vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I opened a checking account with PNC Bank in XX/XX/XXXX after being approached by a PNC representative during my employment onboarding at XXXX XXXX XXXX. I was offered a promotional bonus ( initially stated as {$300.00}, later referenced as {$200.00} ) for opening the account and receiving my salary via direct deposit. Because I am XXXX XXXX XXXX XXXX, I was instructed to open the account in person. During the account opening, I clearly explained the promotion, and the bank employee assured me they would contact the responsible department to apply it to my account. I have been receiving my salary via direct deposit since XX/XX/XXXX, well beyond the required period of three months. However, I never received the promised bonus. On XX/XX/XXXX, I contacted PNC customer service and was informed that the promotion was never applied to my account. This is concerning because : The offer was actively promoted by a bank representative I met all stated requirements The bank failed to apply the promotion as promised The website still advertising that, but nor is only {$100.00} I believe this constitutes deceptive marketing and failure to honor advertised terms. I am requesting that PNC honor the original promotional bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Better Debt Solutions LLC
State: TX

Complaint narrative:
requested to be placed on the do not call list every time they called.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I purchased a car through XXXX automotive in XXXX, the car was taken over by a family friend. It was never transferred over and remained in my name. They came and repossessed the car from that person almost 2 years ago and now Im getting multiple letters from them pretending to be the court and falsifying documents.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear PORTFOLIO RECOVERY ASSOCIATES , LLC, I am writing in response to your recent communication regarding the above- referenced alleged debt. Please be advised that your initial communication with me regarding this matter occurred within the past 30 days. I am formally disputing the validity of the alleged debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby request that you provide the following : 1. The name and address of the original creditor ; and 2. A copy of the agreement bearing my original signature, which allegedly binds me to this debt. You are attempting to collect money that I do not owe, and any continued collection activities without proper validation are unlawful. You are hereby directed to cease and desist from : All collection efforts ; Any form of contact with me regarding this matter ; and Any and all credit reporting related to this alleged debt. I further demand that you immediately request the deletion of any and all credit reporting you may have made to the credit reporting agencies in relation to this alleged account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I called them requesting more info i told them it was not mine and they never sent any info after following up with them 3 or more times

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX financed through Professional Financial Services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The vehicle failed on XX/XX/XXXXXXXX XXXX XXXX XXXX days after purchase due to coolant intrusion into cylinder XXXX, a known pre-existing manufacturer defect confirmed in writing by a XXXX dealership in XXXX XXXX via paid teardown diagnostic. XXXX quoted {$9300.00} for engine replacement. The vehicle has been completely undriveable since XX/XX/XXXX. I have continued making loan payments and warranty payments on an undriveable vehicle for over XXXX days. The selling dealer XXXX XXXX XXXX XXXX failed to deliver title within XXXX calendar days as required by XXXX XXXX XXXX XXXXXXXX. As of XX/XX/XXXXXXXX XXXX XXXX XXXX days after purchase XXXX XXXX XXXXnfirmed the vehicle was still registered in XXXX. When I contacted Professional Financial Services they confirmed title transfer had been submitted but could not provide a specific date contradicting the XXXX record. On XX/XX/XXXX I called Professional Financial Services and mentioned pursuing legal remedies. Within XXXX minutes XXXX XXXX XXXX XXXX owner contacted me directly suggesting direct communication between Professional Financial Services and XXXX XXXX XXXX XXXX about my legal claim. This coordination between lender and dealer appears to be an attempt to suppress my legitimate consumer fraud claim. I am invoking my rights under the FTC Preservation of Consumer Claims and Defenses Rule 16 C.F.R. 433. As the holder of this finance contract Professional Financial Services is subject to all claims and defenses I have against XXXX XXXX XXXX XXXX including the pre-existing defect, title fraud, and misrepresentation of the vehicle as a fleet vehicle when it came from auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was approached by a man who claimed to be connected through a mutual friend and offered to exchange {$1300.00} in cash for a Cash App transfer. Trusting the situation, I handed him my phone to enter his information, but he quickly used facial recognition to authorize the payment without giving me any cash in return. Realizing what happened, I grabbed my phone back to try and cancel the transaction, but it had already gone through. He immediately walked off in the opposite direction. I tried to get his attention and I attempted to get security, but by the time I returned, he was gone. I have since requested a refund multiple times through Cash App, but he has denied all requests to return the money. I then immediately called my bank wells fargo right after the incident on XX/XX/XXXX to try to dispute the charge however since It was through a 3rd party my claim was denied. I then made a dispute via cashapp on XX/XX/XXXX identifying that I was scammed and they denied my dispute with no clear reason being given. I then appealed it with another dispute on XX/XX/XXXX going into further detail and sending proof that i tried to request my funds back and it took them until XX/XX/XXXX to state that they cant reimburse me with no further reasoning. My bank has even stated that I have been scammed but cashapp is not being helpful with returning my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: GA

