vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 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: Bilt Technologies, Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding a billing discrepancy on my XXXX XXXX credit card account issued by XXXX XXXX. The balance currently shown on my account is {$13.00} higher than the total of all posted transactions. I have carefully reviewed the account and summed every posted transaction, and the total does not reconcile to the balance being reported on the account. I have attempted multiple times to resolve this issue through customer support. Specifically, I contacted XXXX customer service XXXX separate times ( XXXX phone calls and XXXX chat ). During each interaction, the representative stated that someone would follow up with additional information by email and that a supervisor would contact me within XXXX hours. However, no follow-up has occurred and I have received no explanation for the discrepancy. Despite repeated attempts to obtain clarification, no representative has been able to explain why the balance reported on the account exceeds the total of the posted transactions. A financial institution should be able to accurately reconcile and explain a customers account balance. The balance as of XX/XX/year> is showing {$13.00} higher than the total of all transactions I can identify on the account. I am simply requesting a reconciliation explaining how the current balance was calculated. At this point, I am requesting that XXXX XXXX. conduct a formal investigation into this billing discrepancy and provide a detailed accounting of the balance, including any interest, fees, adjustments, or other ledger entries that may explain the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of the South, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account that has appeared on my credit report which I do not recognize and have no knowledge of. It is extremely frustrating and distressing to suddenly discover a debt that is unverified and does not belong to me. I have also been receiving repeated communications regarding this alleged debt through multiple platforms, often using intimidating tactics and threats of possible legal action. This situation is deeply concerning and feels like harassment, especially since this debt is not mine. As a law-abiding consumer, having my rights violated in this way is both insulting and harmful, and the stress from this situation has taken a toll on my mental well-being and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the following inquiries on my credit report due to possible inaccuracies or unauthorized actions. I request verification of these inquiries and their removal if found to be incorrect. XXXX - Date : XXXX XXXX XXXX XXXX - Date : XXXX XXXX XXXX - Date : 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 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Block, Inc.
State: WA

