vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. Account name : XXXX XXXX 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 2026-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. Account name : XXXX XXXX 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 2026-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX, I filed a CFPB complaint after calling and emailing XXXX XXXX seeking information related to my account for months and being ignored. On XX/XX/XXXX, I learned of XXXX XXXX XXXX response to my CFPB complaint. The company finally provided some of the documentation that I had been requesting over the prior months. On XX/XX/XXXX, I filed formal notice and another objection that I disputed to the excess wear and tear charge of {$280.00}. This was sent to Santander Consumer USA in XXXX. I noted that the one item for which the charge had been claimed did not constitute excess wear and tear. I also objected to the amount of the excess wear and tear charge. I also asked that I be called ASAP to resolve this matter. The {$280.00} is not due, and I am prepare to hire a lawyer if I must. If I am pushed to do this, I will seek to hold XXXX XXXX responsible for all of our fees and costs. I HAVE BEEN REQUESTING A PHONE CALL FROM THE XXXX XXXX EXECUTIVE LEADERSHIP TEAM SINCE THE END OF XXXX. I WANT AND NEED TO RESOLVE THIS ASAP SO THAT I CAN PAY THE REMAINING BALANCE ASAP. THIS IS WITHOUT A DOUBT A COMPANY THAT PROVIDES THE WORST CUSTOMER SERVICE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Wilber and Associates, P.C.
State: CT

Complaint narrative:
I borrowed a vehicle ( XXXX ) that has insurance and was in a small fender bender ( In XXXX ). The insurance for the vehicle I drove stated that I not on the policy so I would not be covered by the insurance company. The vehicle was an older vehicle and had preexisting damage. This company reached out to me stating that the vehicle I was driving didnt have insurance and that my license was suspended which is false. They are claiming they are going to pursue the owner of the vehicle that I drove by having her license suspended by contacting the XXXX if this XXXX debt isnt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
Axos Bank is in violation of Regulation E. They have split a {$2500.00} fraud event into XXXX separate 'disputes, ' leaving my account with a negative balance. They refused to escalate my call to a supervisor and have not provided provisional credit for this extreme hardship. I have an official FTC Affidavit ( Report # XXXX ) and demand immediate restoration of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I was at work my babysitter left her grandchild and his girlfriend alone to watch my children when I got home they left I noticed on my cell phone that there were transactions I did not recognize first a XXXX dollar payment to the girlfriend that was cancelled and then she was blocked which I did not do. Then 2 borrow transactions from cash app one for XXXX and one for XXXX then two separate transactions of money that was sent to someone I do not know one for XXXX the other for XXXX. I started wondering how someone got into an account then I rememberd I had an old cell phone laying around that was logged into everything so I looked and couldn't find it so I tracked it using XXXX hub and then I found the location with that app and it located the phone at XXXX XXXX which I confirmed with the babysitter that they were all staying at. I called the police and filed a report. I tried to dispute it with cash app denied try to appeal it denied even though I gave them the case number and everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: DC

Complaint narrative:
Victim of identity theft and XXXX XXXX is stating this isnt a crime. I was apart of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others data breach from XXXX to present.

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 2026-03-22 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: MI

Complaint narrative:
On XX/XX/XXXX I got a notification from saying money was being taken from my account from XXXX different transactions I then called customer service as it was happen they told me to call back after the payments processed so I waited a while after the payment was processed I called filled a dispute they denied my dispute claiming it wasnt fraud when all the transactions was made XXXX after the other within XXXX minutes for {$3300.00} I ve called to resolve this problem and was hung up on by the supervisor never was compensated for the money that was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
I am disputing an account reported by National Credit Adjusters. I sent certified letters requesting debt validation, including receipts, but they failed to provide documentation proving this debt is mine. Despite my dispute, they continue reporting the account on my credit report. I also disputed the account with the credit bureaus, but it was still marked as verified. This account is inaccurate and harms my credit. I am requesting its removal under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I made a purchase and used Chime app to send the money to pay for the purchase. The seller refused to refund me after asking for an additional {$80.00} for shipping insurance. I immediately realized this was a scam and tried to get my money back from both the scammer and Chime with no success. Chime did not provide support and instead told me to file a police report which I did as well as report to the FTC. The sellers XXXX is XXXX - XXXX XXXX. Phone number listed on their page and the one used to contact the seller - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: NC