Complaint narrative:
On XX/XX/year> Someone stole my phone, got into my chime account and changed the email and phone number, and took all my money out of my chime account totaling {$480.00}. I disputed the charges/ transfers with dispute # XXXX, and uploaded the police report from the incident. They are denying my dispute. Saying there was no error in the transaction. There is proof of me being locked out of my account and a police report to back it up. I've followed all procedures and policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Seven weeks ago I reported an attempted scam by outsiders to potentially withdraw funds from my Capital One checking account. They were not successful however I then changed checking accounts inside the Bank along with debit cards with the Bank involved. I went through the whole process of changing my direct deposits from SS and a pension account along with changing multiple bill pay and automatic withdrawals. Seven weeks later, I was trying to use my new Capital One debit card. It was rejected and I discovered that Capital One had " taken over '' my accounts and that I was locked out of all of my accounts and can not access any of my money. Capital One said they were issuing a new account which would take 3-5 business days. In the meantime, I have direct SS deposits and other direct deposits with a slew of auto payment that hit at the first of the month. Capital One says that any money coming into my account would be transferred to the new account. However, they said I could only tell when that happened if I changed my password to see when my former account had a XXXX balance. Moreover they told me I would not be able to see or monitor the new account for another 5-10 business days after it was set up leaving me with no control or access to my money or accounts for up to 10 days! Because I had just changed my account information with SS and pension plans, I don't know how soon I can change again! Also, I purchased checks for the account I was using which are now obsolete as well as all of my auto withdrawals rejecting! This is wrong! Capital one sent me only one email on XX/XX/XXXX telling me they were investigating potential fraud against the OLD account I switched from.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This company is already apart of a complaint on file with the CFPB. I am update per their request. This company emailed me about a XXXX bill. I requested information about the debt and have not heard back from them.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Dear TRUEACCORD CORPORATION, I am writing in response to your recent communication regarding the above- referenced alleged debt. Please be advised that your initial communication with me regarding this matter occurred within the past 30 days. I am formally disputing the validity of the alleged debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby request that you provide the following : 1. Thenameandaddressoftheoriginalcreditor ; and 2. Acopyoftheagreementbearingmyoriginalsignature, whichallegedly binds me to this debt. You are attempting to collect money that I do not owe, and any continued collection activities without proper validation are unlawful. You are hereby directed to cease and desist from : All collection efforts ; Any form of contact with me regarding this matter ; and Any and all credit reporting related to this alleged debt. I further demand that you immediately request the deletion of any and all credit reporting you may have made to the credit reporting agencies in relation to this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX, Mr. Cooper ( rocket mortgage ) reported to the credit bureaus that my account balance was past due. This information is incorrect. My mortgage with Mr. Cooper was paid in full in XXXX, and the account should not reflect any past-due balance. This reporting is negatively affecting my credit, and I am requesting that it be investigated and corrected immediately. Please remove the inaccurate past-due reporting from all credit bureaus to which it was furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: SC

