vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: NY

Complaint narrative:
I pay back my student loans for medical school through Mohela. I signed up for autopay which I was sent an email confirming was set up. A month later I recieved an email that my loans were unpaid. I signed up again and again received the same email that my loans were past due. I asked for clarification on why my loans were not being automatically paid despite enrolling in autopay. I received a generic letter that their autopay system is faulty but I should try signing up again. I asked for my loans to no longer be marked past due but got back the same letter. My credit score has gone down since then.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I discovered a collection account from Southwest Credit Systems, L.P. on my credit report in the amount of {$1800.00} ( Account No. XXXX ) without ever receiving an initial written notice prior to it being reported. This is a violation of FDCPA 809 ( a ), which requires a debt collector to send a written notice containing the amount of the debt, the name of the original creditor, and the consumers right to dispute the debt within 30 days. I was never provided this notice before or after this account was placed on my credit report. After discovering the account, I mailed in several disputes requesting proper validation of the alleged debt. Specifically, I requested documentation including the original creditors information, a full itemization of the balance, any signed agreement or contract, and proof that Southwest Credit Systems , L.P. has the legal authority to collect this debt. It has now been well over 60 days, and I have not received any proper validation. Despite this, the company continues to report this account on my credit file. This is a violation of my rights and raises serious concerns about the accuracy of the information being reported. Under the Fair Credit Reporting Act ( FCRA 607 ( b ) ), all information reported must meet the standard of maximum possible accuracy. Additionally, the credit reporting system relies on XXXX XXXX compliance, which requires furnishers to report complete and verifiable data. Reporting a debt that can not be validated and failing to provide required documentation calls into question the integrity and accuracy of this account. Due to these violations, I have also filed complaints with the Federal Trade Commission ( FTC ) and my State Attorney General. Southwest Credit Systems , L.P. has had ample opportunity to provide proper documentation and correct this issue but has failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute false, inaccurate, and unverifiable information appearing on my consumer credit report. After multiple reviews and failed attempts at proper reinvestigation, it has become clear that your continued possession and transmission of this data constitutes criminal misuse of my personal identity under 18 U.S. Code 1028A Aggravated Identity Theft. Your agency is using my name, Social Security number, date of birth, and other identifying information to distribute false and unverifiable data, such as alleged late payments, incorrect balances, and other negative account information. Despite prior notices disputing these entries, you have continued to furnish this data without producing : Any original contracts or applications, Complete payment records, Or legally admissible proof of the validity of the derogatory entries. As a result, you are knowingly publishing and transmitting false data tied to my personal identity without lawful authority. The continued use of unverifiable information attached to my identity after dispute, and your failure to lawfully validate it constitutes aggravated identity theft under federal law. While some accounts may have originated from me, the inaccurate negative information being published now is false, lacks verification, and is being attached to my identity in a misleading and harmful manner. You are knowingly attributing inaccurate financial behavior to me, damaging my reputation, and using my PII to falsely profile me in violation of federal and consumer protection statutes.

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 2026-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EA Holdings Corp.
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate and incomplete reporting of an auto loan account on my credit report. This account is reporting a {$0.00} balance and reflects that the loan has been resolved. However, it continues to be reported as derogatory and contains multiple inconsistencies and incomplete data. Specifically : The account shows Closed : No Information, which is incomplete and does not accurately reflect the account status. The account includes duplicate remarks ( affected by natural/declared disaster ), indicating inconsistent reporting. The payment history reflects 86 % on-time payments and no XX/XX/year> day late payments ( XXXX ), yet the account remains classified as derogatory. The continued reporting of voluntary surrender without complete and verifiable supporting documentation raises concerns about accuracy and completeness. Under the Fair Credit Reporting Act, all reported information must be accurate, complete, and verifiable. This account contains multiple inconsistencies that do not meet these requirements. I am requesting that this account be corrected to accurately reflect its proper status, including a valid closure date and complete reporting. If the account can not be fully verified with complete and accurate documentation, I am requesting its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MA is a debt collector. They are falsely reporting on my credit!! Account number is # XXXXis 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was a victim of identity theft Somebody had opened 8 account from XXXX XXXX XXXX in my name and put a check of XXXX in 8 of them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I visited a Citibank branch to open new accounts and enrolled in a promotional offer for a {$750.00} Checking and Savings Account Bonus. Per the instructions provided by the Branch Manager at the time of opening, I was required to deposit a minimum of {$30000.00} into the new checking account within 10 business days and maintain the funds to qualify for the bonus. Following the explicit verbal guidance of the Branch Manager, I completed the following actions : Transferred over {$30000.00} from an external financial institution into the new Citibank Checking account within the 10-day window. On the same day, per the manager 's specific advice to maximize interest or meet internal criteria, I moved the entire balance from the Checking account to the Savings account. The Branch Manager assured me that I simply needed to keep the funds in the Savings account and wait for approximately three months to receive the {$750.00} bonus. At no point during this consultation was I informed that leaving a {$0.00} balance in the Checking account for an extended period would trigger an automatic account closure. On XX/XX/year>, the expected month for the bonus payout, I discovered that my Checking account had been closed by Citibank without prior notice. Upon visiting the branch, I was informed the closure was due to a consecutive three-month zero balance. I have fully performed my contractual obligations by bringing {$30000.00} in new-to-bank funds and maintaining them within the Citibank ecosystem as instructed . The account closure was a direct result of following the incorrect guidance provided by Citibank personnel, who failed to disclose the zero-balance closure policy. Because the account is now closed, the system is reportedly unable to deposit the earned {$750.00} bonus.

