vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MN

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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: TN

Complaint narrative:
I was notified by letter that my account ( which is my social security deposit ) was frozen due to suspected fraudulent activity. I was unable to access the account online and spent collectively XXXX hours on hold to speak to an agent. When I finally got an agent she said that she couldn't see the details that I would have to verify my identity by email. I sent a copy of my license but it was expired so they rejected it. Next I sent copies of my social security card front and back and my birth certificate. They said they couldn't read it, but it was very clear images. I resubmitted it and they said they still couldn't verify my account so I should " step in '' to the social security office. Over {$1000.00} of my money is tied up there and I NEED it to pay my bills. Its always been impossible to get in touch with customer service to make inquiries or update information. The account website usually either just buffers or says that I should try back later, and a replacement card once took 9 weeks to reach me. The Direct Express Card was offered in a social security message as an alternative to a checking account so I trusted it. I am really sick over this. The elderly shouldn't be subjected to this kind of unnecessary stress. A regular bank would have resolved the issue within a day. If they're " protecting me '' from fraud I would rather take my chances with the fraudsters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the harassing and unlawful debt collection practices being conducted by Ally Auto Finance. Specifically, I have been receiving multiple phone calls from collection agents based in XXXX XXXX, attempting to collect on a debt that has already been paid in full. I have included the original contract, the full amount paid to Ally Financial along with their ledger of payments, and other important information. Despite this, Ally Financial continues its collection efforts for a debt that has been fully satisfied. Upon reviewing the ledger from my auto account, I discovered that payments were not properly allocated between finance charges and principal. Over the course of XXXX payments, the ledger shows that only {$4000.00} was applied to the loan principal, while the remaining {$31000.00} was allocated to finance charges. Additionally, extra payments made were not credited toward the principal. The ledger even designates principal payments in the finance box instead. The vehicle was voluntarily surrendered in XX/XX/year> due to the cost of repairs exceeding the XXXX XXXX XXXX ( XXXX ) value. Following this, Ally Financial claimed there had been an accident and appears to have placed a XXXX insurance claim for a total loss while simultaneously continuing to collect money from me for a debt that was already paid in full. I have requested additional records and debt validation with supporting documentation, but Ally Financial has failed to provide this information. Furthermore, they do not have a license or a bond for collections in the state of Texas, which raises serious legal concerns regarding their collection practices. I request that your office investigate this matter to determine whether Ally Auto Finance, or its affiliated collection agencies, are engaging in unlawful or deceptive collection practices. Additionally, I would appreciate guidance on any steps I can take to formally dispute these collection efforts and prevent further harassment. Please let me know if any further information is required to assist with your investigation. I appreciate your time and attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
am disputing a collection account being reported by XXXX XXXX XXXX related to an alleged XXXX XXXX account. The debt being reported is {$3900.00} and is allegedly connected to a XXXX account opened in XX/XX/XXXX. I do not recognize this account and did not authorize any such account. There are multiple inaccuracies and inconsistencies in how this account is being reported. XXXX. The account appears to be duplicate reporting of the same debt under both XXXX XXXX and XXXX XXXX XXXX. XXXX. The reporting is inconsistent across the credit bureaus. Equifax reports both XXXX and XXXX XXXX. Experian reports XXXX XXXX. TransUnion does not report the account at all. XXXX. I currently have an active XXXX XXXX account opened years later, which suggests this alleged account XXXX belong to someone else or XXXX be a mixed credit file. XXXX. The collection account was allegedly assigned to XXXX XXXX on XX/XX/XXXX, but the original account activity allegedly occurred in XXXX. XXXX. I have requested validation of this debt and documentation showing that I opened this account and am legally responsible for it. At this time I have not received sufficient documentation proving : I opened this XXXX account The debt amount of {$3900.00} is accurate XXXX XXXX has legal authority to collect The account is not a mixed file or identity issue Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers must ensure maximum possible accuracy. I

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 2026-03-05 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint regarding a loan issued through affirm for a purchase from XXXX very own. I financed merchandise thrpigh affirm, but I never received the package. The shipment was handled by ups and delivery photo clearly shows it was delivered to wrong location. I provided proof to affirm during dispute, including the XXXX delivery photo showing it was not delivered to my address. Despite evidence of misdelivery affirm denied my dispute and sided wothmerchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Mercari, Inc.
State: NC

