vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am filing this complaint regarding XXXX failure to comply with FCRA Section 605B. I submitted a police report and FTC Identity Theft affidavit regarding a fraudulent Affirm account opened on XX/XX/year>XXXX in the amount of {$200.00}. This account resulted from identity theft after I lost my wallet in XXXX XXXX. Under FCRA 605B, once a consumer submits a valid identity theft report, the credit bureau is required to block the fraudulent tradeline within 4 business days. XXXX has failed to do so and continues to report this account as a charge-off. I am requesting immediate blocking and removal of this fraudulent Affirm account from my credit file, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
XX/XX/XXXXXXXX : First day I tried to set up my account at Rocket Mortgage transferred from XXXX XXXX account, and found that there was nowhere mentioning the loan I paid off in XXXX XXXX. I need the tax statement for this loan to file tax return. XX/XX/XXXXXXXX : Made numerous calls to various Rocket Mortgage phone numbers and finally connected with a real person at servicing team, however, the agent lied to me that once I log in I can choose between current loan and paid-off loan after she knew I did not have access to personal computer to check it out ; Later in the day went home and clicked the link agent sent to my email, still the same, nothing about the paid-off loan is showing up, made several calls, an agent at servicing team asked about my request and told me she would connect me to another team and waited 2 hours with no response. I suspect they missed to prepare my tax statement for this paid-off loan as it was from XXXX XXXX which was acquired by Rocket Mortgage , and request for this document for my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Fair Collections and Outsourcing obtained my information via Identity Theft. They used my information to open a collection account without my consent. I never used a XXXX granting them permission. I am requesting the company be removed as the collection company. This company also has a track record of aggressive and inappropriate tactics. It was sued by the CFPD in 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 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I recieved two text messages purportely from Credit Collection Services stating that they are tyring to collect a debit I owe to XXXX XXXX XXXX. A PDF was attached. Instructing me to call ( XXXX ) XXXX or self-service : www.cscpayment.com and reference file # XXXX. First message received on XX/XX/year> and second message today, XXXX. XXXX advised me that Credit Collection Services is a legitimate debit collector but sometimes scammers inpersonate them. I verified with XXXX XXXX XXXX that I have no outstanding debts with them. I reported the text message as SPAM with my carrier. XXXX also advised me to report to you. I hate scammers!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I have pay the debt off and the account is settled to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Nothing Told me to pay my loan on time or early because they a daily basis Told me I signed the contract dealership never explained that at all I wouldnt have never agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
b'Dear Sir or Madam, I am writing to formally dispute certain information currently being reported on my consumer credit file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C. 1681). After reviewing my credit report, I have identified information that may be inaccurate, incomplete, unverifiable, or misleading. Under 611 of the Fair Credit Reporting Act (15 U.S.C. 1681i), you are required to conduct a reasonable reinvestigation of any disputed information and remove or correct any information that cannot be verified. Specifically, I dispute the following items: Any accounts not belonging to me Any late payments reported inaccurately Any balances that are misstated Any duplicate accounts Any outdated negative information Any accounts reporting incorrect dates of first delinquency Any collection accounts or charge-offs that cannot be properly validated Under 607(b) (15 U.S.C. 1681e(b)), you are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, under 623 (15 U.S.C. 1681s-2), furnishers of information have a duty to provide accurate information and to conduct a proper investigation upon receiving notice of a dispute. If any of the disputed items cannot be verified, they must be deleted from my credit file in accordance with federal law. Please provide me with: Written confirmation that a reinvestigation has been conducted. The name, address, and telephone number of any furnisher contacted during the investigation. A copy of my updated credit report reflecting any corrections or deletions. Please complete this reinvestigation within the 30-day timeframe required by 611(a)(1) of the FCRA. I request that all future correspondence regarding this matter be in writing. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Collection Agency Name : PORTFOLIO RECOVERY ASSOCIATES Agency Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX __________ To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of this alleged debt. I dispute this debt and request that you provide proper documentation to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
Aidvantage has reported XXXX late payments to my credit report regarding my student loans which were very inaccurate. I try fixing it with them last week and they havent given me any assistance nor resolution for my matter.

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

Complaint narrative:
Company rewards terms do state that miles can be used for travel purchases including theme park tickets. When tickets were purchased directly from theme park, company refuses to reimburse expenses for full amount advertised stating theme park is categorized as entertainment. Company only agreed to release rewards for {$.00} on the agreed {$1.00}. Company also states that they have no control over how theme park is categorized in their system and could give no examples of a theme park that was categorized correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I checked my credit report and noticed some inaccurate information. Please see the attached document.