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 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I am filing a formal complaint regarding an inaccurate and unverified collection account being reported by FABCO on my credit reports. FABCO is reporting a debt in the amount of {$2000.00} allegedly owed to XXXX XXXX ( XXXX, Ohio ). I dispute this debt in full. I have never entered into any contract or agreement with FABCO. FABCO has reported this collection account without providing proper documentation, proof of assignment, or an itemized accounting supporting the alleged balance. This debt is connected to a commercial lease with XXXX XXXX where I vacated the premises early due to unsanitary/unlivable conditions including rats and roaches. Despite this, FABCO is attempting to collect and is damaging my credit through inaccurate reporting. I am requesting that FABCO be required to provide full validation and proof of legal authority to collect. If they can not provide proper documentation, the account must be deleted immediately from XXXX XXXX and XXXX. I am also requesting that FABCO cease reporting and cease all collection activity until the debt is properly validated, as required under federal law. FABCO is furnishing inaccurate information to consumer reporting agencies and failing to properly validate the alleged debt, which appears to be a violation of the FDCPA and FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: DC

Complaint narrative:
On XX/XX/year>, I received text messages from someone who was impersonating the VP of the company I started working for at the beginning of XXXX as an XXXX XXXX. The messages requested that I buy a series of XXXX XXXX gift cards from XXXX and Home Depot. After purchase, the texts instructed me to take pictures of the codes on the gift cards and text them. I proceeded to purchase {$3600.00} worth of these gift cards ( XXXX cards, {$200.00} each ) with my CaptialOne credit card at XXXX, and {$2400.00} worth of gift cards ( 12 cards {$200.00} each ) with my Apple Card at XXXX and Home Depot and sent pictures of the codes to the phone number which I did not realize at the time was a fraudulent number. After my credit card companies put a hold on my cards, I later realized that I was a victim of fraudulent inducement by the scammer who was not the real VP and manipulated and deceived me to make these illegitimate retail transactions. By the time I checked the balances on the XXXX gift cards, they had been emptied out. I promptly filed a report with the XXXX Police Department, a complaint with the FTC, and subsequently a complaint with XXXX. I have attached the texts ( had to attached individually but they are sequential ) with the scammer who clearly was using criminal deception and fraud tactic. Both XXXX and AppleCard did not protect me as a consumer and allowed me to make these purchases at one store which likely exceeds the threshold of gift card purchases allowed to be purchased in one store due to this scam ; additionally, the gift card vendor XXXX does not have a listed phone number or email to contact them, and their chatbot does not provide additional information regarding fraud claims other than to report it to the police. This request is related to the complaint for the XXXX charges under CFPB complaint no. XXXX which is still pending even though XXXX and XXXX have reversed {$2000.00} worth of the charges made on that credit card. Additionally, Apple Card and Home Depot have reversed {$1000.00} if the charges on that credit card. Thus, I am request reversal of the two remaining fraudulent charges on Apple Card ( {$400.00} and {$1000.00} for a total of {$1400.00} ). I have disputed the charges with my credit card company Apple Card, and they have recently reinstated the charges. I was a victim of a crime and should have the charges reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
We had a credit card from Chase that we had used in the past but at the time we were not using. Due to the past usage, the credit card was setup to automatically pay the minimum amount every month. Someone obtained the credit card number and beginning in XX/XX/XXXX, they started purchasing items from XXXX. There were hundreds charges in total. The payments that were coming out of our bank account were believed to be something else, but in XX/XX/XXXX this wasn't making sense and we investigated these charges in more detail and this is when we discovered what was happening. Once discovered, we immediately notified Chase that every charge on this account from XX/XX/XXXX was fraud. We have gone around in circles for the past 2 years submitting every statement with fraud ( approx 30 statements ) and submitting our complete purchase histories from our XXXX accounts at Chase 's request. Over the past two years we have made dozens of phones calls to Chase trying to get these charges identified as fraud. This has been back and forth from collections several time. Total payments made are approximately {$4500.00} and the outstanding balance remaining on account is {$1200.00} which they have offered to settle for {$510.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On Cash App, account was taken over by someone pretending to be me, the scammer stole {$1000.00} out my account. They also pretended to be my wife and hacked her account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
What happened? On XX/XX/year>, I purchased a XXXX XXXX XXXX for {$950.00}. After using the device, I discovered two critical, model-wide safety defects : Emergency Service Failure : The device fails to reliably connect to XXXX. Medical Device Interference : Persistent Bluetooth connectivity issues cause the phone to disconnect from my continuous glucose monitor ( XXXX ), which I rely on for medical safety. I contacted the merchant ( XXXX ) on XX/XX/year> ( Case # XXXX ) and requested a refund based on these safety failures. A supervisor ( XXXX XXXX explicitly acknowledged the " safety concerns '' and the " persistent issues with calling XXXX '' in writing but denied the refund, citing that the 15-day " Buyer 's Remorse '' period had passed. Instead, the merchant offered a warranty replacement for a different unit that would contain the same model-wide firmware defects, or a partial trade-in credit toward a different model. I disputed the charge with Capital One, arguing that the product is " unfit for purpose '' under the Fair Credit Billing Act due to these life-safety defects. Capital One denied the dispute, essentially siding with the merchant 's standard return policy over the documented safety failures of the hardware.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: MS

