vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 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:
i recently reviewed my XXXX score and noticed that there are Fraudulent accounts reporting to my credit report these accounts need to be removed immediately. ( XXXX XXXX XXXX ) Opened on XXXX XXXX with the amount of {$53.00}. Another account is ( XXXX XXXX XXXX XXXX ) Opened on XX/XX/XXXX with the amount of {$840.00}. ANOTHER account is ( XXXX XXXX ) Opened on XXXX XXXX, XXXX with the amount of {$4400.00}

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 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I had a Care Credit card through Synchrony Bank. I used it to help pay some excessive dental bills from injuries sustained during the XXXX XXXX of XX/XX/year>. I have been charged excessive interest ( over {$1000.00} ) on {$2800.00} of dental bills. There was a promotional deal that I was unaware of. In addition, I was charged $ XXXXmonth for credit protection that I never authorized. I am enclosing XXXX of our communications.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint because inaccurate or misleading banking reports associated with several financial institutions are preventing me from obtaining basic banking services. Several of my bank accounts were closed as internal business decisions even though the final balances were XXXX and there were no outstanding debts, charge-offs, or financial losses to the institutions. Despite this, information reported to consumer banking reporting agencies such as XXXX XXXX XXXX and XXXX appears to be causing automated denials when I attempt to open new bank accounts. In at least one instance, an unauthorized or fraudulent payment was deposited into my account without my knowledge or consent. I did not initiate, authorize, or benefit from this transaction, and any implication that I participated in fraudulent activity is inaccurate. I have contacted the institutions involved and requested clarification and correction of the reporting, but the issue has not been resolved. Because this reporting is preventing me from accessing essential banking services such as receiving payments, paying bills, and maintaining a safe place for my funds, I respectfully request that the CFPB require the institutions to review their reporting, verify the accuracy of the information furnished to XXXX XXXX XXXX and XXXX, correct any inaccurate or misleading information, and remove any unverifiable derogatory reporting. I am requesting that my consumer banking file accurately reflect that the accounts were closed with XXXX balances and no financial loss to the institutions.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an account with Wells Fargo. My checking account was blocked on XX/XX/XXXX due to a deposit that according to Wells Fargo bank was reported as fraudulent. I had government issued benefits deposited into the Wells Fargo checking account on XX/XX/XXXX from my XXXX that I had been waiting for since XXXXXXXX XXXX XXXX. However, I was unaware the bank had blocked my account. Wells Fargo has held my deposited funds with no access for 3 months now stating that the bank is waiting for other banks response in regards to the fraudulent claim made. I have spoken to many Wells Fargo employees with no resolution to this matter.

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
There is a crypto exchange called XXXX in which they were middlemaning the XXXX that I bought to be deemed worthless, it would pass hands to another wallet in which I lost about XXXX, Also this wallet would close itself. XXXX had a similar situation in which the options took from monday to friday to be settled, during that time the total amount went from XXXX to XXXX, there were some ghost transactions as well, I spoke to them but they stopped replying. There may be foul play within the system or the method in which the orders were being sent. XXXX also had XXXX trading for my account, and futures trading even though I was not aware of this. XXXX forms were sent to my email in which I was trying to locate the account, to my surprise the coinbase/XXXX account did not have the amount that was being shown. When I went through the statements this year I found XXXX transactions and large amounts of crypto transactions... perhaps they were hacked. Coinbase as well. my futures positions would be liquidated in profit, and would show money being lessened, even though I was winning in the positions. I reached out and they asked me to connect my computer through XXXX, it sounded like a scam. I believe there must be XXXX or virus in my phone, because all of these things happened in the course of the last 3 years when I was living at a highrise ... my wifi modem stopped working strangley and there was an instance of my wallet being missing from my apartment... Also my company XXXX, had our logo stolen and used for a crypto in which the creators made alot of money with my logo. I attatched there information below I dont like to point fingers but I am just stating what I observed, there is always a way to make things right without blaming the world. Its more likely my fault and I am not a paranoid person to say that someone is after me ; its not the case. The internet is world wide and there are plenty of enemies with no name and no face looking for an easy bite which at the time anyone who was using the XXXX router or the specific phone was the perfect victim. I have had time to collect instances of what was going on so I can see the picture clearly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I have asked for intermixed invoices of all of my payments for my last 2 cars I had with them. Im not able to sign into the portal because I no longer have my truck and its been years. Ive called twice and they refuse to send my itemized invoices of payments I made with both cars. XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MD

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am currently unemployed and battling a identity theft/tax fraud matter and this is making matters only more stressful. My means of income are extremely limited and I am honestly just trying to survive.