Complaint narrative:
Mercari has been holding my funds since XX/XX/year>. I have not been able to verify my identity do to having an old camera phone. I asked them to do a manual verify using my ID. Yet they won't. Nor have they sent my money to the state unclaimed money. Its been well over 180 days! I need my money now! The unclaimed money can verify me and proceed with sending the money. This is ludacris! I have been chatting with them since it happened and no resolution. They keep telling me to use my phone and the app. No clear path to get my money thats been sitting for years!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ AFFIRM XXXX ] Account Number : [ XXXX ] Creditor Name : [ ALLY FINCL ] Account Number : [ XXXX ] Creditor Name : [ CB/LNBRYANT ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ SYN/FSTPROG ] Account Number : [ 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 2026-03-05 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: GA

Complaint narrative:
Account Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX This is now the FOURTH time Ive written you about this same account and the WRONG late payments you keep showing. Im not asking you to delete the account its mine but you keep reporting late payments that are either wrong, not mine, or not even on the right date. If you actually did an investigation like the FCRA says you have to, then you need to tell me : - WHO you talked to at the creditor - WHAT they showed you - WHEN you spoke to them - HOW you decided the late payment info was correct So far, youve done nothing but send the same generic verified letter over and over. Thats not a proper investigation and you know it. FCRA 1681i says you have to actually check the accuracy, and 1681e ( b ) says you have to make sure my file is as accurate as possible. Right now, its not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got paid {$1200.00} XXXX paid my bills the total was {$620.00} they took {$380.00} the way citi bank debit and credit my account they constantly take a little more but this time they took {$380.00} dollars that I NEED to purchase food gas etc. I have very little money so I know how much to waste and what is for bills citi bank stole {$380.00} and covered it up by taking a long time to clear my debits they took long than 5 days. This is the second time this happened to me. The first time wasnt so much like maybe {$100.00} but know Im going to be left out of {$380.00} the way they put everything on pending is fraudulent the are taking millions from many poor people who constantly used the debit card please help me this poor mother or four.

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 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
am disputing a collection account being reported by XXXX XXXX XXXX related to an alleged XXXX XXXX account. The debt being reported is {$3900.00} and is allegedly connected to a XXXX account opened in XX/XX/XXXX. I do not recognize this account and did not authorize any such account. There are multiple inaccuracies and inconsistencies in how this account is being reported. XXXX. The account appears to be duplicate reporting of the same debt under both XXXX XXXX and XXXX XXXX XXXX. XXXX. The reporting is inconsistent across the credit bureaus. Equifax reports both XXXX and XXXX XXXX. Experian reports XXXX XXXX. TransUnion does not report the account at all. XXXX. I currently have an active XXXX XXXX account opened years later, which suggests this alleged account XXXX belong to someone else or XXXX be a mixed credit file. XXXX. The collection account was allegedly assigned to XXXX XXXX on XX/XX/XXXX, but the original account activity allegedly occurred in XXXX. XXXX. I have requested validation of this debt and documentation showing that I opened this account and am legally responsible for it. At this time I have not received sufficient documentation proving : I opened this XXXX account The debt amount of {$3900.00} is accurate XXXX XXXX has legal authority to collect The account is not a mixed file or identity issue Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers must ensure maximum possible accuracy. I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
am disputing a collection account being reported by XXXX XXXX XXXX related to an alleged XXXX XXXX account. The debt being reported is {$3900.00} and is allegedly connected to a XXXX account opened in XX/XX/XXXX. I do not recognize this account and did not authorize any such account. There are multiple inaccuracies and inconsistencies in how this account is being reported. XXXX. The account appears to be duplicate reporting of the same debt under both XXXX XXXX and XXXX XXXX XXXX. XXXX. The reporting is inconsistent across the credit bureaus. Equifax reports both XXXX and XXXX XXXX. Experian reports XXXX XXXX. TransUnion does not report the account at all. XXXX. I currently have an active XXXX XXXX account opened years later, which suggests this alleged account XXXX belong to someone else or XXXX be a mixed credit file. XXXX. The collection account was allegedly assigned to XXXX XXXX on XX/XX/XXXX, but the original account activity allegedly occurred in XXXX. XXXX. I have requested validation of this debt and documentation showing that I opened this account and am legally responsible for it. At this time I have not received sufficient documentation proving : I opened this XXXX account The debt amount of {$3900.00} is accurate XXXX XXXX has legal authority to collect The account is not a mixed file or identity issue Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers must ensure maximum possible accuracy. I

