vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 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 2026-05-29 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I filed disputes with XXXX bank about money being taken out my account sometime in XXXX of 2026. First off it took XXXX days for them to come up with the conclusion to deny my dispute when XXXX laws state if the investigation takes more than 10 business working days the bank supposed to give me a provisional credit. Then I asked them how did they come up with their conclusion, they never gave me an answer and told me the decision was final.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XX/XX/year>2026 Re : CFPB XXXX Number : XXXX BBB Complaint Number : XXXX To Whom It May Concern, Thank you for your response regarding my complaint against Ally. However, I respectfully disagree with Allys position that the account was handled appropriately under the terms of the contract. The primary issue remains that the extended service contract coverage was not honored in the manner represented at the time of purchase. As a result, I was left responsible for significant vehicle issues and expenses that I could not afford. Due to the financial hardship caused by the denial of coverage and lack of adequate resolution, I was ultimately forced to get rid of the vehicle. Had the extended protection contract been honored properly, I may have been able to retain the vehicle and avoid these losses. I am requesting that Ally reconsider my complaint and review whether reimbursement or compensation is appropriate based on the circumstances surrounding the denied coverage and the resulting financial damages. I appreciate your time and request that this matter remain open for further review. Sincerely, XXXX XXXX XXXX Mt. XXXX XXXX XXXX XXXX, GA 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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: PA

Complaint narrative:
I had purchased furniture ( table/chairs and sectional couch ) from XXXX XXXX in XXXX, PA ( which has closed some time ago ) and was financed through American First Finance for {$3000.00} I was unable to continue paying on my balance with them due to changes in my spouse 's employment resulting in less funds we were receiving each month as well as the high interest rate, over 160 %. Due to my failure to pay, the debt was sent to XXXX Debt Collection and at that time due to the interest, the balance had reached {$5000.00} I had requested a settlement offer through XXXX Debt Collector who claims that American First Finance approved the settlement offer of {$2500.00} to which I was to pay $ XXXX until it was paid off. I paid this on-time consistently apart from one request to delay the payments which increased my payments to $ XXXX which again continued to be made on-time. I paid {$1200.00} total toward that balance leaving me with {$1300.00} remaining to be paid for that settlement. On XX/XX/year>26 I attempted to make my next payment and saw that XXXX no longer owned my debt and that it was bought back by American First Finance. I contacted American First Finance on the same day and they stated that they were not honoring the settlement agreement I signed with XXXX, which American First Finance had approved of, and that I owed the original balance minus the payments I made with XXXX Debit Collection. The balance now they claim is {$3900.00}. I never received any notice from either company that my debt had been bought back by American First Finance or that my settlement agreement was no longer valid. There was no phone call, text message, email, or physical mail. Despite stating to American First Finance that I had a settlement with XXXX that was approved by American First Finance, they claim that by buying my debt back it voided any settlement offers from XXXX since the debt no longer belongs to them. American First Finance also stated that unless I paid the entire balance in one payment, it would go to another collections company and would bounce back and forth between collections and American First Finance until the balance was paid. I had requested documentation from both companies over a week ago via phone calls and have not received any of the information. I have since made another request to each company via their websites.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XXXX XXXX has charged twice on my credit card for the amounts. I have file complained with XXXX also - XXXX refernce number for complaint. I have made disputes with American express credit card also- with no luck. there are charges on my card - XXXX XXXX - XXXX ( this amount is charged twice ) same day - XXXX XXXX I had called XXXX - XXXX - 5 times- on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XXXX also i created complaint online ( above i have the referenec number ) As a consumer and customer of American express company- they must help me to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I am formally requesting validation of the alleged debt mentioned in your recent correspondence, including the identity of the original creditor, the total amount allegedly owed, supporting documents establishing my responsibility for the account, and evidence that your company has the legal authority to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
XX/XX/year> deducted from XXXX XXXX XXXX. I tried to contact them by phone but they only have email that I did not make a charge. They replied after I emailed them several times that they would look into it and never got back. At the same time I disputed the charge with XXXX XXXX in XXXX and was given the XXXX provisional credit in XXXX and XXXX canceled my card and issued another card. I called to ask why they took the money back they said it was a valid charge. I said what shows that its valid they said if the bank cant retrieve the funds from the merchant they consider it valid and cant return my money. I said so if I loose my card and someone charges XXXX and the bank cant get that money back I loose all my money they said yes. I looked up the merchant name and he was sentenced to 10 yrs in prison for other activity and 2 years for credit card fraud. The bank didnt care. I filed another dispute.

