vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ray Klein, Inc.
State: FL

Complaint narrative:
This debt was a result of identity theft in which I submitted a FTC identity theft report. I also submitted a police report in the county that validates the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
- XXXX XXXX XXXX XXXX ( herein referred to as " Merchant '' ) offered a 12 month interest free payment installment plan for due of {$4200.00} thru CC Provider ( herein referred to as the CC Provider '' ) ; - i agreed. Merchant and myself enrolled to register in the CC Provider 's promotional plan ; - Received approval from CC provider to start minimum payment ( {$180.00} ) XX/XX/year> ; - I started payment of {$350.00} per month from XXXX to XX/XX/year> every XXXX XXXX days of the month without fail ; - On payment on XX/XX/XXXX, i noticed an Interested charge of {$580.00} dated XX/XX/XXXX ; - Upon inquiry, was advised that promotion approved was 6 months interest free and not 12 months. Since 6 months had elapsed, was charged the interest of remaining balance ; - I disputed the interest charges and emphasized merchant had committed a 12 month interest free payment as they did with their other clients. Promotional plan was shown to me by merchant ; - after XXXX weeks of back and forth, i decided to pay the principal balance on XX/XX/XXXX ;. - thereon, i noted the CC provider kept on charging interest on the disputed interest charges. I continued to dispute the charges until finally they said " if i can ask the merchant to call them and confirm my account was wrongly charged from 12 months to 6 months, then they can help remove all the interest charges '' ; - i contacted the merchant. XXXX did call the CC provider to confirm our agreed promotional offer of 12 mos. For some reasons, the CC provider, i found out later, only removed the Late fees but not the interest charges ; - i called back the CC provider to clarify. They clearly reneged on their prior advise to remove the interest charges once the merchant calls them. They stuck to their position that interest charges were valid charges and that i should pay them what is due because of the interest charges ; - i made another effort to contact the merchant and they again tried calling the CC provider but the latter stuck to their position ; - from the initial interest charges of {$580.00}, last statement shows the total amount due at {$750.00} net of adjustments made ( late fees, etc ). - advised them am filing a complaint with the CFPB ;

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State ZIP ] [ Date ] [ Debt Collector Name ] [ Debt Collector Address ] [ City, State ZIP ] RE : Request for Debt Validation Account Number : [ Account number if known ] To Whom It May Concern, I am responding to your contact regarding the debt referenced above. Under my rights provided by the Fair Debt Collection Practices Act, I am requesting validation of this debt. Please provide the following : The amount of the alleged debt with an itemization of charges The name and address of the original creditor Documentation proving I am legally obligated to pay Proof that your company is authorized to collect this debt A copy of any contract or agreement bearing my signature Until you provide proper validation, I request that all collection activities cease. I also request that communication be conducted in writing only. Sincerely, [ Your Signature ] [ Your Printed Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I received a notice that my account was closed due to some recent financial issues that I had. Although this particular account was NOT affected in anyway nor has it ever been it was closed. I called to investigate why and they said because of current state of my credit report. So essentially they intentionally helped create the situation. They lowered the balance on XXXX of my cards which immediately increased my utilization and then closed another that had no balance at all. So how is it legal for them to intentionally help cause the issues they are complaining about? Synchrony is the company and on XX/XX/year> I noticed a decrease in my credit limit for my Amazon XXXX card by {$360.00} I did a chat and they said it was based on my credit report for other accounts. Then today XX/XX/year> I got a notice from them stating that my XXXX card had been closed all together which did have a credit line of {$2600.00} and no balance, I called the same day and they gave me the same story. So now I will also have to take an another dip in my score for a loss of {$3000.00} in available credit. This should not be legal. If they want to place a hold thats fine but to b able to intentionally cause damage to a persons score is is not ok.

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 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft and I am disputing the following fraudulent accounts with all three credit bureaus XXXX XXXX {$0.00} balance opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$860.00} balance opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} balance opened XX/XX/XXXX XXXX XXXX {$0.00} balance opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} balance opened XX/XX/XXXX XXXX XXXX {$0.00} XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$360.00} balance opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} balance opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$580.00} balance opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$510.00} balance opened XX/XX/XXXX XXXX BANK XXXX {$0.00} balance opened XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
For the past few years I received phone calls from debt XXXX repeatedly from early mornings to late nights. To a point I have to turn phone off during work. I tried getting a new number but that didnt stop anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AZ

