vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MS

Complaint narrative:
In XX/XX/XXXX, I discovered that a personal loan account with XXXX in my name was opened fraudulently and was the result of identity theft. I immediately filed identity theft and fraud reports with the FTC and CFPB on or about XX/XX/XXXX and disputed the account with the credit bureaus. XXXX later emailed me admitting they had a mail room error that delayed sending me a fraud packet, and then refused to investigate my fraud/identity theft claim because their own error caused the packet to be late, leaving the fraudulent account to remain on my credit without a proper investigation. 

Despite these fraud reports and disputes, a debt buyer, Crown Asset Management , LLC, later purchased this same disputed account and is now trying to collect approximately {$7400.00} on a debt that I do not owe and that originated from identity theft. On XX/XX/XXXX, Crown Asset Management filed a lawsuit against me in XXXX XXXX XXXX XXXX ( Case No. XXXX ) to collect on this fraudulent account, even though the original creditor refused to investigate and there has never been any proof that I opened or authorized this loan. I have disputed this debt, raised identity theft in my court response, and requested verification, but XXXX has continued collection activity and litigation without providing proper documentation or a reasonable investigation, which I believe violates the Fair Debt Collection Practices Act and CFPB debtcollection rules, as well as Mississippi consumer protection and debt collection laws that prohibit unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have been going through emotional distress with Goldmansachs credit card. I received a message on XX/XX/XXXX that I have a monthly balance of {$45.00}, prior to that, they claimed that I have {$100.00}. XXXX on XXXX which I paid off. 
I bought an XXXX XXXX  with a promotion for a free XXXX XXXX, which I updated to XXXX XXXX for a total charge of {$71.00} additional to my laptop installation payment of {$920.00}. Total charges came to {$1200.00}, I charger {$280.00} to XXXX XXXX XXXX XXXX XXXX XXXXat was XX/XX/XXXX. 
I kept seeing charges of {$410.00} stated is for thXXXX XXXX XXXXnd I went to XXXX and returned on XXXX, my bill was always increasing, I called to resolve the issue and I ended to close my account and return the laptop. Which make my balance to XXXX. I kept receiving balance to pay which I paid {$100.00} and another {$430.00} I have to pay again. 
I am very upset and I felt abuse for what they are retort do to me. I hope this matter resolve. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: DISCOVER BANK
State: TN

Complaint narrative:
my credit card was lost on XX/XX/year>, I didnt relize it because I thought I probably forget it somewhere, i will find it next day or week, until XXXX XXXX, ther is large transaction of {$8600.00} poped on on my accout thats the time I realized I lost the card. I called XXXX to dispute the charges, I was traveling in Utah, so I called local police, and provide discover my police report case number, than they said they need the police report from where the merchant is at, which is XXXX, XXXX, I call this police department, they wont file a police report with out a affidivat letter that is notary by court or Discover, I called Discover and ask a pdf form sent to my email, they refused. and denied my fraudulent claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
CFPB Complaint No. XXXX This complaint is a formal escalation and follow-up to my prior CFPB complaint XXXX. XXXX, originally submitted on XX/XX/2025 and sent to Midland Credit Management on XX/XX/2025. 

Since XX/XX/2025, the complaint status has remained Company response is in progress. Midland Credit Management has failed to provide any substantive response, resolution, or documentation. This prolonged non-response constitutes a failure to meaningfully engage in the CFPB complaint process and has resulted in continued consumer harm. 

Midland Credit Management obtained payments from me through deceptive practices. During a phone call involving XXXX XXXX and Midland Credit Management, I was not clearly informed that I was dealing with a third-party debt collector. I reasonably believed I was giving consent directly to XXXXXXXX XXXX. Any alleged consent was therefore obtained through misrepresentation and is legally invalid. 

After payments were made, Midland Credit Management sent me written correspondence stating that for both accounts the payments would either be refunded or declined and removed. Despite this written representation, neither action occurred. 

The payments were not refunded, both accounts remain reported on my consumer credit reports, and Midland Credit Management continues to instruct me to call them to make other arrangements, despite their prior written promise. 

The accounts involved are : Midland Credit Management Account XXXX. XXXX, original balance {$1600.00} Midland Credit Management Account XXXX. XXXX, original balance {$1700.00} Midland Credit Managements conduct includes deceptive and misleading representations, failure to honor written promises, continued inaccurate credit reporting, and failure to respond to CFPB Complaint No. XXXX. 

These actions violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and applicable state consumer protection laws. 

Requested resolution : Immediate deletion of both Midland Credit Management accounts from all consumer credit reporting agencies. 

Full refund of all payments obtained through deceptive practices. 

Written confirmation that no further collection or reporting activity will occur. 