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

Complaint narrative:
I have filed the same disputes against the same transactions multiple times. Goldman Sachs continues to ignore substantial evidence, including the illegal and unenforceable nature of the contract entered. Ive submitted evidence. I have studied contract law extensively. These transactions were made under false pretenses. The company that I have filed these disputes against was a shell company running a scam. They misrepresented themselves, falsely advertised themselves, and created an illegal and unenforceable contract ( their terms and conditions ). Apple continues to say you agreed to their terms. But, a contract is illegal if it involves unlawful activities, fraud, or violates public policy. Any contract that does not conform to applicable state and federal laws and does not include all required elements is not legally enforceable. A contract must be created and executed following certain guidelines to bind its parties by law. This company was operating illegally. I was unaware that this was the case when I entered the contract due to their lack of enforcing proper geo restrictions and lack of mention of Virginia being a restricted state. This is unacceptable. Apple has continually mishandled these disputes, despite knowing that the company accepted wrongdoing previously ( as the company refunded me partially, and paid out a {$300.00} refund through the Apple dispute company ). I still have these amounts in dispute : {$120.00}, {$120.00}, {$150.00}, {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
After filing a dispute from several unauthorized transactions on XXXX, XX/XX/XXXX, and second. Huntington suddenly decides to force close my account without any explanation. On XXXX XXXX, I tried to log in my account on XXXX XXXX through my app with the same information I have had almost 2 years and it kept telling me it was incorrect. I then tried to reset password and that did not work either. I had {$5700.00} of myyyy money in this account and suddenly theyre telling me my account is closed after consistently allowed unauthorized transactions of up to {$5000.00} in addition to my own money of XXXX. They refused to give me my money and would not tell me how to get my money. They have no valid reason to close my account. I need my money and I am entitled to my money I worked for! I am now left with no money at all! I cant get to work, I have children! This company is stealing my money! I want my Money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am filing this complaint against Midland Credit Management XXXX XXXX regarding their continued reporting of an alleged debt originally associated with XXXX XXXX Bank, XXXX. I formally requested proper validation and supporting documentation for this account, including : A copy of the original signed contract or agreement bearing my signature Complete account-level documentation establishing my legal obligation Documentation evidencing lawful assignment of this specific account Full account statements and balance calculation Midland responded only with a summary letter containing internal account data. They did not provide a signed agreement, competent assignment documentation specific to my account, or sufficient evidence establishing enforceable obligation. Despite the lack of documentary proof, Midland continues to report this account as verified and accurate with Experian, TransUnion. A reasonable investigation under FCRA XXXX requires more than confirming information within a companys own internal system. Reporting information as verified without competent documentation raises serious concerns regarding the adequacy of the investigation conducted. Furthermore, Midland states that due to the age of the debt, they will not pursue legal action. However, they continue to report the account in a manner that negatively impacts my credit profile. If Midland can not produce competent documentary evidence sufficient to substantiate the reporting, this account should not continue to be reported as accurate. I respectfully request : Immediate review of XXXX investigation procedures in this matter ; Provision of competent documentary evidence supporting the reporting ; or Deletion of this account from all consumer reporting agencies. Continued reporting without sufficient documentation may constitute inaccurate or misleading credit reporting. I request a formal written response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I help a guys out on chime and gave me money but he chose to try and get the money by requesting a refund and I refused. Even though I had canceled the reqeust for the refund on the account the money was taken out of it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Between XXXX and XX/XX/XXXX, approximately 50 unauthorized cryptocurrency purchase transactions totaling {$1600.00} were made through my PayPal account following an apparent account takeover. I have maintained this PayPal account since XXXX and have never used it to purchase cryptocurrency. This activity is entirely inconsistent with my historical account usage. The affected PayPal account was registered under my Maiden name, XXXX. My current legal last name is XXXX. Prior to the fraudulent transactions, unauthorized changes were made to my account in XXXX, XXXX, and XX/XX/XXXX, including the addition of an unknown email address, mailing address, and phone number. I promptly reported the transactions as fraud. My linked financial institution conducted an investigation and determined the transactions were unauthorized, reversing {$1100.00}. Despite this fraud determination and evidence of account takeover, PayPal denied my dispute, stating the transactions were " consistent with my account behavior. '' PayPal then treated the bank-reversed funds as a negative balance and transferred the account to a third-party collection agency. I am disputing this debt because it directly resulted from identity theft and unauthorized transactions. I am requesting that PayPal conduct a meaningful fraud investigation, correct the account balance, and recall the account from collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint regarding two unauthorized charges on my Chase XXXX XXXX Checking account. The transactions are : XX/XX/XXXX {$96.00} XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XX/XX/XXXX {$96.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX I did not authorize either transaction and have no relationship with this merchant. In XXXX XXXX, after noticing the charges, I contacted Chase to report both transactions as fraudulent. During my initial call, the representative informed me that both charges would be refunded. Subsequently, Chase credited the XX/XX/XXXX transaction but denied reimbursement for the XX/XX/XXXX transaction. I was later informed by a supervisor that there is a 30-day reporting requirement for business accounts. If the XXXX transaction was outside the reporting timeframe under the business account agreement, that should have been clearly disclosed during the initial fraud report. Instead, I was told that both charges would be refunded, and I relied on that representation. The explanations provided by different representatives were inconsistent, and I was not given clear information at the time of the initial report about any reporting deadline affecting reimbursement. I am requesting review of the XX/XX/XXXX fraudulent charge and the handling of my fraud claim.

