vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because inaccurate information is being reported on my credit report. I have disputed this account multiple times with the credit bureaus and the company reporting the information, but the inaccurate information continues to appear. Under the Fair Credit Reporting Act, I have the right to have inaccurate or unverifiable information removed from my credit report. The company has failed to properly investigate my disputes and continues to report information that I believe is incorrect and can not be verified. I am requesting that this account be fully investigated and permanently removed from my credit report if the company can not provide proper verification, including a signed contract or documentation proving the debt belongs to me.

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: 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
In the end of XXXX, I had paid XXXX Credit card company off. I made charges and everything I purchased was returned! Because the credits and my payments are showing up in the transaction summary part of my statement it is put on my bill as transactions! if you add up all the credits and the payments it comes to the amount in the transaction section. This has been going on for a while. I have tried to contact them XXXX times and just have been shuffled around. This is illegal what they are doing everything was taken back my card should have no bill due. They are saying I charged XXXXsome-odd dollars that month and that is what it came to with the credits and the XXXX payment. I am still having to pay this card because if I do not it will ruin my credit. THIS IS ILLEGAL PRACTICE AND THEY SHOULD BE TAKEN CARE OF! PLEASE LOOK AT ALL STATEMENTS TO UNDERSTAND

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, my Cashapp account was accessed without my knowledge or permission. During this time, the unknown party used my entire account balance including savings to purchase bitcoin under an unknown account. In addition to using the funds I had, this unknown party also took out several cash advance loans under my account and purchased even more bitcoin under an unknown account. Ive detailed the transactions below. Loans 1. ) XX/XX/XXXX - {$350.00} 2. ) XX/XX/XXXX - {$220.00} 3. ) XX/XX/XXXX - {$73.00} XXXX Purchases 1. ) XX/XX/XXXX - {$3200.00} + {$32.00} Fee 2. ) XX/XX/XXXX - {$350.00} + {$6.00} Fee 3. ) XX/XX/XXXX - {$140.00} + {$2.00} Fee 4. ) XX/XX/XXXX - {$290.00} + {$5.00} Fee Total Cash Theft = {$3300.00} Total Credit Theft = {$640.00} Total Cumulative Theft = {$4000.00}

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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Right before XXXX I noticed charges on my credit card from XXXX XXXX ( {$29.00} ). I called XXXX and they said I needed to dispute it with my bank. I did so, canceled my credit card and got a refund. Then the charges were there again in Late XXXX. Once again canceled my card. I went into the bank to speak to someone who asked me to try resetting my XXXX. The charges were there again in XXXX, once again had to cancel my card. Now in XXXX, again. I sent an email to XXXX at the bank ( XXXX ) on XX/XX/XXXX, saying I want to file a formal dispute, not just cancel my card. I want an immediate permanent merchant block, reversal of the charges, and confirmation that automatic card updater service for this merchant are disabled. I asked for confirmation of the dispute and the steps being taken to resolve the issue.I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX in XXXX offers me the easy pay loan to pay for fixing my worktruck but i end up doing a complaint with the XXXX XXXX XXXX because they didnt do any repair at my truck and wants to charge a lot of money and when I talk to the representative i stop paying the loan until the complaint against the auto repair shop is solved the XXXX XXXX XXXX representative called me and updated me that the owner of the shop is not responding back about the complaint and I refuse to pay a loan until the problem is solved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
They have a line of credit product that they say you deposit {$200.00} and they give you a line of credit for {$1000.00}. Well I paid the {$200.00} only to find out I have a {$900.00} debt after I paid them {$200.00}. I tried to cancel with them I can not. I the charge my bank {$44.00} 2 times a week Ive tried diluting charges with my bank and the bank will not allow the dispute just keep allowing these people to charge my account. But I just want the agreement terminated and removed from my credit report. Further more how is a financial institution like this even allowed to do business. Apparently they have a million and one schemes to over charge people. Can someone help

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: 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:
The loan servicer is using deceptive statements to encourage borrowers to move their payment due date ahead rather than apply over payments to their principal. Their website states that moving their due date forward will save them money and does not make a similar statement for applying overages to their principal. In fact they don't even refer to it as applying overages to principal, they ask if you would like to be billed in full for the next months payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
The agency failed to provide proof of ownership, chain of title, or the original signed contract. Debt remains unverified without payment history or balance breakdown.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To whom it may concern, I am submitting this complaint regarding a fraudulent XXXX transfer from my XXXX XXXX checking account. I was approached by an individual who asked me to enter his contact information so I could send him {$400.00}. Because I did not have my glasses, I briefly handed him my phone to enter his details. I believed I was sending the payment to the person standing in front of me. After completing the transfer, I realized the payment had been redirected to a different recipient and that I had been the victim of a social engineering / imposter scam. I reported the incident immediately to XXXX and XXXX and filed a police report. Initially I was told nothing could be done because I pressed the send button. XXXX has now indicated that they are investigating the matter. I am requesting that the bank properly investigate the transfer as a fraudulently induced payment under Regulation E of the Electronic Fund Transfer Act and attempt recovery of the funds. I am submitting this complaint so the matter is formally documented and reviewed.

