vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed this account multiple times with both the credit reporting agencies and the furnisher because I believe the reporting is inaccurate and incomplete. Despite repeated disputes, the account continues to report as charged off every month without providing the documents I requested to verify the accuracy of the reporting. I requested the original contract, payment history, balance calculation, and method of verification, but only received generic responses stating the account was verified. My credit report also contains multiple inaccurate name variations while a fraud alert and security freeze are active on my file.

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 2026-05-24 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: MD

Complaint narrative:
Inaccurate, incomplete, and unverified information is currently being reported on my consumer credit file and requires an immediate and lawful reinvestigation in full compliance with federal law. Pursuant to Section 611 ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), any information that can not be verified through reasonable and proper procedures must be promptly deleted or corrected. Continued reporting of such information without sufficient evidentiary support violates my rights as a consumer and fails to meet the statutory obligation to maintain maximum possible accuracy.

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 2026-05-24 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple issues with my account ( s ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

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 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided. Given that you claim to be the " owner '' or " authorized collector '' of this debt, you are legally required to present the following documents for your claim to be considered valid

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 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Income from XXXX treasury dept Social security income have validated award lettter XXXX monthly income no other source of income Single never married zero dependents

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: WI

Complaint narrative:
They are participating in retaliatory practices of repeatedly debiting my accounts, despite me providing a request in writing numerous times to stop Ach request. These retalitory practices have costed me {$980.00} in overdraft fees this year alone. I have requested in writing they stop ACH on my account, settle my loan, they refuse to do any of this. They admitted I have paid nearly {$2000.00} to them on a {$1200.00} loan. I am considering hiring an attorney to seek remedies against these retalitory practices. I urge this company to clear my debt and close my account immediately before I seek counsel on their retaliatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I dont have a pacific name in mind but theres too much inquiries on my credit score as a new person in credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Deposit a {$42000.00} cashiers check on XXXX on Sunday got the receipt back and it said fund will be available Tuesday and it was. Wednesday got an email from wellfargo say it was return and now my account is all XXXX up.

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 2026-05-24 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: NY

Complaint narrative:
am filing this formal complaint against Goldman Sachs Bank USA for systemic failures in their dispute processing division and repeated violations of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. Goldman Sachs has repeatedly closed and reversed Dispute Case Number : XXXX for {$3500.00}, relying blindly on an automated merchant response while ignoring definitive, uncontradicted documentary proof that no service was delivered. On XX/XX/year>, I used my Apple Card to purchase a one-way ticket for my daughter, XXXX XXXX XXXX from XXXX to New York XXXX XXXX XXXX XXXX XXXX in XXXX ). At the airport counter, XXXX XXXX actively denied her boarding and suspended her ticket due to a cardholder verification name issue. The service was completely withheld by the merchant. I have provided Goldman Sachs with an exhaustive, irrefutable XXXX XXXX of evidence, all of which has been completely ignored by their automated system : XXXX Call Records ( image.png and XXXX ) : Proof of XXXX combined minutes of corporate phone escalations on XX/XX/XXXX and XX/XX/year>, where agents openly admitted on a recorded line that the ticket was " suspended and non-usable '' and actively directed me to use the bank chargeback process to retrieve the money. XXXX Proof of Alternative Transport ( XXXX ) : The physical booking itinerary and boarding confirmation showing that because XXXX XXXX refused her boarding, my daughter had to fly home on a completely separate flight booked via XXXX ( Booking : XXXX ). She could not physically be on XXXX flights simultaneously. XXXX Federal DOT Filing : The airline 's unlawful retention of these funds has been officially registered with the XXXXXXXX XXXX XXXX XXXX under XXXX Complaint Number : XXXX. Despite this, Goldman Sachs issued a final decision ( documented in XXXX through XXXX ) stating that the {$3500.00} charge will remain because " the service has been provided ''. This is factually erroneous and demonstrates a complete abdication of their statutory duty under XXXX XXXX to evaluate the actual evidence provided during a billing dispute. This process has caused me immense emotional turmoil and structural stress. I have been forced to put hours upon hours of my own time into transcribing calls, organizing evidence, and tracking down records, only to have a multi-billion-dollar bank completely ignore human facts in favor of an automated merchant script. I request that the CFPB compel Goldman Sachs to assign an XXXX compliance team to manually review the attached files ( image.png through XXXX ), respect the alternative travel documentation, and permanently credit my account for {$3500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 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: Block, Inc.
State: CA