Complaint narrative:
{$150.00} was charged back to my account based on disputes going back to XX/XX/year>. According to the law, this shouldve been settled within XXXX days. They need to issue me an immediate credit for what they build me less than XXXX hours ago. What they did was clearly illegal. It is taken XXXX months for them to resolve this and now suddenly there were resolving everything in favor of several merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
In XXXX, I contacted customer service regarding approximately {$750.00} in charges made by my son, who had previously used my card with my permission to make a single purchase. I did not intend to file a fraud claim, and I was transparent that I knew exactly who made the charges. My goal was simply to understand whether any resolution options were available. My son does not live with me and I was unaware that he continued using the card without my permission. I did not report fraud. I knew who did it. I just asked if anything could be done. The customer service representative who could not answer the question without speaking to her supervisor must have been the one to report my inquiry question as fraud. She escalated to the fraud department rather than just asking her supervisor. At no point did I intend to misrepresent the situation or violate SoFis policies. I now understand that allowing ongoing use of my card by another individual may conflict with your terms, and I take full responsibility for that misunderstanding. However, I was surprised and shocked to learn that my account was permanently closed without warning, despite my strong payment history, excellent credit, and consistent account management. I value SoFi as a financial institution and would greatly appreciate the opportunity to have my account reconsidered for reinstatement. I am more than willing to comply fully with all policies moving forward as I always have with all of my creditors. I have perfect credit and worked for years to get it that way. I had no impure motive. Since when does transparency and honesty get punished like this and treated quite rudely by verbally telling me that I am NEVER welcome to EVER apply again with SoFi!!! WOW!!!! Thank you for your time and consideration. I would sincerely appreciate a second review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
property XXXX provided false information to sell debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
JP Morgan Chase sent me a settlement offer for half the balance owed to be paid over a XXXX to XXXX month period. I accepted their offer and paid as agreed, however they are still reporting to the credit reporting bureaus that I still owe {$3400.00} when this account was settled XXXX years ago. Is there nothing that can be done to correct this? They are refusing to correct the issue. It should state settled for less than full amount instead of derogatory on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: AZ

Complaint narrative:
On XX/XX/XXXX my husband and I withdrew {$700.00} from the ATM at Chase XXXX XXXX XXXX location. It was a Sunday and the bank was closed so we used the ATM. The machine was making the noise like it was dispensing the money but the money didn't come out nor a receipt. So we tried it again for {$720.00} it dispersed no cash just a receipt saying Transaction Denied. Well I didn't know what was going on. So we drove directly home and called the bank it said we withdrew {$700.00} and that is why it denied my second attempt. So they transferred my call to another department, they looked into it and said they would refund the money till further investigation was done. Then I recieved a letter on XX/XX/XXXX. I didn't understand what was said in the letter so we went to the bank, spoke to the bank manager. He said that we withdrew the money and I explained that it didn't.come of the ATM, he then proceeded to call someone on the phone spoke to them, printed out my account transactions and he said there it is in black and white. I then asked for the camera footage he said I needed a subpoena and a police report. So I went home filed a police report the officer told me I would need to go to court for the subpoena and it cost more for that, than the {$700.00} I was originally missing. I mentioned it to the neighborhood watch I belong to. And they referred to the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
On XX/XX/XXXX, I paid a beauty service provider {$25.00} for a deposit. On XX/XX/XXXX, that provider canceled my appointment two hours before the service and said she would refund my deposit. She did not. I have attempted to contact her several times and she has ignored my messages. I attempted to contact XXXX to file a dispute. The app directs you to an information help page that tells you to go to your profile settings and file the dispute. However, when you follow the instructions, it does not lead to any dispute form, it leads you back to the help page. The customer chat is an AI model with redundant responses that are not helpful. I called the phone number and the system told me to call back at XXXX XXXX and hung up on me. The next time I called, I was connected with someone named XXXX who also hung up on me. XXXX intentionally provides no reliable method of communication to resolve dispute matters. Their payment protection service either takes money from the recipient or requires the sender to pay more, which is why no one uses it. These predatory tactics are designed to ensure no one gets their money back after being scammed through this app. I have removed all personal banking accounts out of fear because of this incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rosenberg & Associates Recovery Services
State: ID

Complaint narrative:
Repeated, repeated calls. Debt is more than 15 years old. State Law prohibits collection after 5 years ( Idaho ) and 6 years ( Utah ).

Company response to consumer: Untimely response
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX Citi accepted a payment of {$1400.00} on account XXXX which is a closed account since XXXX XXXX. I called Citi customer service on XX/XX/XXXX once I saw the amount had been applied to the wrong account not account XXXX Customer service at this time said they would transfer it to the open account. XX/XX/XXXX Citi reversed the transfer and charged my open account again. I called Citi customer service XXXX once seeing the charge on the new statement along with an interest fee ( {$93.00} ) for this amount not paid. I was told by Citi customer service this time that they do not transfer money to accounts and I had to formally call in and request a check cut back to me for the {$1400.00} on the closed account. How can they accept money and hold for XXXX months on an account that closed in XXXX? No, one could respond and said I had to pay the {$93.00} in interest on the open account regardless of their mistake.

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