vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 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: Paypal Holdings, Inc
State: AL

Complaint narrative:
I was shopping for an entertainment Center for my home, I have used XXXX in the past to order furniture and I found a good deal on one- so I thought. I placed the order on XX/XX/XXXX and I received a shipping number, that I found out was fake. Turns out, it was a cloned XXXX account and it was EXACTLY like the actual site so no red flags went up. I waited for days to ensure it wasnt real and then I disputed the charge on XX/XX/XXXX and it was marked as resolved in the merchants favor on XX/XX/XXXX. I appealed the case with evidence to support the same day ( XXXX ) I called to follow up on XX/XX/XXXX and talked with XXXX in the card department and he assured me Id have an answer on the morning of XX/XX/XXXX and that was false information. I then called the evening of XX/XX/XXXX and was escalated to a XXXX after XXXX minutes of holding. She then told me it was out of her hands and she had no way of knowing how to get information on where we were in the process. I was just frustrated at this point so I gave up. Then, on XX/XX/XXXX I received an email they have declined my appeal, with no explanation on why. Even after I have provided supporting documentation and proof it was fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Cease and Desist Communication XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/year> LVNV Funding LLC XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX Re : Account To Whom It May Concern, This letter serves as formal notice that I am requesting, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you cease and desist all communication with me immediately regarding the above-referenced account or any alleged debt. 

You are hereby instructed to stop contacting me by any means, including but not limited to phone calls, emails, text messages, letters, or contact through third parties. 

You may only contact me again if : 1. You are providing written confirmation that you will comply with this request, or 2. You are notifying me of specific legal action you intend to take. 

Any further communication outside of these limited exceptions will be documented and may be considered a violation of federal law. 

This letter is not an acknowledgment of any debt, nor is it a promise to pay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Called the end of XXXX after statement closing ( Around XX/XX/year> ) as they lowered my credit limit after making a {$2000.00} payment on the XXXX. They told me it was a random review and had nothing to do with the recent payment. After calling back a few times the beginning of XXXX they credited the payment back, however they did a payment in XXXX and not the XXXX payment. Talked to reps throughout the month of XXXX and XXXX to find out why the minimum payment was now {$2000.00} even with the minimum payments for the month of XXXX being met. I was told by multiple representatives/managers that the system would resolve it and to pay the minimum payment of {$140.00}. I paid it and waited for the following month, and they reported it past due and 30 days delinquent to the credit bureaus. Tried calling and every representative I talked to claimed no one said that even with calls being recorded. This falls on them for stating false information as I did what I was told by multiple representatives. This should be reversed due to Barclays error, not my own. After all that I made a XXXX payment the next month which would have been done if the representatives told me that.

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 2026-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have XXXX {$100.00} American Express gifts cards that I received as a gift, but I am unable to use them at any merchant, because there is not enough information for the merchant to verify the card. I have tried to use the card at a dozen places, with no success. The information they gave said to use my address/zipcode but that was unsuccessful. The card is active and has a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: CITIBANK, N.A.
State: SC

Complaint narrative:
We hired a XXXX to repair our deck and build a gate. Work was not completed. They charged total payment and was paid. We immediately emailed we did not authorize. after much time, photos and explanation, credit card sided with 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 monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Tpls, Inc dba Auto Master
State: FL

Complaint narrative:
To Whom It May Concern : I am filing a formal complaint against Automaster of Florida, located in XXXX, Florida, regarding a defective vehicle sale, refusal to honor repair obligations, and a wrongful repossession carried out in bad faith. The individuals involved include XXXX ( office staff ), XXXX ( manager ), and XXXX ( mechanic/representative ). 

In late XXXX, I purchased a XXXX XXXX from Automaster after being assured that the vehicle had been inspected and repaired. Before purchasing, I had the vehicle diagnosed and was informed it needed engine work. Automaster promised the repairs would be completed before the sale. They did not disclose any engine issues on the AS IS paperwork, and they only repaired the top half of the engine, leaving the underlying problem unresolved. 

When I picked up the vehicle, the check engine light was still on. I contacted Automaster repeatedly5 to 10 timesattempting to get the vehicle repaired. They refused to take the vehicle back in a timely manner. While driving from XXXX to XXXX, the vehicle began smoking, and I barely made it home. I paid out of pocket for a tow truck to return the vehicle to Automaster. 

Automaster then claimed the engine was done and demanded {$5500.00} for a replacement, with {$2500.00} upfront, despite the fact that the engine failure occurred only three months after purchase and after they had supposedly repaired it. I asked if the vehicle could remain on their lot temporarily while I arranged towing. They agreed. 