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
What happened I purchased a kitchen appliance from XXXX that arrived defective. When I contacted XXXX for a return, they pressured me to accept store credit or a reshipment. I chose reshipment, but the seller later told me the item was out of stock. Because XXXX refused to provide a proper refund, I filed a Purchase Protection claim with PayPal. I uploaded all supporting documents, including screenshots and full conversations with XXXX customer service. PayPal did not request any information from the merchant and did not review the evidence I submitted. Instead, PayPal closed my claim in favor of the merchant without any investigation. Immediately after I submitted my claim, PayPal permanently limited my account. When I contacted PayPal, they stated I had several claims, but they refused to identify them or provide any explanation. I have good credit, my identity information is correct, and I have never engaged in fraud. PayPal also referenced another account that I do not use and that was previously lost ; I have never committed any fraudulent activity on any account. I contacted PayPal multiple times by phone and email to request an investigation of my XXXX dispute and to understand the reason for the limitation. PayPal refused to provide details and refused to reopen the claim. In their written response, PayPal admitted that the limitation was based on a risk assessment and not on the validity of my claim or the evidence I provided. They also admitted that the limitation decision and the claim decision were separate, meaning they closed my claim without reviewing the evidence. PayPals actions denied me the buyer protection they advertise, closed my account without explanation, and prevented me from resolving a legitimate dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
Related to Case Complaint XXXXXXXX XXXX XXXX that you are Closing. Here is future evidence to not close the case at this time. Block Inc / Cash App Services released a total of {$260.00} out of my account for something I did not order, nor approve. I did not even send the could into complete this wrongful and unauthorized order allowed by Cash App Services in XX/XX/year>. I know the rules of Cash App and I did not approve such order. It is important that you company CFPB look at the new evidence and do not take Cash App Services at XXXX XXXX. without. Based in the evidence and prior evidence. It s important that CFPB reconsider and reopen my case above. " XXXX XXXX, XXXX XXXX Police Department Case XXXX XXXX XXXX XXXX XXXX Complaint XXXX XXXX of Cash App Services/ Block Inc sending me false accusations daily. You have over XXXX files. That was place in the appeals. You also have the phone to number XXXX and information to contact XXXX personally. XXXX phone over and over given ( XXXX ) XXXX - XXXX owners Cash App Services has all the information to know better than to keep stealing and robbing card holders. To know that I, XXXX XXXX never made and order from XXXX on XX/XX/year>XXXX and XXXX is self does not have my cash card information nor has there ever been business with XXXX or myself. CASH APP Services stolen {$260.00} out of my account and unauthorized sent it out of my account wrongfully to somewhere they are refusing to address. But using a fake XXXX lie, just like the fake 3 Day Lie of not hearing from me. Block Inc/ Cash App Services is still refusing to pin point the 3 Days Claimed not heard from me. Because it doesn't exist. When Cash App Service was sent proof that they have heard from me daily, by phone, in app, and email. I, XXXX XXXX did contact Cash App Services by phone immediately to stop such unauthorized purchase that I never did. Nor submitted a pin to complete such purchase of totalling {$260.00}. It is important that CFPB accept the photo evidence and text from Cash App Services on XX/XX/year>. I did overed this text unread today XX/XX/year>. I called in based on a email from Cash App on XX/XX/year>. The text code was never used to complete any order. The order was unauthorized, because it was an order or purchase that XXXX XXXX XXXX XXXX never was involved in. I will continue to file until justice is done and my money is returned. " XXXX XXXX XXXX to complete your {$260.00} XXXX XXXX XXXX purchase. Don't share this code with anyone. If this wasn't you, please reach out to Cash App Support. '' The code was never used not requested to complete such purchases. Company has not provided all information requested

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TSC Accounts Receivable Solutions
State: TX