CFPB escalation due to Midland Credit Managements failure to provide a timely and substantive response to CFPB Complaint No. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase banks will not let me open an account I will try to go and try again as to me explaining I lost my wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
Trying to communicate with TRUIST BANK is a joke, reps barely speak any English I have inquired several time with both the dealership and the lender as to were my refund is for the gap policy that we purchased. We sold the vehicle the dealership claims they turned over all the docs needed. Can't get Truist to verify anything other than yes wait for your refund. We sold this vehicle over XXXX  days ago the refund requested was submitted the next day. Were is our refund for this policy?

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 2025-12-31 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: LA

Complaint narrative:
I am formally disputing this account as fraudulent and not belonging to me. 

The account was opened without my knowledge or authorization and is the result of identity theft. I have never entered into any agreement with this creditor. 

The original creditor, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has confirmed that they no longer own the account and failed to provide proper validation. The account was sold to XXXX XXXX XXXX without proof of liability. 

Enclosed is my FTC Identity Theft Report and affidavit. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 / 605B ), I am requesting an immediate block and removal of this fraudulent account from my credit file.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My card was used without my authorization XXXX XX/XX/XXXX complaint no. XXXX amount {$250.00} by a XXXX XXXX XXXX I contacted the bank & explained the situation, being this. Driver stated he did not swipe my card as I paid cash after I realized I had enough money. He dropped me off at XXXX XXXX XXXX & I rushed to get the train which didnt help me in regards to checking but as soon as I realized I reported the transactions as fraudulent & received a refund. After XXXX  days the refund was recharged to my account. I called & was asked the car company the drivers name & car registration, I dont think many people after a taxi ride know this. I sent them a letter with the reference no. Of the police report that I made. They do not receive XXXX mails & so I faxed the fraud & cyber alert complaint number. My XXXX correspondence was hand written the XXXX was filled out by a police XXXX making this an official document, no correspondence from B of A. Ive been a customer for XXXX years & expected a lot more. My money was basically stolen from my account & I have done everything they asked me to do. You dont report a crime to the police that didnt happen & I supplied the bank with the reference no so they could reach out & confirm with the police here in the XXXX but they didnt. Again this was theft & I should not have to pay for this.

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 2025-12-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: TX

Complaint narrative:
They are punishing me for ordering a replacement card by not letting me access my funds XXXX purse was stolen so I dont have my picture id or social security card because they were both in it when it was taken im not disputing any thing there's no issues with my old card because I had already spent my own money myself when mynpurse was taken I just needed to get another debit card that's it no big deal but instead direct express has put a hold on my money till I send them a picture if my state is social security card and with certificate I can't get an appointment at the XXXX for at least 2 months and I can't make an appointment at XXXX social security because I need my picture id to be able to create an account with XXXX  so I may schedule and appointment with them to get a replacement social security card i have my new direct express debit I received in the mail and am not able to activate it so I can access my funds to oay my rent and bills I sent them pictures XXXX of a certified copy of my birth certificate and my health safe id card and proof of of address I told them this they are keeping my check from me I can't pay my rent or bills and will be home by next week XXXX on a month to lease and have XXXX babies here they have no right to keep my money from me I should be able to activate and use my own debit card I received in my own mailbox I am about to loose everything I have including my XXXX babies here my dogs which I love so much I am mourning the XXXXXXXX XXXX XXXXXXXX that passed away XX/XX/XXXX I just couldn't take XXXX it if I had to give up my other babies please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I applied online for a {$1700.00} credit loan in XX/XX/year>. As to my understanding, they advertised that they offered low and affordable monthly payments & I can pay down the loan and withdraw at any time. Then CashNet asked for a {$400.00} payment in XXXX, & a {$500.00} payment in XX/XX/year>. I noticed that the balance never changed as I made the payments. The balance went up to {$2500.00}, after my XXXX {$400.00} payment. These payments were so high for such a small loan, and the balance on the account kept going up instead of lower. I contacted them why the payments were so high and the balance never changed. The answer was that they charged $ XXXX fees on the loan which is really ridiculous. They still demanded a {$500.00} payment in XX/XX/year>. I advised CashNet that I will stop making payments & my lawyer will be contacting them. I am also reporting them for the way they are defrauding customers online with there loans. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
Jacob Law Firm is acting as the debt collection law firm for XXXX XXXX XXXX, XXXX on a fraudulent XXXX XXXX account that resulted from identity theft. The original creditor admitted to a mail room error that caused a delay in sending me a fraud packet and then refused to investigate my fraud claim because of their own mistake, so there has never been a proper investigation into whether I actually opened this account. Despite this, XXXX XXXX Firm filed and is prosecuting a lawsuit against me in XXXX XXXX XXXX XXXX ( Case No. XXXX ) to collect approximately {$7400.00} on this disputed, fraudulent account. 