Despite that agreement, Automaster wrongfully repossessed the vehicle after only four days, even though my payments were not late. The vehicle broke down due to their failure to repair it properly. They then refused to return my license plate, despite knowing I had no transportation and live XXXX miles away. 

I am a XXXX XXXX consumer, and Automasters conduct appears predatory, negligent, and intentionally harmful. Their actions have caused financial loss, emotional distress, and significant hardship. 

I am requesting federal intervention due to Automasters refusal to act in good faith, their deceptive practices, and their wrongful repossession of a vehicle that failed due to their own inadequate repairs. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Would like proof that the debt is mine. I did have an account with them that was zero. Whatever this is is not mine. Also to add my info has been in 3 data breach XXXX Illinois XXXX and Illinois XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I made an appointment with a business banker at the wells fargo branch on XXXX. XXXX. I was greeted by a banker who was not trained as a business banker and not disclose that they were not trained. The banker was confused and suspicious and did not proceed to opening the account. Refusing business. This is a compliance violation. 


Opening a business account without specific training can lead to several types of compliance issues : " Know Your Customer '' ( KYC ) and Anti-Money Laundering ( AML ) Violations : Business accounts have more complex legal structures ( corporations, LLCs, partnerships ) and transaction patterns than personal accounts.

Untrained staff may fail to properly verify business ownership, beneficial owners, or identify suspicious activity, potentially violating the Bank Secrecy Act ( BSA ). 

Internal Policy Breaches : Most banks have specific, mandatory training programs and certification processes for employees handling business accounts to ensure consistency and compliance with internal protocols and regulatory requirements. 

Customer Due Diligence ( CDD ) Failures : Proper CDD for businesses is critical to assess risk correctly. A lack of training could lead to improper risk profiling or incomplete documentation. 

Fair Banking Concerns : Incorrect account opening procedures could also lead to inconsistent treatment of business customers, which might raise fair banking practice issues. Which in this case it has. 

This was discriminatory.

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 2026-01-11 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: Avant Holding Company, Inc.
State: NE

Complaint narrative:
Avant charge to my cc for XXXX from XXXX they. Dont give you any info regarding dispute i dont even know if its filed this card has been dormant since 2022 they canceled my card and thats it said fraud will call you if they need anything. There is no where to file or follow up on dispute like other credit card companies and im not sure how someone could had gotten this card number even

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am disputing a collection account being reported by Portfolio Recovery in connection with XXXX XXXX that is labeled as a Factoring Company Account in the amount of {$990.00}. I did not open, authorize, or agree to any account with XXXX XXXX or with any factoring or debt-purchasing company related to this debt. 

Consumers do not open factoring company accounts. The presence of this account indicates a collection or debt assignment, not an original consumer credit relationship. I have no contractual obligation with any factoring company regarding XXXX XXXX, and I did not authorize the creation or reporting of this account. 

XXXX XXXX has reported this account without providing proper validation, proof of legal assignment, or documentation showing that I am responsible for the alleged debt. Reporting this account as mine is inaccurate and is causing harm to my credit profile. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), XXXX XXXX is required to ensure maximum possible accuracy. I am requesting a full investigation and immediate correction of this inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against National Credit Systems regarding a fraudulent debt of {$2600.00} and an eviction record that were reported under my name without my authorization, consent, or involvement. This account was created when my estranged husband, XXXX XXXX XXXX, and his girlfriend obtained an apartment in XXXX, Georgia using my identity. I did not sign any lease, I did not authorize the use of my information, and I did not reside in this apartment at any time. 

I discovered this fraudulent account only after XXXX XXXX was arrested in XXXX XXXX, which prompted me to review my credit report. I then uncovered the fraudulent lease, the fraudulent eviction, and the debt National Credit Systems is attempting to collect from me. I immediately filed an identity theft affidavit, submitted a police report, and disputed the account with all three major credit bureaus. I also contacted the apartment complex directly, and they confirmed they do not have a valid drivers license or identification for me on file. 