Complaint narrative:
Hello, I am filing this complaint regarding inaccurate information being reported on my credit report. A medical collection account is currently being reported by XXXX and is associated with TSC Accounts Receivable Solutions. Account Details : Collection Agency : TSC Accounts Receivable Solutions Reported Balance : {$940.00} Date Opened : XX/XX/year>XXXX Original Medical Provider : XXXX XXXX XXXX XXXX XXXX The credit report lists TSC Accounts Receivable Solutions as the original creditor. This is inaccurate, as they are a collection agency and not the medical provider. The actual medical provider is XXXXXXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, credit reporting agencies are required to ensure that all information reported is accurate and complete. Listing a collection agency as the original creditor misrepresents the account and does not accurately reflect the origin of the alleged debt. I am requesting that XXXX remove the account from my credit report as this collection agency is falsely putting incorrect information and they can not be properly verified and corrected. This is also a medical bill and is not allowed on my credit This inaccurate reporting is negatively impacting my credit profile and my ability to obtain fair credit. Thank you for reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for a Chase XXXX XXXX XXXX on XX/XX/XXXX. I was emailed that I needed to provide proof of address ( twice ). I completed this and then was declined because they couldnt verify my address when its clearly on my drivers license and pay stub that I provided. They fixed this and I was automatically approved the same day when I called to complain on XX/XX/XXXX. At this time they were to expedite shipping of my card and I should have it by XX/XX/XXXX. I called on XX/XX/XXXX because no card was received. They stated they cant even see a tracking number from XX/XX/XXXX. They resent a replacement card and we were to get that by XXXX. I then called on XXXX as I still did not receive a card and they informed me there was still no tracking number. The supervisor XXXX XXXX told me there was nothing he could do. Informed me he could not get to the bottom of the problem and could not overnight me a new card. He did not even discuss other shipping options for the card. I then had to suggest since there may be a problem with using UPS as the shipping provider might we try XXXX. I shouldnt have to try to do their job! We have been waiting to make large purchases in order to ensure I meet the spending requirement to qualify for the southwest points and companion pass. Now that I have been delayed over 2 weeks in receiving the credit card, I have missed out on huge savings for flights, not to mention my children will no longer get the swingset I intended on buying for them for their birthday in time. We still have no card and no answers. I received and email that my southwest account bonus is waiting. I cant even sign in to claim this because I dont have the card still as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I received a debt notice from XXXX XXXX XXXX regarding a debt owed to XXXX XXXX XXXX for {$160.00}. I called XXXX resort management on XX/XX/year> and paid that debt in full. I was declined a receipt when I asked for one. I escalated to a supervisor explaining that the debt was impeding my ability to move and that it was urgent. I was told that I would receive a receipt in a week. I did not receive a receipt and called back XX/XX/year>. I was again declined a receipt and told that it would be a week. I escalated to a supervisor again who was able to provide a receipt by the end of the day. On XX/XX/year> I received a notice from sunrise credit services stating they have been trying to reach me regarding the same debt as above, and that they were going to report it again to the credit bureau. I called them and they stated that it was a different debt, then whenever I clarified, it was the same debt they stated that I had not paid it. When I verified that I had paid it with the date and the account number, they stated that it was transferred to sunrise credit services on XX/XX/year>. If that is true, XXXX resource management transferred the debt to a new company knowing it was paid, the same day that I paid it. If they did not transfer it that day, they still transferred it knowing that it was paid in full. This, to me, is extremely fraudulent and unethical. Sunrise debt management states that they needed email evidence showing that I paid the debt. I sent this to them, however, I have not received a response back- though they were happy to take a duplicate payment for the same debt. If I had not of called XXXX resource management demanding that they send me a paid receipt Sunrise debt collection could have easily charged me the same debt, or I would continue to get hit on my credit. Based on the way that this has unfolded, it seems like that is the way both companies do business.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The following 4 unauthorized checking account wthdrawals were recently identified : * XX/XX/year> - XXXX XXXX XXXX XXXX for {$160.00} * XX/XX/year> - XXXX by XXXX XXXX XXXX for {$330.00} * XX/XX/year> - XXXX by XXXX XXXX XXXX for {$330.00} * XX/XX/year> - XXXX by XXXX XXXX XXXX for {$330.00} Chase Bank not only did not refund these unauthorized withdrawals, but also charged overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint because inaccurate or misleading banking reports associated with several financial institutions are preventing me from obtaining basic banking services. Several of my bank accounts were closed as internal business decisions even though the final balances were zero and there were no outstanding debts, charge-offs, or financial losses to the institutions. Despite this, information reported to consumer banking reporting agencies such as XXXX XXXX XXXX and XXXX appears to be causing automated denials when I attempt to open new bank accounts. In at least one instance, an unauthorized or fraudulent payment was deposited into my account without my knowledge or consent. I did not initiate, authorize, or benefit from this transaction, and any implication that I participated in fraudulent activity is inaccurate. I have contacted the institutions involved and requested clarification and correction of the reporting, but the issue has not been resolved. Because this reporting is preventing me from accessing essential banking services such as receiving payments, paying bills, and maintaining a safe place for my funds, I respectfully request that the CFPB require the institutions to review their reporting, verify the accuracy of the information furnished to XXXX XXXX XXXX and XXXX, correct any inaccurate or misleading information, and remove any unverifiable derogatory reporting. I am requesting that my consumer banking file accurately reflect that the accounts were closed with zero balances and no financial loss to the institutions.

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