Complaint narrative:
I dispute an account reported by LVNV Funding , LLC. I sent certified letters requesting debt validation, including receipts, but they failed to provide documentation proving this debt is mine. Despite my dispute, the account continues to appear on my credit report. I also disputed it with the credit bureaus, but it was still marked as verified. This account is inaccurate and harms my credit. I am requesting its removal under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: PA

Complaint narrative:
I received a collection letter from Media Collections , Inc. DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH ) attempting to collect {$470.00} under account number XXXX for an alleged debt owed to XXXX XXXX XXXX XXXX ), the XXXX XXXX XXXX XXXX I do not owe any money to XXXX. I have no outstanding account, contract, or obligation with the XXXX XXXX XXXX that would give rise to this debt. I contacted XXXX ( XXXX XXXX XXXX ) directly to verify whether they authorized XXXX XXXX XXXX XXXX XXXX to collect on their behalf. XXXX 's official support confirmed that " Media Collections, XXXX '' is NOT listed as an official partner of XXXX. XXXX further stated that they operate their own internal debt collection office and directed me to their official channels at XXXX.XXXX for any legitimate collection matters. This means XXXX XXXX XXXX XXXX XXXX is either collecting a debt that does not exist, collecting without authorization from the alleged creditor, or misrepresenting the identity of the creditor -- all of which would constitute violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f ). It is highly unusual for a small Ohio-based contingency collection agency to be collecting debts on behalf of the XXXX XXXX XXXX XXXX, and XXXX 's own support has now confirmed they have no such arrangement. I am requesting that the CFPB investigate this matter and that XXXX XXXX XXXX XXXX XXXX be required to provide validation of this alleged debt, including proof of authorization from XXXX to collect in the United States. I also request that this complaint be documented in the public Consumer Complaint Database to protect other consumers who may receive similar fraudulent collection notices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
on XX/XX/year> Received a satisfactory letter stating the debt was paid. I am requesting that they report to XXXX Credit card company that the debt is paid as agreed. 0n XX/XX/year> United Collection Bureau still sent me a letter stating I still owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account was automatically transferred to a new credit card without my active use or clear awareness. While I understand that account transfers may occur, I was not clearly informed that my existing rent payment would continue and be charged to this new card. As a result, my rent was charged to an account I was not monitoring, and I did not realize that a balance was due. This led to unexpected interest charges. I have since paid the balance in full, and I am requesting a review of these charges due to the lack of clear communication regarding the change in payment method during the account transition.

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 2026-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a fraudulent and unauthorized deposit/cashing of a business check associated with my account. I am the owner of XXXX XXXX XXXX XXXX XXXX, and I had a business check that I was holding as a form of savings and had not intended to deposit at that time. I later discovered that the check had been deposited and processed without my authorization or proper awareness. At the time of the incident, I was not informed that the check had been deposited, and I did not approve or initiate the transaction. I only became aware of this issue significantly later, which delayed my ability to report and address the fraud immediately. Once I discovered the issue, I attempted to seek assistance through my financial institution ( s ), including Chase and/or XXXX XXXX XXXX however I have not received adequate resolution or clear communication regarding how the transaction was approved or processed. This situation has caused financial loss, confusion, and disruption to my business finances. I am requesting a full investigation into : How the check was deposited without my authorization Who endorsed or processed the transaction Why proper safeguards did not prevent this fraud Reimbursement or correction of the fraudulent transaction I am seeking assistance in recovering the funds and ensuring proper accountability from the financial institution ( s ) involved. Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am formally disputing XXXX XXXX account # XXXX as I am unaware of this alleged debt and was never given the opportunity to dispute it. If you claim proper notification was provided, furnish proof via certified mail receipt showing my signature. Absent such evidence or proper validation of the debt, immediately cease all collection activity, delete account # XXXX from my credit reports with all bureaus, and remove any related negative information. Failure to comply will result in further action, including complaints to the CFPB, FTC, Florida Attorney General, and/or legal proceedings. Respond in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have so much different credit reports on my profile with XXXX XXXXXX/XX/XXXX and XX/XX/XXXXthat I didnt authorize I get scammed called every single day Ive been getting death threats from different people agencies and companies thats I didnt give authorization to scam my information. I want all these hard inquiries off of my credit report. My credit report went up XXXX month ago now its down XXXX points. From XXXX I have not authorized these inquiries on my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 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: NY

