatedly instructed me to have XXXX send direct confirmation emails to XXXX with my email address in the CC field in order to complete the refund process. I fully complied. XXXX Support sent two official confirmation emails directly to XXXX as requested : XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( resent after XXXX claimed they could not locate the first email ). On the same day ( XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX again responded that they are unable to locate any emails from XXXX on this matter.XXXX Both emails have the subject : Confirmation of Refund Processing Ticket ID XXXX / XXXX, clearly show XXXX as the main recipient, are CCd to me, and contain full transaction details plus references to XXXX own tickets. I have followed every single instruction XXXX provided for over four months. The funds remain uncredited with no valid explanation. Supporting Documents Attached I have uploaded the following complete records : Email conversations with XXXX ( 26 pages ) Email conversations with XXXX ( 8 pages ) XXXX First Email to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Second Email to XXXX XXXX XXXX XXXX XXXX XXXX These files contain the full email chain, XXXX ticket numbers ( XXXX, XXXX, XXXX ), and the two XXXX confirmation emails showing clear delivery to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: IL

Complaint narrative:
Requested letter reviewing settlement options and they advised they do not provide letters revealing settlement information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/XXXX I used an ATM at XXXX XXXXXXXX XXXX to withdraw XXXX. The arm malfunctioned and stated my funds transaction would be disbursed. I notified the security of the atm and they told me to speak with a cage XXXX. From there I was give a burned to call atm company named XXXX - XXXX. They told me to speak with my bank. I called my back and they said file a dispute. I said asked should I wait because it stated it would be reversed. They agreed. After about XXXX hr no movement I called back and they stated it reflected as the transaction as being reversed just wait a few hrs. I waited and nothing happened so I called the next day once the payment posted and disputed. They sent me an email on XX/XX/XXXX saying my dispute was denied an th merchant provided documents that I benefited from this transaction. I asked to be provided with more documents. As I never received those funds and atms track money. Please help here as the economy is already rough and we need our funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I couldn't afford the payment so I XXXX XXXX XXXX and I got No info on how much they got. for it or give me paperwork on it, and I am not sure on the dates And I asked several times to lower the payments but NO Straight answers get Nowheres with one main finianCial And adding extra change

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I attempted to make a purchase through an XXXXXXXX XXXX for {$9.00} and received a text notification from my Robinhood credit card to approve a transaction for that amount. After I approved it, I was charged {$49.00} instead of {$9.00}. Within seconds, XXXX additional charges were made {$99.00} and then {$130.00}. I immediately locked my card and requested new card numbers, as I believe my card information was compromised. Credit card company : Robinhood Credit Card XXXX : XXXX Despite reporting this, the credit card company has denied my request for a refund and has not acknowledged the charges as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check amount XXXX on XX/XX/XXXX. Today I found the amount of money is reversed citing duplicate deposit. I called chase, the customer service told me it is deposited in a XXXX XXXX account that is not under your name I then told them that I tried to deposit this check to XXXX but got returned on XX/XX/XXXX because XXXX does not accept mobile deposit with this large amount. Then they told me it is deposited in discover I asked them to issue me a letter confirming what they said, but they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent a written request to LVNV Funding LLC and Resurgent Capital Services requesting full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). I specifically requested a copy of the original signed agreement, a complete payment history, documentation of the full chain of assignment, the date of first delinquency, and a detailed breakdown of the balance including all fees and interest. On XX/XX/XXXX, the company responded by mailing only a self-generated account summary and a single billing statement. This does not constitute proper validation of a debt. They failed to provide a signed contract, complete payment history, chain of assignment, or sufficient documentation to establish that I am legally obligated to pay this debt or that they have legal authority to collect. Despite failing to properly validate the debt, the company continues to report this account to the credit bureaus with inaccurate and misleading information. The account is being reported as an open account, which is inaccurate for a collection account. Additionally, the date opened is being reported as XX/XX/XXXX, which reflects the date the debt was acquired, not the original account opening date. The documentation they provided shows account activity in XX/XX/XXXX, confirming that this date is misleading. The balance of {$910.00} has not been properly validated or itemized, and no complete payment history has been provided. The company has also failed to provide a verified date of first delinquency, which is required for accurate credit reporting. These actions constitute violations of the FDCPA for failure to properly validate the debt and violations of the Fair Credit Reporting Act ( FCRA ) for reporting inaccurate and misleading information. I am requesting that this account be immediately deleted from all credit reporting agencies due to failure to properly validate the debt and inaccurate reporting. Alternatively, the company must provide full and complete validation including all requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
I am filing a complaint against Fay Servicing regarding what appears to be inaccurate accounting and a lack of transparency in the servicing of my mortgage loan. I missed my XXXX payment but made payments in XXXX and XXXX. I have been informed that no payments are currently held in a suspense account. However, I am now being told I owe approximately {$16000.00} to bring my loan current, which does not align with my monthly payment amount of {$1300.00} or the number of payments I have missed. Despite multiple attempts, I have not been provided with a clear, itemized explanation of how this {$16000.00} amount was calculated. I have specifically requested clarification on how my XXXX and XXXX payments were applied, but have not received a detailed accounting. I am requesting : * A complete payment history ledger showing all transactions and how payments were applied * A full itemized reinstatement quote, including all fees, charges, and advances * A clear explanation of how my XXXX and XXXX payments impacted my loan balance and delinquency status At this time, I am formally disputing the amount being claimed. The lack of transparency and the discrepancy between the amount owed and my payment history raises serious concerns about potential errors, misapplied payments, or improper fees. I request a full investigation into this matter and correction of any inaccuracies immediately.

Company response to consumer: Closed with explanation