vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my researchI C SYSTEM E 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 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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I keep receiving email, text messages about a debt I do not owed I would like this removed from my credit please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: VA

Complaint narrative:
I am filing a new complaint regarding Goldman Sachs Bank USAs continued failure to comply with Regulation Z in handling Apple Card disputes. 

I disputed six Apple Card transactions totaling {$3000.00} beginning in XXXX. Despite repeated requests, Goldman has never provided merchant documentation showing authorization, delivery, or that services were rendered. I have only received generic dispute outcome emails and account statements. 

Goldman closed my Apple Card account in XX/XX/XXXX while disputes were ongoing and then asserted that disputes were resolved based on merchant evidence, which has never been shared with me. I also did not receive any request for evidence emails despite Goldman claiming such requests were sent. 

I have since obtained police reports documenting unauthorized use and non-receipt of merchandise. Goldman continues to rely on conclusory statements rather than evidence. 

This conduct mirrors issues identified in the CFPBs XX/XX/XXXX enforcement action against Goldman Sachs and Apple, which found failures to properly investigate disputes and provide accurate information to consumers. I am requesting regulatory intervention to require Goldman Sachs to : Provide copies of all merchant evidence relied upon, or Reverse disputed charges where evidence can not be produced, and Correct any credit reporting impacted by improper dispute handling. 

Here is my police report # XXXX  case # XXXX and officer information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My account was overdraft an my account got closed out but made the payment of the overdraft amount an now its saying that I cant reopen my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: TN

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXI am a victim of identity theft in the process of buying a home, I realized my identity was stolen and obtain to lines of credit companies utilized were these (inquiries) from: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC.
State: IN

Complaint narrative:
In XXXX I attended XXXX XXXX XXXX in XXXX, CA. That was when the first loan was taken out, approx {$2000.00}, next in XXXX another loan was done for approx {$1000.00}. I moved back to the XXXX XXXX in XXXX and began working full time and being on payment plans for repayment of student loan. Ive always been a customer of XXXX  XXXX XXXX and still am till this day but they say they cant retrieve payments after 7 years So now I have watched my loans go from {$3000.00} while paying back after gaps in employment to up to {$7000.00} at the beginning of COVID. Which is were I solely disagree with the student loan program. I believe they have tacked on interest and penalties from the COVID era which they were not supposed to do. Plus the loan was transferred to often that made it suspicious or I thought fraudulent. It was never forgiven after 40 years and I need help with this now being over {$12000.00} they are saying I owe.

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 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I am filing this complaint regarding my federal student loans serviced by [ MOHELA/XXXX  ] and my participation in the Public Service Loan Forgiveness ( PSLF ) program. I was supposed to be enrolled in or tracked for PSLF ; however, I am unable to verify the accuracy of my loan balance, qualifying payment count, or PSLF status.

My account does not clearly show how payments were applied, whether they were counted toward PSLF, or how my current balance was calculated. Despite reviewing my account and attempting to obtain clarification, I have not received a complete or understandable explanation of my PSLF payment history or confirmation that my loans have been properly evaluated for PSLF eligibility. 

I called on XX/XX/year> and XX/XX/year> and was placed on hold for a very long time, and I had to hang up. 

This lack of transparency has prevented me from confirming whether my qualifying payments were correctly credited and whether I am on track for PSLF forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Flexible Finance, Inc.
State: FL

Complaint narrative:
I used Flex ( Flexible Finance XXXX , Inc. ) to pay my apartment rent. Flex is a rent payment service that allows tenants to split rent payments using a credit card. 
From XX/XX/year> through XX/XX/year>, I made rent payments through Flex using my XXXX XXXX. These transactions coded as standard purchases. No cash advance fees were charged. 

On XX/XX/year>, I made a rent payment of {$1500.00} through Flex using my XXXX XXXX. This transaction was coded as a cash advance, not a purchase. I was charged a 5 % cash advance fee ( approximately {$76.00} ) and 28.74 % APR interest starting immediately. 

I contacted XXXX. They confirmed the transaction was coded with a merchant category code ( MCC ) described as " mortgage co/nonfinancial inst. '' This MCC triggers cash advance treatment. XXXX confirmed the MCC is set by the merchant ( Flex ), not the bank. 

I contacted Flex support on XX/XX/year>. Over two weeks, I communicated with multiple agents. Their response : " The cash advance fee is not related to the rent payment process. This fee is imposed by your bank. '' They told me to contact my bank and refused to investigate why their transactions code differently depending on the card issuer. 