Complaint narrative:
I have been attempting to close my XXXX account since the beginning of 2025. Despite multiple requests, the company has repeatedly refused or failed to close my account. At this time, I have no active payment plans, no outstanding balance, and no pending transactions. There are no financial obligations remaining on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Prince Parker & Associates
State: NC

Complaint narrative:
STATUS Company responded on XX/XX/year> RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your dispute with XXXX XXXX and Associates. We have requested validation to be sent to you. We have also ceased all communication including phone number and email. Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
I opened my SoFi Credit Card account on XX/XX/XXXX and immediately added it to my XXXX XXXX for use. After about three weeks, I contacted SoFi because I had not received the physical card and requested a replacement. I never reported fraudulent activity and continued using the account normally. About a week later, I received the replacement card and noticed SoFi was crediting purchases back to my account. Shortly after, I received an email stating my account was being closed due to a violation of the SoFi Money Customer Agreement. When I contacted SoFi, I was told the closure was due to reported fraudulent activity, despite never reporting fraud. I repeatedly requested more information but was only told fraud had been reported. I was given the name and number of a fraud specialist, XXXX XXXX XXXX ), and called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without receiving a response. I also contacted SoFi again to file a complaint and only received an automated email response. The credits SoFi applied increased my available credit, and by the time the account was closed, the balance appeared to be about {$2000.00} over the credit limit. I resolved this immediately and have continued making payments since. I also lost access to my SoFi rewards and SoFi Checking account, and the closure negatively impacted my credit report. I believe SoFi closed my account unfairly based on inaccurate information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. regarding its continued reporting and collection of an alleged debt despite multiple written disputes and requests for validation. On XX/XX/year>, I sent Midland Credit Management a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that correspondence, I requested documentation establishing : * the identity and address of the original creditor; * proof that Midland Credit Management is legally entitled to collect the debt; * documentation of the chain of assignment or sale of the account; * a copy of the original signed agreement; * and a detailed accounting of the balance claimed. I also requested that the account be reported as disputed to all consumer reporting agencies. After receiving no response whatsoever, I sent a second written follow-up dispute and validation request by certified mail on XX/XX/year>. Midland Credit Management again failed to respond or provide any validation documentation. Despite my timely written disputes, Midland Credit Management has continued reporting this alleged account and/or continued collection activity without providing the requested validation. To date, I have received no documentation substantiating the debt, ownership of the account, or accuracy of the balance being reported. I dispute the validity and accuracy of this alleged debt and believe Midland Credit Management has failed to conduct a reasonable investigation into the account after receiving my disputes. I am requesting that Midland Credit Management : 1. Remove this account from all consumer credit reports ; 2. Cease any further collection activity unless and until proper validation is provided ; 3. Correct any inaccurate reporting, including any failure to report the account as disputed ; 4. Provide written confirmation that the account has been deleted from XXXX, XXXX, and XXXX. Attached are copies of my written disputes and certified mail documentation showing my attempts to resolve this matter directly with Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
The issue is with Sofi Bank. An unauthorized transaction in the amount of {$39.00}. was posted to my account on XX/XX/year>. I did not recognize the charge. The name of XXXX was listed as the merchant. From my research. This company hosts XXXX XXXXXXXX on various social media sites. They are advertised as free, enticing people to take free XXXX XXXX, then requesting a {$1.00} for the results. Afterwards. They will begin charging people 's accounts for higher amounts. Many people have made complaints. I did take a test on XXXX, but I never authorized any purchase. On XX/XX/year>. I immediately notified Sofi about this, and tried to dispute the charge, but their system was not fully functioning and it kept leading back to chat. I explained the situation 3 times, but it was evident that I was getting nowhere. At that point. I filed a complaint with the XXXX regarding this situation. Someone from Sofi did reach out after receiving the complaint : XXXX. Basically. She inferred that I hadn't filed a complaint. I told her that I had already disputed it on the Sofi site, but was getting the run-around. To date. I have not heard from anyone from Sofi Bank. This has made me consider whether or not I want to continue a relationship with this bank. Note : I have screenshots