Complaint narrative:
On XXXX, I reported that my Cash App account was hacked. Over {$800.00} was withdrawn from my linked bank account without my authorization. Additionally, a {$1200.00} loan was fraudulently initiated through my account, and XXXX repayment deductions were taken from my bank account toward that loan. I filed Case # XXXX and was told to wait XXXX business days. I received no meaningful response or investigation. Instead, my case was closed without resolution under Case # XXXX, claiming they had not heard from me, which is inaccurate. I was never contacted requesting additional information. These transactions were unauthorized and fraudulent. Cash App has failed to properly investigate, reimburse the funds, or correct the fraudulent loan. I am requesting : Reversal of the unauthorized loan Reimbursement of all unauthorized withdrawals and repayment deductions Written confirmation of their fraud investigation findings This matter involves identity compromise and significant financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: IN

Complaint narrative:
I placed a dispute for an item that I purchased from XXXX. I returned the item to them and the credit card company said that they did not approve the dispute. The amount of dispute is {$39.00} the transaction the dispute was filed on XX/XX/25. I have proof that in the form of prepaid label that the item was returned. I have several emails from the company stating they received the item back as well. They failed to provide me a refund or credit. That is why I opened the dispute. My credit card company did not even ask for any additional information. I would have provided them with proof of that I returned the item as requested from 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 2026-02-24 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: Kriya Capital, LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2026 Re : Formal Complaint Against XXXX XXXX Inaccurate Reporting & Failure to Investigate To Whom It May Concern : I am submitting this formal complaint against XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX is currently reporting an account on my consumer credit reports that I dispute. I have previously notified the company and the credit reporting agencies that this account is inaccurate and/or unverified. Despite my written disputes, XXXX XXXX has continued to report the account without providing proper validation or evidence that the information is accurate. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to conduct a reasonable investigation upon receiving notice of a dispute. Additionally, under 15 U.S.C. 1692g, a debt collector must provide proper validation of the alleged debt upon request. To date, I have not received sufficient documentation proving : A signed contract bearing my signature A complete account history and chain of assignment Proof of authority to collect in my state Verification of the amount allegedly owed Continued reporting of unverified or inaccurate information is damaging my credit profile and financial reputation. This conduct may constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. I am requesting that the CFPB require XXXX XXXX to : 1. Conduct a proper investigation in compliance with federal law 2. Provide full validation of the alleged debt 3. Immediately delete the account from all credit reporting agencies if it can not be properly verified 4. Cease reporting any inaccurate or misleading information I request a full written response and documentation of their investigation findings. Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About XXXX weeks ago, American Express opened complaint XXXX and XXXX in reference to purchase protection claim XXXX, but it has not been resolved. On XX/XX/year>, I followed up via phone call and the Agent representative refused to address and/or resolved the issue. The Agent did confirm that American Express had all the documents necessary to resolve the claim but did not want to provide any resolution date nor updates

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
i filed a complaint got a response today never bothered reading it and the next pay check same thing will you ever do anything

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marauder Corporation
State: WA

Complaint narrative:
" I demand the immediate and permanent deletion of this tradeline. Under the FDCPA ( 15 U.S.C. 1692e and 1692f ), it is an 'unfair and deceptive practice ' to report or collect on a debt that is unsubstantiated or invalid. As proven by the attached medical evaluation from XX/XX/XXXX, I have been medically incapacitated since my severe XXXX in XX/XX/XXXX ( Page XXXX ). Because I was in a coma and currently require XXXX supervision for cognitive deficits ( Page XXXX ), I was physically and legally unable to receive, understand, or dispute any initial notices within the statutory 30-day window. Furthermore, under FCRA ( 15 U.S.C. 1681s-2 ), furnishers are required to report only accurate and verifiable information. Reporting a debt incurred or processed while a consumer is unconsciousand thus unable to verify its accuracyviolates the 'reasonable investigation ' requirement of the Act. The only fair resolution is the total removal of this information from my credit file. ''

Company response to consumer: Untimely response
Consumer complaint received 2026-02-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: WA

