vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 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: FL

Complaint narrative:
On XX/XX/XXXX I was changed XXXX and on XX/XX/XXXX I was charged again XXXX by a company that I have no affiliation with I bought the situation to attention of my credit card company but they claimed that I didnt have any evidence last time I checked I was the consumer what proof am I supposed to provide that I didnt get some type of product or benefit from a company when Im telling my credit card issuer that I didnt not authorized these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX Re : Request for Investigation and Method of Verification To Whom It May Concern, I am writing to dispute inaccurate and unverifiable information currently appearing on my credit report. This letter serves as a formal request for investigation under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The account listed below contains information that I believe to be inaccurate or incomplete : Creditor : Ford Motor Credit Company Account Number : XXXX XXXX I am requesting that you conduct a thorough investigation of this account and verify the accuracy and completeness of the information being reported. Specifically, please provide verification and documentation supporting the following : A copy of the original signed contract or application bearing my signature A complete and accurate payment history from the date the account was opened Verification of the Date of First Delinquency being reported Documentation supporting the balance currently being reported Confirmation that this account is being reported in full compliance with FCRA requirements and XXXX credit reporting standards If you are unable to provide the documentation necessary to verify the accuracy of this account, I request that it be deleted from my credit report in accordance with the Fair Credit Reporting Act. Additionally, if the results of your investigation determine that the account will remain on my report, please provide the Method of Verification used during your investigation, including the name, address, and telephone number of the party who verified the information. Please complete your investigation within the XXXX-day timeframe required by law and provide me with written confirmation of the results along with an updated copy of my credit report. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Authorized User Account Removal Request To Whom It May Concern, I am writing to dispute an account currently appearing on my credit report. Creditor : Best Buy / XXXX Account Number : XXXX XXXXXXXX I was recently added to this account as an authorized user. I did not apply for this account and I am not financially responsible for the debt associated with it. Because I am only listed as an authorized user and did not enter into any contractual agreement for this credit account, I request that this account be removed from my credit report. Please investigate this matter and delete the account from my credit file as I am not legally liable for this obligation. Thank you for your prompt attention to this matter. Sincerely, 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 2026-03-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
The following company charged excessive fees and erroneous fees and charges. All fees was paid in full for the year. This company is embezzling funds and is maliciously place property liens.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
Zwicker & Associates has done nothing but treat me poorly and lie about my complaints. They said that their firm did not prevent me from making payments on my account. I called 3 times to make a payment and did they accept it???? NO! Then YES, their firm did prevent me from making payments on my account. They are trying to break me down with repeated violations of the law. That is what Zwicker & Associates does. They are aggressive, rude and unprofessional. They have absolutely no idea and can not verify if XXXX XXXX called me from a non- company, unrecorded line. They have lied repeatedly in their responses to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
on XX/XX/XXXX, I had paid {$500.00} towards my credit card a week later on XXXX XXXX I had paid an additional {$120.00}. Recently I had looked at my account and they had added a {$900.00} credit to my account that I did not authorize. When I had checked the transaction history, there was no transaction of the {$900.00} and when I had checked my bank statements, it said that I had paid both the {$500.00} and the {$120.00}. I had called the credit company to dispute this and see if there was an error on their end and they had told me that my payments had not gone through even though they were both on the transactions and in my bank statement statements. I previously had issues with the bank giving away my information so I had to call my debit company to verify to pay the {$500.00} and the {$120.00}. Shortly after calling them, I went back to go look at my account to see if they had disputed the {$900.00} charge from them. Only to see that they had completely XXXX my account, unable to access my bank statements, transactions, and balance on the card. I had tried calling the phone number several times that they had given me, but they keep declining my calls or hanging up on me mid sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am filing a complaint regarding an unresolved account takeover issue involving my Capital One credit card account that has remained unresolved for over a year. In 2025, shortly after I was approved for a Capital One XXXX credit card, an unauthorized individual gained