Despite this evidence, National Credit Systems continues to pursue collection and report this fraudulent debt, causing significant damage to my credit history, reputation, and ability to secure housing. Their refusal to remove the account or acknowledge the fraud has forced me to spend extensive time and effort filing reports, gathering documentation, and disputing the matter with multiple agencies. National Credit Systems has ignored my legitimate claims and failed to act in good faith, leaving me no choice but to escalate this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have had a Kohls capital one card and a quicksilver capital one card for a little over a year. Ive never had a late payment on either of the card. I always pay my payment well before the due date and its always three times the amount of what the minimum payment requires. I always pay the account a week or two in advance. When I make my payment, and receive the weve received your payment notice from capital one, I always lock my debit card and checking account to prevent fraud. On a few occasions, Ive received a notice from capital one that my payment was returned. I did contact Chase Bank, which is who I do my banking with and they did advise that it was returned because I locked my card. Ive always been able to resubmit the payment and then leave the account unlocked to allow for the payment to go through. Again, even though a few of the payments in the last year were returned, I still never had a missed payment, always paid well in advance, and always well above the minimum amount due. I have bank statements that can prove money was in the account when the payments were made. CapitalOne takes 3 to 4 days to process the payment and by the time they get around to doing it, my checking account has been locked again to prevent fraud and then Im getting the return payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
We have been attempting to resolve the debt situation, but found that the owner of the debt had sold the debt to another agency that is closed and is no longer in working services so here we are trying to pay for it, but cant and are just trying to navigate how to get the debt paid for but are running in circles and not finding an adequate solution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 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 ), 15 U.S.C. 1692c ( c ). 

You are hereby directed to cease and desist all communication with me regarding the above-referenced alleged debt. This includes, but is not limited to, communication by phone, voicemail, text message, email, postal mail, or through any third party. 

Pursuant to 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the collector to cease further communication, the collector may only communicate to : 1. Advise that further efforts are being terminated ; 2. Notify that specific remedies may be invoked ; or 3. Notify that a specific remedy has been invoked. 

Any communication outside of these limited exceptions will constitute a knowing and willful violation of federal law. Please be advised that I am documenting all communications and will not hesitate to pursue remedies available to me under the FDCPA, including statutory damages, actual damages, and attorneys fees. 

This letter is not an acknowledgment of the debt, nor is it a refusal to pay. It is a demand that you comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America accepted and posted my {$7000.00} check deposit on XX/XX/year> at the XXXX XXXX XXXX. Their receipt disclosed a partial release of funds of {$6400.00} on XX/XX/year>, which did not occur. After the deposit posted and funds appeared available, Bank of America placed a full hold on the deposit, reversing availability without warning. 

As a result, my available balance dropped to {$0.00} and transactions were declined after I reasonably relied on the posted availability. The paying bank ( XXXX Bank ) has confirmed the check was cleared. 


I am requesting immediate release of the disclosed available funds, a written explanation for the reversal of availability, and appropriate goodwill compensation. 

I escalated this issue directly with Bank of America by phone. When I asked customer service for an explanation for why Bank of America reversed the availability of my deposited funds after the check posted and after a disclosed release date had passed, they did not explain why the availability was reversed nor did they give a specific Regulation CC exception. They only gave vague hold language. 
They are giving another date of release on the XXXX even though they cant explain why theyre holding it. 
A supervisor named XXXX created internal claim ID XXXX, but the funds remain on hold and the issue has not been resolved.

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 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I respectfully request the removal of any inaccurate and derogatory information from my credit report. My credit score does not reflect my true financial standing, and I did not authorize my credit to be checked 12 times ; I only consented to two hard inquiries. Despite sending over 30 letters and making numerous phone calls to resolve this issue, I still find myself facing inaccuracies. I truly apologize if my previous messages seemed threatening or aggressive, as that was never my intention. My sole wish is to see the removal of these inaccuracies and hard inquiries, so I can move forward with a fair and accurate credit profile. Thank you for your attention to this important matter.

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 2026-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Synchrony Financial ( issuer of my Amazon Store Card ) has replaced my card four times in the past few months due to fraud alerts. I now believe some of these replacements were caused by a defect in their fraud alert SMS system. 

On XX/XX/XXXX, I received a fraud alert listing three transactions all dated XX/XX/XXXX. One, listed as declined, matched the amount of a declined transaction from that day. The other two approved transactions matched the amounts of purchases I made on XX/XX/XXXX. 

Because the dates in the SMS didn't match my Amazon order history, I nearly reported them as fraudulentwhich appears to be what happened in previous instances. 

The SMS system displays dates that don't match what customers see in their purchase records ( likely authorization dates vs. transaction dates ). This design flaw induces false fraud reports, leading to unnecessary card replacements and the associated inconvenience of updating card numbers with merchants. 

I've contacted Synchrony directly but am filing this complaint to create a record of the systemic issue.

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 2026-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well being. I am aware of my rights under the fair credit report act and I request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Transunion for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner. Please review the inaccurate information being reported.

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