Complaint narrative:
I am filing a complaint regarding American Expresss refusal to refund two charges for rental car insurance that were triggered by fraudulent activity on my account. I have an agreement with American Express in which I am automatically charged a {$19.00} fee for rental car insurance whenever I rent a vehicle. Recently, two fraudulent rental car charges from XXXX appeared on my American Express account. I did not authorize these rentals. American Express investigated and refunded the two fraudulent XXXX charges. However, because the XXXX charges were processed as rental car transactions, American Express automatically billed me two separate {$19.00} rental car insurance fees. These insurance fees were not authorized by me and occurred solely because of the fraudulent XXXX transactions. I contacted American Express and requested that the two {$19.00} insurance fees be refunded, since they were directly caused by fraudulent activity that American Express already acknowledged and reversed. Despite this, American Express refused to refund the insurance fees and stated that they were valid charges, even though the underlying transactions were fraudulent. I am seeking the CFPBs assistance in having American Express reverse these two insurance charges. Under the Fair Credit Billing Act, consumers are not liable for charges resulting from unauthorized or fraudulent transactions. Because these insurance fees were automatically triggered by fraudulent activity, they should be treated as unauthorized as well. I am requesting that American Express refund the two {$19.00} insurance charges and correct my account accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: DailyPay, Inc
State: NC

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, multiple unauthorized transactions totaling {$2600.00} were made on my prepaid card account associated with DailyPay and issued by XXXX XXXX XXXX. These transactions included ATM withdrawals, retail purchases, and recurring digital charges, including XXXX-based services that I do not use. Several transactions occurred in locations such as XXXX XXXX, NC and XXXX, NC, where I have no history of residence or prior transactions, and the activity is inconsistent with my normal account usage. I reported these unauthorized transactions on XX/XX/year> and requested an investigation, along with supporting documentation demonstrating how the transactions were determined to be authorized, including ATM verification, PIN authentication records, device or IP logs, and merchant verification. I was informed that provisional credit in the amount of {$2600.00} would be issued on XX/XX/year> ; however, no credit was provided. Instead, my claim was denied on XX/XX/year> with a statement that no error occurred, without any supporting evidence or detailed explanation. I subsequently requested that the claim be reopened, as I did not authorize or benefit from these transactions. To date, neither DailyPay nor XXXX XXXX XXXX has provided documentation or evidence demonstrating authorization, and I believe the dispute was not handled in accordance with applicable federal requirements under Regulation E. Additional information provided by consumer : XXXX Consumer stated that DailyPay is the company she intended to file a complaint about. Please forward the complaint to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am disputing an inaccurate and time-barred collection account from Absolute Resolutions Corp . Court Dismissal : This debt was the subject of a lawsuit in XXXX XXXX, Texas ( Case # XXXX ), which was dismissed. Attached is the court declaration confirming this. Texas Law Violation : The date of last activity is in XXXX. Under Texas Civil Practice and Remedies Code 16.004, the 4-year Statute of Limitations expired in XXXX. This debt is now legally uncollectible. Failure to Investigate : I have provided this evidence to the bureaus and the collector via certified mail, but they continue to verify a balance. Under the FCRA and FDCPA, they can not continue to report a balance on a dismissed, time-barred debt as if it were a valid, collectible account. I am requesting immediate deletion. '' I request the permanent deletion of this tradeline from my credit report on all three bureaus. Because the litigation has concluded and the legal window to collect has expired, the reporting of a balance is inaccurate and creates a false impression of my current creditworthiness.

Company response to consumer: Closed with explanation