access to my account and changed the email address associated with the account. During this time, virtual card numbers connected to the account were used for fraudulent transactions. My Capital One Quicksilver account was not affected. When I contacted Capital One after receiving fraud alerts, I was informed that the email address on the account had been changed by an unauthorized individual. I was told the email address could not be immediately reverted due to internal security restrictions, and the account was frozen while the issue was investigated. Approximately one week later, I was able to regain access to the account, restore my email address, and reset my login credentials. However, shortly after this occurred, the same situation happened again and the email address was changed a second time. Following this second incident, Capital One restricted my ability to access my account through online banking or the mobile application due to security concerns. Since that time, I have been required to call customer service in order to check my balance, review transactions, and make payments. This situation has now continued for approximately one year. When I contact Capital One for updates, I am repeatedly transferred between departments and told that the matter is still under investigation. No permanent resolution has been provided. It is unreasonable to maintain a credit card account for over a year without allowing the customer online access to their account. I am requesting that Capital One close the compromised account, transfer the existing balance to a new account number, and restore normal online and mobile access. I am seeking assistance from the CFPB in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The account listed below was paid pursuant to a XXXX agreement with the reporting company. The company agreed that upon payment, the account would be removed from all consumer reporting agencies. Payment was made as agreed ; however, the account continues to be reported on my credit reports. XXXX XXXX XXXX XXXX XXXX. Since the furnisher agreed that this account would be deleted after payment, the continued reporting does not meet the accuracy requirements mandated by federal law. Therefore, I am requesting the following : Immediate deletion of the account from my credit file. Written confirmation of the results of your investigation. If the furnisher can not verify that the account should still be reported despite the XXXX agreement, the account must be removed in accordance with the Fair Credit Reporting Act. Please complete your investigation within the time period required under 15 U.S.C. 1681i and provide me with an updated copy of my credit report reflecting the correction. Enclosed are copies of supporting documentation including proof of payment and documentation of the XXXX agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
CFPB Complaint Apple Card ( Goldman Sachs ) Complaint description I am filing this complaint against Goldman Sachs Bank USA regarding my Apple Card account. I reported multiple unauthorized transactions on my Apple Card account that I did not make and did not authorize. These transactions occurred between XX/XX/XXXX and XX/XX/XXXX and include charges from several merchants such as XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX. The total amount of the fraudulent charges is approximately {$1400.00}. I reported these transactions promptly through Apple Card customer support as soon as I became aware of them. However, the disputes were never properly resolved. I never received a final written determination explaining the outcome of the investigation as required under the Fair Credit Billing Act. Additionally, despite reporting fraudulent activity on my account, Goldman Sachs did not replace my card or change the account number, which allowed the account to remain exposed to continued unauthorized charges. These transactions remain on my account even though they were reported as unauthorized. I believe Goldman Sachs failed to properly investigate my disputes and failed to comply with its obligations under the Fair Credit Billing Act and Regulation Z. I am requesting that Goldman Sachs reopen the investigation into these unauthorized transactions, remove all fraudulent charges from my account, and ensure that my account is properly secured to prevent further unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I am disputing an alleged debt of {$120.00} from XXXX XXXX, which was sent to First Credit Services for collection. I had a month-to-month membership and was informed I could cancel anytime. After moving to a new location, I contacted XXXX XXXX to cancel my membership, but they refused to process the cancellation, even though I could no longer use the facility. I do not owe this debt. First Credit Services is attempting to collect a debt that is invalid and legally unenforceable. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I requested validation of this debt, including a signed membership agreement, detailed billing history, and proof the agency is authorized to collect it. They have failed to provide any validation, which makes continued collection activity a violation of federal law. I request that all collection activity cease immediately and that this alleged debt be removed from any credit reporting unless proper validation is provided. Continued collection without validation may result in formal complaints, regulatory action, and potential legal remedies. I am submitting this complaint to the CFPB to ensure First Credit Services responds promptly and resolves this matter according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: FL