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: IL

Complaint narrative:
I received a notice for debt collection for a medical bill I attempted to sign a payment plan for but forgot to complete sign up for the plan due to duress in my life. The notice, which unfortunately I did not save a copy of, said I owed the full amount of the hospital bill prior to what insurance already paid, meaning they were trying to collect more than what I owed them. This letter offered me a discounted rate if I paid them, the discounted rate was closer to what I actually owed. I disputed the debt via email, via USPS mail, and via the collectors website. I only received a USPS letter response and that response again said I owed the same amount. This is a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
MY INFORMATION WAS EXPOSED INSEVERAL DATA BREACHES.THE FOLLOWING ACCOUNTS ARE FRAUDULENT AND UNAUTHORIZED. NAVY FEDERAL CREDIT UNION : ACCOUNT NUMBER : XXXX DATE OPENED : XXXX. XXXX XXXX : ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT XXXX : XXXX DATE OPENED : XX/XX/XXXX XXXXXXXX XXXX : ACCOUNT XXXX DATE OPENED : XX/XX/XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX regarding an unauthorized account opened without my consent, resulting in significant harm to my credit. On XXXX XXXX, a XXXX door-to-door sales representative came to my home and stated he could check my eligibility for discounts. I explicitly asked whether providing my personal information would result in the creation of an account. The representative assured me that no account would be opened without my explicit authorization he stated he would only confirm my eligibility and contact me afterward before proceeding further. Contrary to that assurance, XXXX opened an account in my name and shipped a modem to my address without my authorization. I never activated the device. Upon receiving it, I immediately contacted XXXX to request a return label so I could send the modem back. XXXX failed to provide one. Despite my good-faith efforts to return the equipment, XXXX subsequently referred the account to a collections agency for an amount exceeding {$200.00}. I attempted to return the modem in person at a XXXX retail store, but staff were unable to accept it because no account appeared in their system associated with the device. XXXX has since transferred this account to multiple collections agencies. Each transfer has resulted in additional negative marks on my credit report, causing repeated and ongoing damage to my credit score all stemming from an account I never authorized. This matter involves deceptive sales practices, failure to honor a verbal commitment, and negligent handling of disputed equipment all of which have caused direct financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Formally dispute a payment reported as late on my account XXXX, which was submitted to [ XXXX XXXX XXXX XXXX XXXX ]. The issue is straightforward : under 15 U.S.C. 1666b, a creditor can not treat a payment as late unless it took reasonable steps to ensure that the periodic statement including all information required under section 1637 ( b ) was delivered to the consumer no less than 21 days before the payment due date. I need you to show me that happened here

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
I am a homeless XXXX XXXX XXXX survivor and victim of financial abuse located in XXXX, MN. On XX/XX/2026 my stolen XXXX XXXX debit card ending XXXX was used without my authorization to fund 4 transfers totaling {$200.00} from my Chime account. Transactions : {$90.00}, {$40.00}, {$40.00}, and {$30.00}. Merchant location shows XXXX XXXX, CA XXXX but I was in XXXX, MN and did not make, authorize, or benefit from these transfers. I DO have a Chime account. My Chime account was accessed and funds were taken fraudulently using my stolen debit card information. My card was compromised by a third party who took {$160.00} via XXXX XXXX for services never rendered, then the stolen card data was used through Chime. Card ending XXXX is now locked. I filed a fraud claim with Chime. Chime denied my claim stating the transactions were " authorized '' despite clear evidence of unauthorized use across state lines and stolen card data. Chime is refusing to reverse fraudulent transfers from my account. XXXX XXXX has 2 open fraud claims for these exact amounts : # XXXX for {$130.00} and # XXXX for {$70.00}. Chime 's denial is preventing resolution. I have {$210.00} total remaining and a scheduled medical procedure XX/XX/2026. This {$200.00} theft from my Chime account is causing immediate hardship.

Company response to consumer: Closed with explanation