Complaint narrative:
Debt collections for {$860.00} on credit report for debt I do not owe/unknown origin from JEFFERSON CAPITAL SYSTEMS LLC XXXX I believe this is a fraudulent inaccurate collection and I was not notified at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
In XXXX of 2025 I purchased a product from and payed using my paypal account. I reported aproblem with the purchase as the product was not as described. I returned the item but was never refunded by paypal for this purchase. Paypal closed the case and the real real did not refund both ( yes they charged me 2x ) for the item. Because Paypal closed the case without accepting the refund I tried to notify them but they no longer are accepting my message regarding the case that they closed before getting the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
I am submitting a complaint regarding a private student loan currently serviced by MOHELA and owned by XXXX XXXX XXXX XXXX, originally issued by XXXX. This loan was used to attend XXXX XXXX, which has been officially determined by the U.S. Department of Education to have engaged in widespread and long-term fraud and misrepresentation. As a result of this determination, my federal student loans associated with XXXX XXXX were discharged. Despite this, MOHELA continues to collect on these private loans, which funded the same fraudulent education. I have formally disputed this loan and requested documentation, including a copy of the original signed promissory note and the complete chain of assignment from XXXX to XXXX XXXX XXXX XXXX to MOHELA. To date, this information has not been provided. I am concerned that the loan is being collected without proper verification of ownership or enforceability. Under the Federal Trade Commission Holder Rule, lenders may be subject to the same claims and defenses that I have against the school, including fraud. Given that my federal loans were discharged due to XXXX XXXX XXXX misconduct, I am requesting that these private loans be fully reviewed and that appropriate action be taken, including discharged or cessation of collection activity. I am seeking a resolution that reflects the documented fraud associated with XXXX XXXX and the lack of provided documentation supporting this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: Paypal Holdings, Inc
State: OR

Complaint narrative:
A card I did not request or authorize was opened on my PayPal Account. I have been receiving lots of emails from PayPal with offers, but I disregarded them as junk/click bait. On XX/XX/year>. I received an email that stated congratulations on your new card, still I disregarded it as clickbait/junk. Then, on Wednesday, XX/XX/year> an email arrived that said a new card was being issued in my name. I went to my PayPal account to see what was happening and didnt see anything amiss, so I changed my address just to be safe and make sure I still had control of the account. ( I am in the process of moving to the new address. ) Again, I disregarded the email as junk and dismissed the issue. Friday, I received an alert from my bank, XXXX XXXX XXXX, that said a new credit card was opened and on my credit report. I had a chat conversation with XXXX on XX/XX/XXXX and they gave me the phone number for XXXX PayPal credit department. I contacted them and had the {$1800.00} card canceled. They also stated they would remove it/inform my credit report for removal. I asked for a reference number for the call or an email of confirmation be sent to me, they said an email would come, but I havent received it. Finally, I went to my PayPal account changed the password, security questions etc. I wanted to file a police report but when I tried online it said that filing a complaint with the XXXX was the first step.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mechoopda Indian Tribe of Chico Rancheria
State: MI

Complaint narrative:
Boost credit line is constantly calling me day and night XXXX XXXXays a week. They are also sending an unrelentless amount of emails and text messages. I do not recall taking any loans from them.

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 2026-03-22 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:
I lost Access to my cash app account since 2020. Since then I have tried multiple times to regain access they say the account has violated their guidelines and has been closed. So many years have gone by I no longer bank with XXXX XXXX the account linked to cash app and I do not have the same number XXXX that is linked to account. They instructed me to create a new account and verify it but every time I do the new account get closed when I enter in my social security number. They put a block on my social security number from creating new accounts. I am then instructed to file an appeal I have been through this process over 4 times and they deny my appeals I have gone back and forth through emails and now when I call customer service I got the phone hung up in my face. I have exhausted many days trying to get through to them and regain access to my account. I have over {$1800.00} in my account that I have been unable to access since 2020. Please assist me I feel like no one from cash app is willing to. I follow all of their instructions just to be denied over and over again. I give them all of my information they ask for and verify over the phone they can tell me my balance but since I don't have my old phone number and there is no email attached to my account $ XXXX they say they can not let me have access to my account. I have no other option but to seek assistance elsewhere for this issue. I can attach email correspondence that I have from the management of cash app if needed.

Company response to consumer: Closed with explanation