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to purchase a laptop from Apple using my Apple Card. The transaction was for {$120.00}, which represented the first installment under Apple Card monthly installments. Immediately after placing the order, I realized that I had inadvertently selected an incorrect configuration option, so I canceled the order and attempted to place a new order with the correct configuration. Goldman Sachs declined the subsequent transaction for {$120.00}. Believing the issue may have been related to heavy traffic on Apples website due to the release of new products that day, I attempted the transaction again several times. Around that time, Goldman Sachs called me regarding the transaction. The call disconnected while the representative was introducing herself, so I called back and spoke with another representative who transferred me to a different department. In that department, I confirmed that the transaction was legitimate and authorized. I was instructed to wait XXXX hours before attempting the purchase again. After waiting more than XXXX hours, I attempted the purchase again but it was still declined. When I called Goldman Sachs again, I was told that I should have waited XXXX hours, not XXXX hours, and that my account had now been restricted for XXXX days. I explained that I had followed the instructions given to me by their representative and that the transaction had already been verified as legitimate. I also explained that I rely on this card for daily purchases and that my account is in good standing and routinely paid off. The representative stated she understood the situation and indicated that she would escalate a request to have the restriction lifted. Later that evening, I called back to check the status because I needed to complete the purchase. The automated phone system stated there were no restrictions on my account, which conflicted with what I had previously been told. When I spoke with another representative, I was informed that my account was still restricted and was transferred to a supervisor. The supervisor stated that the restriction would remain in place for XXXX days and that there was nothing he could do to remove it. I explained that I had followed the instructions provided earlier in the day and that another representative had stated the restriction would be escalated for removal. The supervisor then told me that such an escalation was not possible, that no one had the authority to remove the restriction early, and that there was no one else I could speak with, including his supervisor. As a result, I am unable to use a credit card that I rely on for everyday purchases even though the transaction was verified as legitimate and I followed the instructions given by Goldman Sachs staff. The automated system also provided information that directly conflicted with what representatives told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clasp Group, Inc.
State: NY

Complaint narrative:
I signed an income share agreement with XXXX XXXX in XXXX. Since then the debt has been sold to clasp launch services clasp.launchservicing.com This company is not respecting the contract which was signed. The contract states that payment is deferred while under the income threshold payment is deferred while enrolled full time in school estimated income without proof will be assumed to have increased by XXXX XXXX They have disregarded all three of these points. I have provided proof that my income is below the threshold, and that I am in school graduating in XX/XX/XXXX. And yet I've been accruing a balance based on an income they've made up as well as late fees. I've attempted to rectify this numerous times, but the phone support can only make a ticket for the backend support who do not understand the issue, and I can not chat with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/year>, I received a PayPal credit card bill for a credit card I did not order or use. After reviewing the paper bill, I realized that this account was fraudulently opened and I contacted the customer service # on the paper statement : XXXX to inquire/report on XX/XX/year> at XXXX XXXX. I informed the customer service operator that I believed that the card was opened fraudently. She read off charges, most of which were for gaming in XXXX. Total charges on bill are {$2300.00}, part of which was an " amount past due of {$130.00} '', a minimum payment due of {$240.00}. As I have not had credit card fraud in past based on fraud via my social security number, I asked them to please cancel charges and send me a fraud letter or documentation that this has been taken care of. Agent informed me that XXXX bank is Synchrony and asked me if I had received call from them, which I had and still continue to have not. My credit score went down XXXX points on my credit monitoring in late XXXX that I do through my banking apps, and I thought I had missed a payment with XXXX 's credit card, also Synchrony bank. Can you please advise on how to resolve this so my credit is not affected?

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This account was opened fraudulently under my name.any account having the DL/ID # XXXX is fraudulent.pretaining to the address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.i have not received funds nor added funds to this account and I would like a chance to prove my innocence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Days after my previous complaint, after doing the BARE MINIMUM to close the complaint, providing horrific customer service and openly MISLEADING the customer and the regulator in the response provided ( phone number provided do not work from XXXX ) I am again hit by fees on transfers that I did not originate. BofA needs to be held accountable and HEAVILY FINED by lying to customers and providing the most atrocious customer service in the market. The BofA bot is useless and does not provide any help, so again Im stuck, have been charged for cash I RECEIVED in my account, and unable to speak with someone able to solve this. Regulators need to take action against this company, which is basically robbing customers every single day. Being this a follow up complaint, I request this matter to be escalated and given senior management visibility.

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