I have informed them that I am a victim of identity theft, that I filed complaints with the FTC and CFPB on or about XX/XX/year>, and that I dispute owing this debt, yet XXXX XXXX Firm continues to pursue litigation without providing full verification or proof that I opened or authorized the account. By continuing to use the court system to pressure payment on a debt that stems from identity theft and that the original creditor refused to properly investigate, XXXX  Law Firm is, in my view, engaging in abusive, unfair, and deceptive debt collection practices in violation of the FDCPA, CFPB Regulation F, and Mississippi debt collection and consumer protection laws that require fair treatment and truthful, nonmisleading conduct toward consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Product : Bank account or service Issue : Deposits/ funds not received or released Company : JPMorgan Chase Bank , N.A . 
What happened ( complaint description ) : In 2023, a federal tax refund in the amount of {$97000.00}, issued in my name ( XXXX XXXX XXXX, was misdeposited into a JPMorgan Chase Bank account that does not belong to me. 
The IRS and XXXX Treasury have confirmed in writing that they are no longer able to recall or reissue the funds and that the matter is now within Chases control. Copies of this correspondence are attached. 
Despite this confirmation and despite more than XXXX years having passed, Chase has refused to release or return the funds. Chases Executive Office recently stated that the deposit was credited as instructed and directed me back to the IRS, even though the IRS has explicitly stated they can no longer act. 
Chases position creates an unreasonable dead end and results in the continued retention of misapplied federal funds that do not belong to the credited account holder. Once Chase accepted and credited the deposit, and once misapplication was confirmed, Chase assumed custodial responsibility to resolve the matter. 
I am requesting CFPB assistance to require JPMorgan Chase Bank to locate the misapplied funds and either release them to me or return them to the XXXX Treasury for proper reissuance. Chase has had more than sufficient time to resolve this matter and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
Company never sent me an email, notice or mail. I just saw a collection on my credit report. 
Payment had already been made to XXXXXXXX XXXX  but Halvey and associates refused to remove collection or update their records

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App has restricted my account and blocked withdrawals for over a month while holding my funds ( {$160.00} ). 

The app also prevents me from closing my account because I can not zero the balance. 

I contacted Cash App support multiple times and was told a specialist team would follow up, but no response occurred for 56 weeks. 

My most recent escalation case number is XXXX. 

I am simply requesting account closure and disbursement of my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a personal loan from Oportun in Florida. The amount disbursed to me was {$4000.00}. I was charged a mandatory 10 % origination fee ( {$400.00} ), and interest was calculated on the loan amount plus that fee. The contract shows an APR of 27.44 %, but the amount owed before the first payment was {$4500.00}. 

I believe the APR was not accurately disclosed and that interest was charged on money I did not receive. 

Additionally, I have repeatedly requested a copy of my loan contract and disclosures. I have sent approximately XXXX emails to Oportun requesting these documents, and they have failed to provide them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
They closed my account and are holding onto my money. I cant wait that long for them to officially close my account, then to send me my money. I just want it opened for a bit so that I can withdraw my money. Theyre holding it hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> my Chime account was fraudulently accessed and a total of {$390.00} was deducted from my account without my authorization at XXXX websites ( XXXX and XXXX ). I filed a dispute with Chime and the denied my dispute twice, even after I provided evidence that shows the websites are the same just with different logos I also wrote a statement letting Chime know that I didn't approve these transactions. I've tried contacting both merchants but there is no contact info for either merchant, I also let Chime know this info, but to no avail, they denied my dispute again anyway. At this point I'm out of almost {$400.00} and Chime isn't willing to give me money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I have late payments that I need removed I do not know the dates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally request clarification regarding the recent reductions to my credit limits across multiple Synchrony Bank accounts.

I have maintained all of my Synchrony accounts in good standing. I have never made a late payment, I do not carry high balances, and I consistently pay off promotional 0 % interest offers well before the promotional period ends. My monthly usage on these accounts is modest and responsible. 

Despite this positive payment history, I have noticed repeated credit limit decreases, which negatively impact my credit profile and create the appearance of elevated risk where none exists. I am concerned that these actions are being taken without clear justification or transparency. 

I respectfully request the following : A written explanation of the specific factors used in determining my recent credit limit reductions. ( I have received the letter of decreased credit but still does not justify ) Confirmation of whether these decisions are based on my individual account performance or broader internal risk adjustments. ( when I have clearly been up to date on my accts ) Clarification on whether maintaining multiple Synchrony accounts is contributing to these reductions. ( then why are you approving my credit applications, then stop approving them as this is becoming enigmatic ) Guidance on what actions, if any, I can take to prevent further adverse changes. 

I value responsible credit management and expect fair treatment reflective of my payment history. I appreciate your prompt review and response to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation