vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: MS

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I am not liable for this debt if XXXX with cavalry portfolio service acct # XXXX. I do not have a contract with cavalry portfolio service. they did not provide the original contract as requested with my wet signature and ID verification According to the 15 USC 1681 law there should not be any damages on my report it is a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Debt is not mines ... Experian have several accounts on my credit report and unwanted names and addresses also needs to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They call asking for personal information date of birth name and address by calling from some random numbers and don't provide more information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am not liable for this debt if XXXX with Jefferson capital system acct # XXXX. I do not have a contract with Jefferson capital systems they did not provide the original contract as requested with my wet signature and ID verification According to the 15 USC 1681 law there should not be any damages on my report it is a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
Someone i guess they call it got into my accountafter I thought I was paying an old account with a bank. After I punched in my card numbers over the phone he hung XXXX. The XXXX XXXX, I've got over XXXX XXXX transfers to a XXXX C that are not mine! This worm left me without a cent! Please help me get my money back! Chime denied me within XXXX hours of mefilingit. They did not investigate that fast. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I have a XXXX XXXX sportage fully paid off. I signed up for title loan on my car at XXXX main all went well but when I went to the store to collect check, the woman XXXX .. who was fired like a couple weeks afterwards. Convinced me to sign up for other products I didnt want she led me to believe needed to get those in order to get the loan. She wouldnt give me the check until I agreed to the products. I didnt feel comfortable because the pay back amount was made into an amount I knew I couldnt afford with the products, but I needed the original loan no was approved for. XXXX weeks later I called to have the products removed and learned she wasnt working for the XXXX main any longer. The products were removed eventually but the interest was not removed .i feel the products were more important than the loan to them. She put high pressure on XXXX. The XXXX main in XXXX XXXX. My maiden name on loan was XXXX XXXX they still havent updated my marriage name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2024, I was the victim of a scam involving impersonation and deception. An individual contacted me pretending to be a trusted person and convinced me that I needed to send money through XXXX in order to receive funds that were supposedly being held for me. I was instructed to pay a fee to access this money. Believing the situation was legitimate at the time, I authorized multiple XXXX transactions totaling approximately {$2000.00}. Shortly after, I realized this was a scam. The individual continued to send messages insisting that I needed to pay more fees to receive the money, which never existed. This is a clear example of an advance fee scam. I contacted Chase to report the fraud and requested an investigation, as well as assistance in recovering the funds. I also reported the incident to the police. However, Chase denied my claim, stating that the transactions were authorized. I strongly dispute this decision because the transactions were authorized under deception and false pretenses. I was misled and manipulated into sending money, which qualifies as fraud. I am requesting that Chase take responsibility and conduct a full reinvestigation of my case, taking into account the evidence of scam messages and the circumstances under which the transactions were made. This situation has caused me financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Fraud exploitation, credit card misuse, fraud identity theft around XXXX worth of damage, from XXXX XXXX a ex Buissness partner that took advantage of Im permanently XXXX with diagnosis of XXXX which made me at times incapable of managing my finances, XXXX during times of illness was just supposed to pay bills, she applied for loans signed for it in my name money deposited in my account that she had access to and she took it out to invest never materialized, she ran up both Buisness and personal cards maxed them out on personal items for own personal use without my authorization, XXXX herself and others, she lived a rich lifestyle with my money my credit was XXXX and now its in XXXX its not fair I work my entire life to loose it in such a disgusting way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a follow-up complaint regarding Bank of America 's incorrect tax withholding. In my previous complaint submitted to the CFPB on XX/XX/year>, Bank of America acknowledged that my accounts should be classified as a Non-Resident Alien with XXXX XXXX withholding. In their written response, they confirmed that the tax withholding status on my CD accounts had been updated to XXXX XXXX starting in tax year XXXX. However, despite this confirmation, Bank of America again applied XXXX XXXX federal backup withholding to my CD account ending in XXXX on XX/XX/year>. This withholding occurred after the bank had already acknowledged the error and confirmed that my accounts were correctly updated. This indicates that Bank of America failed to properly implement the correction they promised. I am requesting that Bank of America : XXXX. Immediately refund the incorrectly withheld amount from XX/XX/year>. XXXX. Confirm in writing that all of my accounts are permanently classified as Non-Resident Alien with 0 % withholding. XXXX. Ensure that no future interest payments are subject to backup withholding. I have attached documentation showing the XX/XX/year> withholding as well as the prior CFPB response confirming the correction.

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 2026-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have old accounts and old names and old addresses on my account that I want to dispute. I contacted all 3 credit bureau and I can't seems to get any help with removing old items off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MS

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL 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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
SPRING OAKS CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL 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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc
State: WA