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 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I attempted multiple times to redeem my AAdvantage miles for a hotel booking through AAdvantage Hotels. Each attempt resulted in the same error message instructing me to contact AAdvantage Hotels support. I followed the instructions exactly and contacted the support number shown in the error message. During these calls, I was told that there had been a security issue with my account that required escalation, but that the issue had been resolved and I was cleared to book. I received similar assurances by email. Despite these repeated confirmations, every booking attempt continued to fail with the same error. Because of these failures, I was unable to redeem my miles for the hotel I originally intended to book, which sold out while I was waiting for the issue to be resolved. I was ultimately forced to book a different hotel directly and pay {$440.00} out of pocket, even though my miles should have covered a substantial portion of the cost. I provided AAdvantage Hotels with documentation, including the error screenshot, the hotel invoice, and the full email thread showing the repeated assurances that the issue was fixed. After reviewing my case, XXXX XXXX declined to offer compensation or restore the miles I was prevented from redeeming. I am requesting assistance in obtaining either a credit of the miles I was unable to redeem or partial reimbursement to reflect the financial loss and the time spent attempting to resolve this issue.

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 2026-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: West Law Group, PLLC
State: FL

Complaint narrative:
The breakdown of the amount owed is {$3900.00} for the current judgment balance plus 25 % receiver fees. There is also post judgment interest accruing at 5 % per annum. So the current total balance is {$5100.00}. No notice of lawsuit No notice of judgment Account frozen years later Request proof of service and debt validation This is what the company is asking of me from a XXXX dollar cash loan from XXXX XXXX in XX/XX/XXXX. They stated I was served and did not show up court. I was found guilty and now in XXXX they froze my bank Im held of household. I cant pay my rent or buy anything.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
on XXXX XXXX, 2026, a scammer hacked someone on my XXXX account listing items for sale. I was interested in one of the items for sale this person which I believe to be not a hacker but the original person posting these items speaking to them through XXXX getting information about the products and where they were located was in full belief that I was speaking to the person, XXXX XXXX XXXX. It was stated that her family member had to go into a care facility and was selling his items to help pay for that. She would not be back in town until XXXX when we could pick up the refrigerator that I was wanting to buy in order to do that and hold the item I was to go ahead and pay her which I was in full 100 % belief that it was her which I have known this person for over 20 years the person on XXXX, who I believed was XXXX XXXX XXXX gave me a Venmo that I was to send the money to which I did that and shortly after this happened, she quit talking to me and would not answer her phone. I quickly realized it was a scam and that she had been hacked. I immediately contacted Venmo. The transaction was still pending, and I reported a claim that it was fraud that I paid for something I never got it and it was the wrong person and I got scammed. They denied my claim by the next day and awarded the other person, the money, and then proceeded to make XXXX more disputes and claims about this incident still getting turned down with over XXXX pages of proper documentation please report case Number also filed with the XXXX Venmo is still denying giving me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Hello, I had an Amex credit card in 2022, prior to joining the XXXX XXXX on XX/XX/year>. The interest rate is about 27 % and I just got information that the consumer financial protection Bureau can help me speak to the company to lower the interest rate to 6 % for XXXX XXXX personnel. The company has been amazing but I just need the interest rate lowered. Thank you. Best Regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 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: CITIBANK, N.A.
State: MO

Complaint narrative:
On XXXX XXXX, 2025, I was charged {$5300.00} by a foreign subsidiary of XXXX XXXX XXXXl. My documentation shows that charge should have been {$550.00}. I disputed the remaining amount with Citi by filing a formal dispute in their system ( XXXX ). I was immediately credited the requested {$4800.00}. However, a reversal of {$4200.00} by XXXX was allowed on the same day. My formal dispute of {$4800.00} proceeded and eventually Citi found in my favor and made that credit permanent. The problem is that the allowed reversal lowered the actual amount of the credit to {$550.00}, which was the exact amount I was not disputing from the original charge. Since that original error I have requested an audit of my account as well as placed at least 7 phone calls trying to resolve the issue. The audit produced the spreadsheet I have attached, which doesn't provide any useful information. The calls have produced a stream of customer service agents who agree with me after walking them through the whole scenario. Each of these calls ends though with a customer service supervisor telling me they see the issue but must submit it to their investigators, who they say should follow up with me in 5-10 days. I have not to date received a single call back from an investigator.