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

Complaint narrative:
On XX/XX/year>, an XXXX account was opened fraudulently in the amount of {$200.00} after I lost my wallet in XXXX XXXX. I filed a police report and completed an FTC Identity Theft affidavit documenting this identity theft. I submitted these documents to Experian and formally requested a block under FCRA Section 605B. Despite providing a valid identity theft report, Experian has continued reporting this account as a charge-off and has failed to block the tradeline within the 4 business days required by federal law. I am requesting immediate compliance with FCRA 605B and permanent deletion of this fraudulent Affirm account from my credit File

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

Complaint narrative:
am writing to formally complain about the unjustified restrictions placed on my credit card accounts, the lack of any prior communication, and the inappropriate demand for my personal information. Recently, one of my credit cards, which had a XXXX balance and a {$5000.00} available credit line, was declined for a routine utility payment. I accepted the decline and used another card to pay the bill, considering it a closed matter. However, without any prior notice, explanation, or communication, both of my credit card accounts were then restricted. When I contacted your company, I was told by a representative named XXXX in the XXXX department that a copy of my utility bill was required. I want to emphasize the following : 1. Lack of Communication : At no point was I informed about the reasons for the account restriction, nor was I provided with any written adverse action notice as required by law. 2. Unjustified Demand : While I understand that fraud prevention is necessary, the demand for my utility bill was not justified given that the initial transaction was a simple utility payment, which I did not dispute. I explicitly stated during the call, which was recorded by your company, that it was my money and my credit card, and I have the right to use it as I see fit. 3. Account Freeze : Freezing all my accounts without proper justification and without communicating the reasons to me is unacceptable. 4. Rewards : My earned rewards should be transferred to me immediately and not withheld due to this unjustified account freeze. I am requesting the following actions be taken immediately : 1. A clear written explanation for the original transaction denial and subsequent account restrictions. 2. Immediate reinstatement of my accounts or a written statement confirming the closure with lawful justification. 3. Immediate transfer of all rewards earned on my account. CAPITAL ONE CREDIT CARD Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: TX

Complaint narrative:
Subject : Formal Complaint Withholding of Funds After Account Closure I am filing this complaint regarding Netspends continued withholding of my funds following the closure of my account. My account was closed, and I was informed that a check would be mailed to the address on file. Since XXXX, I have not received my check. Each time I contact Netspend, I am told there is an issue with my address due to a missing apartment number. I have provided my correct address, including the apartment number, on XXXX separate occasions. Despite this, Netspend has failed to issue my check or resolve the issue. I have received no written confirmation, no tracking information, and no clear explanation for the continued delay. It has now been several months, and my funds remain inaccessible. This situation demonstrates a failure to properly return consumer funds after account closure and a failure to correct verified address information despite repeated notice. I am requesting : Immediate issuance of my check to the correct, verified address. Written confirmation of when the check is mailed. An explanation for the delay. Confirmation that no additional fees have been deducted during this delay. I am requesting regulatory review of this matter to ensure compliance with applicable consumer financial protection laws. I expect prompt resolution.

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