Complaint narrative:
I reported multiple unauthorized transactions on my credit card account to Barclays. The transactions occurred at several restaurants located in XXXX, a state where I have never traveled and where I was not physically present when the charges were made. After I reported the fraud, Barclays issued a replacement card, indicating that the card had been compromised. However, the bank later sent me a letter dated XX/XX/year> stating that they concluded the transactions were not fraudulent. The letter provides no explanation and no evidence supporting that determination. I have never visited the merchants listed on the transactions, never authorized those purchases, and received no benefit from them. I have now formally requested that Barclays provide the documentation and evidence used in their investigation, including receipts, authorization records, and transaction verification data. Despite this, Barclays is attempting to hold me responsible for these charges and has indicated that the balance may be reported to credit reporting agencies. I believe these charges are fraudulent and that the investigation conducted by the bank was inadequate and unsupported by evidence. I am requesting that Barclays remove the fraudulent charges from my account and provide documentation supporting any determination they claim to have made.

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 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
I am responding to your contact regarding the alleged debt referenced above. This letter is a formal request for validation of the debt pursuant to my rights under the Fair Debt Collection Practices Act. I do not acknowledge this debt and request that you provide your method of validation including time and date. Until you provide the requested validation, please cease all collection activity and reporting to credit reporting agencies regarding this account. If you can not provide the requested documentation, I request that this account be removed from all credit reporting agencies immediately. All future communication regarding this matter must be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was a victim of credit card fraud. someone stolen my credit card and used it without my permission. I reported the fraud to capital one already. they need to report the correct amount owed without the amount to the credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Ive sent debt validation letters, collection dispute letters and explanations letters where the identity theft came from ( XXXX equifax breach is just one example ) to the company and the three bureaus and havent gotten a response

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 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Regarding : XXXX XXXX XXXX Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL Date of Birth : XX/XX/year> Complaint : I am filing this complaint regarding XXXX XXXX XXXX and their reporting and collection practices related to an alleged debt originally from Comenity Capital Bank. XXXX XXXX XXXX is reporting a collection account on my credit report with a balance of {$510.00}. I dispute the validity and accuracy of this account. In addition, the information associated with this account contains incorrect identifying information. My legal name is XXXX XXXX, not XXXX. Reporting and attempting to collect a debt under an incorrect name raises serious concerns about the accuracy of this account and whether it actually belongs to me. Despite my concerns, XXXX XXXX XXXX continues to report this account and attempt to collect the alleged debt. Their actions have caused harassment and distress and have negatively affected my credit profile. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), consumers are protected from inaccurate credit reporting, deceptive collection practices, and harassment by debt collectors. XXXX XXXX XXXX has a legal obligation to ensure that all information they report is accurate and properly verified. Because this account contains incorrect identifying information and has not been properly validated, I believe XXXX XXXX XXXX XXXX be violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by continuing to report and attempt to collect this alleged debt. I am requesting the following actions : Immediate investigation of this account. Written validation of the alleged debt, including proof that I am the correct consumer responsible for it. Documentation showing XXXX XXXX XXXX has legal ownership of the debt. Immediate deletion of this account from my credit reports if it can not be fully verified. Cease all collection efforts until proper validation is provided. If XXXX XXXX XXXX can not provide complete verification of this account and prove that I am the correct consumer associated with it, I request that the account be removed from my credit report immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 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: MT

Complaint narrative:
I am filing this complaint regarding my Capital One credit card account, which has been affected by fraud and account access issues for over two months. A fraudulent payment from a bank account that does not belong to me was applied to my credit card. This caused my account to show an incorrect balance and restrictions. I reported this issue to Capital One immediately. Despite multiple contacts with Capital One, the issue has not been resolved. My account still shows an incorrect balance and remains unnecessarily restricted. Additionally, my phone number and email address on the account were compromised. I requested that Capital One update this contact information, but they have been unable or unwilling to correct it, which prevents me from fully securing my account. I now have a new bank account in my own name and have informed Capital One that the fraudulent payment source is not mine. I also attempted to seek help in person at Capital One XXXX in XXXXXXXX XXXX but I was told they can not assist with credit card account corrections in person. This has left me without a practical way to resolve the issue.

Company response to consumer: Closed with explanation