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 2026-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Mortgage loan with Rocket Mortgage ( RM ). We refinanced with another mortgage company in XX/XX/year> and our loan with RM was paid off. We were told to give RM XXXX days, and we would be getting an escrow refund. Called RM on XXXX/26 to inquire about our refund ( Virtually impossible to get a live person to talk to ). They said that XXXX checks were mailed on XX/XX/scrub>XXXX/26 and to give it XXXX business days. Called back on XXXX/26 letting them know it's been over 20 days, they said to give it a few more days. Called again on XXXX/26 at 30 days and was told I would need to email XXXX with my loan information, amount owed to us, and a copy of a voided check and they would send our refund direct deposit. I sent them an email, as suggested, on XX/XX/year> and received a response on XX/XX/year> stating they would have to do additional research on our account, and we would hear back within 7 days. I then received another email the same day stating they were forwarding my information to their " escalation team '' and we would hear back within XXXX business days. It is now XXXX/26, a total of XXXX business days and no resolve. We are expecting an escrow refund in the amount of {$3400.00} and an additional over payment of {$380.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding claim # XXXX closed on XX/XX/XXXX. A XXXX XXXX in my household accidentally charged {$150.00} to my card without my permission on XX/XX/XXXX. I received no goods or services from this transaction. The merchant refused to help, and Wells Fargo closed my dispute without contacting 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 2026-05-29 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: NC

Complaint narrative:
I signed up for a XXXX free trial for the XXXX XXXX XXXX subscription through Apple. The trial ended on XX/XX/XXXX, and I cancelled the subscription on that same day. Despite canceling before the renewal date, I was charged {$29.00} on XX/XX/XXXX. I submitted refund requests through Apple on XX/XX/XXXX and XX/XX/XXXX, but both were denied. I raised concerns that charging a consumer after a timely cancellation may be an unfair or deceptive billing practice ( XXXX ), but Apple still refused to issue a refund. I attempted to resolve the issue through Apple XXXX, but they kept directing me back to the same refund system that had already denied my requests. This has created a closed loop where I can not correct a billing error for a charge that occurred after cancellation. - XX/XX/XXXX XXXX the XXXX XXXX XXXX free trial on the last day of the trial period. - XX/XX/XXXX Charged {$29.00} despite cancellation. - XX/XX/XXXX and XX/XX/XXXX Submitted refund requests through Apple ; both were denied. XX/XX/XXXX - I contacted XXXX using the email listed in the app, but the inbox is inactive and returned an automated noreply message. I attempted to dispute the charge with Apple Support but they stated they could not assist because the subscription was billed through Apple and directed me back to Apple, even though Apple had already denied the refund. Apple is both the subscription merchant and the payment channel, and neither party will correct the billing error or allow me to dispute the charge, leaving me with no path to resolution. I am requesting assistance because I canceled the subscription before renewal, was still charged, and neither Apple nor the card issuer will allow me to dispute or correct the billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Order # XXXX was placed on XX/XX/year>2019 on https : //www.musicgear.me/ I was waiting months for my order and the company was making excuses on inflation in XXXX that time so i gave it a time after months XXXX sent me ( delivered ) message which i didnt receive anything that time, i called the bank to dispute and im still stuck calling them for same issue with same replies from them nothing changed wgile i keep paying my american express now i XXXX XXXX get my money back and close amex for good

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I am formally disputing the following account as fraudulent and the result of identity theft pursuant to the Fair Credit Reporting Act, including FCRA XXXX. I have an official police report documenting the identity theft activity that occurred during XXXX, and I have already notified the credit bureaus regarding this matter. I am providing only the police report as supporting documentation for this dispute. I recently became aware that correspondence related to this account was being sent to my parents address, which remained associated with my records as a mailing address despite the fact that I had not resided there for several years. This fraudulent activity has caused significant harm to my consumer report and financial standing. I am requesting that this tradeline be immediately blocked and permanently removed from my consumer file pursuant to FCRA 605B. Please note that I dispute the accuracy and validity of any verification associated with this account and request a complete reinvestigation. Additionally, I request copies of all documents and records relied upon in verifying this account, including : * Complete method of verification * Original application and signature records * Associated IP/device information * Linked phone numbers and email addresses * Any documents or records used to validate this account I can Attach the following supporting document : * Police report * ID theft report Please conduct a reasonable investigation and provide written confirmation once the account has been blocked and removed from my consumer report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Asked for the purchase agreement signed by all parties, Asked for a debt validation letter, and to send all communications in writing. The company proceeded to hang up on me on both times I tried to ask for this

Company response to consumer: Closed with non-monetary relief