Complaint narrative:
Self financial reported that I opened a pre paid card with them on XX/XX/XXXX for {$520.00}. This would have been impossible as I explained to self that I was unwell and XXXX with a XXXX hour XXXX Self financial reported to the credit agencies that I owed them {$520.00}, and that they had a multitude of evidence. After I contacted Self they then changed the credit report to the balance owed was XXXX and the account is closed. When in communication with Self I requested the report to be removed from my credit and the evidence Self reported to the XXXX CRA and it was at that time they replied that the account evidence is a matching email address to my personal email and that they have records of XXXX phone call by me being made in XXXX of XXXX requesting to close the account. I did not make any phone calls and a matching email is ridiculous so I asked for a transcript or copy of records and recording of the telephone call they are claiming was made. They have since refused to communicate with me and refusing to remove the report from my credit and have also refused to refund the {$520.00} that XXXX has claimed I pre paid for the card. I have made multiple disputes with all the credit reporting agencies but XXXX continues to leave the negative report and they are lying to the credit reporting agencies regarding XXXX. The ownership of the account XXXX. The evidence they claim to have but do not and XXXX. Changing the report to credit agencies after contact with me, from owing {$520.00} with XXXX payments to being paid in full and closed. I can not provide the card number asked for because I have not ever had a card or account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding their determination that I am responsible for {$1900.00} in fraudulent transactions resulting from a caller ID spoofing / vishing scam. On XX/XX/year>, I was contacted by an individual posing as Navy Federal Credit Unions XXXX Department. The call appeared on my phone with NFCU as the caller ID, which led me to reasonably believe the call was legitimate. This individual impersonated Navy Federal and initiated fraudulent claims and unauthorized activity on my debit card and savings account without my consent. I did not authorize any transactions, transfers, or claims. I did not benefit from any of the fraudulent activity. The actions taken in my name were the result of criminal impersonation and social engineering fraud. I reported the incident to Navy Federal immediately and fully cooperated with their investigation. I also filed reports with the Federal Trade Commission ( FTC XXXX : XXXX ) and the XXXX XXXX Police Department ( Report # : XXXX ). Despite this, Navy Federal concluded that I am liable for the loss. I dispute this determination under Regulation E of the Electronic Fund Transfer Act, which protects consumers from unauthorized electronic fund transfers. I am requesting that Navy Federal be required to properly review the technical evidence related to how claims were submitted in my name, including timestamps, device and IP data, and any phone call records or recordings related to the fraudulent interaction. I am also concerned that Navy Federal has not implemented sufficient safeguards to protect members from caller ID spoofing and impersonation scams, which are widely known forms of bank fraud. The ability for criminals to present NFCUs name on caller ID directly contributed to my victimization. I am requesting CFPB assistance to ensure Navy Federal conducts a fair and compliant investigation, properly applies Regulation E consumer protections, and restores funds taken through unauthorized fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft and I am disputing the following fraudulent accounts XXXX XXXX XXXX XXXXXXXX {$280.00} balance opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$860.00} balance opened XX/XX/XXXX XXXX XXXX {$0.00} balance opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} balance opened XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} balance opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} balance opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} balance opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} balance opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} balance opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} balance opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$510.00} balance opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} balance opened XX/XX/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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Identity theft. Was never on my report till few years ago. Its.not on XXXX of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by Midland Credit Management ( original creditor XXXX XXXX XXXX The account reflects a date of first delinquency of XX/XX/year>. I have disputed this account previously, and it was marked as verified ; however, I have not received documentation showing the original signed agreement, itemized statement of charges, or proof that Midland Credit Management has legal authority to collect this debt. I am requesting full validation of this account consistent with the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
On or about XX/XX/year>, my mobile phone was stolen. After the theft, multiple unauthorized debit card transactions were made through my XXXX XXXX account using my Chime debit card that was stored on file. The total amount of the unauthorized charges was approximately {$6100.00}. I did not authorize these transactions, did not make or approve the purchases, and did not benefit from them. Once I discovered the activity, I promptly contacted Chime and reported the fraud and filed a dispute. Chime investigated the matter and denied my dispute without providing a clear explanation or evidence showing that the transactions were authorized. I requested information regarding how the charges occurred and the basis for the denial, but this information was not provided. I am requesting that Chime properly investigate the unauthorized transactions and return the disputed funds in accordance with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am an identity theft victim XXXX XXXX XXXX XXXX XXXX XXXX. This institution is in willful violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) and Texas Finance Code 392.308. Despite receiving my Approved Police Report and FTC Affidavit, this creditor continues to report fraudulent debt. XXXX XXXX sent a notice dated XX/XX/year>, failing to apply the mandatory block, and TransUnion ( XXXX XXXX ) confirmed on XX/XX/year>, that this institution " verified '' the fraud as accurate. A creditor can not legally " verify '' debt formally identified as fraud by law enforcement. This intentional reporting of toxic data has suppressed my scores to the mid-500s and caused documented housing denials. I am preserving all notices as evidence of bad faith for a private right of action under 15 U.S.C. 1681n.

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