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 company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: CA

Complaint narrative:
An Upgrade Inc line of credit account ( account number XXXX, opened XX/XX/XXXX ) was charged off in XX/XX/XXXX with {$650.00} written off. Upgrade Inc sold this debt to XXXX XXXX XXXX, as confirmed by the historical information on my credit report. Despite selling the debt, Upgrade Inc continues to report this account as a negative item on my credit report, which is a direct violation of the Fair Credit Reporting Act. Under FCRA 623 ( a ) ( 2 ), once a furnisher sells or transfers a debt, they are required to notify the credit reporting agency and update or delete the account accordingly. Upgrade Inc has failed to do this. They no longer own this debt, have no legal standing to continue reporting it, yet the account remains active and derogatory on my report under their name. I disputed this account and XXXX completed a reinvestigation in XX/XX/XXXX. The result states " Completed investigation of FCRA dispute consumer disagrees '' and " Purchased by another lender. '' This notation confirms XXXX is aware the debt was sold, yet the account remains reported by Upgrade Inc . This is a knowing and willful violation of my rights. The first date of delinquency was XX/XX/XXXX, meaning the 7-year reporting window under FCRA 605 ( a ) ( 4 ) requires removal no later than XX/XX/XXXX. However, the continued inaccurate reporting by a furnisher who no longer owns the debt, combined with the failure to properly update the account status after sale, constitutes violations of FCRA 623 ( a ) ( 1 ), 623 ( a ) ( 2 ), and California CCRAA Civil Code 1785.25. This unlawful reporting has directly caused denial of business financing, lost revenue, and significant emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed written debt validation requests to several debt collectors that are reporting collection accounts on my credit reports. I sent these requests after discovering multiple collection accounts listed under my name that I wanted to verify for accuracy. The companies I contacted include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. My letters requested validation of the alleged debts and documentation showing that each company has the legal right to collect and report the accounts. In response to my request, XXXX XXXX XXXX sent documentation that appears to show an agreement between myself and the original creditor. However, the documents provided do not include any bill of sale, assignment, or other documentation demonstrating that National Credit Adjusters purchased or was legally assigned the debt. As of today, the other debt collectors have not yet provided validation of the debts. Despite this, these companies continue to report the accounts on my credit reports. I am requesting that each company provide proper documentation validating the alleged debts, including documentation showing the chain of assignment and proof that they have the legal authority to collect these accounts. If they can not provide this documentation, I am requesting that the accounts be removed from my credit reports. I am submitting this complaint because I believe it is important that companies reporting debts on consumer credit reports provide accurate documentation and verification of the accounts they claim to own or collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
FBI IC3 Statement : Account Takeover & {$170000.00} Wire Fraud On XX/XX/year>, I was targeted by a sophisticated impersonation scam. Between XXXX XXXX and XXXX XXXX, I received two calls from an individual posing as my actual Citibank Relationship Manager, XXXX XXXX, calling from a verified ( currently assumed Spoofed ) Citibank Number : XXXX The caller had access to my private Citibank account data, including the name of my Relationship Manager and my exact credit limits. He claimed my {$3000.00} overdraft protection was expiring and offered to increase it to {$5000.00}, and then later to {$12000.00}. He said he was sending a security code to process this. I provided the codes, believing I was speaking to the bank. At no time did he mention a wire transfer, and I never authorized any movement of funds. The Theft & Damage : The perpetrator used these codes to take over my account and change my husbands ATM card credentials. We only discovered the theft on XX/XX/year> at around XXXX when my husband was locked out of his account at a branch. A Citibank teller confirmed that an unauthorized wire transfer of {$170000.00} was sent from our money market account to a XXXX XXXX XXXX account in New York ( Routing : [ XXXX ] / Account : [ XXXX ] ). Note Worthy : The perpetrator called from a bank phone number and demonstrated knowledge of internal bank data before I provided any codes. The login occurred on a new, unrecognized device and likely from a foreign IP address ( Citibank should have these logs ). The transfer is a 100 % anomaly for our XXXX account history. I am asserting my rights for error resolution under Regulation E ( 12 CFR 1005.11 ). I am requesting that the FBI trace the recipient account at XXXX XXXX XXXX and investigate the potential internal data compromise at Citibank that allowed the thief to know my Relationship Manager 's identity. The perpetrator impersonated a verified Citibank Vice President, XXXX XXXX ( XXXX # XXXX ), and we assume spoofed the phone number of the XXXX XXXX XXXX branch ( XXXX ). This indicates a targeted attack against this specific officer 's client list. ''