The same service, same merchant, same transaction type coded differently on two different cards. Flex controls their MCC and is responsible for correct coding. 
Financial impact : Over {$150.00} in fees and interest, still accruing monthly. 
I want Flex to refund the fees and interest, correct their MCC, and disclose to customers that their service may trigger cash advance fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Exeter Finance, LLC.
State: NM

Complaint narrative:
I am filing this complaint regarding a predatory auto loan originated and serviced by Exeter Finance. The loan was originated with terms that were not reasonably sustainable or transparent and resulted in severe financial harm despite my efforts to make payments. 

I purchased the vehicle for {$26000.00} and made total payments of approximately {$12000.00} over several years before the loan became unmanageable. Despite these substantial payments, the loan did not meaningfully amortize. Instead, the balance failed to decrease and ultimately increased. I am currently being told that I owe {$33000.00}, which is more than the original purchase price of the vehicle. 

My payments were primarily applied to interest and fees rather than principal, resulting in little to no reduction of the balance despite consistent payment history. At no point during origination or signing was I advised that the loan would not meaningfully amortize, nor was I informed that years of payments could result in owing more than the original amount financed. 

I was not provided with a clear, understandable explanation of how long it would take to reduce principal or how payments would be applied. The loan paperwork and disclosures did not clearly convey the true cost of credit or the practical impact of the loans structure. 

A reasonable borrower would not expect that paying nearly {$13000.00} toward a {$26000.00} vehicle would result in owing more than {$33000.00}, absent clear and conspicuous disclosures, which were not provided. 

This outcome demonstrates that the loan was structured in a manner that stripped equity, failed to underwrite for ability to repay, and caused harm regardless of payment efforts. I believe these practices constitute unfair, deceptive, or abusive acts or practices ( XXXX ) and warrant regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear cfpb : I am disputing a collection account being reported and collected by a debt buyer without lawful validation, documentation, or demonstrated authority. 

Portfolio Recovery Associates is reporting a collection account allegedly originating from XXXX XXXX XXXX XXXX Despite this reporting, I have never received the required initial written notice, validation, or account-level documentation establishing that this debt is owed, accurate, or legally collectible. 
At no time have I received the initial validation notice required by 15 U.S.C. 1692g ( a ), including notice of my right to dispute the debt, request validation, or obtain the name of the original creditor. I also did not receive notice that this alleged debt would be furnished to consumer reporting agencies. 

Further, I have never been provided any assignment or ownership documentation, including any XXXX XXXX XXXX, purchase agreement, or account-specific assignment records allegedly transferring this account from XXXX XXXX XXXX XXXX to Portfolio Recovery Associates , LLC. Absent such documentation, Portfolio Recovery has failed to demonstrate legal ownership, standing, or authority to collect or report this account. 

To date, I have not received : Any contract or agreement bearing my signature or other evidence of legal obligation A complete and itemized accounting explaining how the balance was calculated A complete and unbroken chain of title specific to this account Account-level payment history sufficient to verify accuracy Any documentation substantiating the accuracy of the information furnished to consumer reporting agencies Reporting and continuing to collect a disputed debt without providing validation constitutes prohibited conduct under 15 U.S.C. 1692e and 1692f, and a failure to comply with 15 U.S.C. 1692g ( b ).

Additionally, Portfolio Recovery Associates , LLC is furnishing information to consumer reporting agencies that is inaccurate and unverifiable, in violation of 15 U.S.C. 1681s-2. Furnishing payment history, balances, and account status without a reasonable investigation or supporting documentation constitutes inaccurate reporting under the Fair Credit Reporting Act. 

I dispute this account in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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:
On XX/XX/XXXX, Square deactivated my merchant account following an internal review. The transaction at issue was fully authorized by the cardholder, who later contacted Square directly from their own email address confirming written authorization and consent for the charge. There was no fraud, no chargeback, and no dispute.

Square informed me that all funds in my account would be held for ninety ( 90 ) days and released on XX/XX/XXXX. I contacted Square multiple times requesting a review of the fund hold and asked whether early release was possible given that the transaction was authorized and undisputed.

Square stated that the deactivation decision was final, could not be escalated to a supervisor or senior compliance reviewer, and that no appeal process was available. Square advised me to issue a refund as a workaround, even though the funds are inaccessible to me and issuing a refund would require me to pay the processing fee out of pocket. Square confirmed that the processing fee would not be refunded and that my linked bank account could be charged if my balance was insufficient.

I objected to this recommendation because it would result in a guaranteed financial loss despite the absence of fraud, dispute, or chargeback. Square maintained that the funds would remain held for the full 90-day period and declined further review.