Complaint narrative:
On the morning of XX/XX/XXXX I noticed 5 unauthorized charges on my credit card account made between XXXX XXXX and XXXX XXXX. Each charge was {$19.00} totaling {$99.00}. I immediately opened a dispute with my bank on XX/XX/XXXX and was denied on XX/XX/XXXX with no investigation information provided from the bank. I also contacted XXXX about the charges. On XX/XX/XXXX between XXXX XXXX and XXXX XXXX another 20 unauthorized charges were posted to my account from XXXX each charge was for {$19.00} totaling {$390.00}. I submitted another dispute with chime the same day that was also denied. I contacted XXXX again as well regarding the charges. XXXX was able to link the charges to a XXXX account, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. my case with XXXX was eventually escalated and upon further investigation XXXX confirmed the charges were made by the owner of the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and that the charges were gaming charges, specifically XXXX. XXXX also verified the name on this account is XXXX XXXX. I do not know anyone by this name. The card used was my virtual credit card. I have changed this card number multiple times and yet ly since XX/XX/XXXX multiple unauthorized charge attempts are being made by this person. I have kept all cards associated with this bank froze since XX/XX/XXXX. Only unfreezing my physical card to make any purchases or transferring my money to a different bank account. I have also submitted an appeal to my previously denied disputes by my bank with documented communication directly from XXXX confirming the charges to be unauthorized by me. I asked for further details and findings of their investigation of the unauthorized charges from my bank nothing has been provided. I have since filed a police report with my local police department. My dispute was once again denied with no explanation. I have not been provided a copy of their report/findings. I provided a copy of the police report filed, proof from the merchant themselves that states the charges are indeed unauthorized and in no way associated with my account, and a copy of the identity theft report I submitted. Even after having new virtual card numbers issued multiple times someone was able to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-03-17 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: MO

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a complaint regarding multiple billing and account discrepancies on my credit card account. First, I made multiple payments within the same billing cycle, including XXXX large payment of approximately {$800.00} {$1000.00}. While the payment appeared in the account activity, it was not properly reflected in the account balance or available credit. When I contacted customer service, the representative initially stated that the payment had been applied correctly. However, after I insisted and asked her to recheck and refresh the system, she acknowledged that there was an issue and described it as a system glitch. This raises serious concerns about the accuracy and reliability of how payments are being processed and applied. Second, I have concerns regarding rewards earned on the account. Rewards appear in the activity history, but based on my own calculations, they are not being properly reflected or credited toward the account. When I questioned this, I was told that pending charges offset the rewards, which does not align with how the account behaves. Each time I use the card, my available credit decreases immediately, and my tracking shows that the rewards are not being properly accounted for. The explanation provided was unclear and does not match the actual account behavior. Third, I enrolled in a payment security ( payment protection ) product that charges a monthly fee. I canceled this service on XX/XX/XXXX, yet I was charged again immediately after cancellation. This raises concerns about unauthorized or improperly continued billing for add-on products. Overall, I am requesting a full review and audit of the account, including : - Verification and correction of all payments made and how they were applied - A detailed breakdown and correction of rewards earned versus credited - Confirmation that the payment security product has been fully canceled and that no further charges will be applied - Refund of any incorrect or unauthorized charges These issues, especially the admitted system error and inconsistent explanations, have significantly impacted my trust in the accuracy of this account. I am requesting a clear explanation and resolution of all discrepancies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
To Whom It May Concern, This is my second written notice regarding the inaccurate and unverified collection account listed on my credit report. Account Name : Plaza Services I previously disputed this account, and you responded without providing adequate verification as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Your failure to provide proper documentation violates my rights under federal law. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation and provide verifiable proof that this debt is mine, including : A copy of the original signed contract or agreement Documentation showing I have a legal obligation to pay Full payment history and accounting of the alleged debt Proof of your authority to collect on this account Additionally, under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I am requesting full validation of this debt. As of today, you have failed to provide sufficient evidence. Therefore, this account must be deleted immediately from my credit report. If you continue to report this account without proper verification, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau and the Federal Trade Commission, and I will consider pursuing legal action for willful noncompliance. Please remove this account and provide written confirmation of deletion within 15 days of receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I was a 3 payments behind. In XXXX that was going to make 4. I tried to make a single ( complete ) payment and they refused 3 times, stating i could only make a double payment. I tried to apply for assistance in form of XXXX. I have a USDA backed loan and they said, " no such thing exists, so I put in for a modification. Thet have played a paper game and then in violation of RESPA act they dual track me and while im trying to satisfy them with the papers I have sent 4 times, they refer me to foreclosure on XX/XX/XXXX. They did me this way previously and set my auction date on my birthday. Then way outside of the attorney fees, charged me XXXX with a total during my last modification of {$7600.00} there about. Which is preditorial fees They hang up in my face practically every time I call. And each time its a different story, they lied and kept telling me that I hadn't been referred to foreclosure during an active modification request yet referred me to foreclosure while continuing to reject my documents. They have charged me fees and amounts and Ive requested a line by line itemized copy of my complete payment history, showing fees, fines, which they have refused. And this has been going on since covid. I have no way to deal with this and they are running completely over me. I pulled up court cases and reviews and it seems XXXX XXXX and XXXX have a long legal history of doing this to individuals during hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: MS

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 2026-03-17 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
I made a purchase with affirm to buy a plane ticket with XXXX. I then realized that I was charged a few extra fees from alligent that I shouldnt have been, so I canceled the purchase and rebooked it to resolve those fees with alligent. And they did, and refunded me for the first ticket. According to them, they 100 % made the refund, and I got a pop up in the affirm site, which I have a screenshot of, that the refund was received. I then realized that both purchase loans were still active well after receiving said refund, so I filed a dispute with affirm for the refunded purchase. Affirm then replied that the dispute is not in my favor and that I owe for both purchases. When I reached for more information as to why, they would not elaborate further. Just that both loans were active, the dispute is not in my favor and that that I was responsible for paying them. I would really like an explanation of where that money went, if not toward the loan.

Company response to consumer: Closed with explanation