vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding a collection account being reported by IC System Inc on my credit report that does not belong to me. I disputed the account with Experian, but I was unable to complete the dispute online. I do not recognize this debt and did not authorize any account with IC System Inc. I also believe my personal information may have been improperly shared with a third party. I am requesting a full investigation into this account under the Fair Credit Reporting Act ( FCRA ). If the company can not provide proper verification that this debt belongs to me, I request immediate deletion of the collection account from all credit reporting agencies. I am also requesting documentation showing : The original signed agreement Proof the debt belongs to me Proof IC System Inc has the legal right to collect this debt The full payment and account history Because this account is inaccurate and unverified, it is negatively affecting my credit profile.

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 2026-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I requested information regarding the charges and received no documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: WV

Complaint narrative:
I got my very first credit card from XXXX XXXX about three years ago. Within a short while ago. I started receiving credit card offers in the mail. I took advantage of some, and I ended up with two from Concora, not understanding what the {$120.00} fee was. A while later, I got offers for what I thought were credit limit raises, but it turned out that it was for more cards and more {$120.00} fees. I ended up with four credit cards from Concora. A few months ago, I realized that all of my Concora cards were over their limits due to these {$120.00} fees. I mean, I have about {$2000.00} and 35 % + interest, and they charge me $ XXXX yearly?. And at one point, all of the cards were months in the hole with only minimum payments being made. I've talked to them on the telephone, and they don't seem to care. I've quit taking their calls ; they spoof the caller ID and call 3 or 4 times a day, seven days a week. In the end, I should have been smarter, and I feel really stupid. But I'm drowning in this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: IA

Complaint narrative:
b"I am filing this complaint against XXXX XXXX XXXX and their servicer MOHELA for continuing collection activity after I submitted a formal written debt validation request pursuant to 15 U.S.C. 1692g. My XXXX XXXX XXXX was discharged on XXXX XXXX XXXX. I received a collection letter from XXXX dated XXXX XXXX XXXX regarding account XXXX XXXX XXXX XXXX. The student loans were included in my bankruptcy filing. No adversary proceeding was filed specifically for this debt, and my bankruptcy attorney did not advise me on the specific discharge status of these loans after the case closed. On XXXX XXXX XXXX, I sent Certified Mail debt validation requests to both XXXX (XXXX, CA) and MOHELA (XXXX, MO), disputing the debt and requesting all collection activity cease pending validation. Both letters were delivered and signed for on XXXX XXXX XXXX MOHELA continued calling me on XXXX behalf on XXXX XXXX at XXXX XXXX just 1 hour and 46 minutes after confirmed delivery and has called every business day since through XXXX XXXX XXXX. I have documented 10 total calls, 6 of which are confirmed post-delivery violations. MOHELA used three different phone numbers (636XXXX XXXX and XXXX). All calls are preserved as voicemails except one. Additionally, XXXX sent a billing statement on XXXX XXXX, XXXX demanding $XXXX monthly nearly triple my pre-bankruptcy payment of $XXXX with no itemization. I request the CFPB investigate MOHELA's continued collection activity following confirmed receipt of a written debt validation request and require immediate cessation until proper validation is provided."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OH

Complaint narrative:
I attended the schools under false pretenses. Both XXXX XXXX and XXXX and XXXX colleges lied to me and promised me assistance with resume writing, internship and job placement to big companies they are connected to. At XXXX and XXXX when it came time for internship, I ended up having to find my own because they had nowhere to send me because they didn't know any law firms that would take me in as an intern for paralegal. With XXXX, I was told business management didn't require internship. Neither university helped me with my resumes, and I didn't get the big income they promised me I would get after job placement. I now owe so much money that continue to exchange hands without my consent. I believed them when they told my financial situation will change with these degrees. They failed to tell me my programs, paralegal or business management, employees want someone with 3-5 years ' experience. I'm still struggling to find a job in either field up to this date.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I found my checking account multiple duplicate charges from XXXX. There were several about 20 of them so I gave them to Chime and the next day. They sent me a notice that they were closing my account. I have documentation from XXXX stating that they see these charges also and they wanted me to give them to the bank so I dont know why theyre closing my account. Its not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
CFPB Complaint Draft Company Name : Citibank , N.A . Consumer Product : Credit Card and Bank Account ( Checking ) I am filing this complaint against Citibank for the abrupt, unexplained, and severe closure of multiple healthy financial accountsincluding a newly transitioned XXXX XXXX co-branded credit card and an active, perfectly maintained Citi Checking accountwithout any prior warning, justification, or notice. My credit card account was originally with XXXX and was transitioned to Citibank over the XXXX XX/XX/XXXXportfolio migration as Citi became the exclusive issuer for XXXX XXXX AAdvantage cards. The transition initially appeared successful, and I received the card. However, only a couple of weeks later, the credit card account was suddenly closed. Simultaneously, and even more alarmingly, my long-standing, completely healthy Citibank checking account was also closed without warning. I am a professional XXXX, and my livelihood relies on stable, predictable banking and constant international and domestic travel. All of my accounts across both institutions have always been kept in excellent standing, with completely healthy balances and absolutely no history of banking issues, overdraws, or terms of service violations. To have a primary checking account shut down out of nowhere with no explanation is an incredibly disruptive action that jeopardizes my professional operations. Furthermore, the sudden closure of the credit card deeply impacts my career. As a professional XXXX, I am a frequent traveler with XXXX XXXX. Having an active AAdvantage credit card is a strict necessity for me, as it is a primary mechanism required to earn the XX/XX/XXXX needed to maintain my airline elite status for my heavy travel schedule. The simultaneous shutdown of a migrated credit line and an unrelated, healthy checking account strongly points to a severe system glitch, a flawed sweeping algorithm, or an administrative error triggered during the mass XXXX-to-Citi portfolio transition. Hope you review this ASAP and if possible send me an email as I Might be traveling if you mail is sent