I am submitting this complaint because Square is retaining authorized merchant funds without providing a transaction-specific justification and has denied any escalation or meaningful review of the fund hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have a mortgage loan with Loan Depot and realized sometime in last XXXX or XX/XX/XXXX that I have been paying XXXX  when I shouldnt have since I reached 78 % months before at some point. Looking at my XX/XX/XXXX statement ( thats the furthest back I can go online ) it showed I owed {$310000.00} on my loan. The purchase price of the home was $ XXXX. So sometime even prior to XX/XX/XXXX was when I hit XXXX XXXX but Loan Depot didnt automatically cancel the XXXX. I continued to pay until XXXX of XXXX. I called them twice before and they said they would get back to me to me but never did ( at least 3 months prior ). I called the third time 2 days ago and they finally reached me today ( XX/XX/XXXX ) to tell me that the PMI teams notes said that because I didnt call to Loan Depot XXXX cancel the PMI when I shouldve, the Loan Depot XXXX told me that Loan Depot has no accountability on a refund for me. I told them this wasnt accurate to what was stated on this CFPB website and california law. So I am now reaching out to put a formal complaint and seek advice for further actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My XXXX XXXX XXXX XXXX by Citi was closed after returned payments occurred when I mistakenly used a bank account without sufficient funds. Upon notification, I immediately corrected the issue and paid the account in full. 

I have never missed a payment or incurred late fees on this account. Despite this, Citi closed the account and informed me that nearly {$800.00} in earned rewards would be forfeited. 

These rewards were accumulated through regular spending in good faith. Given my prompt corrective action and otherwise positive account history, forfeiture of earned rewards feels disproportionate. 

I am requesting that Citi review this matter, reinstate the account, and/or issue the earned rewards certificate.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Atlanticus Services Corporation
State: OR

Complaint narrative:
Product : Credit Card Issue : Improper denial of credit line increase / unfair treatment / possible discrimination account # XXXX What happened I am filing this complaint because XXXX  XXXX XXXX XXXXXXXX denied my request for a credit line increase despite my excellent account history and improved credit profile. I have been a responsible customer for years, have never made a late payment, and my credit score has increased significantly since opening the account.

Despite this, XXXX  denied my credit line increase without providing a clear or reasonable explanation. When I asked for clarification, I was not given any specific reason tied to my creditworthiness, payment history, or account performance.

Why I believe this is unfair Based on my account performance, there appears to be no legitimate basis for denying my request. The decision seems arbitrary and inconsistent with standard underwriting practices.

I am concerned that the denial may have been made unfairly or in a discriminatory manner, especially since I meet or exceed the criteria typically used for credit line increases : No late payments Responsible usage Improved credit score Longstanding customer No negative marks on my account XXXX  has not provided a transparent explanation, which raises concerns about compliance with the Equal Credit Opportunity Act ( ECOA ) and fair lending standards. 
Also XXXX  offered me a XXXX $ credit line increase and then denied it. I also know a male friend of mine that has had XXXX  for only a year and has been late a couple times, and has a XXXX XXXX much lower than mine and has been offered a credit line increase several times, and was approved. 

What I am requesting I am requesting that the CFPB : Review XXXX  handling of my credit line increase request. 

Require XXXX  to provide a clear, specific, written reason for the denial. 

Ensure that my application was evaluated fairly, consistently, and without discrimination. 

Require XXXX  to correct any improper or noncompliant practices if found. 

Require XXXX  to reconsider my credit line increase based on my strong payment history and improved credit profile. 

Impact on me The denial has caused unnecessary financial stress and raises concerns about whether XXXX  is treating customers fairly and lawfully. I rely on transparent, consistent credit practices, and XXXX refusal to provide a clear explanation has undermined my trust in their process XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
My name is XXXX XXXX Ive tried numerous times to get this handled and removed off my report Ive also states this debt isnt mines and ask that this get removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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: SC

Complaint narrative:
I have a Cash App account and another account I opened that I sponsored for my son. We were locked out of his Cash App account via app, which is unfortunate because he has money in his account. The help line told us to create him a new Cash App account because they or us could no longer access it and once we did that they could transfer the funds. They told us it would be an easy fix. We have provided Cash App with every information possible to get the money transferred from this account we have no access to. They keep hanging up the phone on us or telling us to call back in an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Received a letter to a family members address ( I havent lived at in years ) from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter says that are a debt collector trying to collect a debt for PayPal in the amount of {$110.00} ( as of XX/XX/XXXX ). I have applied for PayPal once in XX/XX/XXXX and was denied ( still have the notice in my PayPal inbox ), so there is no way possible that I owe them a bill, since I never used them. I never sent any money, or gave them any info, but they sent a bill to an address I have lived at in about XXXX years for an account that I never had. From looking them up Im not the only one that have received these types of bills for accounts that havent been used, coming to address they havent lived at for an extended period of time, without any emails or notifications from PayPal themselves.

Company response to consumer: Closed with non-monetary relief