Complaint narrative:
I got my XXXX XXXX on cashapp but I was never able to get my cash advance at all not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXCredit Bureau Dispute Department\nRE: Dispute of Collection Account Jefferson captial Systems\nTo Whom It May Concern,\nI am writing to dispute the following collection account appearing on my credit report. I do not believe this account is valid and I am requesting verification of the debt.\nCreditor/Collection Agency: Jefferson Capital Systems\nReported Balance:$XXXX\nUnder the Fair Credit Reporting Act, I am requesting that this account be investigated and verified. Please provide documentation showing that this debt belongs to me, including the original creditor information, a signed contract or agreement, and proof that the collection agency has the legal right to collect this debt.\nIf this account cannot be fully verified, please remove it from my credit report.\nPlease notify me in writing of the results of your investigation.\nSincerely,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ). Jefferson Capital sent text messages regarding an alleged debt to my spouse, who is not a co-borrower, co-signer, or otherwise legally responsible for this account. This constitutes improper third-party disclosure of debt information under 15 U.S.C. 1692c ( b ). I formally notified the company in writing to cease third-party communication and to communicate only with me by mail. Despite this, they continue attempting to collect and disclose account information through unauthorized communications. I am requesting that the CFPB investigate this conduct and require Jefferson Capital Systems to cease improper communications and comply with federal law. Based on the documented communications, this appears to be part of a pattern and practice of unlawful third-party disclosure in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( b ) ), and I request that the CFPB investigate whether Jefferson Capital Systems , LLC is engaging in similar conduct with other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year>, the debt collection firm XXXX XXXX XXXX XXXX XXXX, XXXX ( representing LVNV Funding LLC ) issued a ledger card for Case No. XXXX showing a total due of {$1000.00} This amount is a false representation of the debt for the following reasons : Failure to Credit Payments : The firm has failed to account for a {$340.00} wage garnishment taken from my paycheck on XX/XX/year>. My actual remaining balance is approximately {$720.00}, not the {$1000.00} they are claiming. My employer stated on the paystub that, with that payment of {$340.00}, the remaining balance is {$850.00}. This remaining balance doesn't match the ledger the firm sent me today : XX/XX/year>. The firm says I have a remaining balance of 1,067.14 without the {$340.00} payment. I am not receiving statements or any communication about my debt balance or payments. Nor a receipt of my payments. My evidence is the withdrawals from my account and my pay stub. Breach of Written Agreement : On XX/XX/year>, a collections manager ( XXXX ) agreed in writing to stop the wage garnishment if I made a settlement payment in monthly installments. I made a {$200.00} payment on XX/XX/year> ( p. 1 ), yet the firm breached the agreement and continued the garnishment. Violation of Court Rules : The firm has failed to provide mandatory monthly accounting statements required by Maryland Rule 3-646 ( j ). I don't have any balances prior to the one I received today, and three different people gave me three different balances. My employer : {$850.00} ; by phone : {$1200.00} ; and the ledger today : {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year>, I purchased a certified refurbished XXXX XXXX from XXXX XXXX ( seller : XXXX ) for {$160.00}, paid via PayPal Pay in 4. The device arrived Activation Locked to a previous owner completely unusable, a brick. I immediately filed a dispute with PayPal under " Significantly Not as Described. '' Despite providing overwhelming evidence ( IMEI photo, Activation Lock screenshot, XXXX XXXX receipt, tracking numbers, XXXX 's silence, voicemail proof, and screenshots of every communication ), PayPal denied my claim, closed my case arbitrarily, and then withdrew all four payments from my bank account. On XX/XX/year>, PayPal representative XXXX acknowledged my evidence and promised support. On XX/XX/year>, another representative, XXXX, closed my case in the seller 's favor without reviewing my evidence. On XX/XX/year>, XXXX from PayPal 's " Office of Global Customer Complaints & Advocacy '' sent a form letter falsely claiming the seller " accurately described the item '' a statement that is demonstrably false, as the phone was locked and unusable. I have been passed between multiple agents, ignored, and left with a defective product and stolen funds. PayPal has refused to honor its Purchase Protection policy despite clear and repeated evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am writing to formally escalate a critical failure of Marcus by Goldman Sachs to execute my explicit distribution instructions regarding my matured Marcus CD account ( Account Ending in XXXX ). Despite providing clear, documented instructions to transfer the funds to my linked external account at XXXX XXXX and acknowledgement of this by a Marcus representative, Marcus instead attempted to close the account by transferring the {$480000.00} to a legacy originating bank account that has been closed for some time. As of today, these fundstotaling nearly half a XXXX dollarsremain in limbo. I spent over an hour on the phone yesterday with both a support representative and a supervisor ( XXXX ). Neither was able to provide a timeline for the recovery of these funds or a confirmation that a reversal has been initiated. I am requesting the following immediate actions from Marcus : Provide the XXXX ( Input/Output Message Accountability Data ) reference numbers for the attempted transfer so that I may coordinate with the receiving institutions wire department. Confirm that a formal " Recall of Funds '' request has been sent to the receiving bank due to the account being closed. Ensure the funds are redirected to my specified linked account immediately upon their return to Marcus. I have also requested that Marcus make all future correspondence regarding this matter writing via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year>XXXX noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: AL

Complaint narrative:
I mailed and submitted loan repayment form ( XXXX XXXX ) to XXXX XXXX in XX/XX/XXXX, in order to have them reviewed signed and mailed to military facility to begin a loan repayment program. XXXX XXXX never sent the documents and I called multiple times and received multiple lie about them sending the documents. I resubmitted the documents multiple times. I resubmitted the documents in XXXX XXXX again in hopes to get them signed and mailed to the XXXX facility. I have again received multiple lies about them not receiving the documents and not being able to see the documents in their emailing system. The company is actively preventing me from paying my loans off. They will also not send any of our correspondence to show where I have called, emailed and uploaded the4 same documents for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TN