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 2026-05-25 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
To whom it may concern : XXXX has locked me out of my account because verification codes are being sent to a compromised email address that I no longer control. I still control the phone number associated with the account and can fully verify my identity with government ID, linked banking information, debit card information, and transaction history. Customer support has not resolved the issue and I can not access my funds. I am requesting immediate manual identity verification and removal/update of the compromised email address associated with my account. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
On or about XX/XX/XXXX, agents involved in the repossession of my XXXX XXXX XXXX proceeded with the seizure despite being informed that the account and repossession activity were actively disputed and involved pending litigation. During the event, I attempted to explain to the repo agents that the matter was under dispute and subject to ongoing court proceedings. While trying to communicate these issues, I was arrested on an unrelated matter and the repossession continued. I objected to the repossession and believe the vehicle was taken despite notice of the dispute and ongoing legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: AZ

Complaint narrative:
I am filing this complaint against Kraken ( Payward XXXX XXXX XXXX, XXXX ID XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) regarding four frozen cryptocurrency deposits and an unresponsive customer support process that has now exceeded 30 days with no resolution. The following four deposits are currently stuck in a " Pending '' state in my Kraken account and have been inaccessible for an extended period : 1. XXXX XXXX ( {$180.00} ) deposited at XXXX XXXX via XXXX network 2. XXXX XXXX ( {$12.00} ) deposited at XXXX XXXX via XXXX network 3. XXXX BTC ( {$11.00} ) deposited at XXXX XXXX 4. XXXX BTC ( {$10.00} ) deposited at XXXX XXXX Total funds frozen : approximately {$220.00} For the XXXX XXXX and XXXX XXXX deposits made on XX/XX/year>, I have verified on the XXXX blockchain via XXXX that both transactions were confirmed successfully on-chain ( Transaction Hashes : XXXX and XXXX ). The blockchain confirms these transfers completed successfully. The issue is entirely on Kraken 's side. I believe all deposits are being held due to an account restriction stemming from a prior chargeback that resulted in a small negative balance ( between {$2.00} {$3.00} ). That negative balance has since been fully resolved and cleared. However, my account remains restricted and all deposits remain frozen with no explanation or timeline provided by Kraken. I have contacted Kraken support multiple times through both the mobile app and email. Each time, I am told the matter will be escalated to a higher authority and that I will receive a follow-up email. No follow-up has ever been received. No resolution has been offered. No estimated timeline has been given. This pattern has continued for over 30 days.

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 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have a XXXX XXXX XXXX interest rate 20.26 % A 73 month loan and a remaining balance of XXXX. As of XX/XX/XXXX I have been declared XXXX XXXX and Im only receiving XXXX in the amount of {$1000.00} dollars a month. I have been struggling making payments biweekly to keep from returning or having the vehicle repossessed. My circumstances have drastically decreased since the purchase of this vehicle. I am unable to refinance with another company because of credit issues and Im not able to start the loan over. The interest rate of the loan is very high and the months of the loan are already spaced out extremely long.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: DC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
I purchased XXXX XXXX coin from XXXX XXXX on XX/XX/year>. After the purchase my account was frozen by XXXX. I can not access my funds. Numerous times I've tried to contact XXXX about this issue. The first 2 or 3 times they responded by asking for a picture of me, with my driver 's licence and a case number they provided. I suppiled them exactly what they asked for but a week later they had not responded. So I tried again. This happened 2 or 3 times but now they will not respond at all. XXXX will not supply a phone number for their customer service, only emails and their customer support form.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-05-25 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: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: MA

Complaint narrative:
I use cash-app daily since XXXX. I recently signed up for Direct deposit through them which they encouraged every time you open the app. Ive appealed their decision waited over 10-days Im currently going back and forth with them on the phone because they will not give me any information as to what terms and conditions i violated. I had to call back because the rep wouldnt give me a higher up, when the new rep came on the call I was mysteriously had a decision on my account and it wasnt gon na be reopened, but prior to me calling there was no decision and then when I became irate on the phone, they decided that my account wasnt gon na be open. I didnt violate any terms or conditions of the app. Ive been a customer since XXXX. They even just verified on the phone that this shouldnt have happened because Im in status with my account but still decided to violate me and close my account without any reason at all. I am attaching images of conversations via support where they kept giving me the run around about the terms & conditions of the XXXX app. I also attached screen shots of notifications still coming through my phone AFTER MY ACCOUNT WAS CLOSED. Even sending me surveys via email. Then stating on the phone teres been no correspondence to you at all since closing your account. I also started to record the call and then when I told her she was being recorded, she said that Cash App doesnt consent to being recorded and immediately tried to end the call so I said she didnt want to be recorded because she was lying and were getting caught in her way of lies so then I stopped recording the call and then she had no issues continuing to call. I filed atleast THREE COMPLAINTS WITH THEM DIRECTLY ABOUT THEIR HANDELING TIME FOR MY APPEAL, I called back a second time to ask about my appeal and then was told that my account had been closed for good. It would not be reopened. Thats the decision that they came to, but when I was on the call with the first customer representative, she couldnt see anything and then I became my right and she mustve put in for my account to not be reopened because then the second rep could see that my account was closed for good and then told me to reach out to a supervisor via email for the reason as to what I violated.

Company response to consumer: Closed with explanation