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 — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to dispute the alleged debt you are reporting on my credit report. Creditor : Jefferson Capital Systems Balance Reported : {$10000.00} This account relates to an auto loan that was repossessed and sold at auction. However, the balance currently being reported does not reflect any adjustment from the auction sale proceeds. Under the Fair Debt Collection Practices Act, I am requesting validation of this debt. Please provide the following : A copy of the original signed auto loan agreement Documentation showing the vehicle was sold at auction The auction sale price A detailed calculation of the deficiency balance Proof that Jefferson Capital Systems has the legal right to collect this debt Complete payment history of the account Until this debt is properly validated, you must cease reporting this account to the credit bureaus. If you can not provide the requested documentation, I request that this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This is not a duplicate complaint. This issue remains unresolved because Caine & Weiner continues to report an unvalidated collection account on my credit report. The account being reported is Caine & Weiner Account XXXX Collection {$760.00} ( Original Creditor : XXXX ). I have never had an account with XXXX, and I have no knowledge of this alleged debt. The first violation occurred when this collection account appeared on my credit report without me ever receiving the required written notice of the debt. Under FDCPA 1692g ( a ), a debt collector must send written notice within XXXX days of initial communication that includes the amount of the debt, the name of the creditor, and the consumers right to dispute the debt. I never received this notice before the account was reported to the credit bureaus. After discovering the account, I formally requested debt validation. Caine & Weiner later claimed that validation was mailed on XX/XX/year>, yet I still have not received any documentation, and it is now XX/XX/year>. If the company truly has validation available, it should be able to attach that documentation directly to this CFPB complaint response. Simply stating that something was mailed is not proof of notice or proof that lawful validation exists. Proper validation of a debt requires documentation such as : A copy of the original agreement or contract with the original creditor ( XXXX ) A complete itemized accounting explaining how the balance of {$760.00} was calculated Documentation proving the debt belongs to me Proof of Caine & Weiners authority to collect the debt, including assignment or chain of ownership Documentation showing that the required FDCPA notice was sent prior to credit reporting An invoice or statement is not proper validation of a debt under federal law. It appears that Caine & Weiner may have purchased accounts from XXXX, but when a debt is purchased the collector must also obtain the documentation necessary to validate the debt and prove that it belongs to the consumer they are attempting to collect from. Based on my research and the lack of documentation produced, I do not believe this company has that validation. Because of this conduct, I have also filed complaints with the Federal Trade Commission and my State Attorney General regarding this matter.

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: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this formal complaint against Bank of America for willful and egregious violations of federal and state law, including consumer protection, identity theft, fair credit reporting, and constitutional rights. On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, during which my Social Security Number, personal identification, phone number, address, and Bank of America account information were stolen. A second kidnapping occurred in XX/XX/XXXX. Using this stolen information, Bank of America opened and maintained fraudulent accounts in my name without my authorization. Bank of America then closed my legitimate account illegally, failing to conduct a true investigation or acknowledge my identity theft. Their actions have caused : Denial of multiple personal and business credit opportunities Severe emotional distress and financial damages Increased APR rates and financial penalties due to fraudulent reporting Legal Basis Bank of America has violated multiple statutes, regulations, and constitutional protections, including : FCRA 605B, 609, 611, 611 ( a ) ( 3 ), 623 failure to investigate, failure to remove fraudulent tradelines, illegal reporting TILA & Equal Opportunity Credit Compliance ( EOCC ) misleading and illegal account information affecting credit access Identity Theft Protections ( FTC & SSA ) unauthorized use of personal identifying information Constitutional Violations Due Process, Equal Protection, and other amendments ; deprivation of property, credit, and business opportunities State Laws emotional distress, negligent/fraudulent reporting Bank of America has XXXX XXXX. Willfully reported inaccurate, fraudulent, and unverified account information XXXX. Ignored my identity theft reports and official documentation XXXX. Denied my statutory rights under FCRA, TILA, and EOCC XXXX. Caused measurable financial, business, and emotional harm

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