Complaint narrative:
Incident Statement Phone Call With IQ Data XXXX Date : XX/XX/year>XXXX Approximate Time of Call : Between approximately XXXX XXXX and XXXX XXXX Company : IQ Data XXXX ( calling on behalf of XXXX XXXX ) On the evening of XX/XX/year>, I received a phone call from a representative of IQ Data XXXX regarding an alleged balance connected to XXXX XXXX The call occurred sometime between approximately XXXX XXXX and XXXX XXXX. I do not know the name of the representative who contacted me. During the call, I explained to the representative that I could not afford to pay the balance that he was requesting. In response to me explaining my financial situation, the representative stated words to the effect of : Well, you have enough money to do everything else though. He then continued to press me by asking if I had any money to pay that day. This comment caught me very off guard and felt extremely disrespectful and inappropriate given that I had just explained that I could not afford the payment. The conversation then went back and forth between us for a short period while still on the recorded line. I felt that the tone of the conversation became uncomfortable and unprofessional. Because of how the call made me feel, I later called the company back to try to speak with someone at the corporate level to report the interaction and express my concerns about the conduct of the representative. During that call, I was told that the call would be reviewed and that the necessary steps would be taken if any unprofessional behavior or harassment had occurred. However, the representative I spoke with quickly shifted the conversation back to asking for my account number and attempting to collect the debt rather than focusing on my complaint. I want to note that I am currently going through an emotionally difficult time, as I recently lost my father. Because of that, the tone and comments during this call affected me more deeply and made an already difficult day even worse. To my knowledge, the original phone call was recorded by IQ Data XXXX, and that recording would reflect the statements made and the overall tone of the interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AL

Complaint narrative:
I am filing this complaint because my Credit Karma Money account has been frozen for 7 days and I have been unable to access my funds. I was not given any meaningful explanation for the restriction. I have attempted multiple times to contact Credit Karma customer support regarding this issue. Each time, a case has been created but no one has responded or resolved the issue. My funds are currently being held in this account and I rely on access to them for everyday expenses such as transportation and basic living costs. Credit Karma has effectively blocked access to my own money without providing a clear explanation, timeline, or resolution. Customer support has not been able to assist me, and my inquiries have gone unanswered. I believe it is unreasonable and potentially unlawful for a financial service provider to restrict access to a consumers funds without timely communication or resolution. I am requesting immediate regulatory assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: GA

Complaint narrative:
I am submitting this complaint regarding unauthorized transactions on my Chime account that were incorrectly denied during the dispute process. Beginning in XX/XX/XXXX, a large number of transactions appeared on my Chime account from a merchant listed as XXXX. In total, there were approximately 137 separate transactions that I did not authorize or make. These transactions occurred while I was XXXX in XXXX XXXX I was XXXX from XXXX until my release on XX/XX/XXXX. Because I was in custody during the time these transactions occurred, it would have been impossible for me to access my account, use my debit card, or authorize any purchases from XXXX or any other online merchant. After discovering the unauthorized transactions, I immediately reported them to Chime and filed a dispute for all of the fraudulent charges. I also provided documentation from the Federal Bureau of Prisons confirming my XXXX and my release date to prove that I could not have authorized the transactions. Despite this documentation, Chime denied my dispute. I do not understand how these charges could be considered authorized when there is clear documentation showing that I was XXXX at the time the transactions occurred. These transactions appear to be fraudulent and were not made by me or with my permission. I am requesting that this matter be reviewed again and that a full investigation be conducted into the unauthorized transactions. I am also requesting that Chime provide the evidence or documentation that was used to determine that these transactions were authorized. Because I was XXXX during the time the transactions occurred and provided official documentation confirming this, I believe the denial of my dispute was incorrect. I am asking for assistance in having Chime reopen the investigation and credit my account for the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Court Case : Jefferson Capital Systems XXXX XXXX XXXX XXXX, Case No. XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XXXX, Place XXXX Order : Motion to Dismiss Without Prejudice, signed XX/XX/year>XXXX Despite the court dismissal of this account, it continues to appear on my credit report as a Collection/Charge-Off. This reporting is inaccurate, incomplete, and unverifiable, violating the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation